• The Simple Copay Plan offers simple copays and in-network coverage only. It also includes an HRA funded by VNA and administered by Cigna to help cover your out-of-pocket costs. ​

  • If your annual salary is $70,000 or less, VNA will contribute $1,000 for single coverage or $2,000 for family coverage

  • If your annual salary is over $70,000, VNA will contribute $500 for single coverage or $1,000 for family coverage

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• The High Deductible Health Plan with Health Savings Account (HSA) offers in- and out-of-network coverage. It comes with an HSA administered by Cigna. An HSA is an account that allows you to save money tax-free for medical expenses such as doctor visits, prescriptions, your deductible, and more. It’s important to note that you will have higher costs when you use healthcare in this plan. Some advantages of an HSA include:​

  • Contributions are tax-free, withdrawals for qualified medical expenses are also tax-free, and any investments in the account grow tax-free

  • You own the account and the money rolls over year after year

  • You can take the HSA funds with you if you leave VNA

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• The Traditional PPO Plan has a deductible, copays, and coinsurance. This plan also offers out-of-network coverage, and there is no separate out-of-pocket maximum for prescriptions.