Petfolk offers four medical plans through Cigna, all on the Open Access Plus (OAP) network. The plan year runs January 1 to December 31, 2027. Every plan covers in-network preventive care at no cost to you.
Choosing the right plan
All four plans use the same doctors and hospitals, so the decision comes down to how you’d rather pay. A higher deductible means a smaller paycheck deduction and more out of pocket when you get care. A lower deductible flips that. Use the estimator below to compare.
Pick who you’re covering and how much care you expect. We’ll estimate what each Cigna plan could cost you for the year.
A rough 2027 estimate for in-network care, based on each plan’s deductible, copays, out-of-pocket maximum and salaried paycheck costs (26 pay periods). For “Me + spouse,” “Me + child(ren)” and “My family,” the person with the most care uses the level you pick and everyone else has light use. Your real costs depend on the care you get and what your providers charge. Only the HDHP OAP 6350 lets you contribute to a health savings account. Questions? Email HR at hr@petfolk.com.
- HDHP OAP 6350: $6,350 individual / $12,700 family deductible, which is also your out-of-pocket maximum. You pay for care until you hit the deductible, then the plan pays 100%. It’s the only plan that pairs with a Health Savings Account, and team member only coverage costs $0 per paycheck.
- OAP 7150: $7,150 / $14,300 deductible and a $7,600 / $15,200 out-of-pocket maximum. Primary care visits are a $40 copay and urgent care is $100, so you don’t have to meet the deductible before those visits are covered.
- OAP 2000: $2,000 / $4,000 deductible and a $4,500 / $9,000 out-of-pocket maximum. Most everyday care is a flat copay: $25 primary care, $50 specialist, $85 urgent care.
- OAP 0: No in-network deductible and the lowest out-of-pocket maximum, $3,000 / $6,000. Primary care is $15, specialists are $30, and lab work outside an office visit is free. It has the highest paycheck cost.
If you rarely see a doctor, the HDHP keeps more money in your paycheck and lets you put the difference in an HSA. If you expect regular visits, ongoing prescriptions or a planned surgery, run the numbers on the OAP 2000 and OAP 0. Their lower deductibles and copays can make up for the higher paycheck cost.
Key in-network costs
- Emergency room: $350 copay on the OAP 2000 and OAP 0; after deductible on the HDHP and OAP 7150
- Inpatient hospital stay: $600 per admission (OAP 2000) or $300 (OAP 0); after deductible on the other two plans
- Outpatient surgery: $200 copay (OAP 2000) or $150 (OAP 0); after deductible on the other two plans
- Advanced imaging such as an MRI or CT scan: $100 copay on the OAP 0; after deductible on the others
Staying in network
The amounts above are for in-network care. Every plan covers out-of-network providers too, but with a separate, much higher deductible: $10,000 / $20,000 on the HDHP and OAP 7150, $5,200 / $12,000 on the OAP 2000, and $500 / $1,000 on the OAP 0. Check that your doctor is in the Cigna OAP network before your visit.
Prescription drugs
On the OAP 7150, OAP 2000 and OAP 0, retail prescriptions cost $10 / $45 / $70 for tiers 1 through 3, and tier 4 drugs are 30% coinsurance. Home delivery costs $20 / $90 / $140 / 30% on the OAP 7150 and OAP 2000, and $30 / $135 / $210 / 30% on the OAP 0. On the HDHP, you pay for prescriptions until you meet the deductible, then the plan pays 100%.
What you pay each paycheck
These are salaried team member costs, taken before taxes from each of 26 bi-weekly paychecks.
For full details, see each plan’s Summary of Benefits and Coverage under Coverage Documents.
