Medical plans overview

Gen’s medical plans can help keep you and your family healthy, and they’re there for you when health issues arise.

Eligibility Plan highlights Which plan is right for you?Learn more

Eligibility

All active U.S. team members working at least 20 hours per week are eligible to enroll in a Gen medical plan.

Plan highlights

You can choose from two medical plan options through Cigna: health savings account (HSA) and Open Access Plus (OAP).

If you live in California, you may also have the option to enroll in the Kaiser Permanente HMO plan.

If you live in Arizona, you can also enroll in the Open Access Plus (OAP) 500 Arizona plan.

Cigna health savings account (HSA) plan

Lowest contributions of the Cigna options
In-network preventive care covered at 100%
Preventive generic drugs covered at 100%
2024 in-network deductibles: $1,600 for team member only, $3,200 for team member plus spouse or domestic partner or children, and $4,800 for family
2025 in-network deductibles: $1,650 for team member only, $3,300 for team member plus spouse or domestic partner or children, and $4,800 for family
Deductibles for medical and prescription drugs are combined and must be met before pharmacy coinsurance and copays apply
Includes a health savings account (HSA) with a contribution from Gen
Fertility benefits offered through Progyny

Cigna open access plus (OAP) plan

In-network preventive care covered at 100%
Preventive generic drugs covered at 100%
In-network deductibles: $350 for team member only, $700 for team member plus spouse or domestic partner or children, and $1,050 for family
Fertility benefits offered through Progyny

Cigna open access plus (OAP) 500 Arizona plan

Offered to Arizona residents
In-network preventive care covered at 100%
Preventive generic drugs covered at 100%
In-network deductibles: $500 for team member only, $1,000 for team member plus spouse or domestic partner or children, and $1,500 for family
Fertility benefits offered through Progyny

Kaiser Permanente health maintenance organization (HMO) plan

Offered only to Northern and Southern California residents
Must use Kaiser doctors and facilities
In-network preventive care covered at 100%
Preventive generic drugs covered at 100%
No deductible
Low copays for most services

Which plan is right for you?

The plans generally cover the same types of health care services and supplies, but differ in how you pay for expenses, including the amount of copays, coinsurance, and your deductible. There’s also a difference in how much you pay for coverage through your contributions deducted from each paycheck.

An OAP or HMO may be right for you and your family if you:

Are frequent users of medical care
Want to pay less when you receive care, even if it means you pay more each pay period

The HSA plan may be a better fit for you and your family if you:

Want to pay less from each paycheck, even if it means you may have to pay more out-of-pocket for care before you meet your deductible
Want to take advantage of the tax benefits and Gen’s contributions to a health savings account (HSA)
Are healthy and are interested in using an HSA as a way to save or invest money
Aren’t typically frequent users of medical care—an annual checkup and a few other visits are usually it for the year

Learn more

To compare coverage and see how each plan works, review these resources.