Cigna Choice Health Reimbursement Arrangement (HRA)

The HRA provides a health care plan with a reimbursement account funded by the employer to help pay for some of the costs of eligible health care expenses. The money used from the HRA counts towards satisfying the deductible. The HRA funds will be used to pay 100% of the cost of eligible health care expenses. No referral is needed to see a specialist. Administered by Cigna.

Contributions

Loudoun County contributes dollars to an employee's HRA based upon the level of coverage selected by the employee and the contribution is available on the first day of each plan year (January 1). Employees may not contribute to the HRA but may set aside pre-tax dollars under a Health Care Flexible Spending Account. Those funds remaining in the employees' HRA at the end of the year will roll over to the next year. Unused funds are forfeited upon leaving employment.

Benefit Details

Cost
In-Network Benefits
Out-of-Network Benefits
PCP Office Visit and
Convenience Care Clinic
10% after deductible
30% after deductible
Specialist Office Visit
10% after deductible
30% after deductible
Deductible
$1,500 per individual
$3,000 per family
$2,500 per individual
$5,000 per family
Coinsurance
10% after deductible
30% after deductible
Out-of-Pocket Maximum
$6,450 per individual
$12,900 per family
$6,450 per individual
$12,900 per family

County Contribution - Annualized

  • Individual: $1,000
  • Family: $2,000