Frequently Asked Questions

What’s the difference between the Cigna HSA and Cigna PPO plans?

The Cigna HSA has lower premiums but higher out-of-pocket costs, paired with a Health Savings Account (HSA) for tax-free savings and company HSA match. PPOs offer copays and may offer lower costs for office visits and prescription drugs. Niagara offers several ways for any member enrolled in Medical to obtain low-cost or no-cost primary care services. 

How do I decide which medical plan is the right one for me?

The right plan isn’t necessarily the option that has the lowest deductible or the lowest premium per paycheck. Your decision should be based on how you and your covered dependents use health care throughout the year, and how the plan’s costs (premium, coinsurance, copays, deductible, etc.) fit into your budget. First, ask ALEX—an online tool designed to help you choose a medical plan that fits your needs.  ALEX provides a custom experience based on your personal answers to how you prefer to buy and use healthcare.  In addition, to ALEX, be sure to compare the plans by reviewing SBCs and other plan details.

How do I use Teladoc?

• Through Teladoc 24/7 Care, you and your covered dependents have access to 24/7 urgent care from any US state. Use 24/7 Care for conditions like cold & flu, bronchitis, seasonal allergies, pink eye, UTIs. 
• Through Teladoc’s Virtual Primary Care, you and your covered dependents have access to primary care physicians – the doctors that get to know you when you’re healthy. Teladoc VPCPs can manage your annual wellness visits and chronic conditions like diabetes, hypertension, and so much more.
• Sign up at teladoc.com or use the app.

What is the Hydrate Your Health 2.0 Wellness Program?

Team Members and spouses/domestic partners covered by a Niagara Medical plan as of January 1^st will voluntarily participate in Wellness Activities to earn rewards and to avoid Wellness Surcharges. In addition, covered Team Members will have opportunities to complete activities to earn up to $200 in Walmart Rewards. 

Learn more here.

Can I receive rewards for participating in the Wellness Program?

Yes! If you’re enrolled in a Niagara Medical plan, you’re eligible to earn up to $200 in Walmart rewards during the program year. Your spouse/partner will not be eligible to earn additional rewards. Look for Wellness Program announcements throughout the year. Visit niagara.sharecare.com.   

Who can help me understand my benefits and health care claims?

Advocacy services through Alliant Advocacy are available at no cost to you. Their experts can guide you through your benefit coverage, health care claims, billing issues, and so much more!

Is the Mental Wellbeing benefit available to my family, even if they’re not enrolled in my medical plan?

The Mental Wellbeing benefit is available to you and your household members at no cost to you. There is no requirement to be enrolled in Niagara Benefits. All Team Members and household members are eligible.

I’m enrolling the Cigna HSA Plan.  Should I enroll in anything else to receive the HSA Match?

Yes!  To receive the match, you must contribute to the Health Savings Account (HSA).  Every paycheck that you contribute to the HSA, Niagara will match of 50% up to $500 when you cover just yourself, or up to $1,000 when you cover yourself plus one or more family members.  Do not forget, you must also elect the separate Health Savings Account plan in Workday. The Health Savings Account (HSA) is only available to Team Members enrolled in the Cigna HSA Medical Plan, and can be used to pay for eligible medical, dental, vision, & pharmacy expenses; and COBRA premiums or post-retirement healthcare premiums.

I’m enrolling in the Cigna HSA Plan. Can I contribute to the Health Care FSA?

When you enroll in the Cigna HSA Medical Plan, you’re not eligible to participate in the Health Care FSA. However, you can contribute to the Limited Purpose FSA which allows you to use pre-tax contributions for dental and vision expenses only.

Can I change my HSA contribution during the year?

Yes! You can adjust your HSA contributions any time during the plan year by reporting a Health Savings Change event in Workday.

Does Niagara contribute to my HSA?

Yes! Niagara matches $0.50 per $1 you contribute, up to $500 for individual or $1,000 for family coverage.

Can I take my HSA balance with me if I retire or leave Niagara?

Yes. Your HSA is portable and can be used for eligible health care expenses throughout your career and in retirement.

What’s the 401(k) match?

Niagara matches $0.33 per $1 you contribute, up to 6% of your pay. You’re fully vested in your contributions immediately; Niagara’s match vests on your 1^st anniversary with Niagara.

What family-building benefits are available?

Niagara offers enhanced fertility treatment, adoption and surrogacy support, and doula services through Progyny. You can receive up to $10,000 for adoption or surrogacy per lifetime; and $5,000 for doula care per pregnancy.

How can I get legal help or protect against identity theft?

Enroll in LegalShield for affordable access to legal support, identity theft protection, or a bundled plan You may enroll at any time throughout the year via Workday.

What pet benefits are available?

Through PETplus and Pet Assure, get discounts on pet prescriptions and vet services—with options for single or multiple pets. You may enroll at any time throughout the year via Workday.