Niagara offers medical plans that help you stay healthy. Consider all the resources available to you and your family.
We’re proud to offer you medical plans through Cigna, designed to help you and your family get the care you need at an affordable price.
New for 2026: Starting in 2026, all medical plans—including the Cigna HSA—cover three Virtual Primary Care visits at no cost for each covered family member. Need more than three? No problem! From the fourth visit on, it’s a $30 copay, even if you haven’t met your deductible—no matter which plan you’re enrolled in. Convenient care, predictable costs. That’s a win-win!
The Cigna HSA Medical plan provides a flexible way to manage health care expenses, combining comprehensive in- and out-of-network coverage with the ability to contribute to a Health Savings Account (HSA), which can be used to pay for eligible* health care expenses. Plus, it offers valuable tax benefits!
*For a complete list of eligible expenses, visit IRS Publication 969.
| Cigna HSA Medical Plan | Your Health Savings Account (HSA) |
|---|---|
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This is your main health plan. It’s like typical insurance, but with a few key differences:
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This account helps you cover those higher early costs, until you hit your deductible (and beyond):
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1
Niagara matches $0.50 per $1 you contribute to the HSA, up to $500/individual, $1,000/family.
2
You’ll pay lower monthly premiums.
3
Enjoy triple tax savings on HSA contributions, investment earnings, and withdrawals.
4
You own the HSA, so your money goes with you if you change jobs or retire.
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Unused funds roll over every year; you can spend or save money in your HSA.
To be eligible for an HSA, you must be enrolled in the Cigna HSA Medical Plan and may not be covered by another health plan, including your spouse’s medical plan or their Health Care Flexible Spending Account (FSA). Additionally, you cannot be claimed as a dependent on another person’s tax return or be enrolled in Medicare or Tricare.
The PPO plans offer the flexibility to choose an in-network provider each time you need care, and you’ll pay a fixed copay for some services. Remember, you’ll save the most when you stick with in-network providers.
1
Each family member has access to FREE Primary Care each year. Niagara covers three (diagnostic) Primary Care Office Visits at no cost to members, in addition to your free Annual Wellness Visit!
2
You will experience a fixed copay for other services (specialist visits, urgent care, emergency room, prescription drugs).
3
In the PPO plans, your office visits will not apply to the plan deductible. Other related services such as labs, imaging, etc. may apply to the deductible. We recommend reviewing the pharmacy deductible and services that apply to the deductible.
| PPO | PPO High |
|---|---|
| Lower monthly premium | Higher monthly premium |
| Higher deductible and out-of-pocket max | Lower deductible and out-of-pocket max |
| $200/$600 pharmacy deductible, higher prescription costs | No pharmacy deductible to meet, lower prescription costs |
| Plan Features | Cigna HSA | Cigna PPO | Cigna PPO High |
|---|---|---|---|
| In-Network | In-Network | In-Network | |
| Annual Deductible Individual/Family | $1,750 / $3,500 | $2,500 / $5,000 | $1,500 / $3,000 |
| Annual Out-of-Pocket Maximum Individual/Family | $5,000 / $10,000 | $5,000 / $10,000 | $4,000 / $8,000 |
| Niagara Annual HSA Match Individual/Family | 50% up to $500 / $1,000 | N/A | N/A |
| You pay: | You pay: | You pay: | |
| Preventive Care | $0 | $0 | $0 |
| Teladoc Virtual Primary Care | 1 free Wellness Visit + 20% after deductible for non-preventive care | 1 free Wellness Visit + 3 free scheduled visits, then $30 per visit | 1 free Wellness Visit + 3 free scheduled visits, then $30 per visit |
| Teladoc 24/7 Urgent Care | $30 | $30 | $30 |
| Primary Care Visit | 20% after deductible | First 3 visits $0, then $30 per visit | First 3 visits $0, then $30 per visit |
| Specialist Visit | 20% after deductible | $40 | $40 |
| Urgent Care | 20% after deductible | $40 | $40 |
| Emergency Room | 20% after deductible | 20% after $150 | 20% after $150 |
| Prescription Drugs | |||
| Pharmacy Deductible Individual/Family | $1,750 / $3,500* | $200 / $600 | None |
| Retail (up to a 30-day supply) | |||
| Preventive | $0 | $0 | $0 |
| Generic | $15 after deductible | $10 after deductible | $5 |
| Preferred Brand | $30 after deductible | $35 after deductible | $25 |
| Non-Preferred Brand | $60 after deductible | $60 after deductible | $60 |
| Specialty | 20% ($150 max) after deductible | 20% ($150 max) after deductible | 20% ($150 max) |
| Mail Order (up to a 90-day supply) | |||
| Generic | $30 after deductible | $20 after deductible | $10 |
| Preferred Brand | $60 after deductible | $70 after deductible | $50 |
| Non-Preferred Brand | $120 after deductible | $120 after deductible | $120 |
*All medical and prescription drug expenses apply to a shared deductible. Family deductible applies when Team Member plus one is enrolled in coverage.
Note: GLP-1 class of drugs prescribed for weight loss may be subject to a 50% coinsurance.
Preventive Services are covered at 100% as long as both of the following conditions are met:
When scheduling your appointment, be clear that you’re seeking preventive services. During your visit, ask your physician to bill the appointment as preventive. If the provider bills with a diagnosis (existing or new), you may be charged for an office visit.
If you receive a bill for any portion of your preventive exam or labs, contact the Alliant Advocacy team for help!
| Preventive Medical Services Covered at 100% (Follows U.S. Preventive Services Task Force guidelines) | Generic Prescriptions Covered at $0 Copay (Prime Therapeutics Preventive Rx List) |
|---|---|
| Routine Annual Physical | Low dose statin (cholesterol) |
| Well Woman Exams | Blood pressure |
| Well Child Exams | Tobacco Cessation |
| Colon Screening | Oral contraceptives |
| Breast Screening (including 3D mammogram & breast ultrasound) | Antiasthmatics (asthma) |
| Prostate Screening | Anticoagulants |
| Labs (cholesterol, blood sugar, etc.) | Antihyperglycemics (diabetes) |
| Preventive Dermatology | Antivirals |
Knowing where to go for care can save you time, money, and hassle. Our Medical plans give you a variety of care options for any medical issues you may face. Remember to save the Emergency Room for true emergencies.
| Cigna Nurseline | Teladoc Primary Care Provider (PCP) | Teladoc Urgent Care Center |
|---|---|---|
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| Traditional Office Visit | Traditional Urgent Care Center | Emergency Room |
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For scheduled in-person visits with a doctor for treatment of:
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For conditions requiring prompt attention, such as:
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Treatment of life or limb-threatening conditions, such as:
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Cigna
