Available for Full-Time and Part-Time Krispy Kremers
Each of our four medical plans is jam-packed with tantalizing features to meet your specific health care needs.
Krispy Kreme’s four medical plan options are designed with you in mind. If you’re a full-time Krispy Kremer and saving dough is at the top of your mind, you may be interested in one of our two Health Savings Account (HSA) PPO plans. Or, for greater coverage, you may opt for our Kreme Filled PPO plan. These plans cover medically necessary services.
If you’re a part-time Krispy Kremer and you need medical coverage, we’ve got a just-the-basics plan for you. You’re eligible to enroll in the Mini plan—a cost-effective option that offers protection when you need it. Full-timers may elect the Mini plan, too.
So how do you choose? It depends on your personal situation. Read about each plan below.
The Original HSA Plan
The Original HSA plan is a Cigna Preferred Provider Organization (PPO) plan. This plan is special because it can be paired with a Health Savings Account (HSA). An HSA is a great way to save on medical expenses, and it’s yours to keep—even if you leave Krispy Kreme. Learn more about how you could benefit from an HSA.
With a PPO plan, you have the freedom to visit any provider you’d like, and you still have coverage. However, your costs will generally be much lower if your provider participates in the Cigna PPO network. Be sure to check with your provider or facility to confirm their participation before you schedule your appointment.
The Original HSA plan offers the lowest paycheck contributions, but the deductible and out-of-pocket maximum are the highest of the three PPO plans. Keep in mind, however, that certain preventive care visits and exams are covered without having to first meet your deductible.
This may be the right option for you if you generally don’t have a lot of medical expenses, since you only pay for the care you get.
The Sprinkles HSA Plan
The Sprinkles HSA plan offers a lower deductible and out-of-pocket maximum than the Original HSA plan, but your premiums are higher. Of the PPO plans, the Sprinkles HSA falls in the middle for premiums and out-of-pocket payments for medical expenses. You may want Sprinkles if you have a fair amount of medical expenses but you want to take advantage of the tax-saving HSA.
The Kreme Filled PPO Plan
The Kreme Filled PPO plan features the lowest deductible and out-of-pocket maximum of the PPO medical plans. In turn, the paycheck contributions are the highest. It may be the right pick for you if you generally have a lot of medical expenses.
To help cover your medical expenses, consider pairing it with a tax-advantaged Health Care Flexible Spending Account (FSA). These accounts allow you to set aside pretax dollars to pay for eligible medical expenses, like copays and your deductible.
Bonus CIGNA Plans and Programs
The Lifestyle Management Program can help you meet your goal, whether it’s to lose weight, quit tobacco or lower your stress levels. Each program is easy to use and available where and when you need it. Find out more or call 800.Cigna24 (800.244.6224) to start meeting your goal!
The Health Matters Care Management program provides support and care coordination if you or a family member is dealing with a serious health condition. Look to your care manager for help to understand your benefits, and work with you to navigate the health care system on your road to recovery. Find out more.
The Cigna One Guide Service is on call to help you select your medical plan. Can’t decide if you should elect the Original, Sprinkles or Kreme Filled Plans? Let Cigna One Guide walk you through the pros and cons for your personal situation to make the right decision. Call 800-244-6224 to get started during this enrollment period! Learn more.
The Mini Plan
The Mini plan is a limited plan. Coverage is not as comprehensive as with the PPO plans, and its network is Symetra, not Cigna like the other plans.* You are not required to see a provider in the Symetra network. If you do visit a network provider, however, you will receive lower, prenegotiated rates for services. Services are paid at a flat dollar amount, up to a certain limit.
While your premium rates are less expensive than the other plans, your out-of-pocket costs for services may be more expensive. So, if you have a lot of expenses or if you’re covering a family, the Mini plan may not provide the best savings. This may be a good option for someone with very few medical expenses who may not be able to afford one of the major medical plan options, or for part-time Krispy Kremers who do not have coverage elsewhere.
*Although it provides coverage for medical services, the Mini Plan is not a medical plan. It’s an indemnity plan, with a cash reimbursement for certain services.
Mini Plan Benefits
Here’s a quick look at coverage under this plan. As you can see, the plan will reimburse you for up to the amount shown for the following services.
|Service||The Plan Pays|
|Outpatient doctor visit||$125 per day
$625 per person per calendar-year maximum
|Outpatient diagnostic X-rays and labs||$75 per day
$300 per person per calendar-year maximum
|Prescription drugs||Brand-name: $15 per prescription
Generic: $5 per prescription
|ER visit||$500 per day
$500 per person per calendar-year maximum
|Hospital stay||$200 per day
Up to 10 days per person per calendar year
|ICU||$200 per day
Up to 10 days per person per calendar year
|Surgical doctor visit||$65 per day|
|Surgical facility||$500 per day|
|Inpatient hospital||$1,000 combined per person per calendar-year maximum|
|Telehealth||Up to three free visits per month|
Virtual Doctor’s Office Visits
Krispy Kremers can skip the in-person office visit with a Cigna’s telemedicine option. If you’re enrolled in one of Krispy Kreme’s three PPO plans, you can contact MDLIVE for a virtual medical appointment as an alternative to urgent care, the ER or even the doctor’s office. MDLIVE features services like prescribing medication, behavioral health visits and preventive wellness screenings. And the cost is 100% covered by Krispy Kreme. This means that if you’re enrolled in one of Cigna’s medical plans, you can have a telehealth visit at no cost to you!
If you need a prescription, it can be sent directly to your pharmacy—while you’re still in your robe and slippers! Visit MDLIVE to schedule an appointment with a board-certified doctor. Services are available 24/7.
Virtual Visits for the Mini Plan
If you’re enrolled in the Mini plan, you can have up to three free telehealth visits per month. Visit MeMD.net to speak with a medical provider via phone or video.
Comparing Your Options
|Mini Plan*||Kreme Filled PPO||Original HSA||Sprinkles HSA|
|Network||Symetra||Cigna PPO||Cigna PPO||Cigna PPO|
|OOP max||N/A||$5,000 employee
|Coinsurance||N/A||You pay 20%||You pay 0%||You pay 25%|
|PCP or specialist visit||Plan pays up to $125 per visit||You pay $30 PCP / $50 specialist||You pay 0% after deductible||You pay 25% after deductible|
|ER||Plan pays up to $50 per visit (once per person per calendar year)||You pay $300||You pay 0% after deductible||You pay 25% after deductible|
|Urgent care||You pay $75||You pay 0% after deductible||You pay 25% after deductible|
|Inpatient hospital||Plan pays up to $1,000 combined expenses per family member||You pay $250 copay, then 20% after deductible||You pay 0% after deductible||You pay 25% after deductible|
|Outpatient surgery||You pay 20% after deductible||You pay 0% after deductible||You pay 25% after deductible|
|Generic||Plan pays up to $5 per prescription||You pay $15 copay||You pay 0% after deductible||You pay 25% after deductible|
|Formulary||Plan pays up to $15 per prescription||You pay $35 copay||You pay 0% after deductible||You pay 25% after deductible|
|Non-formulary||Plan pays up to $15 per prescription||You pay $70 copay||You pay 0% after deductible||You pay 25% after deductible|
*This limited plan has calendar-year maximum amounts that the plan will pay. Please review Mini plan benefits (above) for more information.
2023 Weekly Premiums (Paycheck Contributions)
|Mini Plan||Kreme Filled PPO||Original HSA||Sprinkles HSA|
|Employee + spouse||$37.71||$155.52||$93.45||$136.73|
|Employee + children||$29.32||$118.55||$64.32||$88.33|
|Employee + family||$51.97||$208.95||$109.23||$163.35|
Want to learn more about a Health Savings Account (HSA)?
A Health Savings Account is a tax-advantaged account that you can contribute to on a pretax basis. You pay less in taxes, and the dollars you contribute to your account can be used to pay for eligible medical expenses, like your deductible and coinsurance. For more information, visit the HSA page.