Medical

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 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 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.

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 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.

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.

*This limited plan has calendar-year maximum amounts that the plan will pay. Please review Mini plan benefits (above) for more information.