Medical Plans - Exploring Options
How do I choose a medical plan for me and my family?
In partnership with Cigna, the College has the added service of confidential pre-enrollment support directly from Cigna. You can call or chat to receive 1:1 support. A key feature of this service is confidential help with choosing a plan based on your specific needs.
- Before enrolling call: 888-806-5042
What are some of the differences in coverage between medical plans?
- The chart below is one tool to help you evaluate some basic plan differences.
- The 2027 Benefit Guidebook is another resource to compare and view differences.
- For details about coverage amounts, maximums and exclusions it is important to refer to the plan documents on the College’s benefit plan information page or call Cigna One Guide at 888-806-5042.
All of our plans offer coverage of preventive care, doctor and specialist visits, emergency care, prescription coverage, behavioral health care, and hospital stays. The cost of these services may vary based on the plan you select and the location or provider in which healthcare is provided.
Click here to open a PDF of the graphic
What tools are available to help me choose a medical plan?
- Medical Plan Comparison Tool - Download Spreadsheet Here
- Cigna Cost Comparison Tools (11 min, 20 sec video) - Video by Cigna reviewing the tools available in the portal.
- How does In and Out-of-Network Coverage Work (5 min read) - An article by Cigna outlining the differences between in and out-of-network providers.
- Cigna’s Pre-Enrollment Support Team: call 888-806-5042
Looking for more assistance?
The Benefits Team at GMHEC is your resource for benefits information and questions as you make your enrollment choices and as you utilize benefits throughout the year.
- Benefits@gmhec.org
- 802-443-5485 Monday through Friday from 8:15 a.m. to 5:00 p.m. ET
Where can I find more detail about the three medical plans and what they cover? Check out these plan documents:
● Summary of Benefits and Coverage (SBC): document helps you understand what health services a plan covers and lets you compare coverage options across multiple plans. These documents include common medical scenarios and differences between in and out of network coverage.
● Benefit Summary: A document that outlines each plan’s in and out of network coverage.
- Platinum Plan Summary of Benefits and Coverage
- Gold Plan Summary of Benefits and Coverage
- Silver Plan Summary of Benefits and Coverage
● Pharmacy Formulary: the list of generic, preferred brand, and non-preferred brand prescription medications covered by the Cigna medical insurance plans. All three medical plans have the same formulary in 2027.
- Value Formulary as of January 1, 2027 - these documents are updated in July and January.
Other Resources:
- Guided Video Tutorial (you may click on specific topics to quickly move through content).
- Step by Step Instructions (PDF)
- Visit this webpage for more Oracle guides.