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2027 Open Enrollment

Welcome to the 2027 Benefits Open Enrollment Period!

Open Enrollment is the annual opportunity for you to evaluate your benefit options and make your elections. Reviewing your benefits allows you to ensure they will continue to meet your needs for the upcoming year. You are encouraged to review this information to learn about all benefits offerings and make an informed decision in order to select the benefits that best fit your needs.

Open enrollment is from November 9th – November 23rd, 2026

All enrollments must be done online through UKG.  You can access UKG here.

2027 Open Enrollment Presentations

Coming Soon

Important Information
2027 Benefits Guide
2027 Benefits Guide - Michigan
Health Reimbursement Arrangement Flyer
Financial Inspira Mobile App

2027 Medical & Prescription Program Detail:

Cigna Medical Plan Base Plan with HRA
OAP Network		 Mid Plan with HRA
OAP Network		 Buy Up Plan PPO
OAP Network
Calendar Year Deductible:
Single / Family		 $5,000 / $10,000 $3,500 / $7,000 $1,500/ $3,000
Coinsurance 20% after deductible 20% after deductible 0% after deductible
Maximum Out of Pocket Limit:
Single /Family (Includes the deductible)		 $8,000 / $16,000 $7,000 / $14,000 $6,000 / $12,000
Primary Care Office Visit $30 copay $30 copay $15 copay
 Specialist Office Visit $60 copay $60 copay $45 copay
Preventive Care Visit $0 copay $0 copay $0 copay
Virtual Visit $30 copay $30 copay $15 copay
Complex X-Ray and Lab
CT, PET, MRI, MRA etc.		 20% after deductible 20% after deductible $500 copay
Urgent Care Centers $100 Copay $100 Copay $100 Copay
Emergency Medical Care
Copay waived if admitted		 $300 copay + 20% coinsurance $300 copay + 20% coinsurance $300 copay + 20% coinsurance
In-Patient Hospital Services 20% after deductible 20% after deductible 20% after deductible
Out-Patient Hospital Services 20% after deductible 20% after deductible 20% after deductible
Prescription Drugs:
Retail (30 day supply) Tier 1 – $25 / Tier 2 – $70 / Tier 3 – $125 / Tier 4 Copay for retail of 25% to $250 Maximum
Mail Order (90 day supply) Tier 1 – $63 / Tier 2 – $175 / Tier 3 – $313

2027 Wellness Program Review:

Smithers will continue to fund money into your HRA if you participate in the wellness program.

Refer to the www.healthcheck360.com website for details on your 2027 program.

Cigna Contacts

Do your employees have questions about Cigna benefits, covered services, or a specific claim?

Service Availability Contact
Cigna Medical Member Services 24/7 866-494-2111
Cigna Medical Member Services   800-853-2713
www.mycigna.com
Cigna Health Information Line 24/7 Call the number on your ID card
MDLIVE Virtual Care 24/7/365 888-726-3171
www.mycigna.com
Select “Talk to a Doctor”
Cigna One Guide Pre-Enrollment Assistance 888-806-5094
Cigna Rx (Express Scripts) 24/7/365
Chat available 9 a.m.-8 p.m. EST		 Call the number on your ID card
www.mycigna.com
Cigna Rx Home Delivery 24/7/365
Chat available 9 a.m.-8 p.m. EST		 Call the number on your ID card
www.Cigna.com/homedelivery

Download the Inspira Financial Mobile App

With our free Inspira Mobile App, you can easily access your account information in the palm of your hand.

  • Check account balance, deposits, and payments
  • View your account alerts
  • Verify card purchases
  • Pay your providers directly from your account
  • Request reimbursement for your eligible expenses

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