Here is an explanation from my employers website, still confused
CIGNA PPO Plan with Network Preferred Providers (Traditional Plan available in areas without networks)
? Deductible: $300 Individual; $600 Family ($400 Individual; $800 Family if out of network)
? $ 15 Co-pay for routine doctors
? CIGNA EPO Plan with Network Preferred Providers (No coverage out of network)
? Deductible: $250 Individual; $500 Family
? $10 Co-pay for routine doctors
? Co-insurance: $1,000 Individual; $2,000 Family
? Three Tier Plan with $10, $15, or $25 (depending on drug) Co-pay for Prescription Drugs for all plans
? Vision coverage included with medical coverage in all plans
? $300 Wellness Allowance (in-network) per year for preventative care services (annual physicals, well baby visits, etc) in all plans
? Low Employee Contributions--*** pays the majority of health insurance cost.
? Employees are eligible to participate in the medical plan the first day following 30 days of full-time employment.
