HOW MEDICAL COVERAGE WORKS
Saks Global offers you a choice of four medical plans through our national carrier, Cigna, including traditional PPO options and Consumer Driven Health Plan (CDHP) options. In addition, Saks Global also offers several regional carriers, such as Geisinger, Kaiser, and HMSA dependent on your zip code. All plans include comprehensive medical coverage and prescription drug benefits. To choose the plan that best powers your health and fits your family’s needs, compare the key differences in coverage, payroll deductions, and how each plan helps you manage costs throughout the year.
Choosing Between a PPO and an CDHP with HSA
A PPO (Preferred Provider Organization) offers flexibility and predictable costs.
- Copays for doctor visits
You’ll pay a set amount (copay) when you see a doctor or specialist. - Lower deductibles
You pay less upfront before your plan begins sharing costs. - Higher premiums
Monthly paycheck deductions are higher than an HDHP. - FSA Option
A PPO can be complemented with a Flexible Spending Account (FSA).
This plan may be a good fit if you prefer consistent copays, expect frequent medical visits, or want lower out-of-pocket costs when you need care.
Key Difference at a Glance: PPO = Higher premiums, lower deductible, predictable copays, use of an FSA.
A CDHP (Consumer Driven Health Plan) offers lower paycheck costs and a tax-advantaged way to save.
- Lower premiums
Less is deducted from your paycheck each pay period. - Higher deductibles
You pay more upfront before the plan begins to share costs. - HSA (Health Savings Account)
A CDHP can be paired with an HSA that is funded by your contributions and Saks Global. - HSA Triple tax advantages
Contributions are tax-free, funds grow tax-free, and withdrawals for qualified expenses are tax-free. - HSA Funds roll over
Money in your HSA stays with you year to year and even if you leave the company.
This plan may be a good fit if you want lower premiums, like to save for future health expenses, or want the flexibility of a portable account that builds over time.
Key Difference at a Glance: CDHP + HSA = Lower premiums, higher deductible, HSA savings with tax advantages, more potential long-term value.
Understanding How Your Plan Works
Your Deductible
You pay out-of-pocket for most medical and pharmacy expenses, except those with a copay, until you reach the deductible.
Your Coverage
Once your deductible is met, you and the plan share the cost of covered medical and pharmacy expenses. The plan will pay a percentage of each eligible expense, and you will pay the rest.
Your Out-of-Pocket Maximum
When you reach your out-of-pocket maximum, the plan pays 100% of covered medical and pharmacy expenses for the rest of the plan year. Your deductible and coinsurance apply toward the out-of-pocket maximum.
Saks Global Medical Coverage Options with Cigna for 2026:
• EPO CDHP
• Choice CDHP
• PPO
• PPO Plus
MEDICAL PLAN TIPS
At Saks Global, we encourage you to be proactive in caring for your health and making confident, well-informed decisions about your coverage. Understanding how your benefits work helps you get the most from your plan and supports your overall well-being.
Prioritize preventive care. Routine physicals and age-appropriate screenings are covered at 100% when you use in-network providers. An annual check-up not only helps you stay on track, it can also prevent chronic conditions or detect health issues early—when treatment is most effective.
Choose the right level of care. For sudden health concerns, knowing whether to visit your doctor, an urgent care center, or the emergency room can save you time and money. Whenever possible, start with your primary care provider or urgent care for non-emergency needs.
Be smart with prescriptions. Talk with your doctor about cost-effective medication options. Generic drugs work the same way as their brand-name counterparts and usually cost less—helping you and your family manage both your health and your budget.
By staying informed and engaged, you’ll make the most of your benefits and ensure your coverage works hard for you.
| 2026 MEDICAL PLANS | ||||
| PLAN NAME | EPO CDHP | Choice CDHP | PPO | PPO Plus |
| PLAN DEDUCTIBLE (INCLUDING RX) | $5,000 / $10,000 | $2,500 / $5,000 | $4,000 / $8,000 | $1,500 / $3,000 |
| COINSURANCE | 30% | 20% | 25% | 20% |
| OUT-OF-POCKET MAX | $6,350 / $12,700 | $5,000 / $10,000 | $6,350 / $12,700 | $4,000 / $8,000 |
| PRIMARY CARE / SPECIALIST | 30% | 20% | $35 / $65 | $35 / $65 |
| EMERGENCY ROOM | 30% | 20% | 25% | $200 |
| URGENT CARE | 30% | 20% | 25% | $50 |
| RETAIL RX (GENERIC / BRAND / NON-BRAND) | After Deductible $10 / 30% / 50% | After Deductible 20% / 30% / 40% | 10% / 30% / 50% | $10 / $35 / $70 copay |
| MAIL ORDER 90-DAY RX (GENERIC / BRAND / NON-BRAND) | $20 after deductible / 30% / 50% | $20 after deductible / 20% / 30% | $20 / 30% / 50% | $20 / $70 / $140 |
| HSA EMPLOYER FUNDING (INDIVIDUAL / FAMILY) | $250 / $500 | $250 / $500 | N/A | N/A |
2026 Medical Premiums
| CIGNA MEDICAL PREMIUMS | ||||
| COVERAGE TIER | EPO CDHP | Choice CDHP | PPO | PPO Plus |
| Weekly | ||||
| Employee Only Employee + Spouse Employee + Children Family | $12.24 $60.56 $38.20 $86.39 | $39.10 $122.33 $89.22 $172.33 | $16.39 $71.54 $45.59 $105.42 | $61.15 $174.48 $130.63 $248.65 |
| Bi-Weekly | ||||
| Employee Only Employee + Spouse Employee + Children Family | $24.48 $121.13 $76.39 $172.79 | $78.20 $244.66 $178.44 $344.66 | $32.77 $143.07 $91.18 $210.85 | $122.29 $348.96 $261.26 $497.31 |
