Offices & Services

Human Resources

Health Insurance

YOUR MEDICAL PLAN

You have three medical plan options:

  • The Preserver
  • The Protector
  • The Protector Plus

CLICK HERE to review the plan comparison chart

YOUR HEALTH PLAN OPTIONS

As a full-time employee of Washington College, you have the choice between three medical plan options: The Preserver, The Protector, or The Protector Plus  

For each, your deductible will run from January 1−December 31.

While one of the plans give you the option of using out-of-network providers, you can save money by using in-network providers because Cigna has negotiated significant discounts with them. If you choose to go out-of-network, you’ll be responsible for the difference between the actual charge and Cigna UCR (Usual, Customary and Reasonable) charge, plus your out-of-network deductible and coinsurance.

The Preserver plan option  offers you significantly lower premiums than The Protector and The Protector Plus, and you can establish a Health Savings Account (HSA) with the bank of your choice and contribute all or part of the premium savings into the HSA. These funds can be used to cover medical expenses, including deductibles, and they’re yours forever—even if you leave Washington College. And unlike a Flexible Spending Account (FSA), they are not forfeited at the end of each year.