Enrollment 2022

Changes to All Well wellness program

As of Oct. 1, 2021, current associates will need to reach Level 3 to receive the All Well credit. Pulse Cash for reaching Level 4 changed to $15.

Starting Jan. 1, 2022, the All Well credit is changing from $100 per month to $125 per month.

Medical rates are increasing

Rates for all Cigna medical plans will increase an average of 3% in response to rising healthcare costs. However, the actual rate increase will depend on the coverage level you enroll in:

  • Associate Only, Associate + Child(ren), and Associate + Family rates will have modest increases.
  • Associate + Spouse/Domestic Partner rates will increase to be the same as Associate + Family.

The increase is based on actual higher healthcare costs and higher usage of medical benefits.

Contribute more to your HSA

If you enroll in the HSA Base Plan, you can contribute more to your Health Savings Account (HSA) for 2022, up to the IRS maximum contributions: $3,650 for Associate only, or $7,300 for Family.

If you’re age 55 or older, you can contribute an additional $1,000 in catch-up contributions each year.

Remember, it is your responsibility to ensure that your HSA contributions along with the company contributions do not exceed the IRS limits.

Dental rate changes

Cigna Dental PPO plan: Rates will increase by 3% overall for Associate Only, Associate + Child(ren) and Associate + Family coverage levels. Rates for Associate + Spouse/Domestic Partner will increase to be the same as Associate + Family.

Cigna Dental HMO plan: Rates will not change for 2022.

See 2022 Dental Rates in the Resources section.

Voluntary life insurance

Special enrollment opportunity for voluntary life insurance—this year only!

If you are not currently enrolled in voluntary life insurance, you and your eligible spouse/domestic partner will have a one-time opportunity to enroll in voluntary life insurance up to the guaranteed issue (GI) amount without having to provide evidence of insurability (EOI). If you are currently enrolled in coverage, you can increase your coverage by 1 x salary level, up to GI, without providing EOI. For enrolled spouses, you can increase coverage by one level ($25,000) up to GI.

  • Guarantee issue for associates is up to $500,000.
  • Guarantee issue for spouses/DPs is $100,000.

New! Aflac Accident Insurance

Aflac accident insurance helps pay for costs that arise from covered accidents. The plan provides 24-hour coverage, which means you can rest easy, knowing you’re protected.  Aflac accident insurance pays cash benefits that you can use any way you see fit.

Enhanced Aflac Critical Illness Insurance

Aflac has made these improvements to its critical illness insurance:

  • Additional benefits (coma, severe burns, paralysis, loss of sight/speech/hearing).
  • Optional Benefits Rider (Advanced Alzheimer’s Disease, Advanced Parkinson’s Disease, Benign Brain Tumor).
  • Progressive Diseases Rider (Amyotraphic Lateral Sclerosis/ALS, Multiple Sclerosis/MS).
  • Specified Diseases Rider (Muscular Dystrophy, Sickle Cell Anemia, Systemic Lupus, Human Coronavirus, and more).

Make this your year to quit tobacco—for good!

If you are enrolled on a Cigna medical plan through Allscripts, you can get the help you need to finally quit tobacco – at no additional cost through Cigna’s Tobacco Cessation Lifestyle Management Program.

To take the first step, call or go online to www.myCigna.com. Or use the myCigna mobile app.

Through the program, you will:

  • Create a personal quit plan with a realistic quit date.
  • Work one-on-one with a wellness coach to get the support you need to kick the habit for good.
  • Receive free over-the-counter nicotine replacement therapy (patch or gum).
  • Have access to educational materials, interactive tools and resources.

Associates can call the Cigna24 number on the back of their ID cards (800.244.6224) or 855.246.1873 for direct access. They can also access through www.myCigna.com

2022 rates

2022 rates

Need help choosing your medical plan?

The Cigna Easy Choice tool helps you find the plan that’s right for you. Just answer a few quick questions about your needs and preferences. Then, you’ll see available plans, ranked by what matters most to you. You can print, save or email a handy checklist to use when you enroll.

Access the Cigna Easy Choice tool 24 hours a day, 7 days a week at CignaEasyChoice.com and enter this access code: 4AE2VP32.

Will I receive new ID cards for 2022?

Medical You will receive a new medical ID card only if newly enrolled or if you change plans for 2022. Otherwise, you can continue to use your current ID card for 2022.

Dental You will receive a new dental ID card only if you newly enroll in the Cigna Dental Health Maintenance Organization (DHMO) plan

Keep track of your medical plan during the year

Keep track of your plan activity and health all year long with myCignaSM. Use myCigna.com or the myCigna App to find an in-network doctor or other provider, manage claims, track account balances and deductibles, and much more!


Medical rates

Medical rates

Coverage level Associate per-pay-period contribution
With All Well premium credit Without All Well premium credit
HRA Plus
Associate only $75.00 $137.50
Associate + spouse/DP $239.50 $302.00
Associate + child(ren) $136.00 $198.50
Associate + family $239.50 $302.00
HSA Base
Associate only $59.00 $121.50
Associate + spouse/DP $189.50 $252.00
Associate + child(ren) $107.00 $169.50
Associate + family $189.50 $252.00
HRA Value
Associate only $41.50 $104.00
Eligible associates
(earning $16.65 or less)
$32.50 $95.00
Associate + spouse/DP $135.50 $198.00
Associate + child(ren) $75.00 $137.50
Associate + family $135.50 $198.00

Medical plans

Allscripts contributions to your HRA or HSA account

Allscripts contributions to your HRA or HSA account

When you enroll in an Allscripts Cigna medical plan, you will have a health account (an HRA or HSA account, depending on the medical plan you choose) that you can use to pay for eligible healthcare expenses incurred by you or your covered dependents.

Coverage level Allscripts automatically contributes on Jan. 1 Additional contributions that you can earn each quarter Allscripts contributions up to plan year annual maximum
Q1 Q2 Q3
Associate only $200 $100 $100 $100 $500
Associate + spouse/DP $300 $150 $150 $150 $750
Associate + child(ren) $300 $150 $150 $150 $750
Associate + family $400 $200 $200 $200 $1000

Health accounts

Dental rates

Dental rates

Coverage level Associate per-pay-period contribution
Dental PPO
Associate only $8.00
Associate + spouse/DP $25.25
Associate + child(ren) $15.75
Associate + family $25.25
Dental HMO
Associate only $4.50
Associate + spouse/DP $8.50
Associate + child(ren) $10.00
Associate + family $14.75

Dental plans

Vision rates

Vision rates

Coverage level Associate per-pay-period contribution
Associate only $3.24
Associate + spouse/DP $6.15
Associate + child(ren) $6.47
Associate + family $9.50

Vision plan

Voluntary life insurance rates

Voluntary life insurance rates

Monthly rates per $1,000

Associate age
as of Jan. 1, 2021
non-smoker rate
smoker rate
partner rate
Under 24 $0.04 $0.066  $0.050
25-29 $0.04 $0.074  $0.061
30-34 $0.05 $0.082  $0.081
35-39 $0.061 $0.116  $0.090
40-44 $0.095 $0.166  $0.101
45-49 $0.125 $0.264  $0.151
50-54 $0.23 $0.363 $0.232
55-59 $0.43 $0.496 $0.433
60-64 $0.66 $0.66 $0.665
65-69 $1.27 $1.27 $1.279
70+ $2.06 $2.06 $2.074

Your life and AD&D insurance is based on your age and eligible earnings as of Jan. 1. This means your life and AD&D benefit and applicable deductions will remain frozen until the following Jan. 1. Eligible earnings include base pay and commissions paid in the preceding 12-month period.

How to calculate your monthly cost

Multiply your annual salary by the multiple selected and then round up to the next higher $1,000. Divide this amount by $1,000 and multiply by the monthly rate shown in the table. To determine your pay period deduction, divide this amount by 2.

Voluntary life insurance

Voluntary life insurance rates for your child(ren)

Coverage is the same cost for one or more children.

Coverage level Per-pay-period deduction
$10,000 $0.41
$25,000 $1.03

Voluntary life insurance


Voluntary AD&D rates

Voluntary AD&D rates

You may purchase additional AD&D insurance for yourself and your family in increments of one to ten times your salary, to a maximum of $1,000,000.

Coverage level Monthly rate per $1,000
Associate Only $.02
• Spouse: 50% of associate benefit
• Child: 10% of associate benefit

Voluntary AD&D

Pre- and post-tax

Pre- and post-tax

Based on the plan, your cost or contributions for benefits coverage are made on either a before- or after-tax basis.

Before-tax benefits let you pay for coverage with dollars from your pay before taxes have been deducted, which results in tax savings for you. After-tax benefits let you pay for coverage on an after-tax basis using dollars from your pay after taxes have been calculated.

Before-tax benefits:

  • Medical
  • Dental
  • Vision
  • Health Savings Account (HSA)
  • Flexible Spending Accounts (FSAs)
  • 401(k) plan
  • Commuter spending accounts (CSAs)

After-tax benefits:

  • Life and AD&D
  • Roth 401(k)
  • Employee Stock Purchase Plan (ESPP)
  • Aflac Group Critical Illness Insurance
  • Aflac Group Hospital Indemnity Insurance
  • Aflac Group Accident Insurance
  • Hyatt Legal Plan
  • Premiums associated with a domestic partner
When covering a domestic partner, contributions for your domestic partner will be deducted on a post-tax basis. You will also pay taxes on the imputed income on the portion of benefits paid for by Allscripts for your domestic partner to be covered.