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Our Cigna medical plans have several changes, including a new PPO option. We are also adding three Kaiser Permanente medical options for California residents. (These are in addition to the Cigna options available to all associates.) If you enroll in an Allscripts medical option for 2023, you will receive a new ID card.

Cigna medical plan changes

  • The Cigna HRA Value plan will end on Dec. 31, 2022. Important: If you are currently enrolled in the Cigna HRA Value plan and choose the Cigna HRA plan for 2023, your unused HRA funds will roll over to the new plan. However, if you are currently enrolled in the Cigna HRA Value plan and enroll in the Cigna HSA plan or the Cigna PPO plan—or you do not enroll in any medical plan—you will have until June 30, 2023 (180 days), to submit claims for eligible medical expenses incurred in 2022. Any unused funds in your HRA after this date will be forfeited.
  • The Cigna HRA Plus and HSA Base plans will have a few changes to plan features—as well as new plan names: Cigna HRA and Cigna HSA plans.
  • We are introducing a new Cigna PPO plan as our third medical option. The PPO plan will have copays (instead of coinsurance) for network office visits (primary care and specialists), urgent care and emergency room care.
  • Medical rates are increasing due to actual medical and prescription drug claims experience.
  • New ID cards. Because of plan changes and active enrollment, you will receive a new medical ID card if you enroll in one of the medical options.
  • Allscripts contributions. Allscripts contributions to the HRA will not change. HSA contributions will decrease this year.
  • The prescription drug program will change to the Cigna National Preferred Formulary program.

Kaiser Permanente

  • Kaiser Permanente will offer three new medical options for California residents: Kaiser HMO, Kaiser HRA and Kaiser HSA. These plans are in addition to the Cigna medical plan options.

NEW! Tobacco surcharge

If you enroll in an Allscripts medical plan and you currently use tobacco products (or have used tobacco within the last six months), you will pay a tobacco surcharge of $50 per month ($25 per paycheck) in addition to your regular medical premium.

You may be eligible to have the surcharge stopped if you enroll in and successfully complete one of our medical providers’ tobacco cessation programs:

  • Cigna Tobacco Cessation program lets you talk confidentially with a health coach to create a quit plan and get nicotine replacement therapy at no additional cost to you. To learn about the Cigna tobacco cessation programs, call the number on the back of your ID Card or visit myCigna.com
  • Kaiser Permanent’s Quit Smoking program offers a variety of options to help you stop smoking and kick tobacco use. Visit www.kp.org/quitsmoking for details and more information.

NEW! COVID vaccination surcharge

If you enroll in an Allscripts medical plan and you have not been vaccinated for COVID, you will pay a COVID vaccination surcharge of $10 per month ($5 per paycheck). Please refer to the “US COVID-19 Vaccination Policy” available on the Policies intranet page.

If you are vaccinated but haven’t entered your vaccination status in Oracle, please do so as soon as possible to avoid the surcharge.

Medical plan options

Health Accounts

If you enroll in one of the Allscripts HRA plans this year, you will receive Allscripts contributions during the year.

If you enroll in the Cigna HSA Plan or the Kaiser HSA Plan you can participate in a health saving account (HSA).

  • You can contribute more in 2023. IRS maximum contribution limits are increasing to $3,850 for associate only and $7,750 for family. (These are increases of $200 and $450). These maximum limits include your contribution and Allscripts contributions combined.
  • Allscripts contributions.
  • If you’re age 55 or older, you can contribute an additional $1,000 in catch-up contributions each year.

Health Account Contributions

Well-being

The Virgin Pulse program will end on Dec. 31, 2022. Until then, you can continue to use the platform and resources.

  • All eligible associates will still be able to earn Pulse Cash through Virgin Pulse through Dec. 31, 2022, so keep stepping and earning those points!
  • If you enroll in an Allscripts medical plan for 2023 you will no longer need to earn the All Well credit; everyone’s premium will include the discount.
  • You will continue to have access to your Virgin Pulse account for 30 days after the program ends to redeem any earned Pulse Cash.

Allscripts is committed to your physical, emotional and financial well-being and will be introducing new benefits and resources in 2023. Stay tuned!

Flexible spending accounts

For 2023, the IRS is increasing the maximum limit for contributions to the general purpose and limited purpose heath care FSAs to $3,050 (currently) $2,850.

All Care Benefits Service Center will replace WEX as our flexible spending account (FSA) administrator in 2023 for the general purpose healthcare FSA, limited purpose healthcare FSA, and dependent care FSA. These accounts will be called MyChoice™ accounts.

WEX will continue to administer our accounts through Dec. 31, 2022. If you have unused funds in your account at that time, you have until March 31, 2023, to file a claim for any 2022 eligible expenses.

Flexible Spending Accounts

Voluntary insurance plans

If you are currently enrolled in critical illness, hospital indemnity and/or accident insurance, your current elections will not roll over for 2023; you must re-enroll to continue participation.

  • Aetna will replace Aflac as administrator for these voluntary insurance plans.
  • Special one-time enrollment opportunity! All of these plans will be “guaranteed issue” for you and your family which means you are guaranteed acceptance with no medical questions asked when you enroll during this year’s open enrollment. Each of these plans offer enhanced benefits and better pricing.

Voluntary insurance

Legal plan

The MetLife legal plan’s covered services will be enhanced, including adding divorce as a covered service.

Legal plan

Retirement Savings Plan

Starting in January, you will automatically be enrolled in the Allscripts Retirement Savings Plan at 4% of your annual salary, unless you are already enrolled at a higher amount.

Increased IRS maximum contribution limits for 2023!

  • You will be able to contribute up to $22,500 in 2023 (currently $20,500).
  • If you are age 50 or older, you can make additional catch-up contributions of up to $7,500 (currently $6,500).

You can change your contributions to a higher or lower amount at any time during the year.

Retirement Savings Plan

Dental and Vision

There are no plan design or rate changes for 2023.

Dental

Vision

Need help choosing your medical plan?

Take advantage of the Cigna Easy ChoiceSM  tool to help you compare and review your Cigna 2023 medical plan choices.

Update your beneficiaries

Benefits Open Enrollment is a good time to review your beneficiaries for specific benefit plans, such as the life and AD&D insurance plans and the Retirement Savings Plan.

You can update your beneficiaries any time by logging in to allscriptsbenefits.com (for your life insurance and AD&D) and workplace.schwab.com (for your retirement plan).

Medical per-paycheck rates

Medical per-paycheck rates

2023 Cigna medical rates
Coverage level Associate per-pay-period contribution
Cigna HRA
Associate only $95.00
Associate + spouse/DP $239.50
Associate + child(ren) $136.00
Associate + family $239.50
Cigna HSA
Associate only $85.00
Associate + spouse/DP $202.00
Associate + child(ren) $119.00
Associate + family $214.50
Cigna PPO
Associate only $43.50
Associate + spouse/DP $138.50
Associate + child(ren) $75.50
Associate + family $144.50
2023 Kaiser Permanente medical rates (CA only)
Coverage level Associate per-pay-period contribution
HSA
Associate only $101.50
Associate + spouse/DP $256.00
Associate + child(ren) $145.50
Associate + family $256.00
HRA
Associate only $71.50
Associate + spouse/DP $170.00
Associate + child(ren) $100.00
Associate + family $180.50
HMO
Associate only $41.00
Associate + spouse/DP $130.50
Associate + child(ren) $71.00
Associate + family $136.00

2023 Medical plan comparison chart

Allscripts contributions to your HRA or HSA account

Allscripts contributions to your HRA or HSA account

Note: If you enroll in the Kaiser HRA medical plan, your will receive 100% of Allscripts contributions on Jan. 1, 2023.

Coverage level Allscripts Quarterly Health Account Contributions Maximum Allscripts Contributions
Q1 Q2 Q3 Q4
HRA
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
HSA
Associate only $160 $80 $80 $80 $400
Associate + spouse/DP $240 $120 $120 $120 $600
Associate + child(ren) $240 $120 $120 $120 $600
Associate + family $320 $160 $160 $160 $800

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
Associate
non-smoker rate
Associate
smoker rate
Spouse/domestic
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 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
Family
• Spouse: 50% of associate benefit
• Child: 10% of associate benefit
$.03

Voluntary AD&D

How the medical surcharges work (and how to avoid them)

How the medical surcharges work (and how to avoid them)

COVID-19 vaccination surcharge

If you enroll in an Allscripts medical plan for 2023, you will pay a surcharge of $10 per month ($5 per paycheck) if you haven’t received a COVID-19 vaccine by March 31, 2023. You must enter your vaccination status in Oracle by that date. If you are not vaccinated, you will see the surcharge added to your medical premiums starting with the first paycheck after April 1, 2023.

If you’ve already received your vaccination, don’t wait, enter your status now! For details on our vaccination policy or to find out how to enter your status in Oracle, refer to the “US COVID-19 Vaccination Policy” available on the Policies intranet page.

During the year, if you complete the COVID-19 vaccination and enter this information into Oracle, Allscripts will remove the surcharge; it may take up to three pay periods before you see this reflected in your paycheck.

Note: New hires will have 90 days from their date of hire to enter proof of vaccination.

Tobacco surcharge

If you enroll in an Allscripts medical plan (Cigna or Kaiser Permanente), you must certify whether you use tobacco. If you certify that you are a tobacco user, starting Jan. 1, 2023, you will pay a $25 per paycheck surcharge ($50 per month). This is in addition to your regular medical premium.

A “tobacco user” refers to the use of tobacco products within the past six months. Tobacco products include:

  • Cigarettes, cigars, and pipes, snuff, chewing tobacco.
  • All forms of smokeless tobacco.
  • Clove cigarettes.
  • Any other smoking devices that use tobacco, such as hookahs, or simulate the use of tobacco, such as electronic cigarettes.

How to avoid or stop the surcharge

For 2023, if you enroll in an Allscripts medical plan (Cigna or Kaiser Permanente) and you certify that you are a tobacco user, you will be assessed the surcharge. (This surcharge applies only to an employee who uses tobacco, not to covered dependents.)

However, if you successfully complete one of our medical providers’ free Tobacco Cessation programs or are tobacco free for at least six months, you can apply to no longer pay the surcharge and you may be eligible for credit of any surcharge that you have paid. You must log into AllscriptsBenefits.com and change your Tobacco Use status to a non-user. Please note, it may take up to two pay periods before the surcharge is removed from your paycheck.

Commit to quit!

It is no secret that tobacco use leads to serious health issues. Avoid the tobacco surcharge by taking advantage of our medical providers’ Tobacco Cessation Programs that offer:

  • A personal quit plan with a realistic quit date.
  • Support and advice from a personal wellness coach to get the support you need to kick the habit for good.
  • Free over-the-counter nicotine replacement therapy (patch or gum).
  • Access to educational materials, interactive tools and resources.

To get started, contact your medical provider for details:

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

After-tax benefits:

  • Life and AD&D
  • Roth 401(k)
  • Employee Stock Purchase Plan (ESPP)
  • Critical Illness Insurance
  • Hospital Indemnity Insurance
  • Accident Insurance
  • 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.

BenefitProviderPhoneWebsiteTypeshf:tags
PayrollAllscripts404.847.5945Morehr
General HRAllscriptsVisit siteMorehr
COBRABusinessolver844.705.4101Visit SiteMorehealth-wellness
Benefits Service CenterAllCare844.705.4101Visit SiteMorebenefits-enrollment-2021
Health AdvocateHealth Advocate866.695.8622Visit SiteMorehealth-wellness
VisionVSP800.877.7195Visit SiteMorehealth-wellness
FSAWEX866.451.3399Visit Site, Morefinancial-security health-wellness
All Well wellness programVirgin Pulse833.532.6895Visit SiteMorehealth-wellness
Supplemental benefitsAflac800.433.3036Visit Site, Morefinancial-security voluntary-benefits
Employee Assistance ProgramOptum866.248.4094Visit Site, Moreeveryday-living health-wellness
Legal PlanHyatt Legal Plan (MetLife)800.821.6400Visit SiteMoreeveryday-living
VPI Pet InsuranceNationwide877.738.7874Visit SiteMoreeveryday-living
Investment AdviceCAPTRUST800.967.9948Visit SiteMorefinancial-security
TelehealthMDLIVE888.726.3171 Visit SiteMorehealth-wellness
Prescription drugAccredo Specialty Pharmacy877.826.7657Visit SiteMoreprescription-drug
Medical & DentalCigna800.244.6224Visit SiteMorehealth-wellness
HSA AccountsHSA Bank800.244.6224Visit SiteMorefinancial-security
Retirement Savings PlanCharles Schwab800.724.7526Visit SiteMorefinancial-security
Allscripts Employee MallAbenityVisit SiteMoreeveryday-living
Basic Life & AD&DNew York Life888.842-4462 or for Espanol 866.562.8421Visit SiteMorefinancial-security
Disability/leave of absence (LOA)New York Life888.842.4462, or for Espanol 866.562.8421Visit SiteMorefinancial-security
Business Travel Accident (BTA)AIG877.244.6871 Visit Site, Moreeveryday-living financial-security
Employee Stock Purchase Program (ESPP)E*TRADE800.838.0908Visit SiteMorefinancial-security
Financial wellnessCGI888.724.2262Visit Site, Moreeveryday-living financial-security
Prescription DrugsCigna 90 NowVisit SiteMorehealth-wellness
MedicalCigna888.806.5042Visit Site, More2023-benefits-enrollment wip