BJC offers two medical options: Choice Plus and Choice. Both are administered by Cigna, allow access to the Cigna Open Access Plus (OAP) Network of preferred providers, and cover the same medical services. Similarities and differences:

  • Both medical options include Prescription Drug coverage
  • In general, you will pay more out of your bi-weekly paycheck for Choice Plus, but pay considerably less in out-of-pocket costs for deductibles, copayments and coinsurance for medical services
  • With the Choice option, you will pay less per pay period, but you will pay considerably more in out-of-pocket costs when you receive medical services
  • There are three coverage levels within each medical option:​  
  1. BJC Facility Network: You will save the most when you receive services from BJC facilities. Deductibles, coinsurance and copayments are the lowest when you use the BJC network.You may also use BJC facilities that provide mental health and substance abuse services.
  2. Cigna OAP Network: Facilities and physicians, including BJC Medical Group and Washington University School of Medicine physicians, who have agreed to provide services to BJC Medical Plan members at a reduced cost. Deductibles, coinsurance and copayments for facility services are much lower than those from Non-Network providers, but higher than BJC Facility Network providers.
  3. Non-Network: Services from health care providers not within the BJC Facility Network or Cigna OAP network may not be discounted. Note: beginning January 1, 2021, SSM Health, Mercy and St. Luke's Hospital facility charges will be out-of-network. The provider and professional charges will remain in the Cigna OAP Network coverage level.
  • Many preventive services are covered at 100 percent (you owe nothing) if received from a BJC facility or Cigna Network OAP provider. 
  • Cigna Telehealth Connection: For Medical Plan members, BJC has waived out-of-pocket expenses for Cigna Telehealth Connection. When BJC Medical Plan members make virtual care visits through, 888.726.3171 to a board-certified doctor to help with minor, non-life-threatening conditions (e.g., cold or flu, rashes, sore throat, mild fever), there will be no out-of-pocket costs for the virtual care visit. These services can also be provided to infants and children. Plan members can also access Cigna Behavioral Health Telehealth providers for covered services related to mental health and substance abuse, without incurring a copayment. For more information, log in to and search "Talk to a doctor or nurse 24/7." 

Medical Coverage Chart

BJC Medical Plan members will incur NO out-of-pocket expenses (deductibles, coinsurance or copayments) when receiving any outpatient lab work (e . g ., blood draw) and/or outpatient radiology/imaging (including physician/ technician fees) at a BJC facility. Learn more about no out-of-pocket expenses.

This chart provides examples of your payment responsibility under each medical option. Consult the Summary Plan Descriptions (SPD) for coverage details.​​​

  Choice Plus Choice
BJC Facility Network Cigna OAP Network Non-Network BJC Facility Network Cigna OAP Network Non-Network
Annual Deductible – Per Individual
(3x Family)
$400 $900 $4,000 $900 $2,700 $6,000
Annual Out-of-Pocket Maximum
Per Individual $1,500 $5,000 Unlimited $4,000 $6,000 Unlimited
Per Family $4,500 $10,000 $9,200 $12,000
Urgent Care $50 $60
Emergency Room $250 $300
Wellness and Preventive Care $0 $0 50% $0 $0 75%
Cigna Telehealth N/A* $0 Not Covered N/A* $0 Not Covered
Diagnostic/Non-Preventive Office Visit
Primary Care Physician (PCP) $20 $20 50% $25 $25 75%
Specialists $50 $50 60% $60 $60 75%
Outpatient Short-Term Therapy $0 $50 60% $0 $50 80%
Chiropractic Care N/A* $25 Not covered N/A* $25 Not covered

Outpatient Lab & Radiology

$0 50% 50% $0 70% 75%
Outpatient Surgery $0 45% $1,750 & 50% 15% 70% $3,500 & 80%
Hospital Services
Inpatient Facility** $0 50% $2,750 & 60% 15% 70% $5,500 & 75%
Outpatient Facility** $0 50% 50% 15% 70% 75%
Inpatient Professional*** 25% 25% 50% 50% 50% 75%
Outpatient Professional*** 25% 25% 50% 50% 50% 75%

* The BJC Facility Network does not include physicians; BJC Medical Group and Washington University physicians are included in the Cigna OAP Network.
** Billed by Facility. Technical charges for the tools and services that a professional uses to provide health care services, such as equipment, supplies, operating room time, radiology, general nursing care, etc.
*** Billed by Physician. Professional charges for a physician or other licensed health care professional’s time and expertise to provide health care services to an individual.

Understanding Benefit Terms

Both medical options, Choice Plus and Choice, cover the same medical services, such as a visit to a primary care physician or specialist, a trip to the emergency room, or outpatient surgery. What is primarily different about the two options is the amount you pay for services, as well as the bi-weekly deductions from your paycheck (contributions), copayments, deductibles and coinsurance. 

For more information, call Cigna 800.244.6224 or log in to your myCigna account.

This chart provides a few examples of your payment responsibility under each medical option. Consult the Summary Plan Descriptions (SPD) for coverage details.

Employee Costs for Medical Coverage

The costs below are pre-tax, per-pay-period deductions, based on 26 pay periods a year.

  Full-Time Part-Time
Choice Plus
Employee only $79.48 $119.22
Employee + Children $133.68 $200.52
Employee + Spouse $190.80 $286.20
Employee + Family $244.82 $367.23
Employee only $41.76 $62.64
Employee + Children $76.22 $114.33
Employee + Spouse $111.32 $166.98
Employee + Family $146.43 $219.65

Note: Additional coverage costs may apply due to the Working-Spouse Surcharge and/or the Tobacco-User Surcharge.

Annual Wellness Incentive

The Annual Wellness Incentive is just one of many benefits BJC provides to support our efforts in achieving and sustaining healthy outcomes for team members (such as Omada for diabetes and Sleepio for better sleep habits) who participate in the BJC Medical Plan. BJC employees who are actively covered as the main subscriber in the BJC Medical Plan on January 1, 2021 can earn a wellness incentive of $225 by completing the two steps below between July 1, 2020 and June 30, 2021:  

STEP 1: Complete one of the following: 

  • a blood draw at a BJC facility, or
  • a BJC at-work health screening.​​​ The screening needs to include height, weight, waist circumference, blood pressure and a finger-stick blood draw for cholesterol and blood glucose.      

STEP 2: Complete the Cigna Health Risk Assessment (HRA) on This includes entering into your HRA your most recent health screening or blood draw results.   HRA instructions​​​

You must complete both steps 1 and 2 to earn the $225 Annual Wellness Incentive. Spouses are not eligible.

View or print the Annual Wellness Incentive infographic​​​

No documentation is required to prove that you completed the requirements of steps 1 and 2 as this will be validated through CIGNA and reported to BJC. The 2021 wellness incentive will be awarded to employees enrolled in the BJC Medical Plan on the first paycheck in December 2021, in form of a credit to the bi-weekly cost for medical coverage.

If you would like to view your Cigna HRA confirmation statement, login to and choose My Health Assessment from the Wellness section, or call Cigna at 800-244-6224.

Questions?  Call the BJC Employee Service Center at 314-362-2184 or toll-free 855-362-2184, or email [email protected].