Med Performance 5000 Classic

Cigna PPO Network

The Med Performance 5000 Classic is a comprehensive major medical plan built on the Cigna PPO network, designed for individuals and families who want broad coverage with manageable copays for everyday care. With a $5,000 individual deductible and predictable flat-rate copays for office visits, it's a solid fit for generally healthy people who want protection against larger medical expenses while keeping routine visit costs straightforward.

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The Med Performance 5000 Classic plan gives you access to the Cigna PPO network, one of the largest provider networks in the country, with no waiting period before your coverage kicks in. Routine office visits are simple to budget: you pay a $45 copay to see your primary care doctor, $90 for a specialist, and $90 for urgent care. Preventive care is covered at no cost when you stay in-network, and telemedicine is available through Evo also at no cost, making it easy to get care for minor issues without leaving home. For bigger medical needs, the plan has a $5,000 individual deductible that must be met before coinsurance applies. Once you've met your deductible, the plan covers 80% of in-network costs and you pay the remaining 20%, up to an individual out-of-pocket maximum of $7,350. Hospital stays, surgeries, emergency room visits, imaging, lab work, mental health care, and pregnancy and childbirth are all covered. Some services — including inpatient procedures, surgeries, and certain diagnostic tests — require prior authorization, so it's important to check before scheduling those services. Prescription drug coverage is included with flat copays at participating pharmacies: $0 for preventive generics, $15 for standard generics, $65 for preferred brand-name drugs, and $100 for non-preferred brands. Keep in mind that if you request a brand-name drug when a generic is available, you'll owe the brand copay plus the price difference, and that extra cost does not count toward your out-of-pocket maximum. Specialty drugs are covered at 50% coinsurance. Prescription benefits are only available at in-network pharmacies. This plan is a strong choice for people who want comprehensive major medical coverage with access to a wide network and predictable copays for day-to-day care. Because the deductible is $5,000, it works best for those who are relatively healthy and primarily want protection against unexpected or serious medical events. Note that this plan is not HSA-compatible and requires medical underwriting, so approval is not guaranteed. Hearing aids, infertility treatments, and certain elective procedures are among the services not covered, so review the full schedule of benefits carefully to understand what is and isn't included.

Lower premium than 3500 Classic with the same Cigna PPO network.

Plan details

Deductible (Individual): $5,000
Deductible (Family): $10,000
Out-of-Pocket Max (Individual): $7,350
Out-of-Pocket Max (Family): $14,700
Coinsurance (In-Network): 20%
Primary Care Copay: $45
Specialist Copay: $90
Urgent Care Copay: $90

Benefits

Deductible
$5,000 / $10,000
Individual / Family
Max Out of Pocket
$7,350 / $14,700
Individual / Family
Copay
$45 / $90 / $90
PCP / Specialist / Urgent Care
Coinsurance
20% after deductible
Rx Coverage
$0 / $15 / $65 / $100
T1 / T2 / T3 / T4
Pregnancy
Covered
Mental Health
Covered
20% after deductible
Work Requirement
No work requirement
Waiting Period
None

Med Performance 5000 Classic

Plan details

Benefits

Plan documents

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