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Medical

You work hard every day, and your medical coverage is there to protect your health. Enroll yourself and your eligible dependents as a new hire, during open enrollment, or after a Qualified Life Event.

Your Plan Options How It Works Find Support Get a Digital ID Card
Plans available
Your Plan Options

Coverage for doctor visits, prescriptions, hospital stays, and other services

In-network preventive care
100% Covered

Includes annual checkups, preventive screenings, and some vaccinations

Lowest-cost care
Cigna Network

Use the Cigna network to receive high-quality care at the lowest cost

MDLIVE
Free Virtual Care

See a doctor via phone for non-emergency care

Your Plan Options

Sunland Asphalt offers four medical plan options through Cigna designed to support different lifestyles, budgets, and levels of care, so you can choose coverage that best fits your family’s needs.

Savings Plan

Lower paycheck cost and higher deductible
  • Pay the full cost of care until you meet your deductible
  • Then share costs through coinsurance
  • Paired with a Health Savings Account (HSA) to save tax-free
  • Includes both in-network and out-of-network coverage

Local Care Plan

Predictable copays and no deductible
  • No deductible
  • Based on a more narrow network
  • Only available to those who live in certain ZIP codes
  • Pay copays for services
  • This plan does not have out-of-network coverage

Choice Plan

Affordable copays and no deductible
  • No deductible
  • Pay copays for services
  • Includes a broader provider network
  • This plan does not have out-of-network coverage

Standard Plan

Higher premiums and network-based care
  • Pay copays for some services (like doctor’s office visits)
  • Meet a deductible for other services
  • Then share costs through copay or coinsurance
  • Includes both in-network and out-of-network coverage

How It Works

1

You choose your medical plan during enrollment.

All plans cover the same services but differ in how you pay for care through deductibles, copays, or coinsurance.

2

Your costs come from two places.

What you pay from your paycheck, and what you pay when you receive care. Plans with lower paycheck costs typically have higher out-of-pocket costs when you need care — and vice versa.

3

Your plan determines how you access care.

Some plans offer more flexibility (Savings Plan, Standard Plan), while others require you to stay in network or coordinate care through a primary care physician (Local Care Plan, Choice Plan).

4

When you need care, use an in-network provider to get the best cost.

Visit mycigna.com or the myCigna app to find an in-network provider near you.

5

The amount you pay depends on the plan you choose.

  • In the Savings Plan, you pay the full cost until you meet your deductible.
  • Sunland Asphalt contributes $750 (individual) or $1,500 (family) to your Health Savings Account to help you pay for care.
  • In the Local Care and Choice Plans, you pay copays for most services.
  • In the Standard Plan, you pay copays for most services. Otherwise, you pay the full cost until you meet your deductible.
  • If enrolled in any one of the medical plans, you have access to free virtual care through MDLIVE.
6

After you meet your deductible (if you have one), you pay coinsurance.

The percentage depends on the plan you choose and where you receive care.

7

An out-of-pocket maximum protects you.

Once you reach that limit, the plan pays 100% of covered care for the rest of the year.

What You Pay for In-Network Care

FeatureSavings PlanLocal Care PlanChoice PlanStandard Plan
Individual Deductible$6,500$0$0$2,500
Family Deductible$13,000$0$0$5,000
Coinsurance$0$0$0Plan pays 80%
Out-of-Pocket Maximum (Individual)$6,500$6,000$6,000$7,500
Out-of-Pocket Maximum (Family)$13,000$12,000$12,000$15,000
Preventive CarePlan pays 100%Plan pays 100%Plan pays 100%Plan pays 100%
Primary Care Office VisitPlan pays 100% (deductible applies)$50 copay$50–$125 copay$20 copay
Emergency CarePlan pays 100% (deductible applies)$1,000 copay$1,000 copay$500 copay
See full plan details ›

Considering the Savings Plan?

Sunland Asphalt contributes $750 (individual) or $1,500 (family) to your Health Savings Account to help you pay for care.

What You Pay for Medical Coverage (Per Paycheck)

Cost Per PaycheckSavings PlanLocal Care PlanChoice PlanStandard Plan
Employee Only$8$13$18$59
Employee + Spouse/Partner$53$82$111$147
Employee + Child$51$79$106$143
Employee + Family$80$123$166$252

Get Free Virtual Care With MDLIVE

Get no-cost virtual care anytime, anywhere through MDLIVE. Connect with a doctor by phone or video 24/7 for treatment of non-emergency conditions, including colds, allergies, headaches, and more.

MDLIVE also offers access to licensed counselors and psychiatrists for mental health support, including help with anxiety, depression, grief, and other concerns.

Get started: Visit mdlive.com, download the MDLIVE app, or call 888-726-3171.

Find Support

Access ID cards, see coverage details, and find in-network providers.

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