Every benefits-eligible employee can choose one of three Cigna plans: the Base PPO, the Buy-Up PPO or the HDHP. If you live in California, you have two more options through Kaiser Permanente: the HMO $15 and the HMO $750 Deductible. Prescription drugs are included with whichever plan you pick, and coverage runs January 1 through December 31, 2026.
If you have medical coverage somewhere else and waive ours, Liberty adds a $25 credit to each paycheck. You have to opt into the credit in Paycom when you waive.
Choosing the right plan
Answer three questions and we’ll estimate what each 2026 medical plan could cost you for the year, counting both your paycheck deductions and what you’d pay when you get care.
A rough 2026 estimate for in-network care, based on each plan’s deductible, copays, coinsurance and out-of-pocket maximum, plus 24 semi-monthly paycheck deductions. For the Cigna HDHP, the total subtracts the money Liberty puts in your HealthEquity HSA (up to $500 for just you, or $1,000 if you cover anyone else). For “Me + spouse,” “Me + child(ren)” and “My family,” the person with the most care uses the level you pick and everyone else has light use. Your real costs depend on the care you get and what your providers charge. Kaiser HMOs are only available to California residents and only cover care from Kaiser doctors and facilities. See Medical Insurance for full plan details. Questions? Email benefits@libertycompany.com or call 818-914-3986.
Start with how much care you expect to use. The Cigna plans all use the Open Access Plus (OAP) network, let you see out-of-network providers for a higher cost, and don’t require referrals.
- Buy-Up PPO: the highest paycheck cost and the lowest cost when you get care. $20 office visits, a $250 deductible and a $2,500 out-of-pocket maximum. A good fit if you see doctors often or expect a surgery or a baby.
- Base PPO: a middle option. $30 office visits, a $750 deductible and a $3,000 out-of-pocket maximum.
- HDHP: $0 per paycheck for employee-only coverage, and Liberty puts up to $500 ($1,000 if you cover dependents) into a HealthEquity HSA for you. The trade-off is that you pay the full cost of care, other than in-network preventive care, until you meet the $3,000 deductible.
- Kaiser HMO $15 (California only): no deductible and $15 copays for most visits, but you must use Kaiser doctors and facilities and choose a Kaiser primary care physician.
- Kaiser HMO $750 Deductible (California only): $0 per paycheck for employee-only coverage, a $750 deductible, $30 primary care visits and $40 specialist visits. Same Kaiser-only network rules.
Cigna plans
Base PPO
- Deductible: $750 individual / $2,250 family in network ($2,000 / $6,000 out of network)
- Out-of-pocket maximum: $3,000 individual / $6,000 family in network ($10,000 / $20,000 out of network)
- Primary care, specialist, telehealth and outpatient mental health visits: $30 copay
- Urgent care: $35 copay. Emergency room: $100 copay, waived if you’re admitted
- Hospital stays and outpatient surgery: 20% after the deductible
- Out of network: you pay 50% after the deductible
Buy-Up PPO
- Deductible: $250 individual / $750 family in network ($750 / $2,250 out of network)
- Out-of-pocket maximum: $2,500 individual / $5,000 family in network ($5,000 / $10,000 out of network)
- Primary care, specialist, telehealth and outpatient mental health visits: $20 copay
- Urgent care: $25 copay. Emergency room: $100 copay, waived if you’re admitted
- Hospital stays and outpatient surgery: 20% after the deductible
- Out of network: you pay 40% after the deductible for most services
HDHP
- Deductible: $3,000 employee only / $6,000 family in network. On family coverage, no one person pays more than $3,400 toward the deductible.
- Out-of-pocket maximum: $4,000 individual / $8,000 family in network ($10,000 / $20,000 out of network)
- Preventive care: free in network, before the deductible
- Office, telehealth and mental health visits: $30 copay after the deductible
- Urgent care, hospital stays and surgery: 20% after the deductible. Emergency room: $100 copay after the deductible
- Out of network: you pay 50% after the deductible
The HDHP is the only plan that lets you open a Health Savings Account. See Health Savings and Flexible Spending Accounts for how Liberty’s HSA contribution works.
All three Cigna plans cover chiropractic care up to 20 visits a year in network. Virtual visits are through MDLIVE and cost the same as an office visit on your plan.
Kaiser Permanente HMOs (California only)
Kaiser’s HMOs only cover care from Kaiser doctors, hospitals and pharmacies, except in an emergency. You’ll pick a Kaiser primary care physician, who refers you to specialists when you need one. Telehealth visits are covered at no cost on both plans.
HMO $15
- No deductible. Out-of-pocket maximum: $1,500 individual / $3,000 family
- Primary care, specialist, urgent care and outpatient mental health visits: $15 copay
- Emergency room: $200 copay
- Hospital stay: $250 per admission. Outpatient surgery: $15 per procedure
- Lab work and imaging: no charge
HMO $750 Deductible
- Deductible: $750 individual / $1,500 family. Out-of-pocket maximum: $3,000 individual / $6,000 family
- Primary care and urgent care: $30 copay. Specialist: $40 copay
- Emergency room, hospital stays and outpatient surgery: 20% after the deductible
Northern and Southern California members get the same benefits. Only the group number is different.
Prescription drugs
Your medical ID card is also your pharmacy card. What you pay for a 30-day retail supply:
- Cigna Base and Buy-Up PPO: $15 generic, $30 preferred brand, $60 non-preferred brand, 20% specialty up to $250. A 90-day mail order supply is $45 / $90 / $180.
- Cigna HDHP: the same copays, after you meet the deductible.
- Kaiser HMO $15: $10 generic, $30 brand, 20% specialty up to $250. Mail order (up to 100 days): $20 / $60.
- Kaiser HMO $750 Deductible: $15 generic, $35 brand, 20% specialty up to $250. Mail order (up to 100 days): $30 / $70.
Cigna puts you in either the Walgreens or the CVS pharmacy network, based on where you already fill prescriptions. If you don’t have a pharmacy yet, you’ll be placed with CVS. You can switch to Walgreens at myCigna.com or by calling the number on your ID card. Out-of-network pharmacies aren’t covered on the Cigna plans.
What you pay per paycheck
2026 semi-monthly deductions for full-time employees (24 paychecks a year):
- Cigna Base PPO: $59.04 employee only, $383.77 employee + spouse/domestic partner, $324.73 employee + child(ren), $649.45 family
- Cigna Buy-Up PPO: $84.16 employee only, $436.45 employee + spouse/domestic partner, $372.39 employee + child(ren), $724.70 family
- Cigna HDHP: $0.00 employee only, $109.95 employee + spouse/domestic partner, $76.98 employee + child(ren), $258.28 family
- Kaiser HMO $15: $44.26 employee only, $309.79 employee + spouse/domestic partner, $265.53 employee + child(ren), $486.81 family
- Kaiser HMO $750 Deductible: $0.00 employee only, $200.92 employee + spouse/domestic partner, $166.56 employee + child(ren), $338.35 family
Your share comes out of your paycheck before taxes. ID cards aren’t mailed. Download yours from the myCigna or Kaiser Permanente app, or print one from their websites.
