Medical Plan Information

Summaries of Benefits and Coverage

Rutherford County's 2026 Medical Summaries of Benefits and Coverage (SBCs) are below. Keep in mind that the Grandfathered Deductible plan is only available to those who are already enrolled in it.

• Open Access Plus High Deductible Health Plan (HDHP) with HSA

• LocalPlus High Deductible Health Plan (HDHP) with HSA
• Open Access Plus High Deductible Health Plan (HDHP) without HSA
• LocalPlus High Deductible Health Plan (HDHP) without HSA
• Open Access Plus Copay Plan
• LocalPlus Copay Plan
• Open Access Plus Grandfathered Deductible Plan
• LocalPlus Grandfathered Deductible Plan

 

Additional Resources

• Cigna Easy Choice Tool - A great resource to help you assess which plan is right for you and your family. Just answer a few quick questions about your needs and preferences, and see plans ranked by what matters most to you. 
• Code for premiums WITH Wellness Credit: EETUFUG1 / Code for premiums WITHOUT Wellness Credit: KGXJEDWQ
• Digital ID Cards - Remember that your virtual medical ID cards are accessible in myCigna, but physical copies of your medical ID cards won't be mailed to you unless you request it. Follow these steps to locate your medical ID card through the myCigna.com online portal or app.
• myCigna Health Portal - Your personalized Cigna health dashboard. Find in-network providers, keep track of your claims, and view, request, or print your ID cards all from one portal or app.
• Check Your Provider's Network Status - Not currently enrolled in a network but want to check your provider's network status? You can follow these steps to make sure your doctor is in network with the Open Access Plus (OAP) and/or LocalPlus (LP) networks. The OAP network is a broad network with higher premiums, while the LocalPlus is a more selective, but still flexible, network that has lower premiums than the OAP.
• LocalPlus Away From Home Care - Have children in college out of state? Catch the flu on vacation? The LocalPlus network isn't just local. It covers you wherever you need it.
• Get The Most Out Of Your Medical Plan - Your Rutherford County medical plan enrollment gives you access to extensive resources through Cigna, including identity theft protection, gym membership discounts, lifestyle management programs, mental health support, and more. Make sure you know all the resources at your disposal so you can reach for them when you need them.
• Convenient Telehealth Options - Find virtual Primary Care, Urgent Care, Dermatology, and Behavioral Care through MDLive covered at 100% by your medical plan, all at your fingertips.