Medical Insurance
Lennar offers various medical plan options depending on your geographic location.
Associates who wish to enroll in medical are required to complete a Health Assessment
as part of enrollment. The results of the assessment are kept confidential between
you and CIGNA, are not shared with anyone at Lennar, and will in no way limit your
ability to enroll, your enrollment options, or your costs.
In most states and regions, we offer a Network Plan, which operates like an HMO
plan with a $500 individual deductible, 80% coverage and require the use of a Primary
Care Physician (PCP) for most medical care. If you do not live in an area that is
served by the Network plan, you will not be offered this plan. This play has no
out-of-network coverage except emergency and urgent care.
If you live in California or Minnesota or portions of Wisconsin or Alabama, we offer
an Open Access Plus In-Network Plan, which operates much like an HMO plan with a
$500 indvidual deductible, 8-% coverage, and does NOT require the use of a Primary
Care Physician. This plan has no out-of-network coverage except for emergency care
and urgent care.
Also, we offer an Open Access Plus (OAP) Plan. This plan operates like a PPO plan
with a $500 individual, in-network deductible, 80% coverage for in-network care
and 60%coverage for out-of-network care and typically begins to pay these percentages
AFTER you have satisfied your deductible. In-network coverage is paid based on CONTRACT
rates and out-of-network coverage is paid based on REASONABLE AND CUSTOMARY rates.
Additionally, we offer a Consumer Driven Health Plan with a Health Reimbursement
Account (CDHP/HRA). This plan operates like a PPO plan with a $1,500 individual,
in-network deductible, 80% coverage for in-network care and 60% coverage for out-of-network
care and begins paying these percentages AFTER you have satisfied your deductible.
Enrollees are automatically given an HRA account with $500 (individual) or $1,000
(family) in credits to use towards their deductible. Any unused HRA funds can be
rolled into the following calendar year (maximums apply). In-network coverage is
paid based on CONTRACT rates and out-of-network coverage is paid based on REASONABLE
AND CUSTOMARY rates. In-network preventive care is covered at 100%.
All medical plans are administered by CIGNA Healthcare. The costs of the plans are
shared by the company. The bi-weekly amount of associate contribution is shown in
the table below.
Prescription Drug
Medical enrollees are automatically enrolled in prescription drug coverage. Regardless
of the plan you choose, your prescription drug coverage will be the same. The plan
is operated by Medco. You may not enroll in prescription drug coverage separate
from medical.
