2024 Benefits Overview
Open Enrollment for the 2024 plan year is now closed. However, please see below for 2024 plan year details and resources. The changes and plan details summarized below will be effective January 1, 2024, through December 31, 2024.
Quick Links
What You Need to Know
Your Medical Plan Options
2024 Plan Costs
Presentation Recordings
What You Need to Know
We are pleased to continue offering our top-class benefits programs while adding new programs to give you more flexibility and support in areas that matter to you most. See below for changes and enhancements being introduced for the 2024 plan year.
What’s Different? (Effective January 1, 2024)
| What’s Different in 2024 | |
|---|---|
| NEW! 20k fertility coverage added to both Cigna plans | We will be moving our $20k lifetime maximum fertility coverage to our Cigna plans in 2024. Services include: • IUI, IVF, GIFT, ZIFT • Infertility drugs, testing, treatment • Short-term fertility preservation, preimplantation genetic testing, and more This change provides you with in-network resources, is tax-advantageous, and will simplify your fertility experience. |
| S.A.F.E Journey wallet eligibility changes | The S.A.F.E Journey wallet will be limited to adoption, surrogacy, and long-term egg, sperm, and embryo storage expenses in 2024. This wallet will remain a $20k lifetime maximum and will continue to be taxed. IMPORTANT: Kaiser HMO will not have fertility coverage added, so if you are seeking fertility coverage outside of the new S.A.F.E. Journey parameters, please consider moving to a Cigna plan in 2024. |
| Increase to the Lifestyle wallet and sunsetting the Food wallet | In 2024, you will receive $450/month in your Lifestyle wallet. As a result, we will no longer offer the Food wallet. We hope that this change will provide increased flexibility for you and your family. There will be no eligibility or cap changes to the Lifestyle wallet. |
| NEW! Parentaly | Provides coaching for employees going out on Parental Leave, as well as manager training to best support direct reports when they take leave. Learn more here. |
| NEW! ianacare | Provides caregivers the choice to use self-service or connect with expert Caregiver Navigators who can provide vetting, recommendations, and further research. Learn more here. |
What’s Staying the Same? (Effective January 1, 2024)
| What’s Staying the Same | |
|---|---|
| Core health care plans with 0% employee contributions | Medical (Cigna OAP, Cigna OAPIN, Kaiser HMO for California residents) Dental (Delta Dental) Vision (VSP) |
| Insurance coverages and supplemental health | Prudential: Life and disability coverage, voluntary life, accident, and critical illness coverage Healthcare FSA and Dependent Care FSA accounts with Forma |
| Perks and wellness programs | Forma Technology wallet Maven Fertility and parental support Northstar Financial Wellness Lyra Mental Health Support Legal benefits with Rocket Lawyer and/or ARAG buy-up Identity theft protection with Norton LifeLock |
Medical Plan Options
Depending on location, Affirmers have access to up to three medical plan options. Each plan offers comprehensive and cost-effective medical coverage. While there’s no “best” plan, there may be a best plan for you and your family. Review the details below to learn more.
Cigna OAP
The Cigna OAP medical plan features copays for common services such as primary care or specialty visits with no deductible required. For other services such as eligible inpatient and outpatient care, you’ll pay coinsurance after you satisfy your deductible up to the out-of-pocket maximum. This plan also includes transgender health services.
We will be moving our $20k lifetime maximum fertility coverage to our Cigna plans in 2024.
Cigna OAPIN
The Cigna OAPIN medical plan features copays for most services with no deductible to satisfy before the plan pays for eligible services. The OAPIN does not include out-of-network coverage.
We will be moving our $20k lifetime maximum fertility coverage to our Cigna plans in 2024.
Kaiser HMO
The Kaiser HMO medical plan features copays for most services with no deductible to satisfy before the plan pays for eligible services. The HMO does not include out-of-network coverage, so you’ll need to coordinate your care with a Primary Care Physician (PCP).
Kaiser is only available to California residents.
IMPORTANT: Kaiser HMO will not have fertility coverage added, so if you are seeing fertility coverage outside of the new S.A.F.E. Journey parameters, please consider moving to a Cigna plan in 2024.Â
Medical Plan Comparison Snapshot
The table below shows in-network coverage details only so that you can compare plan features.
As a reminder, Affirm pays the premium costs of these plans for all coverage levels.
| Cigna OAP | Cigna OAPIN | Kaiser HMO | |
|---|---|---|---|
| Annual Deductible | $250 per individual, up to $750 per family | None | None |
| Annual Out-of-Pocket Maximum | $2,250 per individual, up to $4,500 per family (combined with out-of-network) | $1,500 per individual, up to $3,000 per family | $1,500 per individual, up to $3,000 per family |
| Office Visit | $10 copay for primary care physician or specialist | $15 copay for primary care physician or specialist | $15 copay for primary care physician or specialist |
| Chiropractic | $25 copay (coverage limited to 20 visits per calendar year combined with out-of-network) | $25 copay (coverage limited to 20 visits per calendar year) | $15 copay (coverage limited to 20 visits per calendar year) |
| Lab and X-ray | $10 copay after deductible in center; $35 copay after deductible in outpatient hospital | No charge | No charge |
| Advanced Imaging | 10% after deductible in radiology | No charge | No charge |
| Urgent Care | $10 copay | $15 copay | $15 copay |
| Emergency Room | $150 copay then 10% (copay waived if admitted) | $100 copay (copay waived if admitted) | $100 copay (copay waived if admitted) |
| Hospitalization | 10% after deductible | $250 copay per admission | $250 copay per admission |
| Outpatient Surgery | 5% after deductible at center; 15% after deductible at outpatient hospital | $100 copay in center; $125 copay in outpatient hospital | $100 copay per procedure |
| Outpatient Mental Health | 0% coinsurance both In and OON | 0% coinsurance both In and OON | Individual: $15 copay Group: $7 copay |
| Transgender Health Services | • Gender reassignment procedures including prosthetics; hair removal; top, bottom, and facial surgeries; and voice therapy • Hormone therapy and related lab testing • Behavioral counseling and routine medical care | • Gender reassignment procedures including prosthetics; hair removal; top, bottom, and facial surgeries; and voice therapy • Hormone therapy and related lab testing • Behavioral counseling and routine medical care | Covers medically necessary transgender services for the treatment of gender dysphoria including mental health services, hormone therapy, mastectomy with chest reconstruction, and gender-affirming lower-body surgeries. Additional services included based on region. |
| Out of Network Mental Health | Yes | Yes | N/A |
| Fertility ($20k lifetime max) | Yes | Yes | N/A |
| S.A.F.E. Journey wallet via Forma ($20k lifetime max) | Only available for surrogacy, adoption, long term egg + sperm + embryo storage in 2024 | Only available for surrogacy, adoption, long term egg + sperm + embryo storage in 2024 | Only available for surrogacy, adoption, long term egg + sperm + embryo storage in 2024 |
Presentation Recordings
Review recorded presentations about each of our benefits offerings!
| Carrier | Recording Link |
|---|---|
| Cigna | Available here |
| Kaiser (CA only) | Available here |
| Delta Dental | Available here |
| VSP | Available here |
| One Medical | Available here Additional information |
| Lyra | Available here |
| Forma | Available here |
| Maven | Available here |
| Prudential | Available here |
| Northstar | Available here |
| ARAG | Available here |
| RocketLawyer | Available here Passcode: !qF7!vJd |
| LifeLock | Available here |