It is a tiered system with a HSA and a PPO plan. They give $500/yr in the HSA and the cost is less than the PPO. The deductibles are high... $1,000/$2,000/not sure on the third tier. Out of pocket max on Tier 2 (which is the Cigna network) is $4,500
"Consumer directed" health plan denies prescription claims for malaria prophylaxis.