Medical
Sprinklr offers three Cigna medical plan options: EPO Premier, PPO Select and HDHP SmartChoice with HSA. The most important thing to know about our medical plans is that they are here to protect your and your family’s health and wellbeing.
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Plan options
Cigna high deductible health plan (HDHP Plus with HSA)
The HDHP offers the lowest premiums, but you have higher immediate out-of-pocket costs when you need care. However, the plan is paired with a Health Savings Account (HSA) partially funded by Sprinklr to cover some your deductible ($750 if you’re enrolled as an individual, or $1,500 if you’re enrolled in any other tier). You may also deposit pre-tax dollars in your account to cover medical expenses, saving you about 30%.
Cigna Exclusive Provider Organization (EPO Base)
The EPO plan offers a network of doctors and hospitals for you to choose from, and has lower premiums than the PPO plan. You don’t need to have a primary care physician or referral to see a specialist — you can generally see any provider if you stay in-network. Out-of-network care is not covered except in an emergency. If you’re looking for lower monthly premiums and can meet a higher deductible when you need care, the EPO may be right for you.
Cigna PPO Premium
The PPO plan has a large network so you have more doctors and hospitals to choose from. The premiums are higher than the other medical plan options, the copays and coinsurance for in-network care are low, and the out-of-pocket maximum is lower than the other plans. You also can see specialists and out-of-network doctors without a referral. If you know you’ll need more health care in the coming year and you can afford higher premiums, the PPO may be a good choice.
Plan comparison chart
2026 Employee cost per pay period
| CIGNA HDHP WITH HSA | CIGNA EPO BASE | CIGNA PPO PREMIUM | |||
|---|---|---|---|---|---|
| IN-NETWORK | OUT-OF-NETWORK | IN-NETWORK | IN-NETWORK | OUT-OF-NETWORK | |
| Deductible (Individual/Family) | $2,000 / $4,000* | $3,200 / $6,400* | $1,000 / $2,000 | $750/ $1,500 | $2,500 / $5,000 |
| Out-of-Pocket Max (Individual/Family) | $4,000 / $8,000 | $8,000 / $16,000 | $4,000 / $8,000 | $2,500 / $5,000 | $5,000 / $10,000 |
| Coinsurance | 20% | 40% | 20% | 20% | 40% |
| Preventive Visit | $0 | 40% coinsurance after deductible |
$0 | $0 | 40% coinsurance after deductible |
| PCP Office Visit | 20% coinsurance after deductible |
40% coinsurance after deductible |
$25 | $20 | 30% coinsurance after deductible |
| Specialist Visit | 20% coinsurance after deductible |
40% coinsurance after deductible |
$40 | $30 | 30% coinsurance after deductible |
| X-rays | 20% coinsurance after deductible |
40% coinsurance after deductible |
20% coinsurance after deductible |
20% coinsurance after deductible |
40% coinsurance after deductible |
| Lab Work | 20% coinsurance after deductible |
40% coinsurance after deductible |
20% coinsurance after deductible |
20% coinsurance after deductible |
40% coinsurance after deductible |
| Advanced Radiological Imaging (Includes MRI, MRA, CAT Scan, PET Scan, etc.) |
20% coinsurance after deductible |
40% coinsurance after deductible |
20% coinsurance after deductible |
20% coinsurance after deductible |
40% coinsurance after deductible |
| Emergency Room | 20% coinsurance after deductible |
40% coinsurance after deductible |
$250 | $200 | $200 |
| Urgent Care | 20% coinsurance after deductible |
40% coinsurance after deductible |
$75 | $75 | $75 |
| Inpatient Care | 20% coinsurance after deductible |
40% coinsurance after deductible |
20% coinsurance after deductible |
20% coinsurance after deductible |
40% coinsurance after deductible |
| Outpatient Care | 20% coinsurance after deductible |
40% coinsurance after deductible |
20% coinsurance after deductible |
20% coinsurance after deductible |
40% coinsurance after deductible |
| Telehealth | $0 | Not covered | $0 | $0 | Not covered |
| Physical Therapy, Occupational Therapy, Speech Therapy Limits |
Unlimited
|
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| Prescriptions (In-Network Only) | |||||
| Prescription Drug Deductible | After deductible: | ||||
| Generic | $10 | N/A | $10 | $10 | N/A |
| Preferred Brand | $35 | $35 | $35 | ||
| Non-Preferred Brand | $70 | $70 | $70 | ||
*Effective Jan. 1, 2026: Under the HDHP with HSA plan, in-network expenses apply only to the in-network deductible, and out-of-network expenses apply only to the out-of-network deductible.
Preventive medications: Certain preventive medications for chronic conditions such as diabetes, high blood pressure, high cholesterol, asthma and heart conditions are covered at no cost for Cigna plan participants. See Cigna’s No Cost-Share Preventive Medication (ACA) list. Additionally, when you purchase other preventive medications listed on Cigna’s Preventive Generics and Preferred Brands Drug list, you will pay the applicable copay, but no deductible applies.
Virtual health
Can’t make it in for an appointment?
Connect with a board-certified doctor through MDLIVE when, where, and how it works best for you—via video or phone. It’s like a doctor’s visit, but you never have to leave your house.
Save with in-network care
Choose providers in your plan’s network to take advantage of negotiated rates and help keep your costs down.
Find in-network providers