Medical
DICK’S offers four PPO medical plans with Cigna. Here you will find highlights and key considerations. For detailed information about services and coverage, review the 2026 medical plans summary.
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MEDICAL OPTIONS
We offer four medical plans, including:
Traditional PPO (Preferred Provider Organization) Plan
Core HRA (Health Reimbursement Account) Plan
Buy-Up HSA (Health Savings Account) Plan
Base HSA (Health Savings Account) Plan
These plans have several things in common:
They are all PPO (Preferred Provider Organization) plans. That means their network of doctors, hospitals and other providers has agreed to provide care at reduced rates. You always pay less by using network providers.
You are in charge of your care. You don’t need referrals to see specialists—you decide which provider to use each time you need care.
They pay 100% of the cost of in-network preventive care, including annual physical checkups, women’s preventive health services, recommended screenings and immunizations based on your age and frequency recommendations.
They have an out-of-pocket maximum to protect you from high-cost claims.
Includes prescription drug benefits.
No lifetime limits on benefits.
You will receive three member ID cards for Cigna medical, Evernorth Express Scripts prescription drug coverage and Lantern Health Center of Excellence program.
Telemedicine through MDLive is covered at 100%.
Key differences:
Core HRA, Traditional PPO and Base HSA plans:
EMBEDDED DEDUCTIBLE: For plans with an embedded deductible, if you have an individual coverage tier, you pay coinsurance up to the individual out-of-pocket maximum once you satisfy the individual deductible. Once the individual out-of-pocket is reached, the plan pays at 100%.
For any tier other than individual (e.g., teammate & spouse, teammate & child(ren), or family), once you or a covered member of the family reaches the individual deductible, that individual will pay coinsurance until the individual out-of-pocket is met and then the plan pays at 100% for that individual.
The remaining covered family members as a whole, or one covered family member, could satisfy the remainder of the family deductible. Once the family deductible is met, coinsurance will apply up to the family out-of-pocket maximum before the plan pays at 100%. For example, if you go into the hospital on day one and have a large hospital bill, you could satisfy the individual deductible and then pay coinsurance up to the individual out-of-pocket maximum. The remainder of the family would then have to satisfy the rest of the family deductible (it could be one covered family member or more than one covered family member that satisfies the remaining family deductible).
Once the entire family deductible is met by a combination of covered family members, you would be responsible for coinsurance until the family out-of-pocket is met.
HSA Buy-Up HSA Plan:
NON-EMBEDDED DEDUCTIBLE: For plans with a non-embedded deductible, if you have an individual coverage tier, once you satisfy the individual deductible then you pay coinsurance up to the individual out-of-pocket maximum. Once the individual out-of-pocket is reached, the plan pays at 100%.
For any tier other than individual (e.g., teammate & spouse, teammate & child(ren), or family), you and/or anyone in your family can satisfy the family deductible. For example, if you go into the hospital on day one and have a large hospital bill, you alone could satisfy the family deductible for the annual period. Once the family deductible is met by you and/or a combination of covered family members, then you would be responsible for coinsurance until the family out-of-pocket is met.
Core HRA Plan:
The HRA can be used on all eligible out-of-pocket medical, prescription drug, dental and vision expenses.
Base and buy-up HSA plans:
Each HSA account will receive a contribution from DSG, depending on the plan and tier of coverage elected.
Unlike an HRA, which is “employer-owned,” the HSA funds are “teammate-owned.”
The HSA accounts have pre-tax advantages and can be invested, like a 401(k), after achieving a balance of $1,000.
Prescription Coverage
If you enroll in any of our medical plans, Evernorth Express Scripts will provide your prescription drug benefits. Evernorth Express Scripts will make sure you are getting the most effective and safe medications for your condition. They’ll contact you or your doctor if they see something that requires attention.
Consider the differences between the current plans. Here are some claim examples for each plan offering:
Providers
Cigna is a medical carrier with a network of providers. When considering which medical plan is the best fit, be sure to check that your preferred providers are in the Cigna Open Access Plus (OAP) network. The relationship between you and your provider is an important one. You will want to select someone you feel comfortable discussing your health with, who has expertise in your area of need and is in-network with Cigna. Providers participating in the Cigna OAP network can be found in the Cigna Health Care Provider Directory.
Spending Accounts
When you elect for medical benefits, DICK’S Sporting Goods will contribute the following into the Health Savings Accounts (HSAs) and Health Reimbursement Account (HRA) in 2026:
HSA associated with the HSA Base Plan: $250 Individual/$500 Family
HSA associated with the HSA Buy-Up Plan: $500 Individual/$1,000 Family
HRA associated with the HRA Plan: $500 Individual/$1,000 Family
What is a Health Savings Account (HSA) associated with HSA Base and HSA Buy-Up Plans?
Two of the medical plan offerings allow for an HSA. An HSA is a tax-advantaged savings account designed to help individuals save money for medical expenses.
If you enroll in the HRA plan, you will be able to use and direct your HRA funds for office visit copays, prescription drug copays, deductible expenses, coinsurance, and dental and vision expenses. You will determine how you want to use your HRA dollars. We also offer Health Care Flexible Spending Account (HFSA) and Dependent Daycare Flexible Spending Account (DFSA).
Questions
If you have any questions about the medical coverage or plans, you may contact Cigna representatives at our Cigna dedicated line at 1-877-999-4374 (4DSG). They are available 24/7/365. Some (but not all) of the questions that they are able to assist with include:
Providers participating in the Cigna OAP network
Procedures that may incur
Planned/unplanned hospital stays
Medical claim issues/concerns
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Preventive Care
When you use in-network labs and doctors for routine preventive care, your preventive care and biometric screenings cost you nothing!
Here's what is covered:
Office visit for preventive care (not to diagnose an illness)
Lipid panel
Fasting blood glucose
Influenza vaccine
Any services not listed above may be subject to the deductible. Ask questions when your doctor prescribes a test. Ask if it's necessary. Ask what it costs. Call your insurance carrier before scheduling the test so that you are aware of any out-of-pocket costs.
To access the Cigna preventive schedule link click here.
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Supplemental Health and Wellbeing Programs
Supplemental Health - Accident, Critical Illness and Hospital Indemnity
You are eligible to enroll in Accident, Critical Illness and Hospital Care/Indemnity insurance benefits. These benefits are independent of medical insurance, so you can elect to have them with or without DICK’S medical coverage. If an accident occurs, you are diagnosed with a critical illness, or you are building a family, Supplemental Health insurance can be used toward medical bills, rent/mortgage payments, groceries or anything else. Supplemental Health insurance is excellent to have with the Core HRA Plan, Base HSA Plan or Buy-Up HSA Plan, which have higher deductibles than the Traditional PPO Plan.
For instructions on how to file an Accident, Critical Illness and Hospital Indemnity Claim, click here.
Additional Programs
If you are enrolled in a Cigna medical plan, you have additional programs available to you. These programs are safe and convenient and include equipment and supplies. Click here for additional information about these programs.
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Your Prescription Benefits
If you enroll in any of our medical plans, Evernorth Express Scripts will provide your prescription drug benefits.
Evernorth Express Scripts will make sure you’re getting the most effective and safe medications for your condition. They’ll contact you or your doctor if they see something that requires attention.
Here are some key features of your pharmacy benefits:
Pharmacy Network
When you fill your prescription at one of the thousands of pharmacies in the Evernorth Express Scripts network, your shared cost will depend on the plan you’re enrolled in. Keep in mind, there is no coverage if you use an out-of-network pharmacy. To make sure your local pharmacy is part of the Evernorth Express Scripts network, visit Evernorth Express Scripts.
Generics
You always save more by asking your doctor to prescribe generic drugs. If no generic is available, ask your doctor to prescribe a brand-name drug on the formulary. To see if your medication is on the Evernorth Express Scripts formulary, visit Evernorth Express Scripts.
90-day maintenance
You will need a 90-day prescription for maintenance medications. Your medication can be filled through mail order, or CVS or Walgreens pharmacies. For a three-month supply, you only pay two copays.
Accredo
Accredo is the Evernorth Express Scripts Specialty Pharmacy and is your source for specialty prescription drugs. Be sure to let your doctor know that to receive your specialty medication, you must order through Accredo. If you have any questions, you can call Accredo toll free at 1-800-803-2523. Trained pharmacists and nurses are available 24/7 for any questions about your therapy.
Drug Quantity Management Program
This prescription drug program is designed to make sure the quantity of prescription drugs you receive is considered safe. If you are prescribed a prescription drug that’s covered by this program, you will receive only the amount needed to last you a certain number of days. For instance, you would receive only 30 pills in one month for a medication that’s prescribed to be taken once a day.
Prior Authorization Program
You need a prior authorization if prescribed a new medicine that is not on your formulary. To find out if your medicine requires a prior authorization, log in to express-scripts.com. Select “Price a Medication” from the drop-down menu under “Manage Prescriptions.” After you look up a medicine’s name, click “View coverage notes” or call the number on your member ID card. Your doctor can initiate a request for a prior authorization by calling Evernorth Express Scripts.
Step Therapy Program
This program is designed for people who regularly take prescription drugs to treat ongoing medical conditions such as arthritis, asthma or high blood pressure. Step one medications are generic drugs that provide the same health benefits as higher-cost step two brand drugs. If a step one drug does not work for you, your doctor can request a prior authorization for a step two brand drug to determine if that will be covered by your plan. For more information on step therapy in your benefit plan, visit express-scripts.com or call the number on your member ID card.