Medical
You have four medical plans to choose from with Cigna—all PPO 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. These plans also pay 100% of the cost of in-network preventive care.
You’ll want to review your 2026 medical plans summary for details on the services and coverage each plan offers. But before you get too far into it, consider the following highlights.
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Medical
Cigna is the medical carrier. You should check to be sure your 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.
Four medical plans are offered. They are:
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
Core HRA and Traditional PPO Plans:
Telemedicine through MDLive is covered at 100%.
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 $’s 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.
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:
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
The four plans are the same in many ways. Every option:
Has three member ID cards for Cigna medical, Evernorth Express Scripts prescription drug coverage and Lantern Health Center of Excellence program.
Is a PPO (Preferred Provider Organization) plan. 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.
Puts you in charge of your care. You don’t need referrals to see specialists—you decide which provider to use each time you need care.
Pays 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.
Has an out-of-pocket maximum to protect you from high-cost claims.
Includes prescription drug benefits.
Has no lifetime limits on benefits.
SPENDING ACCOUNTS (FOR ANYONE ELECTING 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) that is 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. Here’s how it works and its benefits:
To open an HSA, you must be enrolled in the HSA Base or HSA Buy-Up Plan. You can’t have other health coverage that is not considered a qualified high deductible health plan, and you can’t be claimed as a dependent on someone else’s tax return.
You can contribute a set amount of money each year to your HSA, and the contributions are tax-deductible. For 2026, the contribution limits are $4,400 for individual and $8,750 for families. There’s an additional $1,000 catch-up contribution if you are 55 or older.
Triple tax advantages:
Contributions you make are deducted pre-tax, reducing your overall tax burden.
The earnings on your money in your HSA grows tax-free.
Withdrawals used for qualified medical expenses are tax-free.
Funds from an HSA can be used to pay for a wide range of medical expenses, including doctor visits, prescription medications and certain over-the-counter items. However, using funds for non-qualified expenses will incur taxes and penalties.
The HSA is owned by you, not DICK’S, so it stays with you even if you change jobs or health plans.
Unused funds in your HSA rollover from year to year, so you don’t lose them if you don’t spend them within the year.
You can invest the funds in stocks, bonds or mutual funds once your balance exceeds $1,000, potentially growing your savings even more.
After age 65, you can use HSA funds for non-medical expenses without penalties (though you will pay regular income tax on those withdrawals).
It’s important to keep your receipts and records of medical expenses to ensure withdrawals are used for qualified medical expenses.
HRA-eligible expense types
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.
The Health Care Flexible Spending Account (HFSA) and Dependent Daycare Flexible Spending Account (DFSA) are also offered.
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Find a Provider
The relationship between you and your provider is an important one. You will want to select someone you feel comfortable discussing your health care with, who has expertise in your area of need, and is “in-network” with your health plan. The Cigna Open Access Plus (OAP) network online provider directory will help you narrow your search.
For additional assistance, you may contact Cigna representatives at the dedicated line at 1-877-999-4374 (4DSG).
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Preventive Care
As long as you use in-network labs and doctors, and as long as the service is coded by the doctor as 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 DSG’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.
If you are enrolled in a Cigna medical plan, you have additional programs available to you at no cost. These programs are safe and convenient and include equipment and supplies. Below is a list of all programs available to you through your medical coverage. Click here for additional information about these programs.
Programs included with all medical plans for 2026
- Ayble: virtual digestive health support
- Hello Heart: digital cardiovascular and hypertension health program
- Hinge Health: digital physical therapy and musculoskeletal program, with new Pelvic Health programs
- Lantern: a Center of Excellence program that provides specialized care for surgeries, infusion therapy and cancer care
- Midi Health: women’s virtual menopause care
- Oshi Health: virtual care for GI symptoms and conditions
- Pelago Health: a virtual clinic that offers personalized substance use care for members wanting to cut back, stop or otherwise manage substance use
- Progyny: inclusive infertility management and cryopreservation programs
- Confide: mental/behavioral health programs + Employee and Family Assistance Program (EFAP) for all teammates and household members
- MDLive: virtual telemedicine for primary care, non-acute care, specialist visits, and mental/behavioral health
- One Guide and Care Navigation Services: 24/7/365 access to a live person to assist you when you need it
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Your Prescription Drug 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
Your prescription when you fill it at one of the thousands of pharmacies in the Evernorth Express Scripts network will pay according to 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.
Evernorth Express Scripts ID Card
You'll need to use your Cigna member ID card for prescription drugs.
Accredo
Accredo is the Evernorth Express Scripts Specialty Pharmacy and is your source for specialty prescription drugs. Please be sure to let your doctor know that, in order 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. Accredo is for specialty medications only.
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
A prior authorization will be needed if you are 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.
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Having a Baby?
If you are currently enrolled as an individual on the medical plan when your baby arrives, you will be subject to the family deductible for the remainder of the year if adding the baby to your medical plan. This is something to plan for when welcoming your new arrival.
You, your spouse or your domestic partner enrolled in the Company medical plan are eligible for telephonic education and support programs during your pregnancy. There is no cost to you, and all calls are strictly confidential, available 24 hours a day.
Just contact your carrier, and a maternity nurse specialist will get you started right away. Throughout your pregnancy, the specialist will work with you to help make your pregnancy go smoother and assist you in having a healthy baby. Here are a few services you can expect:
Detailed health and lifestyle assessment
Facts about pregnancy and birth
Personalized counseling
Individualized educational materials
Help in choosing a doctor, midwife or pediatric caregiver, if necessary