A Medical Plan that works harder for you
Cigna Healthcare® helps you manage your health – and your health care expenses – so you can make the most of your benefits.
Medical Reimbursement Account
When you enroll in the U.S. Medical Plan Option 1 or Option 2 through Cigna Healthcare®, you will automatically be set up with a Medical Reimbursement Account (MRA). JPMorganChase contributes money to your MRA when you, as the JPMorganChase employee, participate in certain wellness activities each year.
Earning all available Wellness Rewards in your MRA can really help offset the amount you pay out of pocket for medical and prescription expenses (deductibles, coinsurance and copayments).
Health Care Spending Account
A Health Care Spending Account (HCSA), also known as a Flexible Spending Account, allows you to allocate pretax1 money to help cover qualified out-of-pocket medical and prescription drug expenses after your MRA funds are used. It can also be used for qualified out-of-pocket dental and vision expenses.
A Dependent Care Spending Account
A Dependent Care Spending Account (DCSA) allows you to allocate pretax1 money to help pay for eligible dependent care services, such as preschool, summer day camp, before- or after-school programs, and child or adult day care.
More about your MRA
If you have any unused dollars in your MRA at the end of the year, they will carry over to the next year as long as you remain employed with JPMorganChase and are enrolled in the JPMC Medical Plan. The money in your MRA is tax-free.
If you have any questions regarding the MRA, HCSA and/or DCSA, call 800.790.3086 to speak with a Cigna One Guide® personal guide today.
Important note: During the annual benefits enrollment, you will be able to choose between the payment option of Automatic Claim Payment or a Debit Card to pay claims from your MRA and HCSA. When you choose Automatic Claim Payment, funds from your MRA and then HCSA (if you have one) are automatically used to pay your portion of medical care and prescription expenses until funds run out. Automatic verification takes place to confirm the expense is eligible. With the Debit Card, you have the flexibility to choose when you want to use your MRA and HCSA funds. If you enroll in the debit card option, you will be encouraged to keep your receipts in the event that you need to substantiate past payments. To learn more, go to My Health > 2025 Benefit Resources > MRA HCSA and Payment Options.
The debit card feature works best for people who want to be in complete control of the money in their accounts. The debit card option is also best if you receive assistance with the cost of your prescriptions by using a manufacturer discount card or participating through a government assistance program.
100% preventive care coverage
When you and your family use an in-network doctor, you don’t pay a thing out of pocket for eligible preventive care services or screenings.2 Having an annual preventive care check-up is one of the best ways to help you stay healthier overall.3
Your JPMC health plan through Cigna Healthcare will cover the following:
- Annual check-ups for adults and children
- Most immunizations
- Screenings that can help detect heart disease, cancer, diabetes and other illnesses
- Cancer screenings, such as mammograms and Pap tests
Transition of Care
A Transition of Care (TOC) program is available for customers receiving ongoing complex medical care (for certain medical and behavioral health conditions) who are newly transitioning to Cigna Healthcare.
TOC can include in-network reimbursement of doctors and facilities that are not in the network (for a limited time).
To make a TOC request you (and your treating provider) will need to complete a TOC form. For those transitioning to Cigna Healthcare effective January 1, call us in November or early December to discuss eligibility for the TOC process and to obtain necessary forms.
Wellness Rewards
Cigna Healthcare is the Wellness Program administrator for all JPMC employees and their covered spouses/domestic partners regardless of your health care company.
Think we’ll love your doctor as much as you do?
We’re always looking for quality providers to join our network. If you have a favorite doctor or provider, you can nominate them for our consideration. Get started today.
Nominate your doctor to join the Cigna Healthcare network
We will contact the provider regarding participation in our provider network. Please keep in mind the submission of this nomination form in no way guarantees he/she will be added to the network.* We will do our best to expand our provider network utilizing your suggestions as appropriate.
To check the status of your request, please call the customer service number on your ID card and the customer service representative can verify whether the provider has been added to the network.
Please note that Cigna has national agreements in place for certain services and therefore, we will not be able to recruit the following specialties: Laboratory Services, Home Health Services, Home Infusion Services, Durable Medical Equipment, Prosthetics and Orthotics, High Tech Radiology and Audiology.
* The following are a few examples of provider recruitment limitations:
- Providers must meet all credentialing and quality guidelines.
- Providers need to accept our standard fee schedule offered to other providers in the area
1Some cities and municipalities may impose income taxes on MRAs,FSAs or DCSAs. For detailed information, please contact your local department of taxation.
2Not all preventive care services are covered. For example, immunizations for travel are usually not covered. See your plan documents for a complete list of covered preventive care services.
3JPMC Medical Plan provides a free in-network annual check-up per calendar year. You do not need to wait until the anniversary of your last check-up before having another one.
© 2025 Cigna. All rights reserved
The information on this site is only a general description of benefits and not a contract. Refer to your employer’s plan documents for costs and complete details of coverage. If there are any differences between the information on this site and the plan documents, the terms of the plan documents will apply.
Medical Plan benefits are funded by your employer and administered by Cigna Health and Life Insurance Company. Cigna Dental Care (DHMO) Plans are insured by Cigna Dental Health Plan of Arizona, Inc., Cigna Dental Health of California, Inc., Cigna Dental Health of Colorado, Inc., Cigna Dental Health of Delaware, Inc., Cigna Dental Health of Florida, Inc., a Prepaid Limited Health Services Organization licensed under Chapter 636, Florida Statutes, Cigna Dental Health of Kansas, Inc. (KS & NE), Cigna Dental Health of Kentucky, Inc. (KY & IL), Cigna Dental Health of Maryland, Inc., Cigna Dental Health of Missouri, Inc., Cigna Dental Health of New Jersey, Inc., Cigna Dental Health of North Carolina, Inc., Cigna Dental Health of Ohio, Inc., Cigna Dental Health of Pennsylvania, Inc., Cigna Dental Health of Texas, Inc., and Cigna Dental Health of Virginia, Inc. In other states, Cigna Dental Care plans are insured by Cigna Health and Life Insurance Company (CHLIC) or Cigna HealthCare of Connecticut, Inc., and administered by Cigna Dental Health, Inc. Plans may not be available in all areas. All health benefit plans and dental insurance policies have exclusions and limitations. For costs and details of coverage, see your plan documents.
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