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Your needs are unique to you, so Citi provides you with different medical options from which to choose. Each plan offers comprehensive benefits to help you and your family stay healthy throughout the year.

Important Update About COVID-19 Related Benefits

The COVID-19 public health emergency and national emergency ended on May 11, 2023. This means some of the benefits put in place to respond to the public health emergency were discontinued. Some of the changes that impact your health coverage include:

COVID-19 diagnostic testing: Your Citi medical plan no longer covers the full cost of COVID-19 diagnostic testing. You will pay the full retail price for over-the-counter test kits. Lab testing for COVID-19 is covered by your medical plan subject to standard deductible and coinsurance or copay, as applicable. You may use your Health Savings Account or Health Care Spending Account to cover the cost of test kits or lab testing.
COVID-19 vaccinations continue to be covered at 100% in-network as required.

Depending on your location, you may be able to choose from the following medical options:

In-network Only Plan

Offers coverage from a select network of doctors and hospitals in certain locations that deliver high-quality care at lower costs, and is priced in between the other plans.

Offers coverage with higher paycheck deductions, a lower deductible and the flexibility to choose any doctor or hospital when you need care, though you’ll pay less when you stay in-network.

High Deductible Plan with HSA

Offers coverage with the lowest paycheck deductions, highest deductible and access to a Health Savings Account (HSA) that Citi contributes to, giving you long-term saving and investment opportunities.

Health Maintenance Organizations (HMOs)

Available to employees in specific locations, offers coverage only when using in-network providers.

In-network Only Plan

With the In-network Only Plan, administered by Aetna and Anthem, you’re covered only when you receive care from a smaller network of doctors and hospitals who consistently deliver high-quality care at lower costs. These smaller networks — the Aetna Premier Care Plus Network (APCN+) and Anthem’s National Blue High Performance Network (Blue HPN Non-Tiered) — are subsets of the broader Aetna and Anthem networks available through the Choice Plan and the High Deductible Plan with HSA.

You pay a flat copay for most health care, which keeps your costs more predictable. There’s a deductible to meet for some services, like when you need care at a hospital, but it’s lower than in Citi’s other plans. The deductible doesn’t apply to most care received outside a hospital, including doctor’s office visits, urgent care, physical therapy and much more.

How to Check the Networks

To check the Aetna network, log in to your Aetna account if you are already an Aetna member enrolled in the In-network Only Plan. Or, use the customized doc finder tool:

Enter your home ZIP code in the Provider Search box, then click “Start Your Search.” This automatically brings you to the APCN+ network directory.
Enter your ZIP code again under "Continue as a guest" to search for in-network doctors.

To check the Anthem network, log in to your Anthem account if you are already an Anthem member enrolled in the In-network Only Plan. Or, use the Provider Directory Search tool:

Select the blue button titled: Network: National Blue High Performance Network (BlueHPN Non-Tiered).
Follow the prompts to conduct your search.

You can also learn more about this Anthem network by watching a video, taking an interactive quiz and reading information online.

For personalized assistance, call your Citi Health Concierge:

Or, call your doctor’s office to ask if they are in-network with your plan.