Medical Coverage

Comprehensive medical coverage is an important part of supporting healthy living. BorgWarner offers two medical plan options, both of which provide free preventive care to prevent healthcare problems before they arise, an employer-paid Health Reimbursement Account (HRA) to help you cover the costs when you are ill, and comprehensive medical coverage to protect you from any catastrophic financial effects of a serious illness or injury. Both the Basic and Buy-Up Plans include prescription drug coverage.

The deadline to obtain at least 5+ wellness points for the best premium discount for 2024, and to complete all spousal requirements to get the monthly surcharge waived for 2024 is September 30, 2023.

You can now email your wellness screening form to Cigna! Your completed form can be sent to [email protected].

The Basic Plan   

This plan tends to appeal to someone who doesn’t want to pay upfront for healthcare they are not sure they’ll use. 
It offers:

  • Lower payroll deductions but a higher member deductible gap
  • Higher coinsurance

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Basic Plan

The Buy-Up Plan   

This plan tends to appeal to someone who is  willing to pay more upfront so they have the  security of more coverage at the time of service. 
It offers:

  • Higher payroll deductions but a lower member deductible gap (due to higher HRA credits)
  • Lower coinsurance

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Buy-Up Plan

myCigna App Upgrade with Cigna One Guide® Service

In addition to the regular services offered through the app (such as finding network doctors, getting cost estimates for care, comparing prescription prices, managing and tracking claims and accessing your ID card), you can gain a new level of support through the One Guide® service. It allows you to build your custom health team by creating a personal list of in-network doctors, dentists and facilities you use. And you can sign up for messages that can guide you to savings, incentives, coaching and more.

Go to

Comparing the Plan Features At-a-Glance

Click here to read PDF

Having Trouble Choosing a Medical Plan? 

Click the link for Cigna’s plan selector tool below to:

  • Estimate how much health care you will use, such as doctor visits, medications and specialty care. 
  • Calculate the approximate cost of care. 
  • Compare medical plans based on anticipated out-of-pocket costs, payroll deduction and employer contributions.

Cigna Easy Choice Tool

If logging in for the first time, use this information: 
All BorgWarner Employees: M2FJLXM6  


Medical Plan

Medical Plan

A Closer Look at How the Medical Plans Work

  • Post-HRA Out-of-Pocket Maximum 
    Once you reach this "safety-net" limit, you stop paying coinsurance and the Plan pays 100% of eligible expenses for the rest of the year.
  • Medical Plan Coinsurance 
    After you meet your member deductible gap, you and the Plan share the cost of covered services called "coinsurance."
  • Member Deductible Gap 
    This is your portion of the plan deductible. You pay 100% of costs out-of-pocket until this amount is reached.
  • Health Reimbursement Account (HRA) 
    A special account funded by BorgWarner that serves as the first source of  payment for medical expenses . It is designed to offset your Member Deductible Gap. (For new employees, this amount is pro-rated monthly  based on your hire date). Unused HRA funds can carry over for use in the  next plan year.

100% Paid Preventive Care

Both plans provide in-network preventive services at no cost to members.

100% Preventive Care Coverage

Many potentially serious health problems are silent—such as heart disease, diabetes and breast cancer—but commonly preventable. The key is making sure you receive your recommended preventive care. The following are just some of the preventive services covered at 100% by the medical plan. For a complete list, please visit

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Preventive Care Coverage

Don't Be Wrongly Billed for Preventive Care

For your medical plan to cover 100% of the cost of your preventive care service, your physician must be sure to "code" the service as "preventive". If submitted as a "diagnostic procedure" or "treatment" visit, the service won't be considered preventive - meaning your standard deductibles and coinsurance will apply. Be sure to remind your provider to code the service as "preventive".

Care Management  

Cigna Care Management is designed to make sure you receive the services that are most appropriate for you. By using nurse case  managers to coordinate your care and checking in advance if a service is covered (called precertification), Cigna can help you lower costs, avoid unnecessary procedures and support during your recovery after a procedure. To learn more about Cigna Care Management and how it can help you and your family members, please contact your Health Advocate at 1-800-237-2904.

Cigna Telehealth

Cigna Telehealth Connection: When You Can’t Get to Your Doctor  

If you have a minor, non-life threatening medical condition and need care, you can connect with a board-certified doctor on your computer through  a video stream (e.g., Facetime or Skype) or over the phone, without leaving your home or office. Offered through the national telehealth provider MDLIVE, you can receive confidential personal care at a lower cost than visiting your primary care physician's office. 

Pre-register Today! 
MDLIVE | | +1 888-726-3171

Virtual Mental Health Services with Ginger  

If you need behavioral health services, Ginger offers integrated a virtual mental healthcare system where coaches, therapists, and psychiatrists work as a team that's accessible from your smartphone. Ginger offers confidential mental healthcare through behavioral health coaching via text-based chats, self-guided learning activities and content, and, if needed, video-based therapy and psychiatry.

Ginger - Cigna’s Smartphone Tool for Mental Healthcare Support

Prescription Drug Coverage

Learn more about prescription drug coverage and how to refill your prescriptions.

Prescription Drug Coverage

Prescription Drug Coverage

Airrosti - Musculoskeletal and Joint Conditions Treatment Program

Airrosti provides highly effective personalized care for acute and chronic joint/muscle pain. Airrosti providers help diagnose and treat most common musculoskeletal and joint conditions, including pain in the neck, back, shoulders, hips, elbows, knees, and feet.

Learn more

Airrotsi diagram


How to get started

Sign up at

and take a one-minute heath test. If you meet Omada’s risk criteria for the program, you are immediately notified and can enroll on the spot. 

Omada - Diabetes Prevention Program

We offer a breakthrough online program that inspires healthy habits. This comprehensive 16-week program is available to employees and their covered spouses and dependents over the age of 18. It is designed to help individuals lose weight, which can help reduce the risk factors for type 2 diabetes and other chronic diseases. Participants enrolled in a BorgWarner medical plan that are at risk for developing diabetes are eligible to enroll at no cost- that’s a $600 savings!

How It Works for Qualified Participants

Summary of Benefits of Coverage (SBC)

Benefit Summaries and Summary Plan Descriptions (SPDs)

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