Medical
Cigna is our medical coverage provider. You have the option to enroll in our High Deductible Health Plan (HDHP). The plan offers full coverage for in-network preventive care. The HDHP offers the flexibility to see any provider, but you will pay less out of pocket when you use Cigna network providers.
ZARA remains committed to providing comprehensive benefits while keeping your cost affordable and competitive. We are pleased to announce that our Medical and Dental coverage will remain with Cigna for the upcoming plan year.
Please review the following pages carefully as you make your elections for the upcoming plan year.
New for 2025! We’re pleased to share that beginning on October 1st, our medical plan’s deductible and out-of-pocket maximum will transition from a calendar year basis to a plan year basis. This means that your deductible and out-of-pocket maximum will reset on October 1, 2025 and on October 1st of each year moving forward. This change is a direct result of employee feedback. We believe that this update will simplify how you manage your healthcare expenses and help you make the most of your coverage throughout the year.
HDHP / HSA Plan
Under this plan option, you pay the full cost of your medical services – including prescription drugs – until you reach your annual deductible. Once you meet the plan’s deductible, you are responsible for 30% of medical expenses, and you will pay a copay for prescriptions.
If you enroll in our HDHP you also have the option to open a Health Savings Account (HSA). The Health Savings Account is only available to employees who enroll in our Cigna HDHP plan.
If you enroll in our HDHP plan with an HSA, you may elect to have pre-tax contributions deducted from your pay on on a per payroll basis, 24 times per plan year. Additionally, Zara will be offering an employer contribution for those who are enrolled in the HDHP in conjunction with an HSA! Please review the Health Savings Account section for additional information.
Please note, you may enroll in the HDHP Plan with or without an HSA option.
Log in to www.MyCigna.com
We encourage you to register for a myCigna account at www.MyCigna.com to view your personalize dashboard, electronic ID card information and search for providers and costs.
High Deductible Health Plan (HDHP)
This medical plan is designed to offer “minimum essential coverage” in order to help employees meet the requirements under Health Care Reform. Keep in mind that there are increased out-of-pocket costs should you require certain types of health care (with the exception of preventive health care which is covered at 100% and no deductible). Consider your health coverage needs carefully.
How the HDHP Works
- You pay the negotiated contract rate for services until you reach your deductible ($4,000 for an individual, $8,000 for family), and then, the plan takes over at 70% coverage in-network until you reach the plan’s annual out-of-pocket maximum.
- You do not pay anything at the time of the visit. There are no copays in this plan. Your Explanation of Benefits (EOB) posted on the Cigna website will show you the amount you owe.
- The negotiated contract rate for services is the negotiated rate between Cigna and your provider. This rate is usually lower than the provider’s normal cost for services.
- The Cigna HDHP covers preventive screenings and routine annual physicals at 100%. The deductible does not apply for this important health benefit.
- Eligible prescription drug expenses are subject to the Deductible. This means that you are responsible for the full negotiated contract cost of your medications until you reach your single or family Deductible. Once the single or family Deductible is met, your drugs are covered with a copay.
NOTE: Our HDHP Plan is compatible with a Health Savings Account (HSA). HSAs allow members to set aside pre-tax money to pay for future Healthcare expenses. Per IRS regulations individuals may not have both an FSA (Medical Expense Reimbursement Account) and a Health Savings Account.
HDHP Participants
If you have a balance in a healthcare FSA on October 1, including pending claims that have not been cleared your account by September 30, you cannot begin your own HSA contributions or receive any employer contributions until January 1, 2026. This is a legal requirement under HSA regulations. Be sure to check your FSA balance and submit your claims for reimbursement before the end of the calendar year, if you plan on electing a Cigna high deductible health plan and would like to contribute to a health savings account in the new plan year.
Health Savings Account (HSA)
A Health Savings Account (HSA) is a tax favored account to which individuals and employers may make contributions. Earnings on contributions accumulate tax-free, and HSA funds are not taxed when used to pay for qualified medical expenses.
If you elect the HDHP Plan with HSA in ADP, an HSA will be established for you at HSA Bank. For 2025, the IRS maximum annual contributions to an HSA are: $4,300 for single coverage and $8,550 for family coverage. For 2026, the IRS maximum annual contributions to an HSA are: $4,400 for single coverage and $8,750 for family coverage. A catch-up contribution (for ages 55 and older) of up to $1,000 is also permitted.
An eligible employee will receive the maximum employer contribution; $500 (single), $1,000 (family) as long as they are actively employed with Zara on both funding dates. Funding will be deposited into HSA accounts twice per year – as determined by the company. For new hires, Employer Funding will be pro-rated based on date of hire. The IRS Maximum Contribution includes both employee and employer contributions.
There are specific rules about who is eligible to contribute to an HSA; how much may be contributed to an HSA; and which medical expenses are reimbursable by the HSA. A failure to comply with such requirements could result in the loss of the tax-favored treatment and potentially in excise taxes.
If you have questions, please review the Health Savings Account (HSA) F.A.Q. below or contact the Zara Benefits Team at benefits@us.inditex.com or the benefitshelpdesk@epicbrokers.com. You may also call the Benefits Help Desk at 1-877-373-6535 8am-8pm EST, Monday through Friday.
Health Savings Account (HSA) F.A.Q.
Q. WHAT IS A HEALTH SAVINGS ACCOUNT (HSA)?
A. An HSA is a tax-exempt trust or custodial account that you establish to pay or reimburse eligible health expenses for you and/or your tax dependents. You must be an eligible individual to establish an HSA. Available funds may be accessed as soon as there is money in your account, or they may be invested for future growth. You own the HSA, so it stays with you if you leave the company or leave the work force. Unused funds will remain in your account from year to year. There is no use-it-or-lose-it rule with an HSA.
Q. WHO QUALIFIES AS AN ELIGIBLE INDIVIDUAL TO ESTABLISH AND CONTRIBUTE TO AN HSA?
A. An eligible individual must: 1) Be enrolled in our HDHP Plan; 2) Not have any other health coverage that is not a compliant HDHP or that is not permitted under law (ex. traditional-type medical coverage or Health Care FSA coverage through a spouse; 3) Not be enrolled in any part of Medicare; and 4) Have a valid U.S. address and, if a visa holder, be a properly registered as a resident alien. Please Note: Neither the eligible individual nor his/her lawful spouse, if applicable, may contribute to an HSA if either is covered by a Standard Health Care FSA. Prior to establishing the HSA, HSA Bank will verify your name, social security number and date of birth in compliance with Section 326 of the USA Patriot Act.
Q. WHAT ARE THE TAX BENEFITS OF AN HSA?
A. You can claim a federal tax deduction for contributions that you make to your HSA. Accrued interest, capital gains or other earnings on the assets in your HSA are not taxed. Distributions from your HSA are not taxed if you use the funds for eligible health expenses. If you receive distributions for other reasons, the amount that you withdraw will be subject to ordinary income taxes and a 20% penalty (20% penalty is waived for account holders age 65 or older). You may avoid owing income tax and penalties if you deposit the equivalent amount of the distributions back into your HSA by the due date of your tax returns, including extensions, for the tax year in which the distributions were made. Currently, Alabama, California and New Jersey subject HSA contributions to state income taxes. Please note that state law is subject to change at any time.
Q. WHO IS RESPONSIBLE FOR ENSURING THAT MY HSA CONTRIBUTIONS DO NOT EXCEED IRS LIMITS?
A. You are responsible for ensuring that your contributions do not exceed IRS limits.
Q. WHAT HAPPENS IF I AM NOT COVERED BY AN HDHP FOR THE ENTIRE CALENDAR YEAR?
A. Under the “full contribution rule” (or “last month rule”), individuals may make a full year’s contribution based on the HDHP coverage in effect on December 1st so long as the individual remains eligible to contribute to an HSA for a thirteen-month “testing period” that starts on December 1st and runs until the following December 31st. For example, an individual who enrolls in HDHP coverage in July 2025 would be able to contribute only 6/12 of the 2025 annual contribution limit under the standard rules; however, using the full contribution rule, the employee could make the full 2024 annual contribution so long as the individual remains eligible to contribute to an HSA from December 1st, 2025, through December 31st, 2026. If an individual takes advantage of the full contribution rule and fails to remain an eligible individual for the entire testing period (e.g., drops HDHP coverage in June 2026), then the difference between what that person would have been allowed to contribute without the last month rule and the amount actually contributed would be includable in gross income in the year the individual first failed to remain an eligible individual during the testing period, and such amounts would also be subject to a 10% penalty tax.
Q. WHAT HEALTH EXPENSES CAN I PAY FOR USING MY AVAILABLE HSA FUNDS?
A. An eligible expense is defined as those health expenses described in Section 213 (d) of the Internal Revenue Code. For example, medical, prescription, dental or vision expenses that you incur while you satisfy deductibles and/or coinsurance are qualified expenses. Available funds can also be used to pay COBRA premiums, original Medicare premiums for seniors and Long-Term Care insurance premiums. You may not use your available HSA funds to pay your health insurance premium costs.
You can find detailed information about eligible health care expenses in IRS Publication 502 on the IRS website at www.irs.gov/publications/p502.index.html.
Q. CAN SOMEONE WHO IS ENROLLED IN MEDICARE PART A AND/OR PART B CONTRIBUTE TO AN HSA?
A. No. Once an individual enrolls in Medicare, they are no longer eligible to contribute, and they must pro-rate their annual contribution for the tax year in which they enroll in Medicare. However, an individual who is Medicare eligible but not enrolled may contribute to an HSA.
Q. IS THE HSA PART OF MY HEALTH INSURANCE PLAN?
A. No, while the HSA may work in conjunction with the HDHP, it is a separate product and is not an insurance policy.
Prescription Drug Benefits
Prescription Drug List
The Cigna Prescription Drug List outlines the generic and brand medications your plan covers. You can view your plan’s drug list online at www.Cigna.com/PDL or on the myCigna App or website. You can also use the Price a Medication tool on the myCigna App or website to price your medication and check for lower-cost alternatives. Our health plan utilizes the Standard formulary.
Mail-Order Pharmacy Benefits
Enrollees have the opportunity to sign up for mail order pharmacy benefits through Cigna Home Delivery PharmacySM. If you’ve been prescribed a maintenance or long-term medication, you may want to sign up for this service and receive your prescriptions right to your door!
To get started with Home Delivery, first, set up your profile by calling Cigna Customer Service at 800-835-3784. Please be sure to have your Cigna ID number, shipping and billing information on hand when you call.
Once your profile is set up, you may ask your Doctor to send your prescription electronically to Cigna Home Delivery PharmacySM or ask Cigna Customer Service to contact your Doctor for your prescription orders. Be sure to have your Doctor’s contact information and medication name handy when you call. New orders may take 7-10 business days to process. Overnight delivery is available.
CIGNA 90 Now
The Cigna 90 Now program offers an alternative to using mail order for your maintenance medications. This program offers a retail pharmacy network that allows you to fill a 90 day prescription for maintenance medications. The participating pharmacies include CVS and Walmart. For a complete listing, see the Rx90 network on www.myCigna.com and www.cigna.com. You can still use CIGNA Home Delivery if you prefer to have medications delivered to your home.
Prior Authorization: If you are prescribed a medication that requires prior authorization, you should instruct your providers to contact Cigna to obtain the prior authorization. Once the prescription is approved, Cigna will contact your provider or pharmacist and let them know your prescription is ready to be filled.
Medical Plans Overview & Contributions
GREAT NEWS! There are no deductible, out-of-pocket maximum or copay changes to our medical plan for the 2025-2026 plan year!
| Medical Plan Highlights | In-Network | Out-of-Network | |||
| HSA Funding (Indiv. / Family) | $500 / $1,000 | ||||
| Plan Year Deductible (Indiv. / Family) | $4,000 / $8,000 | $5,000 / $10,000 | |||
| Coinsurance: Paid by Carrier | 70% | 50% | |||
| Primary Care Physician (PCP) / Specialist Copay | Ded + 30% | Ded + 50% | |||
| Plan Year Out-of-Pocket Max (Including Deductible) | $6,250 / $12,500 | $7,500 / $15,000 | |||
| Impatient Hospital | Ded + 30% | Ded + 50% | |||
| Outpatient Surgery | Ded + 30% | Ded + 50% | |||
| Emergency Room | Ded + 30% | Ded + 30% | |||
| Rx Deductible | Subject to Medical Deductible | ||||
| Rx Retail (30 Day Supply) | $20 / $40 / $70 | Ded + 20% | |||
| Rx Mail Order (90 Day Supply) Generic/Brand/Non Formulary | 2x Retail | Not Covered | |||
| Out-of-Network UCR Level* | N/A | 150% of Medicare | |||
| Dependent Age Limit | To Age 26 | ||||
| *Out-of-network benefits are subject to usual, customary and reasonable (UCR) allowances as determined by Cigna. Amounts in excess of usual, customary and reasonable allowances are the responsibility of the member. NOTE: This chart does not describe all covered services. Please review the plan summaries for complete coverage information. | |||||
Employee Medical Contributions (24 times per plan year)
Please review contributions carefully. Contribution changes will take effect on October 1, 2025.
| EMPLOYEE | EMPLOYER | |
| Employee | $17.99 | $266.39 |
| Employee + Child(ren) | $137.83 | $401.24 |
MDLive Virtual Visits (Medical and Behavioral Health)
If you have cold or flu symptoms, a sore throat, a sinus infection, allergy, rash or other minor illness, you can skip the doctor’s office and receive medical care from the comfort of your home through Cigna’s partnership with MDLIVE.
Virtual care options
Cigna partners with MDLIVE® for minor medical and behavioral health virtual care. This can be accessed via www.myCigna.com. This benefit allows you to consult with a doctor through video conference using your smartphone, tablet or computer. Board-certified doctors can diagnose your condition, recommend treatment and send a prescription directly to your pharmacy, if needed.
The cost for virtual visits through MDLive is subject to deductible and coinsurance for our HDHP/HSA plan.
Connect with virtual care your way.
- Talk to an MDLIVE medical provider on demand on www.myCigna.com
- Schedule an appointment with an MDLIVE provider or licensed therapist on www.myCigna.com
- Call MDLIVE 24/7 at 888-726-3171
Save Money on Health Care Expenses
No one wants to spend any more than necessary on health care. Here are some ways to be a smart health care consumer and save money.
Stay in your network. Seeing a doctor in your network will almost always cost you less. Use in-network convenience care clinics. For minor illnesses and injuries, convenience care clinics located in pharmacies, grocery stores, and other retail stores provide quick, affordable care.
Use the emergency room only for true emergencies. For non-life-threatening emergencies, visit an urgent care center instead of the emergency room. You’ll get treated more quickly and pay less.
Ask for generic drugs. You can save up to 80% compared to brand-name drugs.
Limit hospital visits. Many procedures like MRIs and colonoscopies cost less when done at independent outpatient centers instead of a hospital. Outpatient surgery is also less expensive than hospitalization.
Get regular preventive care. Getting checkups, immunizations and other health screenings can help detect health problems early when they are less expensive to treat.
Talking with Your Doctor About Health Care Costs
If you need help navigating your benefits, contact one of the below resources:
- Cigna Member Services: Call the number on the back of your ID card – 1-800-244-6224
- Health Advocate: 866-799-2731
- Benefits Help Desk: 1-877-373-6535 or benefitshelpdesk@epicbrokers.com
- ZARA Benefits Team: benefits@us.inditex.com
Remember: Certain services may require precertification or prior approval from the health plan provider to qualify services for payment. Typically, in-network providers will obtain the required precertification and approval. For out-of-network services, it is the member’s responsibility to handle the precertification process.
You may contact Cigna member services first to determine if precertification is necessary and if the provider is out-of-network.
Don’t be afraid to ask about the costs and benefits of different treatment options and make choices that are right for you.
When your doctor recommends tests – To make sure you don’t spend time and money on unnecessary tests, ask your doctor why the test is needed and where you can have it done at the lowest cost.
Estimate your costs – Utilize the resources on the Cigna member website or MyCigna App to get cost estimates before you get care.
If your doctor recommends surgery or hospitalization – Ask if there are other treatment options that don’t require surgery or if the procedure can be done on an outpatient basis. If you do need surgery, make sure the hospital, the surgeon and any other specialists your doctor refers you to are in the network.
When your doctor writes you a prescription – Ask if there are less expensive generic drugs or even over-the-counter medications that might work for you. Ask if you can improve your condition without drugs by changing your eating habits or getting more exercise.
Savings & Finance 
Voluntary Benefits