Open Access

Specialist care without a referral

Open Access plans give members referral-free access to our network of credentialed specialists. Members are encouraged to choose a primary care physician (PCP) as a valuable resource and personal health advocate, but a PCP is not required.

• HMO Open Access/Network Open Access—Members can visit in-network specialists without a referral. There is no out-of-network coverage, except in an emergency or urgent care situation. You're responsible for obtaining precertification for all in-network services that require it.
  
  
• Point-of-Service Open Access—Members can visit in-network or out-of-network specialists without a referral. You're responsible for obtaining precertification for all in-network services that require it.

In addition to their Open Access Plus plan, members may also have a CIGNA Choice Fund®—an employer- or employee-funded account that can be used to pay for qualified health care expenses.

Open Access plan members may be responsible for:

• deductibles for inpatient and outpatient facility charges
• coinsurance and/or deductibles for facility charges
• coinsurance and/or deductibles for facility and physician charges

These payment responsibilities are listed on the member's ID card. You should not contact the member for payment unless the Explanation of Payment (EOP) indicates a member responsibility.

Please contact us for more information about CIGNA HealthCare Open Access plans, or about how to become a CIGNA HealthCare provider.