POS

One plan, more options

Point of service (POS) plans are physician-coordinated plans that give members the opportunity to access care from out-of-network providers. At enrollment, members select a primary care physician (PCP) from our broad network of participating physicians. Members can change their PCP at any time. PCPs are responsible for:

• providing routine care;
• referring their patients to in-network or out-of-network specialty care providers;
• obtaining precertification for all in-network services that require it; and
• filing member claims for in-network care.

POS 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.

We also offer a POS Open Access plan, which allows plan members to visit in-network specialists without a referral.

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