You want to protect yourself, and your family. You know the right health insurance plan can do that. But choosing a plan can be difficult.
Cigna offers three types of health plans to meet your needs and your budget. What’s right for you? Talk to a Cigna licensed insurance agent to help you choose.
They will ask questions like these:
- How often do you see a doctor every year for things like flu, sore throats, or a sprained ankle?
- Is anyone in your family an athlete and prone to injuries?
- Does anyone have a chronic health problem?
- Is anyone having surgery during the next year?
There are no “right” or “wrong” answers. These questions help point you to the health insurance plan that’s best for you and your family.
Open Access Plans
Cigna’s Open Access plans are especially good for families with lots of medical expenses. You can apply your out-of-pocket expenses toward a low deductible.
If your kids are young, and see doctors often for sore throats, sports injuries and other symptoms, the plan provides low copays for those visits. If you are single, and have a chronic health problem, these plans are also a good choice.
With Open Access plans, a low pharmacy deductible for brand-name drugs is another plus. Review the plan's drug list to make sure it's on the list.
Open Access Value Plans
If you're healthy and have few medical expenses, these plans are a great option. If all your family needs are annual checkups and health screenings (mammograms, colonoscopy, etc.), you’ll have a low monthly premium and 100% coverage on preventive services—which helps you save money and stay healthy.
Health Savings Plans
These plans appeal to people who are healthy—and rarely have doctor visits or need hospital care. The plans have a high deductible, but offer great savings and tax benefits.
Health Savings Plans help people avoid financial risk of catastrophic events, but provide coverage for routine health screenings and preventive care. With these plans, you put pre-tax money into a bank or investment Health Savings Account where it keeps growing tax-sheltered. If you don’t use the money, you can roll it over to the next year—or keep saving for retirement.
You want to get the best coverage—and the best investment. We recommend that you talk to an accountant before signing up for an HSA plan. But for the right individual or family, HSA plans can be a good choice.
With all of Cigna’s plans: When you need a doctor, you have access to Cigna's seamless nationwide network. They operate like a PPO plan; no referrals are required. You can see any doctor in any state, including specialists. If you're traveling, just look for a doctor in your immediate area.
Also, if you’re enrolled in a Cigna medical plan, you can add affordable dental coverage for fillings, root canals, crowns, etc. What’s more convenient than that?
Find a plan that fits your life
Need help with your decision? Take a look at our current plans or talk to a Cigna licensed insurance agent. Call Cigna at , 8:00 am to 10:00 pm (ET), Monday through Friday.
When it comes time to pick a plan for 2014 health care reform, come back to Cigna.com in October to review our new plans or give us a call. We can help you with that, too.
Cigna also has Spanish-speaking counselors and counselors who can work with your interpreter. We want to answer all your questions—so you get the insurance coverage you need.