Compare Cigna's Health Care Reform Plans
Whether you visit the doctor’s office frequently, are planning a major surgery, or haven’t had a cold in years, Cigna has a health plan designed to meet your health insurance needs and your budget.
Let’s review the available Cigna health insurance plan choices: myCigna Health Savings Plan, myCigna Health Flex and myCigna Copay Assure.
myCigna Health Savings Plans
If plans that can offer tax advantages appeal to you, you might want to consider a myCigna Health Savings Plan. You put pre-tax money into a bank or investment Health Savings Account (HSA) and use that money to pay for medical expenses not covered by your insurance policy. With the combined benefit of reduced adjustable gross income and tax-deferred growth, HSAs can reduce your income taxes.
If you prefer lower premiums in exchange for a deductible that must be met prior to receiving coverage, consider these plans. With myCigna Health Savings plans, your in-network preventive care* is covered in full even before you meet your deductible, to help keep your family healthy. These plans do not have in-network copays or coinsurance; you pay 100% of non-preventive care medical expenses until you satisfy the in-network annual deductible. After the annual deductible is met, then eligible in-network medical expenses are covered 100%, except non-preferred prescription drugs.
These plans might be a good choice if you’re healthy, rarely go to doctors, and don’t anticipate having surgery or a hospital stay. Yet, you’re covered if an unexpected medical problem develops.
People who are self-employed often like HSA eligible medical plans for their tax advantages. Young people (age 40 and younger) also tend to like them because they want to avoid the financial risk of a catastrophic health event, and they want coverage for preventive care.
- If you set up a Health Savings Account and select a myCigna Health Savings plan, you can roll over any unused funds in your account at the end of each year. You can keep saving toward future medical expense or keep saving for retirement. You might have a year with lots of medical expenses, but other years you may be healthier, allowing you to save more. myCigna Health Savings HSA eligible plans are available in Bronze and Silver metal levels.
- The myCigna Health Savings Bronze plan offers a lower monthly premium, higher deductible and a $6,350 annual in-network out-of-pocket maximum for people who want coverage at a good value, plus a tax shelter.
- The myCigna Health Savings Silver plan offers a moderate premium, moderate deductible, and an annual out-of-pocket maximum of $6,350. Compared to the Bronze version, this may appeal to people who might have faced health issues before or who want a little extra security with lower out-of-pocket costs.
Here are some examples of situations in which Health Savings Plans might be the right choice.
Example: Let’s say you choose a Silver level myCigna Health Savings Plan. You know that health problems can develop unexpectedly, so you like setting aside pre-tax dollars in an investment account “just in case.” You’ve got a moderate monthly premium and a $3,400 annual in-network deductible. If you have medical bills, once you hit your $6,350 annual in-network out-of-pocket maximum, Cigna pays 100% of covered expenses. Unused pre-tax dollars get rolled over to next year’s fund, quietly accruing dividends or interest in the investment account. Compared to the Silver myCigna Health Savings plan, if you choose a Bronze myCigna Health Savings plan, you’ll have a lower monthly premium with a higher annual in-network deductible ($6,100) and the same annual in-network out-of-pocket maximum ($6,350).
Be sure to talk to an accountant about selecting an HSA eligible medical plan and setting up an HSA account. In some cases, it can be a good choice for individuals and families.
myCigna Health Flex
If you value flexibility—or have a family—consider these plans. With myCigna Health Flex plans, you can find the right balance between affordability and level of coverage. These plans feature a wide range of deductibles to help balance your monthly premium and out-of-pocket medical costs. Before you meet your out-of-pocket maximum, a fixed copayment or coinsurance payment is what you will pay for many covered medical services like office visits, prescriptions and urgent care. The myCigna Health Flex plans give you the freedom to choose a plan and a monthly premium that suits your wallet—and your health insurance needs.
It’s your choice:
- In-network deductibles that range between $1,000 and $5,500.
- In-network coinsurance levels including 60/40, 70/30, 80/20 or 0%.
- Different copay levels for office visits with primary care and specialist physicians before you meet your annual in-network out-of-pocket maximum.
- Multiple levels of medication coverage, including $4 in-network generics.
When you compare Health Flex plans, think about how much financial risk you’re willing to take. In the worst-case scenario, can you afford unforeseen medical expenses? Make sure you consider the options carefully.
These examples might help you decide:
Example: Let’s say you’re single, and you’re fairly healthy. No chronic health problems. You choose a Silver myCigna Health Flex 3400 plan. You like the moderate monthly premium. You’re fine with the $3,400 annual in-network deductible and $6,350 annual in-network out-of-pocket maximum. You like the idea that after you satisfy the out-of-pocket maximum, 100% insurance coverage kicks in to cover remaining eligible expenses. You don’t expect to have health problems during the next year, but if you do need surgery and a hospital stay, you know where you stand.
Example: Maybe you’ve got a family (two teenagers) and you are shopping for affordable coverage. The kids don’t see doctors much anymore. All you think you will need are yearly checkups. You like the lower monthly premium of the Bronze myCigna Health Flex 5500 plan. You are okay with having lower fixed copays only for the first two doctor's visit each year for each family member because you don’t think you will need more than that. Plus, you like the fact that in-network preventive care will be 100% covered.
myCigna Copay Assure
If you have young kids, an athlete in the family or someone with a medical problem, these plans may be best for you. They promote predictability in your out-of-pocket costs. You have zero deductible to satisfy, and the majority of in-network services are subject to a fixed copay, which helps keep things simple. Your premium might be higher than Cigna’s other plan types, but you're OK with that. With myCigna Copay Assure plans, your in-network, out-of-pocket medical expenses are predictable. There are no surprises.
The myCigna Copay Assure plans feature:
- In-network you pay fixed copays for covered doctor's visit (primary and specialist).
- In-network you pay a copay for a doctor's visit, urgent care, emergency room or outpatient services. Out-of-pocket expenses for inpatient surgery and outpatient admission are capped when you receive services from a surgeon or facility in the Cigna provider network.
These are good plans for families with lots of medical expenses. If you choose a pharmacy in the Cigna pharmacy network, you pay a copay for the most commonly prescribed medications.
This example may help you decide if Copay Assure plans are right for you:
Example: Let's say you choose the Silver myCigna Copay Assure plan. You pay lower, fixed copays for doctor's visits, urgent care, emergency room and outpatient services.
There's no in-network deductible, so you don't have to worry about tracking expenses for each family member. Every penny of your out-of-pocket costs, even those copays, goes toward your $6,350 annual in-network out-of-pocket maximum. Your monthly premiums are moderate.
When you choose, think about these factors: How often do you see doctors or use medical services? Does a moderate premium, zero in-network deductible and fixed copays sound good to you?
Call Cigna’s licensed insurance agents at 1.866.438.2446, 8:00 am to 10:00 pm (ET), Monday through Friday.
At Cigna, our goal is to provide the information you need to help you make an informed decision.
For a full list of exclusions and limitations: View State Policy Disclosures, Exclusions and Limitations or review the Summary of Benefits for the plan you are interested in, which is located under Plan Documents.
The content on this page is applicable to Cigna Health and Life Insurance Company medical plans which use the Cigna Open Access Plus and LocalPlus networks of participating providers.
*Your policy contains a complete list of covered preventive care services.
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