Compare Cigna's Health Care Reform Plans
Sign up during the Open Enrollment Period. Outside of Open Enrollment, you may be eligible to purchase insurance if you have a qualifying life event. Learn more about enrollment options.
If you're eligible to purchase a plan outside of Open Enrollment, you’ve got lots of choices. The myCigna Health Savings Plan, myCigna Health Flex and myCigna Copay Assure plans are designed to meet your needs and your budget and meet the Health Care Reform requirements.
Arizona residents: View State Policy Disclosures, Exclusions and Limitations. All other states: View State Policy Disclosures. For a full list of exclusions and limitations, review the Summary of Benefits for the plan you are interested in, which is located under Plan Documents.
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 preventive care is covered in full even before you meet your deductible, to help keep your family healthy. These plans do not have copays or coinsurance; you pay 100% of all non-preventive care medical expenses until you satisfy the annual deductible. After the annual deductible is met, then your qualifying 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 like them because they want to avoid the financial risk of catastrophic events, and they want coverage for preventive care.
- If you set up a Health Savings Account and select a myCigna Health Savings product, 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 bad 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 when you purchase a Bronze or Silver metal level plan.
- The myCigna Health Savings Bronze plan offers a low monthly premium, high deductible and high out-of-pocket maximum for people who want basic coverage at a good value, plus a tax shelter.
- The myCigna Health Savings Silver plan offers a moderate premium, moderate deductible, and a moderate out-of-pocket maximum. Compared to the Bronze version, this may appeal to people who might have faced health issues before or who want a little extra security by reducing their potential liability for medical expenses.
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 medical expenses. Before you even meet your out-of-pocket maximum, a fixed copayment or coinsurance payment is all 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 lifestyle.
It’s your choice:
- Deductibles that range between $1,250 and $5,500.
- 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 out-of-pocket maximum.
- Multiple levels of medication coverage, including $4 generics
When you compare Health Flex plans, think about how much financial risk you’re willing to take. In the worst-case scenario, how much money do you have in the bank to cover the year’s medical expenses? Make sure you consider the options carefully.
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 services are subject to a fixed copay, which helps keep things simple. Your premium might be slightly higher than Cigna’s other plan types, but you're OK with that. With myCigna Copay Assure plans, your medical expenses are predictable. There are no surprises.
The myCigna Copay Assure plans feature:
- You pay only fixed copays for all covered doctor's visit (primary and specialist).
- You pay only 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.
These are good plans for families with lots of medical expenses. You pay just a copay for the most commonly prescribed medications.
There's no deductible, so you don't have to worry about tracking expenses for each family member. Every penny, even those copays, goes toward your annual out-of-pocket maximum. A high out-of-pocket maximum of $6,350 helps keep your monthly premiums moderate.
When you choose, think about these factors: How often do you see doctors or use medical services? Do a moderate premium and zero deductible sound good to you to perhaps reduce your out-of-pocket risks?
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.
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.
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