Offered Cigna at Work?

Offered Cigna at Work?
Dental Coverage
Dental Exclusive Provider Organization (DEPO)

Use the Dental EPO (DEPO) plan to visit any dentist in your plan's network. There's no need to select a primary care dentist or get a referral to see a participating specialist. This plan provides access to most in-network preventive and diagnostic procedures, such as routine exams, X-rays, cleanings and some fillings, at a reasonable cost or no additional cost to you. Your dentist will automatically submit any necessary claims.

How the DEPO plan works

Plans can vary, but below is a basic summary of how your DEPO plan works and how to arrange for care.1

  • Make an appointment with a dentist in your plan's network
  • Your plan provides access to most routine or preventive exams at a reasonable cost or no additional cost to you
  • Pay your bill at the time you receive services
  • Once you meet your annual deductible and have satisfied any waiting periods, your dental plan covers eligible dental expenses from in-network dentists up to your plan's annual dollar maximum
  • The dentist will submit a claim for you for any reimbursable costs
  • Search for participating dental professionals and services using the online directory. There is no out-of-network coverage with the Cigna Dental EPO plan

1 Please refer to your plan documents or contact your employer for more information on what out-of-pocket costs you may be responsible for and what’s covered and not covered by your plan

Dental Health Maintenance Organization (DHMO)

Dental HMO (DHMO) plan1 helps to streamline your dental care and makes most preventive and diagnostic services available at a reasonable cost or no additional cost to you, including yearly fluoride treatments for covered children. There is a copay for covered services, but no deductibles or annual dollar maximums, no coverage waiting periods and no claim forms to complete.

You choose a network general dentist to help manage your overall dental care, and if your plan provides coverage for orthodontic services, you don't need a referral to see a network orthodontist.

How the Cigna DHMO plan works


Plans can vary, but below is a basic summary of how the DHMO plan works and how to arrange care:2

  • Choose a network general dentist from the Cigna Dental Care network. You can change your network general dentist at any time
  • Contact your network general dentist for all dental services, including routine exams and emergency dental care
  • If you need specialized dental care, your network general dentist will refer you to a network dental specialist. Some plans don't require referrals for children under age seven to visit a network pediatric dentist. And you never need a referral to visit a network orthodontist
  • Refer to the Patient Charge Schedule (PCS) for detailed costs or copays. All covered services, along with copays for each, are listed on the PCS. Some PCSs include discounts instead of copays for covered procedures
  • Search for participating dental professionals and services using the online directory. There is no out-of-network coverage on the Cigna Dental Care DHMO plan3

1The term “DHMO” is used to refer to product designs that can vary depending on your state, including but not limited to, prepaid plans, managed care plans and plans with open access features.


2Please refer to your plan documents or contact your employer for more information on what out-of-pocket costs you may be responsible for and what’s covered and not covered by your plan.


3Except in OK and MN.

Dental Indemnity

The Cigna Dental Traditional indemnity plan lets customers visit any licensed dentist or specialist. There's no need to choose a primary care dentist or get a referral to see a specialist. The plan is based on coinsurance levels that determine the percentage of costs covered by the plan for different types of services.

How the Cigna Dental Indemnity plan works

Plans can vary, but below is a basic summary of how the Cigna Dental Indemnity plan works and how to arrange for care:1

  • Visit a dental care professional of your choice
  • You'll be covered for most preventive and diagnostic services at a reasonable cost or at no additional cost to you
  • Basic restorative (fillings, root canal, extractions), major restorative (crowns, dentures, bridges) and orthodontic (braces, retainers) services will be partially covered, depending on your plan
  • After meeting your deductible or satisfying any waiting periods, you'll be reimbursed for all or part of your costs for covered procedures-up to your plan's annual dollar maximum
  • If you'd like to visit a dentist that’s in Cigna's network, search for participating dental professionals and services using the online directory

1Please refer to your plan documents or contact your employer for more information on what out-of-pocket costs you may be responsible for and what's covered and not covered by your plan.

Dental Preferred Provider Organization (DPPO)

With the Cigna Dental PPO (DPPO) plan you can visit any dentist in- or out-of-network and you never need a referral to see a specialist. You also have access to most preventive services at a reasonable cost or at no additional cost to you.

How the Cigna DPPO plan works

Plans can vary, but below is a basic summary of how the DPPO plan works and how to arrange for care.1

  • Choose a dentist, and schedule an office visit
  • You can visit any dentist, but you will pay less for covered services if you use in-network dentists
  • Search for participating dental professionals and services using the online directory. If you choose to visit an out-of-network dentist, your costs may be higher

1Please refer to your plan documents or contact your employer for more information on what out-of-pocket costs you may be responsible for and what’s covered and not covered by your plan.

Medical Coverage
Health Reimbursement Account (HRA)

The Cigna Health Reimbursement Account (HRA) is funded by your employer. This account works with your health care plan to help you pay the out-of-pocket costs for some covered medical expenses.

How the Cigna plan and HRA work

Plans can vary, but below is a basic summary of how an HRA works:1

  • At the start of the plan year, your employer deposits a certain dollar amount into your Health Reimbursement Account (HRA)
  • The dollars in your HRA are used to pay eligible health care expenses. The money used counts toward your deductible (the amount you pay out-of-pocket before your plan starts to pay)
  • After the money in your account is used up, you pay for all of your health care expenses up to your annual deductible amount
  • When you reach your deductible, you and your plan share the costs (coinsurance) for covered services
  • Your costs for covered services are limited by an out-of-pocket maximum as defined by your plan
  • Money not used during the plan year may or may not roll over to your account the next year, depending on your plan (contact your employer for details)
  • You can combine your HRA with other types of reimbursement accounts, such as a Healthy Awards Account® and/or Healthy Future Account®, if offered by your plan. Your employer decides how and when you earn or use these account dollars

1Please refer to your plan documents, including specific information on your HRA, or contact your employer for more information on what’s covered and not covered by your plan.

Health Savings Account (HSA)

The Cigna Health Savings Account (HSA) combines a health care plan with a tax-advantaged health savings account you establish through your employer. Use the money in your account to pay for eligible health care expenses for you and your eligible dependents, or save it for future health costs.

How your plan and HSA work

Plans can vary, but below is a basic summary of how an HSA works:1

  • As part of enrolling in the Cigna Choice Fund® HSA, you open a health savings account
  • You and/or your employer can contribute pre-tax dollars to your account2
  • You can use the money in your HSA to pay for qualified health care expenses (including your deductible and coinsurance) for yourself and your eligible dependents. You can also use it to pay for qualified medical expenses that may not be covered under your medical plan, including dental and vision expenses
  • The HSA dollars you use go toward paying your annual deductible. Dollars you don’t use remain in your account and earn interest
  • If you leave your health plan, change jobs or retire, you take your HSA with you

1Please refer to your plan documents, including specific information on your HSA, or contact your employer for more information on what’s covered and not covered by your plan.


2HSA contributions and earnings are not subject to federal taxes and not subject to state taxes in most states. A few states do not allow pretax treatment of contributions or earnings. We have identified the following states as having these tax considerations: Alabama, California, New Hampshire and New Jersey.

Health Care Flexible Spending Account (FSA)

The Cigna Health Care Flexible Spending Account (FSA) is a cost-effective way to pay for eligible out-of-pocket expenses not covered by your medical or dental plan. You determine how much you will contribute and you pay no taxes on the contributions or the withdrawals when used to pay for eligible expenses.

How the Cigna Health Care FSA works

Plans can vary, but below is a basic summary of how a Health Care FSA works:1

  • At the beginning of the plan year, you estimate your anticipated eligible health care expenses for yourself, spouse/partner and eligible dependents, and then decide what amount from each paycheck is deposited into your FSA to pay for those expenses
  • Use your Health Care FSA to pay for eligible medical, dental and pharmacy expenses not covered by your health plan, including copays, coinsurance, deductibles or certain vision, hearing or orthodontic costs
  • Reimburse yourself for eligible expenses using the claims process or FSA debit card, depending on your fund features
  • At the end of the plan year, you lose any dollars left in your FSA, so it’s important to plan carefully

1Please refer to your plan documents, including specific information on your Health Care FSA, or contact your employer for more information on what’s covered and not covered by your plan.

Dependent Care Flexible Spending Account (FSA)

The Cigna Dependent Care Flexible Spending Account (FSA) is a convenient way to plan and pay for eligible dependent care expenses (usually child care) not covered by your health care plan.

You determine how much money you will contribute to your account (up to the current federal allowable maximum), and you pay no taxes on the contributions or the withdrawals when used to pay for eligible expenses. Eligible dependents include children age 12 and under or disabled dependents of any age who aren’t able to care for themselves.

How the Cigna Dependent Care FSA works

Plans can vary, but below is a basic summary of how a Dependent Care FSA works:1

  • At the beginning of the plan year, you estimate your anticipated eligible dependent care expenses and decide the amount from each paycheck that’s deposited into your Dependent Care FSA to pay for those expenses-you can contribute up to the current federal maximum
  • You withdraw money as needed throughout the year to reimburse yourself for the eligible dependent care expenses you’ve paid. According to IRS rules, you can receive reimbursement only after services are provided
  • If your account doesn’t have enough money to pay an entire claim you will receive partial payment up to the amount in your account. When further contributions are made, you’ll receive additional payments until the claim is paid in full
  • To be eligible for reimbursement you must be working, looking for work or going to school. If you have a spouse/partner, they must also be working, looking for work or going to school
  • At the end of the plan year, you lose any dollars left in your Dependent Care FSA, so it’s important to plan carefully

1Please refer to your plan documents, including specific information on your Dependent Care FSA, or contact your employer for more information on what’s covered and not covered by your plan.

Limited Purpose Flexible Spending Account (FSA)

The Cigna Limited Purpose Flexible Spending Account (FSA) works in combination with a Health Savings Account (HSA) to help you save money to pay for eligible dental and vision costs.

You decide how much you will contribute, and you pay no taxes on the contributions or the withdrawals when used to pay for eligible dental and vision costs.

How your Limited Purpose FSA works

Plans can vary, but below is a basic summary of how a Limited Purpose FSA works:1

  • At the beginning of the plan year, you estimate your anticipated eligible dental and vision expenses and costs that exceed your HSA deductible for yourself, spouse/partner and eligible dependents, then decide what amount from each paycheck is deposited into your FSA to help pay for those expenses
  • Reimburse yourself for eligible expenses using the claims process or FSA debit card, depending on your fund features
  • Once you have met your Limited Purpose FSA deductible, the account may be used to reimburse general qualified out-of-pocket medical expenses like a traditional FSA
  • At the end of the plan year, you lose any dollars left in your FSA, so it’s important to plan carefully

1Please refer to your plan documents, including specific information on your Limited Purpose FSA, or contact your employer for more information on what’s covered and not covered by your plan.

Medical Exclusive Provider Organization (EPO)

Cigna’s Exclusive Provider Organization (EPO) plan gives you important choices. Each time you need care, you can choose your doctors, health professionals and hospitals from our network.

How the Cigna EPO plan works

Plans can vary, but below is a basic summary of how the EPO plan works and how to arrange for care:1

  • Primary care physician (PCP)
    You don’t need to select a PCP. Cigna will work closely with you and your doctors to help coordinate your care.
  • In-network
    Choose to see doctors or other health care professionals who participate in-network to keep your costs lower and eliminate paperwork.
  • No referral specialist care
    If you need to see a specialist, you do not need a referral to see a doctor who participates in the Cigna network—just make the appointment and go. Pre-certification may be necessary for hospitalizations and some types of outpatient care, but there is no paperwork for you.
  • Out-of-network
    If you choose to see a doctor who is not in the network, your care will not be covered except in emergencies.
  • Emergency and urgent care
    When you need care, you’re covered, 24 hours a day, worldwide.

With the plan, you’ll pay an annual amount (deductible) before your health plan begins to pay for covered health care costs. Once you meet your deductible, you pay a set amount (copay) or percentage of the cost (coinsurance) for your covered health care costs, and the health plan pays the rest.

Note: If you are enrolled in a Health Reimbursement Account (HRA), Health Savings Account (HSA) or Flexible Spending Account (FSA), your fund dollars may be used to pay for eligible medical and pharmacy expenses not covered by your health plan, including copays, coinsurance and deductibles.

1Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Medical Health Maintenance Organization (HMO)

Cigna’s HMO plan is designed to help you stay healthy. You choose a primary care physician (PCP) to serve as your personal doctor. He or she can treat you for a wide variety of conditions, provide preventive care, refer you to specialists and coordinate hospital care, when needed.

How the Cigna HMO plan works

Plans can vary, but below is a basic summary of how the Cigna HMO plan works and how to arrange for care:1

  • Primary care physician (PCP)
    You are required to choose a PCP as your personal doctor. Each individual covered through your plan can choose his or her own PCP and can change them at any time.
  • In-network
    For your care to be covered by the plan, you must choose a PCP who is in-network and receive all of your care through your PCP.
  • Referrals for specialist care
    Your PCP will provide you with a referral if you need to see a specialist. The only exception will be OB/GYN services where you do not need a referral to receive care. Pre-certification may be necessary for hospitalizations and some types of outpatient care, but there is no paperwork for you.
  • Out-of-network
    If you choose to see a doctor who is not in the network, your care will not be covered except in emergencies.
  • Emergency and urgent care
    When you need care, you’re covered, 24 hours a day, worldwide.
  • Predictable out-of-pocket costs
    With the plan, you’ll pay an annual amount (deductible) before your health plan begins to pay for covered health care costs. Once you meet your deductible, you pay a set amount (copay) or percentage of the cost (coinsurance) for your covered health care costs and the health plan pays the rest.

1Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Medical Health Maintenance Organization (HMO) Open Access

Cigna’s HMO Open Access plan provides flexibility and predictable out-of-pocket costs. You may choose a primary care physician (PCP) as your personal doctor to coordinate your care and medical treatment, but with the open access feature, this is not required. You can see any doctor participating in the Cigna network and change your PCP any time. Need to see a specialist? If you see an in-network specialist, no referral is necessary.

How the Cigna HMO Open Access plan works

Below is a basic summary of how the HMO Open Access plan works and how we recommend you arrange for care to help maximize your coverage:1

  • Primary care physician (PCP)
    You have the option to choose a PCP as your personal doctor to coordinate your care and medical treatment. For routine medical care, contact your PCP to schedule an office visit.
  • In-network
    For your care to be covered by the plan, you must use participating health care professionals.
  • Specialty care
    Contact your PCP for an initial exam. If you need specialized care, they will refer you to a specialist. No referral is necessary for in-network specialists. Pre-certification may be necessary for hospitalizations and some types of outpatient care, but there is no paperwork for you.
  • Out-of-network
    If you choose to see a doctor who is not in the network, your care will not be covered except in emergencies.
  • Emergency and urgent care
    When you need care, you’re covered, 24 hours a day, worldwide.
  • Predictable out-of-pocket costs
    With the plan, you’ll pay an annual amount (deductible) before your health plan begins to pay for covered health care costs. Once you meet your deductible, you pay a set amount (copay) or percentage of the cost (coinsurance) for your covered health care costs and the health plan pays the rest.

1Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Medical Health Maintenance Organization (HMO) Open Access Point of Service (POS)

Cigna’s HMO Open Access Point of Service (POS) plan gives you important choices. Each time you need care, you can choose the doctors, other health care professionals and hospitals that work best for you.

How the Cigna HMO Open Access POS plan works

Below is a basic summary of how the HMO Open Access POS plan works and how we recommend you arrange for care to help maximize your coverage:1

  • Primary care physician (PCP)
    You decide if you want to choose a PCP as your personal doctor to help coordinate care and act as a personal health advocate. It’s recommended but not required.
  • In-network
    Choose to see in-network doctors or other health care professionals to keep your costs lower and eliminate paperwork.
  • No referral specialist care
    If you need to see a specialist, you do not need a referral to see someone in the network—just make the appointment and go. Pre-certification may be necessary for hospitalizations and some types of outpatient care, but there is no paperwork for you.
  • Out-of-network
    You also have the freedom to visit doctors or use hospitals that are not part of the Cigna network, but your costs will be higher, and you may need to file a claim.
  • Emergency and urgent care
    When you need care, you’re covered, 24 hours a day, worldwide.
  • Predictable out-of-pocket costs
    With the plan, you’ll pay an annual amount (deductible) before your health plan begins to pay for covered health care costs. Once you meet your deductible, you pay a set amount (copay) or percentage of the cost (coinsurance) for your covered health care costs and the health plan pays the rest.

1Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Medical Health Maintenance Organization (HMO) Point of Service (POS)

Cigna’s HMO Point of Service (POS) plan is designed to help you stay healthy. You choose a primary care physician (PCP) to serve as your personal doctor. He or she can treat you for a wide variety of conditions, provide preventive care, refer you to specialists and coordinate hospital care, when needed.

How the Cigna HMO POS plan works

Below is a basic summary of how the HMO POS plan works and how we recommend you arrange for care to help maximize your coverage.1

  • Primary care physician (PCP)
    You are required to choose a PCP as your personal doctor.
  • In-network
    For your care to be covered by the plan at in-network levels, you must choose a network PCP and receive care from health care professionals who participate in Cigna's network.
  • Referrals for specialist care
    Your PCP will provide you with a referral if you need to see a specialist. The only exception will be OB/GYN services where you do not need a referral to receive care. Pre-certification may be necessary for hospitalizations and some types of outpatient care, but there is no paperwork for you.
  • Out-of-network
    You also have the freedom to visit doctors or use hospitals that are not part of the Cigna network, but your costs will be higher, and you may need to file a claim.
  • Emergency and urgent care
    When you need care, you’re covered, 24 hours a day, worldwide.
  • Predictable out-of-pocket costs
    With the plan, you'll pay an annual amount (deductible) before your health plan begins to pay for covered health care costs. Once you meet your deductible, you pay a set amount (copay) or percentage of the cost (coinsurance) for your covered health care costs, and the health plan pays the rest.

1Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Medical Indemnity

A Medical Indemnity plan gives you the freedom to see any doctor, receive care at any hospital or health care location, and you never need a referral to visit a specialist. You pay for the cost of your care and services at the time you receive them, and submit a claim form after services are received.

How the Cigna Medical Indemnity plan works

Plans can vary, but below is a basic summary of how the Cigna Indemnity plan works and how to arrange for care:1

  • You pay for the cost of your care and services at the time you receive them, which may include routine health care services and emergency or urgent care
  • Once you meet your deductible, you are responsible for paying the coinsurance—a percentage of the costs for health care services
  • You are free to choose any licensed physician or hospital. You must file a claim to be reimbursed for covered health care expenses
  • No-referral specialist care—if you need to see a specialist, you do not need a referral
  • Emergency and urgent care—when you need care, you’re covered, 24 hours a day, worldwide

Note: If you are enrolled in a Health Reimbursement Account (HRA), Health Savings Account (HSA) or Flexible Spending Account (FSA), your fund dollars may be used to pay for eligible medical and pharmacy expenses not covered by your health plan, including copays, coinsurance and deductibles.

1Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Medical Network

Cigna’s Network plan is designed to help you stay healthy. You choose a primary care physician (PCP) to serve as your personal doctor. He or she can treat you for a wide variety of conditions, provide preventive care, refer you to specialists and coordinate hospital care when needed.

How the Network plan works

Plans can vary, but below is a basic summary of how the Network plan works and how to arrange for care:1

  • Primary care physician (PCP)
    You are required to choose a PCP as your personal doctor who can provide routine care, coordinate care and refer you to in-network specialists and services, and you can change your PCP at any time.
  • In-network
    For your care to be covered by the plan, you must choose a PCP who is in-network and receive all of your care through your PCP.
  • Referrals for specialist care
    Your PCP will provide you with a referral if you need to see a specialist. The only exception will be OB/GYN services where you do not need a referral to receive care. Precertification may be necessary for hospitalizations and some types of outpatient care, but there is no paperwork for you.
  • Out-of-network
    If you choose to see a doctor who is not in the network, your care will not be covered except in emergencies.
  • Emergency and urgent care
    When you need care, you’re covered, 24 hours a day, worldwide.
  • Predictable out-of-pocket costs
    With the plan, you'll pay an annual amount (deductible) before your health plan begins to pay for covered health care costs. Once you meet your deductible, you pay a set amount (copay) or percentage of the cost (coinsurance) for your covered health care costs and the health plan pays the rest.

1Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Medical Network Open Access Point of Service (POS)

Cigna’s Network Open Access Point of Service (POS) plan gives you important choices. Each time you need care, you can choose the doctors, other health care professionals and hospitals that work best for you.

How the Cigna Network Open Access POS plan works

Plans can vary, but below is a basic summary of how the Network Open Access POS plan works and how we recommend you arrange for care to help maximize your coverage:1

  • Primary care physician (PCP)
    You decide if you want to choose a PCP as your personal doctor to help coordinate care and act as a personal health advocate. It’s recommended, but not required.
  • In-network
    Choose to see in-network doctors or other health care professionals to keep your costs lower and eliminate paperwork.
  • No referral specialist care
    If you need to see a specialist, you do not need a referral—just make the appointment and go. Your costs will be lower if you see a doctor who participates in the network. Pre-certification may be necessary for hospitalizations and some types of outpatient care, but there is no paperwork for you when using network health care professionals.
  • Out-of-network
    You also have the freedom to visit doctors or use hospitals that are not part of the network, but your costs will be higher, and you may need to file a claim.
  • Emergency and urgent care
    When you need care, you’re covered, 24 hours a day, worldwide.
  • Predictable out-of-pocket costs
    With the plan, you'll pay an annual amount (deductible) before your health plan begins to pay for covered health care costs. Once you meet your deductible, you pay a set amount (copay) or percentage of the cost (coinsurance) for your covered health care costs, and the health plan pays the rest.

1Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Medical Network Point of Service (POS)

Cigna’s Network Point of Service plan is designed to help you stay healthy. You choose a primary care physician (PCP) to serve as your personal doctor. He or she can treat you for a wide variety of conditions, provide preventive care, refer you to specialists and coordinate hospital care, when needed.

How the Cigna Network POS plan works

Plans can vary, but below is a basic summary of how the Network POS plan works and how we recommend you arrange for care to help maximize your coverage.1

  • Primary care physician (PCP)
    You must choose a PCP as your personal doctor to help coordinate care and act as a personal health advocate.
  • In-network
    Choose to see in-network doctors or other health care professionals to keep your costs lower and eliminate paperwork.
  • Referrals for specialist care
    Your PCP will provide you with a referral if you need to see a specialist. The only exception will be OB/GYN services where you do not need a referral to receive care. Precertification may be necessary for hospitalizations and some types of outpatient care, but there is no paperwork for you when using in-network health care professionals.
  • Out-of-network
    You also have the freedom to visit doctors or use hospitals that are not part of the network, but your costs will be higher, and you may need to file a claim.
  • Emergency and urgent care
    When you need care, you’re covered, 24 hours a day, worldwide.
  • Predictable out-of-pocket costs
    With the plan, you'll pay an annual amount (deductible) before your health plan begins to pay for covered health care costs. Once you meet your deductible, you pay a set amount (copay) or percentage of the cost (coinsurance) for your covered health care costs, and the health plan pays the rest.

1Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Medical Open Access Plus (OAP)

Cigna’s Open Access Plus plan gives you important choices. Each time you need care, you can choose the doctors and other health care professionals and hospitals that work best for you. Open Access Plus provides access to medical care, including visits to your doctor’s office, hospital stays, chiropractic treatment, physical therapy and other services.

How the Cigna OAP plan works

Plans can vary, but below is a basic summary of how the OAP plan works and how we recommend you arrange for care to help maximize your coverage.1

  • Primary care physician (PCP)
    You decide if you want to choose a PCP as your personal doctor to help coordinate care and act as a personal health advocate. It’s recommended, but not required.
  • In-network
    Choose to see doctors or other health professionals who participate in-network to keep your costs lower and eliminate paperwork.
  • No-referral specialist care
    If you need to see a specialist, you do not need a referral to see a doctor who participates in the network—just make the appointment and go. Precertification may be necessary for hospitalizations and some types of outpatient care, but there is no paperwork for you.
  • Out-of-network
    You also have the freedom to visit doctors or use hospitals that are not part of the network, but your costs will be higher and you may need to file a claim.
  • Emergency and urgent care
    When you need care, you’re covered, 24 hours a day.

With the plan, you’ll pay an annual amount (deductible) before your health plan begins to pay for covered health care costs. Once you meet your deductible, you pay a set amount (copay) or percentage of the cost (coinsurance) for your covered health care costs and the health plan pays the rest.

Note: If you are enrolled in a Health Reimbursement Account (HRA), Health Savings Account (HSA) or Flexible Spending Account (FSA), your fund dollars may be used to pay for eligible medical and pharmacy expenses not covered by your health plan, including copays, coinsurance and deductibles.

1Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Medical Open Access Plus (OAP) In-Network

Cigna’s Open Access Plus In-Network plan lets you choose doctors and health care professionals from Cigna's large network.

How the OAP In-Network Plan Works

Plans can vary, but below is a basic summary of how the OAP In-Network plan works and how we recommend you arrange for care to maximize your coverage.1

  • Primary care physician (PCP)
    You decide if you want to choose a PCP as your personal doctor to help coordinate care and act as a personal health advocate. It’s recommended but not required.
  • In-network
    For your health care to be covered by the plan, you must choose a health care professional who is part of the Cigna network.
  • No-referral specialist care
    If you need to see a specialist, you do not need a referral to see a doctor who participates in the Cigna network—just make the appointment and go. Pre-certification may be necessary for hospitalizations and some types of outpatient care, but there is no paperwork for you when using in-network  health care professionals.
  • Out-of-network
    If you choose to see a doctor who is not in the network, your care will not be covered except in emergencies.
  • Emergency and urgent care
    When you need care, you’re covered, 24 hours a day, worldwide

With the plan, you’ll pay an annual amount (deductible) before your health plan begins to pay for covered health care costs. Once you meet your deductible, you pay a set amount (copay) or percentage of the cost (coinsurance) for your covered health care costs, and the health plan pays the rest.

Note: If you are enrolled in a Health Reimbursement Account (HRA), Health Savings Account (HSA) or Flexible Spending Account (FSA), your fund dollars may be used to pay for eligible medical and pharmacy expenses not covered by your health plan, including copays, coinsurance and deductibles.

1 Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Medical LocalPlus

Cigna’s Local Plus plan gives you important choices at lower cost. Each time you need care, you can choose the doctors and other health care professionals and hospitals that work best for you. LocalPlus provides access to medical care, including visits to your doctor’s office, hospital stays, chiropractic treatment, physical therapy and other services.

How the Cigna LocalPlus plan works

Plans can vary, but below is a basic summary of how the LocalPlus plan works and how we recommend you arrange for care to help maximize your coverage.1

  • Primary care physician (PCP)
    You decide if you want to choose a PCP as your personal doctor to help coordinate care and act as a personal health advocate. It’s recommended, but not required.
  • In-network
    Choose to see doctors or other health professionals who participate in-network to keep your costs lower and eliminate paperwork.
  • No-referral specialist care
    If you need to see a specialist, you do not need a referral to see a doctor who participates in the network—just make the appointment and go. Precertification may be necessary for hospitalizations and some types of outpatient care, but there is no paperwork for you.
  • Out-of-network
    You also have the freedom to visit doctors or use hospitals that are not part of the network, but your costs will be higher and you may need to file a claim.
  • Emergency and urgent care
    When you need care, you’re covered, 24 hours a day.

With the plan, you’ll pay an annual amount (deductible) before your health plan begins to pay for covered health care costs. Once you meet your deductible, you pay a set amount (copay) or percentage of the cost (coinsurance) for your covered health care costs and the health plan pays the rest.

Note: If you are enrolled in a Health Reimbursement Account (HRA), Health Savings Account (HSA) or Flexible Spending Account (FSA), your fund dollars may be used to pay for eligible medical and pharmacy expenses not covered by your health plan, including copays, coinsurance and deductibles.

1Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Medical LocalPlus In-Network

Cigna’s LocalPlus In-Network plan lets you choose doctors and health care professionals from Cigna's large network. LocalPlus In-Network provides you health care at lower cost.

How the LocalPlus In-Network Plan Works

Plans can vary, but below is a basic summary of how the OAP In-Network plan works and how we recommend you arrange for care to maximize your coverage.1

  • Primary care physician (PCP)
    You decide if you want to choose a PCP as your personal doctor to help coordinate care and act as a personal health advocate. It’s recommended but not required.
  • In-network
    For your health care to be covered by the plan, you must choose a health care professional who is part of the Cigna network.
  • No-referral specialist care
    If you need to see a specialist, you do not need a referral to see a doctor who participates in the Cigna network—just make the appointment and go. Pre-certification may be necessary for hospitalizations and some types of outpatient care, but there is no paperwork for you when using in-network health care professionals.
  • Out-of-network
    If you choose to see a doctor who is not in the network, your care will not be covered except in emergencies.
  • Emergency and urgent care
    When you need care, you’re covered, 24 hours a day, worldwide

With the plan, you’ll pay an annual amount (deductible) before your health plan begins to pay for covered health care costs. Once you meet your deductible, you pay a set amount (copay) or percentage of the cost (coinsurance) for your covered health care costs, and the health plan pays the rest.

Note: If you are enrolled in a Health Reimbursement Account (HRA), Health Savings Account (HSA) or Flexible Spending Account (FSA), your fund dollars may be used to pay for eligible medical and pharmacy expenses not covered by your health plan, including copays, coinsurance and deductibles.

1 Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Medical Preferred Provider Organization (PPO)

Cigna’s Preferred Provider Organization (PPO) plan gives you important choices. Each time you need care, you can choose your doctors, health care professionals and hospitals from our network, or you can choose to receive care and services from health care professionals outside of the network.

How the PPO plan works

Plans can vary, but below is a basic summary of how the PPO plan works and how to arrange for care:1

  • Primary care physician (PCP)
    You don’t need to select a PCP. Cigna will work closely with you and your doctors to help coordinate your care.
  • In-network
    Choose to see in-network doctors or other health care professionals to keep your costs lower and eliminate paperwork.
  • No-referral specialist care
    If you need to see a specialist, you do not need a referral—just make the appointment and go. Pre-certification may be necessary for hospitalizations and some types of outpatient care.
  • Out-of-network
    You also have the freedom to visit doctors or use hospitals that are not part of the Cigna network, but your costs will be higher, and you may need to file a claim.
  • Emergency and urgent care
    When you need care, you’re covered, 24 hours a day, worldwide.

With the plan, you’ll pay an annual amount (deductible) before your health plan begins to pay for covered health care costs. Once you meet your deductible, you pay a set amount (copay) or percentage of the cost (coinsurance) for your covered health care costs, and the health plan pays the rest.

Note: If you are enrolled in a Health Reimbursement Account (HRA), Health Savings Account (HSA) or Flexible Spending Account (FSA), your fund dollars may be used to pay for eligible medical and pharmacy expenses not covered by your health plan, including copays, coinsurance and deductibles.

1Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Vision Coverage
Vision Indemnity

The Cigna Indemnity Vision Care plan lets you visit any licensed eye care professional. No worries about in- or out-of-network  requirements or showing ID cards at the time of service.

How the Cigna plan works

Plans can vary, but below is a basic summary of Vision Indemnity coverage and how to arrange for care:1

  • Schedule an eye exam appointment with the eye care professional of your choice, no in- or out-of-network requirements
  • If you need eyeglasses or contacts, you can purchase those from your vision care professional or through a retailer
  • Pay the bill at the time of your service or when you buy eye care products
  • Submit a claim form for eligible reimbursements

1Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Vision Network Health Maintenance Organization (HMO)

The Cigna Network HMO Vision plan comes with either the HMO or the Point of Service (POS) medical plan. You have access to quality eye care through the Vision Service Plan (VSP) network,1 and there are no claim forms to complete.

How the Cigna Vision Network HMO plan works

Plans can vary, but below is a basic summary of your Vision Network HMO coverage and how to arrange for care.2

  • Find an in-network vision care professional near you
  • You pay only your copay for a covered vision exam and any amount over the allowance for materials, such as lenses and frames, when your plan covers materials. No need to fill out a claim form

1If you live in ME, NH, VT, MA, RI, OK, NV or Waco, Tyler or El Paso, Texas, you can find a vision professional by searching for an optometrist under Specialists in the Cigna Health Care Professional directory. The VSP network is not used in these areas.

2Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Vision Preferred Provider Organization (PPO)

With the Cigna Vision PPO plan, you get access to a vision and eye-health exam, and most plans also offer you the flexibility to visit in-network or out-of-network eye care professionals.

In the Cigna Vision Network, you have access to private practice optometrists and ophthalmologists, as well as nationally recognized retail optical providers.

How the Cigna Vision PPO plan works

Plans can vary, but below is a basic summary of the Cigna Vision PPO coverage and how to arrange for care:1

  • Visit an eye care professional near you
  • For in-network services you pay a copay at the time of service, including any amount over your plan’s allowance for materials (eyeglass frames, contact lenses) when your plan covers materials
  • For out-of-network eye care services, you pay the full cost at the time of your service and then submit a Cigna Vision claim form and itemized receipt for reimbursement of any covered amounts under your plan
  • Find a vision care professional near you

1Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Pharmacy Coverage
Cigna Pharmacy Benefit Plans

Cigna Pharmacy benefit plans provide coverage for most of the prescription medications approved by the U.S. Food and Drug Administration (FDA), along with programs and tools to help you get the most out of your pharmacy coverage. Cigna’s Pharmacy network includes thousands of retail pharmacies and Cigna Home Delivery PharmacySM.

Cigna Home Delivery Pharmacy makes it possible to have medications delivered to your home. It’s especially convenient for medications you may take regularly, including those for high cholesterol, diabetes, high blood pressure, heart disease, asthma, arthritis, allergies, birth control and specialty injectable medications. We offer:

  • Fast, confidential delivery to your home, or other location at no additional cost
  • 24/7 access to pharmacists by phone
  • Up to a 90-day supply of your medications, which means fewer refills
  • Accurate dispensing of FDA-approved medications
  • Refill and online order information available
  • Friendly and helpful customer service

How Cigna Pharmacy plans work

Plans can vary, but below are five basic steps to getting the prescriptions you need when your health care professional prescribes a medication for you. After you have enrolled in a Cigna Pharmacy benefit program, make sure to review your plan materials to understand the details of your benefit coverage.

  • Learn what drugs are covered: Use the prescription drug list to see if your medications are covered by your plan. Review the drug list with your health care professional to see what options may be available to you because there are many lower-cost choices and not all prescription medications may be covered by your plan.
  • Choose medications that may save you money: The amount you pay for your prescription drugs depends on whether they are listed as generic, preferred brand or non-preferred brand, and your pharmacy coverage. Generic drugs have been certified by the Food and Drug Administration (FDA), often cost less and are as safe and effective as brand name drugs.
  • Use tools to help you get the most out of your plan: After your coverage takes effect, you will have access to myCigna.com, Cigna's secure website for our customers. This website allows you to check the details of your pharmacy benefit, review pharmacy claims for yourself and your covered dependent(s), order medications from Cigna Home Delivery Pharmacy, and use tools like the Prescription Drug Price Quote tool. This national, award-winning tool helps you see costs for drugs specific to your pharmacy plan and find lower cost drug options. You can also use it to compare drug prices between local retail pharmacies and Cigna Home Delivery Pharmacy.
  • Fill your prescriptions: You can pick up your medications at a participating local retail pharmacy or have them delivered to your home with Cigna Home Delivery Pharmacy. We provide access to pharmacists 24/7 to help you with questions you may have about your prescription drug therapy.
  • Get help with specialty medications: Health care professionals prescribe specialty drugs to treat complex and chronic conditions such as rheumatoid arthritis, multiple sclerosis, hepatitis C, growth hormone deficiency, hemophilia and psoriasis. If you have questions about your medications, including side effects, how these drugs interact with other drugs you may be taking and how to handle or store them, our Customer Support teams are available 24/7 to assist you. Simply dial the toll-free number on your Cigna ID card.
Mental Health Coverage
Cigna Behavioral Health

Cigna Behavioral Health provides access to various therapy and treatment options to help you manage life’s challenges. Your plan may include:

  • Access to a network of licensed mental health professionals and behavioral coaches
  • Inpatient and outpatient mental health services and follow up case management
  • Consultations, referral services and outpatient services
  • Educational and community support resources

How mental health benefits work

Below is a brief summary of mental health services and how to arrange care:1

  • You will schedule an appointment with a doctor, therapist or inpatient treatment hospital according to your medical plan's requirements (i.e. in-network, out-of-network, PCP selection, etc.). A therapist, your doctor or someone else might also coordinate care for you if necessary
  • You will pay any costs for care you receive until you meet your plan deductible, if you have one. Once you meet your deductible, your plan begins to cover some or all of your costs as outlined in your plan. Remember, your mental health coverage is part of your medical plan, so there is no separate deductible
  • Inpatient or outpatient mental health services may require precertification and/or prior authorization (approval). Check your plan documents for more information.1  Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan

1Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Substance Abuse Coverage
Cigna Behavioral Health

Cigna Behavioral Health provides coverage for substance abuse and includes access to confidential alcohol and drug abuse therapy, online and offline treatment options, and health care professionals to help with recovery. Your plan may include access to:

  • Inpatient and outpatient treatment services, combined with follow-up case management, if needed
  • Personalized coaching programs that work with your schedule and life challenges
  • Referrals to local community support groups, professional advice and online tools and educational resources

How your plan works

Substance abuse coverage is outlined in your medical plan. Below is a brief summary of substance abuse services and how to arrange for care:1

  • You will schedule an appointment with a doctor, therapist or inpatient treatment hospital or clinic according to your medical plan's requirements (i.e. in-network, out-of-network, PCP selection, etc.). Your doctor, counselor or therapist may also refer you and/or help you coordinate care or treatment if necessary
  • You will pay any costs for care you receive until you meet your plan deductible, if you have one. Once you meet your deductible, your plan begins to cover some or all of your costs as outlined in your plan. Remember, your substance abuse coverage is part of your medical plan, so there is no separate deductible
  • Certain inpatient and outpatient treatment services may require precertification and/or prior authorization (approval). Check your plan documents for more information

1Please refer to your plan documents or contact your employer for more information on what’s covered and not covered by your plan.

Life, Accident and Disability Coverage
Disability Coverage

Your benefits plan may also include valuable disability coverage. Disability plans can help ensure that you receive a portion of your salary if you are injured or ill and unable to work. Our disability plans include:

  • Short-term disability-helps if you suffer a temporary illness or injury that leaves you out of work for a short time
  • Long-term disability-offers you protection if you are unable to work for an extended amount of time
  • Mid-term disability-provides an affordable alternative to a combined STD and LTD offering
Life and Accident Coverage

Life insurance is an important part of financial planning and is available to help protect loved ones with the continued financial resources for them to carry on. Accident insurance can protect families from financial hardship by paying a lump sum payment upon death or serious injury due to a covered accident. Please refer to your plan documents, or contact your employer to find out what specific programs are available to you.

Health and Well-being Programs and Services
Health and Wellness Programs

Your plan may also offer access to valuable health and wellness programs, including coaching, personal support and educational resources.1 Specific programs may include:

  • Online health questionnaires to help you learn about and understand your health risks
  • Health coaching to help you:
    • Better cope with stress, manage or lose weight, or quit tobacco use
    • Understand preventive screenings and annual exams so you can learn more about what you can do to get and stay healthy
    • Learn how to reduce your health risks if you have a condition like high blood pressure, high cholesterol, or diabetes
  • A 24/7 health information line to call when you need medical treatment guidance, like how to treat a twisted ankle or your child's high fever
  • Significant discounts on a range of health and wellness services, such as acupuncture and weight management

1Note: not all programs are available in all states.