myCigna Health Flex 1500 Health Plan

  • Annual Deductible -
    $1,500  Individual  |  $3,000  Family
  • Out of Pocket Maximum -
    $6,350  Individual  |  $12,700  Family
  • Office Visits -
    $30  Primary  |  $60  Specialist

    For visits 1 & 2**

For California residents, please note that Cigna's product offering is currently under review by the California Department of Insurance.

  • From
    $266*
  • per person per month

When you’ve dealt with medical problems… 

You’ve had some medical issues in the past. Or maybe, it’s your kids who have health problems that require monitoring or treatment. Either way, you want to be prepared for the upcoming year, and if there’s a way to lower your stress level, you’ll take it. Your family’s health is most important, but saving money on health care expenses matters too. With this low-deductible plan, the insurance coverage is ready to kick in, so if you have big medical expenses, your out-of-pocket costs will be less. This plan also features: 

  • A budget-friendly premium and in-network deductible that is among the lowest of the myCigna plans—limiting your out-of-pocket costs.
  • In-network, you pay a copay for the first two primary care physician visits and the first two specialist office visits each year. For additional visits, you pay the plan deductible and coinsurance.
  • Copays as low as $4 for many popular generic prescription drugs, and significant discounts on brand name drugs. 

In every myCigna Plan...

to help keep you healthy... 

Cigna’s plans provide many benefits that can help keep you and your family healthy. These include: 

  • Yearly checkups (including lab work) and preventive care (like routine in-network checkups or colon and breast cancer screenings, when your doctor determines it’s time) at no additional cost when you stay in-network, to help keep medical expenses low.
  • Access to a select group of local, quality doctors and hospitals in Cigna’s LocalPlus ® Network, to get the best value from your plan. For important LocalPlus Network information, in your area or when you're away from home and need care, please review the LocalPlus Network flyer . Find providers in the LocalPlus Network by visiting Cigna.com/ifp-providers
  • Prescription drugs delivered to your home. Call Cigna Home Delivery Pharmacy® and we'll send a 90-day supply of your prescription drugs to your home for less than what you would typically pay at a local pharmacy.
  • Discounts on our health and wellness products and programs, from weight management, nutrition and fitness programs, to tobacco counseling and alternative medicine.1
  • Online health management tools that let you find a doctor, pay your monthly premium, view your claim history, print temporary ID cards or learn about healthy living habits with our online Health & Wellness library.
  • Our 24-hour Health Information Line, with specialists available 24/7 to help answer questions about common health concerns. 

1Healthy Rewards is a discount program. This program is in addition to, not instead of, your plan benefits. Healthy Rewards programs are separate from your medical benefits. A discount program is NOT insurance, and you must pay the entire discounted charge. Some Healthy Rewards programs are not available in all states and programs may be discontinued at any time. Participating providers are independent contractors solely responsible for any care or services provided.

BENEFITIn NetworkOut of Network
Annual Individual Deductible (medical/pharmacy are integrated)$1,500$6,000
Annual Family Deductible$3,000$12,000
Individual OOP maximum$6,350$25,000
Family OOP maximum$12,700$50,000
CoinsuranceYou pay 30% after deductibleYou pay 50% after deductible
Primary Care Physician$30  For visits 1 & 2**You pay 50% after deductible
Specialist Physician$60  For visits 1 & 2**You pay 50% after deductible
Office Related ServicesYou pay 30% after deductibleYou pay 50% after deductible
Preventive CareIn NetworkOut of Network
Preventive Care for All AgesYou pay 0%, deductible waivedYou pay 50% after deductible
Inpatient CareIn NetworkOut of Network
Facility Services (Inpatient Room and Board, Lab & X-ray, Operating Room, etc.)You pay 30% after deductibleYou pay 50% after deductible
Physician ServicesYou pay 30% after deductibleYou pay 50% after deductible
Outpatient ServicesIn NetworkOut of Network
Lab, X-ray and UltrasoundYou pay 30% after deductibleYou pay 50% after deductible
Imaging - CT/PET and MRIYou pay 30% after deductibleYou pay 50% after deductible
Cardiac & Pulmonary RehabilitationYou pay 30% after deductibleYou pay 50% after deductible
Short Term Rehabilitative TherapyYou pay 30% after deductibleYou pay 50% after deductible
Outpatient Surgery - FacilityYou pay 30% after deductibleYou pay 50% after deductible
Outpatient Surgery - Physicians ServicesYou pay 30% after deductibleYou pay 50% after deductible
Emergency & Urgent Care ServicesIn NetworkOut of Network
Emergency Room ServicesYou pay 30% after deductibleYou pay the same level as In-Network if it is an emergency, as defined by the plan otherwise 50% after the deductible
Urgent CareYou pay $75, deductible waivedYou pay the same level as In-Network if it is an emergency, as defined by the plan otherwise 50% after the deductible
AmbulanceYou pay 30% after deductibleYou pay the same level as In-Network if it is an emergency, as defined by the plan otherwise 50% after the deductible
Other Health Care FacilitiesIn NetworkOut of Network
Skilled Nursing FacilityYou pay 30% after deductibleYou pay 50% after deductible
Home HealthYou pay 30% after deductibleYou pay 50% after deductible
HospiceYou pay 30% after deductibleYou pay 50% after deductible
Durable Medical EquipmentYou pay 30% after deductibleYou pay 50% after deductible
Mental HealthIn NetworkOut of Network
Inpatient Mental HealthYou pay 30% after deductibleYou pay 50% after deductible
Outpatient Mental HealthYou pay 30% after deductibleYou pay 50% after deductible
Prescription DrugsIn NetworkOut of Network
Tier 1 - Retail Preferred GenericYou pay $4, deductible waivedYou pay 50% after deductible
Tier 2 - Retail Non-Preferred GenericYou pay $20, deductible waivedYou pay 50% after deductible
Tier 3 - Retail Preferred BrandYou pay $60, deductible waivedYou pay 50% after deductible
Tier 4 - Retail Non-preferred BrandYou pay 50% after deductibleYou pay 50% after deductible
Tier 5 - Retail SpecialtyYou pay 40% after deductibleYou pay 50% after deductible
Tier 1 - Home Delivery Preferred GenericYou pay $10, deductible waivedYou pay 50% after deductible
Tier 2 - Home Delivery Non-Preferred GenericYou pay $50, deductible waivedYou pay 50% after deductible
Tier 3 - Home Delivery Preferred BrandYou pay $150, deductible waivedYou pay 50% after deductible
Tier 4 - Home Delivery Non-Preferred BrandYou pay 50% after deductibleYou pay 50% after deductible
Tier 5 - Home Delivery SpecialtyYou pay 30% after deductibleYou pay 50% after deductible

*Monthly rate is based on a 30-year-old, non-tobacco user, living in the Orlando metropolitan area of Florida, through December 31, 2014.

**For additional visits, plan deductible and coinsurance apply.

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