Cigna's medical plans and networks are designed to improve your bottom line.
Our deep engagement and collaboration with health care providers helps deliver coordinated, quality, and affordable care to your employees across our large national networks and focused, more cost-efficient networks. Our personalized whole health approach and guidance helps your employees to access the right level of quality care at the right time.
Together, we can help your employees find the right accessibility, choice, and cost savings – helping them to stay healthy and bring their best to work every day.
Cigna Group Health Plans
OAP (Open Access Plus)
A large, seamless national network of quality providers and facilities with competitive network discounts. Plus, the option to choose a primary care provider to coordinate care and no referral requirements.
Cigna SureFit®
Customizable plans to meet the needs of each employee and employer in very select service areas.
Indemnity Plans (Network Savings Program)
With no network requirements, gives employees freedom to see any licensed provider or facility, and never need a referral to see a specialist.
PPO (Preferred Provider Organization)
A large, national network similar to OAP, but offers more choice with flexibility for out-of-network care.
HMO (Health Maintenance Organization)
Designed around a focused set of quality, cost-effective providers and facilities in certain local service areas.
LocalPlus®
Plans that give employees access to a focused, limited network of quality and cost effective providers and facilities, while still providing the security of having access to Away from Home Care.
Network
Designed around a focused set of quality, cost-effective providers and facilities in certain local service areas.
Savings and Spending Accounts
Most medical plans give you the flexibility to add a Health Savings Account (HSA) or Health Reimbursement Account (HRA).
Network Types
Our medical plans are divided into 2 main networks types: Large National Access and Local Solutions.
Large National Access Network
Provides employees with access to a large national network of quality providers and facilities. Employees have the choice to stay in-network or go out-of-network, but going out-of-network leads to higher out-of-pocket costs. Includes OAP and PPO plans.
Compare Large National Access Plans
| Plan name | Network type | In-network and out-of-network option | Primary Care Provider (PCP) required | Need referral to see a specialist | Wellness/Incentives (optional) 1 | Self-funded options | Option to offer HSA, HRA , or FSA |
|---|---|---|---|---|---|---|---|
| Open Access Plus (OAP) | Large (National) | Optional | |||||
| PPO | Large (National) |
Local Solutions Network
Provides employees with access to a local, limited network of quality providers and facilities. The size and scope of the local network varies by each type of plan. Includes LocalPlus, SureFit, HMO, and Network plans.
Compare Local Solutions Plans
| Plan name | Network type | In-network and out-of-network option | Primary Care Provider (PCP) required | Need referral to see a specialist | Wellness/Incentives (optional) 1 | Self-funded options | Option to offer HSA, HRA , or FSA |
|---|---|---|---|---|---|---|---|
| LocalPlus | Limited service areas with Away from Home Care. | Optional | |||||
| SureFit | Limited to very select service areas.* | In-network only | |||||
| HMO | Local |
(FSA)
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| Network | Local |
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(FSA)
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*Made up of a highly collaborative network of providers and facilities.
**In California, Network plans are insured by Cigna HealthCare of California, Inc.
1 Incentive programs are funded by the employer and may not be available with all product types
Group medical plans are insured and/or administered by Cigna Health and Life Insurance Company (CHLIC) or Connecticut General Life Insurance Company. HMO plans are insured by Cigna HealthCare of Arizona, Inc., Cigna HealthCare of California, Inc. (HMO and Network plans), Cigna HealthCare of Colorado, Inc., Cigna HealthCare of Connecticut, Inc., Cigna HealthCare of Florida, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Indiana, Inc., Cigna HealthCare of St. Louis, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of New Jersey, Inc., Cigna HealthCare of South Carolina, Inc., Cigna HealthCare of Tennessee, Inc. (CHC-TN), and Cigna HealthCare of Texas, Inc. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC); GSA-COVER, et al. (CHC-TN). Plans include exclusions and limitations and may not be available in all areas. For costs and details of coverage, contact a Cigna representative.