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Cigna LocalPlus® Plans

We can help you save more on quality care.

Cigna LocalPlus delivers a cost effective solution designed to be flexible and help you control health care costs, without sacrificing the quality and convenience your employees want and expect.

About the Network

Cigna collaborates with health care communities to create local, limited networks of health care providers, specialists, and hospitals that deliver value and results right where your employees live. Employees can access the LocalPlus network in any of our 30+ service areas, which continue to grow. When traveling outside a LocalPlus service area, employees may use the nationwide Away from Home Care feature which provides coverage at in-network cost, for added peace of mind.

Search LocalPlus network providers

State Service areas




Northern (Bay Area, Greater Sacramento Area, Central Valley)
Southern (All counties)


Front Range (Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, El Paso, Jefferson, Larimer, and Weld counties)
Mountain (Eagle, Rout, and Summit counties)
Southwest (La Plata, Mesa, and Montezuma counties)


South Florida




Chicago and NW Indiana areas




Statewide (excluding Dukes and Nantucket counties)




St. Louis
Kansas City


Las Vegas

New Jersey



Statewide (excluding Malheur county)

Rhode Island


South Carolina

Greenville and Spartanburg areas




Dallas/Ft. Worth
San Antonio


Salt Lake City



Typical Plan Structure

Your plan will vary based on what you discuss with your local Cigna representative, but here is a basic summary of how the LocalPlus plan typically works:

  • Primary care physician (PCP) selection is encouraged, but not required.
  • Referrals are not required to see a specialist.
  • Out-of-network coverage is included at a higher out-of-pocket cost, or excluded with a lock-in option on this plan.
  • Premiums for LocalPlus plans are often lower than Cigna PPO and OAP plans, thanks to the local, limited network.
  • Away From Home Care feature provides nationwide coverage at in-network cost.
  • Deductibles can be lower to limit the cost burden on employees, while still encouraging smart health spending. Cost-sharing options are available through customized deductibles, copays, coinsurance, and out-of-pocket maximums.

Benefits of Cigna Medical Plans

  • 24/7/365 live customer service, when and where employees need it
  • Digital tools for employees, including the myCigna® mobile app
  • Worldwide in-network coverage for emergencies3
  • Most plans offer access to Cigna's large national network of labs, x-ray and radiology offices, and dialysis centers
  • Option for employers to offer consumer driven health plan (CDHP) accounts, including health reimbursement accounts (HRAs,) health savings accounts (HSAs), and flexible spending accounts (FSAs) (available with most plan types)
  • Option for employers to bundle pharmacy, behavioral health, dental, and more.
  • Optional health and wellness incentive programs to encourage and reward employees4
  • Self-funded and fully insured funding options for employers, if applicable
  • Dedicated client service team

LocalPlus Gets Results

When compared to clients in similarly designed Cigna Open Access Plus plans, LocalPlus clients could save up to 20% in total medical costs.2

Save more on quality care with Cigna LocalPlus

Contact your broker or connect with a Cigna representative to discuss your organization’s unique needs.

1This listing is not all inclusive and is as of September 2020; subject to change.

2Potential savings estimated, based on an internal national Cigna study conducted in 2019 comparing Cigna’s LocalPlus and LocalPlus IN plans with Cigna’s Open Access Plus (OAP) and Open Access Plus IN (OAPIN) plans with the same benefit structure, deductibles, copay and out-of-pocket maximum limits. Savings are not guaranteed and will vary depending on plan design, geographic distribution and utilization patterns. Medical cost savings do not directly translate to rate or premium rates.

3For Emergency Services as defined by the applicable plan documents.

4Incentive programs are funded by the employer and may not be available with all product types

This plan provides access to a network that is smaller than Cigna’s national Open Access Plus (OAP) network. In this plan customers have access to in-network benefits only from the health care professionals and facilities in the LocalPlus network when in a LocalPlus Network service area. Please consult the limited network directory or visit the online directory at to determine which health care professionals and facilities are included in the LocalPlus network. For a paper copy, contact your Cigna representative.

LocalPlus plans are insured and/or administered by Cigna Health and Life Insurance Company. Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and complete details of coverage, contact your Cigna representative. TN policy form: TN - HP-POL43/HC-CER1V1 et al.