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Cigna Health Maintenance Organization (HMO) Medical Plans

Essential, quality, cost-effective care

Health Maintenance Organization (HMO) plans are available to organizations in 14 service areas. For most HMO plans, employees' care is coordinated by a primary care physician, which can help lower costs and improve health outcomes.

About the Network

The HMO network is designed around a focused set of quality, cost-effective doctors and hospitals in our 14 service areas. Employees access the HMO network in their local service area.

Search HMO network providers

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 HMO plans typically work:

Cigna HMO and Cigna HMO Point of Service

  • Primary care physician (PCP) selection is required
  • Referrals are required to see a specialist
  • Out-of-network care is excluded with a Cigna HMO plan, unless it's an emergency. Out-of-network care may be covered for Cigna HMO Point of Service plans at a higher cost.
  • Pre-certification may be required for hospitalizations and some types of outpatient care

Cigna HMO Open Access and Cigna HMO Point of Service Open Access

  • Primary care physician (PCP) selection is encouraged, but not required
  • Referrals are not required to see a specialist
  • Out-of-network care is excluded with a Cigna HMO Open Access plan, unless it's an emergency. Out-of-network care may be covered for Cigna HMO Point of Service Open Access plans at a higher cost.
  • Pre-certification may be required for hospitalizations and some types of outpatient care

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 emergencies1
  • Most plans offer access to Cigna's large national network of labs, x-ray and radiology offices, and dialysis centers
  • Option for employers to bundle pharmacy, behavioral health, dental, and more
  • Optional health and wellness incentive programs to encourage and reward employees2
  • Dedicated client service team

Choose a benefit strategy that helps meet your goals

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

1For Emergency Services as defined by the applicable plan documents.

2Incentive programs are funded by the employer and may not be available with all product types

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 details of coverage, contact a Cigna representative. Cigna HMO plans are offered by Cigna HealthCare of Arizona, Inc., Cigna HealthCare of California, Inc., 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., and Cigna HealthCare of Texas, Inc. TN policy form: GSA-COVER, et al. Out-of-network benefits for POS plans are insured and/or administered by Connecticut General Life Insurance Company or Cigna Health and Life Insurance Company.