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Cigna Medical Network Plans

Cost-effective care to help your employees stay healthy

Network plans are available to organizations in certain service areas. For most Network plans, employees' care is coordinated by a primary care physician, which can help lower costs and improve health outcomes.

About the Network

Cigna's network is designed around a focused set of quality, cost-effective doctors and hospitals.

Search 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 Network plans typically work:

Network and Network Point of Service

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

Network 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 from coverage unless it’s a emergency. Out-of-network coverage is included for Network Open Access Point of Service pans at a higher out-of-pocket 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
  • Award-winning digital tools for employees including the myCigna mobile app
  • Worldwide in-network coverage for emergencies
  • Access to Cigna's large national network of labs, x-ray and radiology offices, and dialysis centers
  • Option for employers to include Flexible spending accounts (FSAs) (for most plan types)
  • Option for employers to bundle pharmacy, behavioral health, dental, and more
  • Optional health and wellness incentive programs to encourage and reward employees
  • Self-funded and fully insured funding options for employers, if applicable
  • Dedicated client service team

Ready to assemble your benefits package?

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

Cigna Network medical plans are insured and/or administered by Cigna Health and Life Insurance Company, except in California where Network/HMO plans are insured by Cigna HealthCare of California, Inc. 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.