Group Health Insurance Plans
Our group health plans help your employees find the right level of quality care at the right time.
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.
PPO (Preferred Provider Organization)
A large, national network similar to OAP, but offers more choice with flexibility for out-of-network care.
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.
Cigna SureFit®
Customizable plans to meet the needs of each employee and employer in very select service areas.
HMO (Health Maintenance Organization)
Designed around a focused set of quality, cost-effective providers and facilities in certain local service areas.
Network
Designed around a focused set of quality, cost-effective providers and facilities in certain local 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.
Cigna Group Medicare Plans
Health care coverage options designed to meet the changing needs of your retired employees and your organization.
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
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Plan Name
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Network Type
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In-network and out-of-network option
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Primary Care Provider (PCP) required
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Need referral to see a specialist
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Wellness/Incentives (optional)1
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Self-funded options
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Option to offer HSA, HRA, or FSA
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Open Access Plus (OAP)
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Large (National)
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Optional
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PPO
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Large (National)
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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
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Plan name
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Network type
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In-network and out-of-network option
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Primary Care Provider (PCP) required
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Need referral to see a specialist
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Wellness/Incentives (optional)1
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Self-funded options
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Option to offer HSA, HRA, or FSA
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LocalPlus
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Limited service areas with Away from Home Care.
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Optional
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SureFit
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Limited to very select service areas.*
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In-network only
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HMO
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Local
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Network
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Local
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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.
CignaPlus Savings®
This program offers access to affordable dental care at discounted rates.
- Discount dental program: Customers get access to dental services at discounted rates and pay the entire discounted charge directly to participating dentists10
- Cost-effective option for employers who want to offer part-time employees, seasonal employees, and retirees access to affordable dental care
Explore Large National Access Plans
Explore Local Solutions Plans
Ready to assemble your benefits package?
Share these options or get in touch with one of our Cigna representatives.
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.
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Disclaimer
Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see
All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.