Plans and Services
- Medical
- Pharmacy
- Health and Wellness Programs
- Behavioral Health Programs
- Dental and Vision
- Health Savings and Spending Accounts
- Cost Control Strategies
- Supplemental Health Solutions
- Accidental Injury, Critical Illness, and Hospital Care (Indemnity) Insurance
Who We Serve
By Size
- Small Businesses (2-99 employees)
- Small to Midsize Businesses (100-499 employees)
- Midsize to Large Businesses (500-2,999 employees)
- Large Businesses (3,000+ employees)
By Type
- Hospitals and Health Systems
- Higher Education
- K-12 Education
- State and Local Governments
- Taft-Hartley and Federal
- Third-Party Administrators
- View all business types
International
- Health Insurance for Expats
- IGO/NGOs
- Multinational Businesses
Employer Resources
- Cigna for Employers Portal Features
- Learn more about the tools and resources you'll have access to in the Cigna for Employers online portal.
Plans and Services
Plans and Services
Who We Serve
Who We Serve
- Small Businesses (2-99 employees)
- Small to Midsize Businesses (100-499 employees)
- Midsize to Large Businesses (500-2,999 employees)
- Large Businesses (3,000+ employees)
- Hospitals and Health Systems
- Higher Education
- K-12 Education
- State and Local Governments
- Taft-Hartley and Federal
- Third-Party Administrators
- View all business types
- Health Insurance for Expats
- IGO/NGOs
- Multinational Businesses
Employer Resources
Employer Resources
LocalPlus® Plans
Delivers a flexible, cost-effective solution designed to help control health care costs, without sacrificing the quality and convenience your employees want and expect.
Building a new benefits package?
LocalPlus Health Insurance Plans Overview
Cigna HealthcareSM* LocalPlus plans are locally focused which allows for cost savings to be passed on to you and your employees. We collaborate with health care communities to create local, limited networks of health care providers, specialists, and hospitals to provide support where your employees live. Employees can access the Cigna Healthcare LocalPlus network in 30+ service areas. When employees are temporarily outside of a LocalPlus service area, they may use the Away from Home Care feature which provides nationwide coverage at in-network cost.
Premiums for LocalPlus plans are often lower than Preferred Provider Organization (PPO) and Open Access Plus (OAP) plans, due to the local, limited network. Deductibles for LocalPlus plans can also be lower and cost-sharing options are available through customized deductibles, copays, coinsurance, and out-of-pocket maximums.
Your plan will vary based on what you discuss with your local Cigna Healthcare representative, but here is a basic summary of how LocalPlus plans typically work:
|
Plan Features
|
LocalPlus Plan
|
|---|---|
|
PCP Required
|
|
|
PCP Auto-Assignment Included
|
|
|
Referrals to Specialists Required
|
|
|
Out-of-Network Coverage
|
|
|
Urgent/Emergent Services Coverage
|
|
|
Self-funded Options Available
|
|
|
Option to Offer HSA, HRA, or FSA
|
|
** Lock-in plans are available to restrict out-of-network coverage.
View list of areas where LocalPlus plans are available1
|
State
|
Service Areas
|
|---|---|
|
Arkansas
|
Statewide
|
|
Arizona
|
Phoenix
Tucson |
|
California
|
North (Bay Area, Greater Sacramento Area, Central Valley)
South (All counties) |
|
Colorado
|
Front Range (Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, El Paso, Jefferson, Larimer, and Weld counties)
Mountain (Eagle, Routt, and Summit counties) West (La Plata, Mesa, and Montezuma counties) |
|
Florida
|
Orlando
South Florida Tampa |
|
Georgia
|
Atlanta
Augusta Columbus Macon Northeast Northwest Rome Savannah |
|
Illinois
|
Chicago and NW Indiana areas
|
|
Kansas
|
Wichita
|
|
Maryland
|
Statewide
|
|
Massachusetts
|
Statewide (excluding Dukes and Nantucket counties)
|
|
Missouri
|
St. Louis
Kansas City |
|
Nevada
|
Las Vegas
Reno |
|
New Jersey
|
North
South |
|
Oregon
|
Statewide (excluding Malheur county)
|
|
Rhode Island
|
Statewide
|
|
Tennessee
|
Statewide
|
|
Texas
|
Austin
Dallas/Ft. Worth Houston San Antonio |
|
Utah
|
Salt Lake City
Northeast |
|
Washington
|
Statewide
|
LocalPlus gets results
When compared to clients in similarly designed Cigna OAP plans, LocalPlus clients could save up to 18% in total medical costs.2
Find in-network providers
Staying in-network can help your clients lower costs.
View prescription drug lists
Visit our Knowledge Center for helpful information you can share with your employees:
Explore Products and Solutions
*Offered by Cigna Health and Life Insurance Company or its affiliates
View Cigna Healthcare Company Names
1 This listing is not all inclusive and is as of January 2023; subject to change.
2 Potential savings estimated, based on an internal national Cigna Healthcare study conducted in 2022 comparing our LocalPlus and LocalPlus IN plans with our 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.
This plan provides access to a network that is smaller than our 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 Cigna.com to determine which health care professionals and facilities are included in the LocalPlus network. For a paper copy, contact your Cigna Healthcare representative.
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 Healthcare representative.
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT), or its affiliates. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT). 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).
©
Let's Get Started
Thank you for your interest in Cigna Healthcare. Please provide some basic information about your company and a representative will contact you.
Thank you
Your data has been submitted.Oops!
There was a problem submitting your data, please try again later.I want to...
Audiences
Secure Member Sites
The Cigna Group Information
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 a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.
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 Healthcare sales representative. This website is not intended for residents of Arizona and New Mexico.