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Cigna Medical Network Plans

Cost-effective care to help your employees stay healthy.

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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.

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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
  • 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 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 employees2
  • 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.

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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

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.

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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 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 Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna.

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.

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