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  • Home Employers Group Health Insurance Medical Plans Cigna Open Access Plus (OAP)

    Cigna Open Access Plus (OAP) Medical Plans

    Providing employees with access to a large national network of quality providers and discounts.

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    OAP Medical Plans Overview

    Our OAP plans offer a large, seamless national network of quality providers and facilities with competitive network discounts. Plus, the option to choose a Primary Care Provider (PCP) to coordinate care with no referral requirements. OAP plans can steer employees to in-network providers through coinsurance differentials, Tiered Benefits, and higher-performing Cigna Healthcare Care Designation1 providers that cover 21 specialties.

    Compare OAP Medical Plans

    Your plan will vary based on what you discuss with your local Cigna HealthcareSM* representative, but here is a basic summary of how OAP plans typically work:

     
    Open Access Plus
    Open Access Plus In-Network
    PCP Required
    Recommended but not required
    Recommended but not required
    PCP Auto-Assignment Included
    Referrals to Specialists Required
    Included at a higher out-of-pocket cost
    Excluded from coverage unless it's an emergency***
    Out-of-Network Coverage
    **
    **
    Urgent/Emergent Services Coverage
    Prior Authorization Required
    May be required for hospitalizations and some types of outpatient care
    May be required for hospitalizations and some types of outpatient care
    Self-funded Options
    Option to Offer HSA, HRA, or FSA

    ** Lock-in plans are available to restrict out-of-network coverage.

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

    Find in-network providers

    Staying in-network can help your clients lower costs.

    View prescription drug lists

    See which drugs are covered by your plan.

    Visit our Knowledge Center for helpful information you can share with your employees:

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    Explore Products and Solutions

    *Offered by Cigna Health and Life Insurance Company or its affiliates

    In Utah, plans are offered by Cigna Health and Life Insurance Company.

    View Cigna Healthcare Company Names

    1 Patient experience, quality designations, cost-efficiency and other ratings found in Cigna Healthcare's online provider directories are a partial assessment of quality and should not be the only basis for decision-making (as such measures have a risk of error). They are not a guarantee of the quality of care that will be provided to individual patients. Individuals are encouraged to consider all relevant factors and talk with their physician about selecting a health care facility. Providers are solely responsible for any treatment provided and are not agents of Cigna Healthcare.

    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 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.

    © 2023 Cigna Healthcare.

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    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.

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