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Cigna Open Access Plus Medical Plans

Choices for employees with competitive network discounts.

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For organizations outside of our LocalPlus® service areas , Open Access Plus health plans provide employees with access to a large national network of quality providers.

About the Network

Cigna's large provider network makes it easy for employees to get quality in-network care. Our Cigna Collaborative Care1 value-based arrangements are embedded in our network. Through the Open Access Plus National Network, 99% of Cigna customers have access to a Collaborative Care physician in the top 40 markets.2

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 Open Access Plus plans typically work:

Open Access Plus 

  • Primary care physician (PCP) selection is recommended to serve as the employee's personal health advocate. PCP selection is not required.
  • Referrals are not required to see a specialist
  • Out-of-network coverage is included at a higher out-of-pocket cost
  • Pre-certification may be required for hospitalizations and some types of outpatient care
  • Cost control through customizable plan designs

Open Access Plus In-Network 

  • Primary care physician (PCP) selection is recommended to serve as the employee's personal health advocate. PCP selection is not required.
  • Referrals are not required to see a specialist
  • Out-of-network care is excluded from coverage, unless it's an emergency
  • Pre-certification may be required for hospitalizations and some types of outpatient care

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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 emergencies3
  • Most plans offer access to Cigna's large national network of labs, x-ray and radiology offices, and dialysis centers
  • Option for employers to offer consumer driven health plan (CDHP) accounts, including health reimbursement accounts (HRAs,) health savings accounts (HSAs), and flexible spending accounts (FSAs) (available with most plan types) Option for employers to bundle pharmacy, behavioral health, dental, and more
  • Optional health and wellness incentive programs to encourage and reward employees4
  • 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 your Cigna representative to learn more about our Open Access plans.

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1Cigna Collaborative Care (CCC) is Cigna's approach to achieving the same population health goals as ACOs: better health, affordability and experience. CCC participating providers are not available in all areas.

2Cigna August 2017 analysis of national medical book of business customers in the top 40 US markets, defined by market size, within 15-mile zip code radius (zip code to zip code distance) of one CCC primary care physician. Subject to change.

3For Emergency Services as defined by the applicable plan documents.

4Incentive programs are funded by the employer and may not be available with all product types

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.

Cigna Open Access Plus plans are insured and/or administered by Cigna Health and Life Insurance Company. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al.

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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 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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