Skip to main navigation Skip to main content Skip to footer For Medicare For Providers For Brokers For Employers Español For Individuals & Families: For Individuals & Families Medical Dental Other Supplemental Explore coverage through work How to Buy Health Insurance Types of Dental Insurance Open Enrollment vs. Special Enrollment See all topics Shop for Medicare plans Member Guide Find a Doctor Log in to myCigna
Home Individuals & Families Shop for Plans Plans Offered Through Your EmployerHealth Maintenance Organization (HMO) Plans

Cigna Health Maintenance Organization (HMO) Plans

Includes global emergency and urgent care coverage* 24 hours a day, seven days a week.

What is an HMO Plan?

A Health Maintenance Organization (HMO) health plan offers a local network of doctors and hospitals for you to choose from.

Cigna HMO Plans At-a-Glance

Error loading table data.

Loading data...

What are Cigna HMO Open Access and Point of Service Open Access Plans?

An HMO Open Access, or Health Maintenance Organization Open Access plan, is type of health plan that offers you flexible coverage along with tools and resources.

Cigna HMO and HMO Point of Service Plan features

  • You will need to select an in-network primary care provider (PCP) for yourself and your covered dependents. You can change your PCP at any time.
  • The PCP you choose will coordinate your health care needs and refer you to specialists as needed except for OB/GYN services. You don't need a referral for OB/GYN services. Cigna may need to pre-certify hospitalizations and other outpatient care, but there's no paperwork for you when using in-network providers.

Cigna HMO Open Access and HMO Point of Service Open Access Plan features

  • You have the option of choosing a primary care provider (PCP) to serve as your personal health advocate and coordinate your health care. It’s recommended, but it is not required.
  • You don’t need referrals for in-network specialists however if you do see a PCP, they may refer you to a specialist after the initial exam. Cigna may need to pre-certify hospitalizations and other outpatient care, but there's no paperwork for you when using in-network providers.

Cigna HMO and HMO Open Access out-of-network services

  • Out-of-network services will only be covered if the treatment is considered emergency or urgent care as defined by your health plan documents.

Cigna HMO Point of Service and HMO Point of Service Open Access out-of-network services

  • Out-of-network services may be covered but you will pay more out of pocket and you may need to file a claim.

Being offered a Cigna HMO plan through work?

Use these helpful tools to help with your enrollment decisions.

Find in-network doctors

To find in-network providers, procedures, cost estimates, and more, search Cigna's provider directory.

Are your prescription drugs covered?

To find out which drugs are covered by your plan, use the Prescription Drug List.

Next steps for shoppers

You'll most likely enroll in your plan using your employer's enrollment tool/website. If not, check with your HR department.

Need help understanding how insurance plans work? To learn more, visit the Knowledge Center

Are you a new member?

If you've recently enrolled in a Cigna plan through your employer, here are next steps:

Activate your myCigna account1

Check out member programs and services

Buying a plan on your own?

This page features plans you get through an employer. If you're looking for plans you can buy for yourself or your family, we can help get you there.

Find a plan that's right for you

View Cigna Company Names

*Emergency and urgent care services as defined by your health plan documents will be covered at the in-network level.

1 Customers under age 13 (and/or their parent/guardian) will not be able to register at myCigna.com.

Cigna HMO plans are offered by Cigna HealthCare of Arizona, Inc., Cigna HealthCare of California, Inc., 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 (CHC-TN), Inc., and Cigna HealthCare of Texas, Inc. Plans contain exclusions and limitations and may not be available in all areas. For costs and details of coverage, see your plan documents. CHC-TN policy form: GSA-COVER, et al. 

This page is not intended for use in AZ, NM, WA

Page Footer

I want to...

Get an ID card File a claim View my claims and EOBs Check coverage under my plan See prescription drug list Find an in-network doctor, dentist, or facility Find a form Find 1095-B tax form information View the Cigna Glossary Contact Cigna

Audiences

Individuals and Families Medicare Employers Brokers Providers

Secure Member Sites

myCigna member portal Health Care Provider portal Cigna for Employers Client Resource Portal Cigna for Brokers

Cigna Company Information

About Cigna Company Profile Careers Newsroom Investors Suppliers Third Party Administrators International Evernorth

 Cigna. All rights reserved.

Privacy Legal State Policy Disclosures, Exclusions, and Limitations Transparency in Coverage Customer Rights Accessibility Non-Discrimination Notice [PDF] Language Assistance [PDF] Report Fraud Sitemap

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 Georgia, Inc., Cigna HealthCare of Illinois, Inc., and Cigna HealthCare of North Carolina, 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). Group Universal Life (GUL) insurance plans are insured by CGLIC. Life (other than GUL), accident, critical illness, hospital indemnity, and disability plans are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). 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.

 Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website. Cigna may not control the content or links of non-Cigna websites. Details