What is an Open Access Plus (OAP) plan?

Open Access Plus (OAP) is a type of health insurance plan or health benefits plan that allows you to choose your health care providers. You may have to pay a deductible (annual amount) before the plan begins to pay for covered health care costs. Once you meet your deductible, you pay a copay or coinsurance (a portion of the charges). Depending on what your employer offers, plans may be different.

Cigna Open Access Plus and Cigna Open Access Plus In-Network plans have similar key 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.
  • Cigna may need to pre-certify hospitalizations and some types of outpatient care, but there's no paperwork for you when using in-network providers.
  • The plans include emergency and urgent care coverage* 24 hours a day, seven days a week.

It’s also important to know how these two plans are different:

Cigna Open Access Plus

  • You don't need referrals to see specialists.
  • You have coverage for out-of-network services, but you will have higher out-of-pocket costs and you may need to file a claim.

Watch Cigna's OAP plan video to learn more.

Cigna Open Access Plus In-Network

  • You don't need referrals for in-network specialists.
  • Out-of-network services are not covered unless it’s an emergency as defined by your plan documents.

Watch Cigna's OAP In-Network plan video to learn more.

*Emergency Services and Urgent Care Services as defined by your plan documents are covered at the in-network level.

In Texas, Open Access Plus plans are considered Preferred Provider plans, and Open Access Plus In-Network plans are considered Exclusive Provider plans, with certain managed care features.