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The Clearity Plan
A copay-only health plan that allows you to see upfront costs before you receive care.
What is the Clearity plan?
The Clearity plan is a new copay-only health insurance plan designed to help you make confident, informed health care decisions. Unlike traditional plans, there are no deductibles and no coinsurance. Just an easy-to-use plan with simple, upfront costs that you manage completely through the myCigna® app or on myCigna.com.1
How does the Clearity plan work?
The Clearity plan allows you to see your costs up front, find care fast, and get the support you need, all in one place.
No deductibles. No coinsurance.
You pay a set copay when you get care.
Easy to use, anytime.
Manage your plan and compare costs on your phone or computer, day or night.
- Log in to myCigna to find care options and compare costs across providers.
- Search for care by typing in your symptoms, like “sore throat” or “sprained ankle.” You’ll instantly see nearby providers, copay costs, contact info, and verified patient reviews.
What you see is what you pay.
The copay shown is the cost you’ll pay for your visit.
See How the Clearity Plan Works
See How the Clearity Plan Works
Cost-saving tip: Check myCigna before your appointments so you always know your cost ahead of time.
Choose and pay for care with confidence.
Learn more about how the Clearity health insurance plan works.
How to Know Before You Go
With the Clearity plan, the copay you choose is what you will pay.
How to Find Care
Find the right provider for you by comparing costs, locations, and verified patient reviews.
How to Control Costs
Use the myCigna app every time you need care to better manage costs.
Clearity Frequently Asked Questions (FAQs)
We know health insurance can be confusing, especially when you’re exploring something new. These answers can help you choose with confidence.
Can I use my current doctors on this plan?
The Clearity plan is built on our biggest network, the Cigna Healthcare Open Access Plus® (OAP) network. So you may find that your doctor is still in-network. You can easily search for providers in the Clearity plan network by searching our provider directory.
What costs am I responsible for with the Clearity plan?
Like most traditional health plans, you will pay an insurance premium to your employer. Then, each time you receive care, you’ll pay a set copay amount. Copays will continue to apply until you reach your out-of-pocket maximum.
What does "no deductibles and no coinsurance" mean?
"No deductibles" means there is no need to pay a set amount for covered medical services each year before the plan begins to pay for benefits. With the Clearity plan, you are only responsible for your copay amounts.
"No coinsurance" means that, instead of paying a percentage of total medical costs after meeting a deductible, you are only responsible for your copay amounts.
When is the copay due?
Every doctor’s office manages their billing differently. You may be asked to pay your copay upfront, or you may be billed for it after your visit.
What if I need to have a test or see a specialist?
If your provider recommends additional care, like a lab test, imaging, a specialist visit, or even a new prescription, log in to the myCigna app to compare copay costs and provider options. Share the information you find with your doctor to help you choose the best care for your needs and budget.
Can I use my Health Savings Account (HSA) with this plan?
Being offered a Clearity plan through work?
Use these helpful tools to help with your enrollment decisions.
Check if your doctors are in-network
Next steps for health plan 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 Healthcare® plan through your employer, be sure to create an account on myCigna.
View Cigna Healthcare Company Names
1 Customers under age 13 (and/or their parent/guardian) will not be able to register at myCigna.com.
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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 Florida, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North 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, 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.
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 Healthcare sales representative. This website is not intended for residents of New Mexico.
La aseguradora publica el formulario traducido para fines informativos y la versión en inglés prevalece para fines de solicitud e interpretación.
The insurer is issuing the translated form on an informational basis and the English version is controlling for the purposes of application and interpretation.