Exclusive Provider Organization (EPO) Plan
Choose from a large, national network of providers and facilities.
What is an EPO Plan?
An Exclusive Provider Organization (EPO) is a health plan that offers access to a large, national network of providers and facilities for you to choose from. However, if you choose out-of-network health care providers, it usually will not be covered.
Cigna Healthcare EPO plan features
- If you get medical care outside of your plan’s network (such as a doctor, hospital, clinic or pharmacy that is not a Cigna HealthcareSM EPO provider), those out-of-network services are typically not covered under your EPO health plan.
- In an emergency (as defined in your plan documents), you will be covered. However, non-emergency hospital stays other than maternity stays and some outpatient procedures must be approved in advance.
Being offered a Cigna Healthcare EPO plan through work?
Find in-network doctors
To find in-network providers, procedures, cost estimates, and more,
Are your prescription drugs covered?
To find out which drugs are covered by your plan, use the
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
Are you a new member?
If you've recently enrolled in a Cigna Healthcare plan through your employer, here are next steps:
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.
1 Customers under age 13 (and/or their parent/guardian) will not be able to register at
Medical plans are insured and/or administered by Cigna Health and Life Insurance Company (CHLIC) or Connecticut General Life Insurance Company. Plans contain exclusions and limitations and may not be available in all areas. For costs and details of coverage, see your plan documents. Policy forms: OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC).
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The Cigna Group Information
Product availability may vary by location and plan type and is subject to change. All health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna representative.
All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, 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