LocalPlus Plans
Save more on quality care.
What are Cigna LocalPlus Plans?
The Cigna LocalPlus® Network plan delivers a cost effective solution designed to be flexible and help you control health care costs - without sacrificing the quality and convenience you want and expect. We collaborate with health care communities to create local, limited, networks of health care providers, specialists and hospitals that deliver value and results right where you live.*
LocalPlus plan features
- PCP not required, but recommended
- No referrals needed to see LocalPlus network specialists
- In-network coverage for care from LocalPlus network providers only, where available
- Temporarily away from home without access to LocalPlus, use the "Away From Home Care" feature to find covered doctors and hospitals
- If you’re in an area where the LocalPlus Network is available and you choose to go outside the LocalPlus Network (or outside the Away From Home Care feature when LocalPlus isn’t available), you will receive out-of-network coverage
- Prior authorizations (pre-approval) for hospitalizations and some outpatient procedures may be required
- Global coverage for urgent care and emergency** situations, 24/7
LocalPlus In-Network plan features
- PCP not required, but recommended
- No referrals needed to see LocalPlus In-Network specialists
- In-network coverage for care from LocalPlus In-Network providers only, where available
- Away from home without access to LocalPlus In-Network, use the "Away From Home Care" feature to find covered doctors and hospitals
- Prior authorizations (pre-approval) for hospitalizations and some outpatient procedures may be required
- If you’re in an area where the LocalPlus In-Network is available and you choose to go outside the LocalPlus In-Network (or outside the Away From Home Care feature when LocalPlus isn’t available), your care will not be covered by the plan (except in an emergency as defined by your plan documents)
- Global coverage for urgent care and emergency** situations, 24/7
VIDEO
LocalPlus Plans
Watch this short video to learn more about the LocalPlus plan and how it works. (Length: 01:39)
Being offered a LocalPlus plan through work?
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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
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If you've recently enrolled in a Cigna 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
MASSACHUSETTS Residents: LocalPlus® Plan Participants: LocalPlus is a Limited Provider Network. This plan provides access to a network that is smaller than Cigna’s national Open Access Plus (OAP) network. In this plan you have access to in-network benefits only from the health care providers and facilities in the LocalPlus Network when in a LocalPlus Network service area. Please consult the limited network directory to determine which doctors and hospitals are included in the LocalPlus Network. For a paper copy, please ask your employer.
* LocalPlus and LocalPlus In-Network plans provide access to network that is smaller than Cigna’s national Open Access Plus (OAP) network. In these plans you have access to in-network benefits only from the health care providers and facilities in the LocalPlus network when in a LocalPlus network service area. Please consult the limited network directory to determine which doctors and hospitals are included in the LocalPlus network.
** Emergency Services and urgent care services as defined by your plan documents will be covered at the in-network level.
In Texas, LocalPlus plans are considered Preferred Provider plans, and LocalPlus IN plans are considered Exclusive Provider plans, with certain managed care features.
Medical plans are insured and/or administered by Cigna Health and 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. TN policy form: HP-POL43/HC-CER1V1 et al.
This page is not intended for use in AZ, OH
Video: LocalPlus Plans
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Disclaimer
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