Medical Network Plans
Plans designed for you to work with your primary care provider (PCP) to help coordinate your care.
What are Medical Network Plans?
These health plans offer you cost-efficient access to a local network that's limited to quality doctors, specialists and hospitals, right where you live, and who understand the needs of your community.
Medical Network Plans At-a-Glance
|
|
Medical Network Plan
|
Medical Network Point of Service Plan
|
Medical Network Open Access Point of Service Plan
|
|---|---|---|---|
| In-Network PCP Required? |
Yes |
Yes |
Optional
|
| Specialist Referrals Needed? |
(Except for OB/GYN services) |
(Except for OB/GYN services) |
No referral needed
|
| Out-of-Network Coverage Included? |
Emergencies only* |
Coverage included at a cost |
Coverage included at a cost |
Medical Network Plan
- In-network primary care provider (PCP) required for yourself and your covered dependents.
- Referrals needed from your PCP for specialists, except for OB/GYN services.
- Out-of-network services will only be covered in emergencies*.
- Prior authorizations (pre-approval) may be needed for hospitalizations and some types of outpatient care.
- Plans include global emergency and urgent care coverage*, 24/7.
Medical Network Point of Service Plan
- A primary care provider (PCP) is required for yourself and your covered dependents.
- Referrals needed from your PCP for specialists, except for OB/GYN services.
- Out-of-network services are covered but you will have higher out-of-pocket costs and you may need to file a claim.
- Prior authorizations (pre-approval) may be needed for hospitalizations and some types of outpatient care.
- Plans include global emergency and urgent care coverage*, 24/7.
Being offered a Cigna Healthcare Medical Network 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 HealthcareSM 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.
*For emergency and urgent care services as defined by your plan documents.
1Customers under age 13 (and/or their parent/guardian) will not be able to register at
In California, Medical Network health plans are insured by Cigna HealthCare of California, Inc. In other states, plans are insured 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: OK - HP-APP-1 et al., TN - HP-POL43/HC-CER1V1 et al. (CHLIC).
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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