Open Access Plus (OAP) Plans
Our OAP plans offer flexibility when choosing a primary care provider (PCP).
What is an Open Access Plus (OAP) plan?
Open Access Plus (OAP) plans make it easy to get quality, in-network care with access to a large, national network of providers. Plus, you have the option to choose a primary care provider to coordinate your care and you don't need specialist referrals.
OAP Plans At-a-Glance
| Cigna Open Access Plus Plan | Cigna Open Access Plus In-Network Plan | |
|---|---|---|
| In-Network PCP Required? | Optional | Optional |
| Specialist Referrals Needed? | Not required | Not required |
| Out-of-Network Coverage Included? | Coverage included at a cost | Emergencies Only |
| Emergency and Urgent Care Coverage | Included | Included |
Cigna Open Access Plus (OAP)
- No referrals needed to specialists
- Out-of-network services are covered but you will have higher out-of-pocket costs and you may need to file a claim
- Choosing a primary care provider (PCP) to serve as your personal health advocate and coordinate your care is recommended, but not required
- Prior authorizations (pre-approval) may be required for hospitalizations and some types of outpatient care
- Plans include emergency and urgent care coverage*, 24/7
Cigna Open Access Plus In-Network
- No referrals needed to see in-network specialists
- Out-of-network services will only be covered in emergencies*
- Choosing a primary care provider (PCP) to serve as your personal health advocate and coordinate your care is recommended, but not required
- Prior authorizations (pre-approval) for hospitalizations and some outpatient procedures may be required
- Includes emergency and urgent care coverage*, 24/7
Being offered a Cigna Healthcare OAP plan through work?
Use these helpful tools to help with your enrollment decisions.
Find in-network doctors
To find in-network providers, procedures, cost estimates, and more, search our provider directory.
Are your prescription drugs covered?
To find out which drugs are covered by your plan, use the Prescription Drug List.
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 Knowledge Center
View Cigna Healthcare Company Names
1 ;Customers under age 13 (and/or their parent/guardian) will not be able to register at myCigna.com.
*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. 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: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al.