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Home Individuals & Families Shop for Plans Plans Through Your EmployerOpen Access Plus (OAP) Plans

Open Access Plus (OAP) Plans

Cigna's 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

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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 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 Cigna's 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

Are you a new member?

If you've recently enrolled in a Cigna plan through your employer, here are next steps:

Activate your myCigna account1

Check out member programs and services

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.


Find a plan that's right for you

View Cigna 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.

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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 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 Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna.

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