Skip to main navigation Skip to main content Skip to footer
  • For Medicare
  • For Providers
  • For Brokers
  • For Employers
  • Search
    Search
    EspaƱol
  • For Individuals & Families:
  • For Individuals & Families:
  • Shop for Plans

    Shop for Plans

    • Plans through your employer
    • Learn about the medical, dental, pharmacy, behavioral, and voluntary benefits your employer may offer.
    • Explore coverage through work
  • Log in to myCigna
  • Log in to myCigna
  • Shop for Plans

    Shop for Plans

  • Member Guide
  • Find a Doctor
  • Home Individuals & Families Shop for Plans Plans Offered Through Your Employer Open Access Plus (OAP) Plans

    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

    Are you a new member?

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

    Activate your myCigna account1Check 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 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.

    I want to...
  • Get an ID card
  • File a claim
  • View my claims and EOBs
  • Check coverage under my plan
  • See prescription drug list
  • Find an in-network doctor, dentist, or facility
  • Find a form
  • Find 1095-B tax form information
  • View the Cigna Healthcare Glossary
  • Contact Cigna Healthcare
  • Audiences
  • Individuals and Families
  • Medicare
  • Employers
  • Brokers
  • Providers
  • Secure Member Sites
  • myCigna member portal
  • Health Care Provider portal
  • Cigna for Employers
  • Client Resource Portal
  • Cigna for Brokers
  • The Cigna Group Information
  • About Cigna Healthcare
  • The Cigna Group
  • Careers
  • Newsroom
  • Investors
  • Suppliers
  • Third Party Administrators
  • International
  • Evernorth Health Services
  • Cigna Healthcare. All rights reserved.
  • Privacy
  • Terms of Use
  • Legal
  • State Policy Disclosures, Exclusions, and Limitations
  • Transparency in Coverage
  • Customer Rights
  • Accessibility
  • Non-Discrimination Notice
  • Language Assistance [PDF]
  • Report Fraud
  • Sitemap
  • Washington Consumer Health Data Privacy Notice
  • Cookie Settings
  • 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 Healthcare representative.

    All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group 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 The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc. This website is not intended for residents of Arizona and New Mexico.

    Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna Healthcare website. Cigna Healthcare may not control the content or links of non-Cigna Healthcare websites. Details