Preferred Provider Organization (PPO)
Choose from a large network of providers without being required to select a primary care provider (PCP).
What is a PPO Plan?
Preferred Provider Organization (PPO) is a health plan that offers a large network of participating providers and facilities so you have a range of doctors and hospitals to choose from.
PPO plan features
- If you choose to get care outside of the network (such as a physician, hospital, clinic or pharmacy), those out-of-network services will be covered at a higher cost to you and will have to submit claims yourself. You will also need to meet a separate out-of-network deductible. However, eligible emergency care is always covered, even out-of-network.
- The PPO plan includes global emergency and urgent care coverage* 24 hours a day, seven days a week.
Being offered a PPO 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 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.
*Emergency and urgent care services as defined by your plan documents are covered at the in-network level.
1Customers under age 13 (and/or their parent/guardian) will not be able to register at
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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The Cigna Group Information
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