How to Control Health Care Costs With the Clearity Plan

How does this plan help me control my health care costs?

With Clearity, finding a doctor or provider that fits your health care needs and your budget is simple, fast, and reliable.

Clearity has no deductibles and no coinsurance. When you need care, you'll pay your doctor or provider a set cost, or copay, for your care. That's it. You can compare copays for different doctors or providers quickly and easily on the myCigna^® app or myCigna.com.¹

Here are two examples of how Clearity works:

Urgent Care

Some conditions like the flu, strep, upper respiratory infections, or minor injuries can be taken care of at an urgent care center, a walk-in clinic, or through a virtual visit.² These are the quickest and most budget-friendly options for minor medical conditions.

• You can search for health facilities (such as “urgent care”) on myCigna. You’ll see a list of doctors or providers near you, along with their copay cost.
• The copay you see on myCigna will include all tests you may need during your visit. Whether it’s a simple flu or COVID-19 test, an x-ray or some other imaging test, your copay covers these costs at that location.

Emergency Care

Other conditions, like sharp chest pains, difficulty breathing, and more serious injuries, may require emergency room attention.³

• The copay shown on myCigna for emergency care covers everything that happens during that visit including blood tests, an x-ray or MRI, and more.

Note: If your doctor or provider refers you to a specialist, wants you to get a lab test or imaging at another facility, or prescribes a medication, there will be additional copays for each of those visits and/or services. Check myCigna before your referrals and tests are scheduled to compare and choose care at the location and cost that works for you.

How does this plan help me prepare for surgery or another medical procedure?

There may be times when you need surgery right away, but surgeries and other medical procedures are often scheduled weeks in advance. With Clearity, you can plan ahead by searching for and comparing costs on myCigna to help you make informed care decisions.

• Log in to myCigna and type in the care you need, such as “surgery.”
• You’ll see a list of doctors or providers near you, along with the copay they will charge for that procedure at that location.
• When you choose an in-network doctor or provider, pre-admission testing is included in the copay cost shown.
• Additional copays may apply for pre- and post-surgical services, including pre-operation appointments, specialists, follow-up visits, or rehab or physical therapy that occur on different days.

Shoppable Surgeries for Planned Care

For some planned surgeries and procedures, Clearity bundles all costs associated with that surgery or procedure as one set copay – from admission to discharge. This makes it easier to understand your costs upfront, compare providers, and make confident decisions without worrying about deductibles, coinsurance, or unexpected bills. If a bundle is offered, you’ll see a list of provider choices along with their copay.

How does this plan help me manage costs if I’m expecting a baby?

Searching for maternity care options is similar to how you would compare costs for procedures.

• Log in to myCigna and type in “maternity.”
• You’ll see a list of doctors and providers who can support you along your pregnancy journey and their copays.
• Maternity copays typically cover select prenatal and postnatal care along with any care you may need during delivery, including a C-section.

¹ Customers under age 13 (and/or their parent/guardian) will not be able to register at myCigna.com. App/online store terms and mobile phone carrier/data charges apply.

² Cigna Healthcare provides access to virtual care through national telehealth providers as part of your plan. This service is separate from your health plan’s network and may not be available in all areas or under all plans. Referrals are not required. Video may not be available in all areas or with all providers. Refer to plan documents for a complete description of virtual care services and costs.

³ This information is for educational purposes only. It's not medical advice. Talk with your health care provider when you need care recommendations. In an emergency, dial 911 or visit the nearest emergency room.

Plans contain exclusions and limitations and may not be available in all areas. For costs and details of coverage, review your plan materials. 

Clearity is not available to residents of Hawaii.

Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group.

The Cigna Healthcare Clearity plan is administered by Allegiance Benefit Plan Management, Inc., a wholly-owned third-party administrator.