What is a Cigna Open Access Plus Plan?

Cigna Open Access Plus Plan offers choice and convenience-access to a broad national network with the option of going out of network. You pay less when you use doctors, hospitals, and other providers that participate in Cigna’s network and have agreed to offer services at negotiated rates. Care received from out-of-network providers is covered after you meet your deductible. You can find information on participating providers by using the Cigna Open Access Plus provider directory, which is available in the resources section. You may also visit the provider websites to obtain more information.

Is Cigna Open Access Plus the Same as PPO?

The PPO plan offers you a large national network of in-network providers. You can also go out-of-network, but your costs will be higher. You can choose a PCP to serve as your primary care physician and help coordinate your health care needs. Then, you can select a specialist to see, and the plan will pay for up to 100% of the expenses when you use them within the OAP network. Depending on your plan, you’ll pay a copay for doctor office visits, a deductible, and sometimes coinsurance.

Your plan pays at the in-network level for hospital stays if you have prior authorization and follow the precertification guidelines. There is a 50% penalty for failure to contact Cigna to precertify admission. Prior authorization is required for certain outpatient procedures and diagnostic testing, unless your physician has agreed to waive the requirement for a specific procedure.

What is Cigna Health Care Provider Directory?

The Cigna health care provider directory is a database of doctors and other medical providers that have agreed to provide services to people with specific Medicare insurance plans. These providers are known as “in network.” When you visit a Cigna in-network doctor, you typically pay less for your health care services than if you visit an out-of-network physician.

Cigna is constantly assessing its provider networks to make sure that it meets the standards for providing adequate access for members. This involves measuring the number of doctors and other medical professionals in a given area and the availability of services such as home healthcare and dialysis.

The Open Access Plus plan offers members a national network of providers with lower out-of-pocket costs. This plan requires you to choose a primary care physician who will serve as your PCP to coordinate your care and help you stay healthy. You also have the option to choose an out-of-network provider, but you’ll pay a higher deductible and coinsurance. To learn more about this plan, visit the summary of benefits and coverage link located in the Resources section.

Cigna OAP Deductibles and Coinsurance

The Cigna Open Access Plus plan has a low deductible and coinsurance, making it easy to manage medical expenses. Using the Cigna drug search tool, you can also save on prescription drugs. This online database helps you find in-network pharmacies that accept your insurance. This tool will save you time and money when you need to pick up a new medication. You can also browse the online drug list to see if your favorite brand is available at a discounted price. Cigna’s online drug database includes over 8,000 brand name and generic drugs.

You can select any licensed doctor, in or out of network, to serve as your primary care physician. However, benefits are generally higher when you choose a provider from the Cigna network. The plan has a yearly deductible that must be met before the plan begins to pay for claims.