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Cigna Health Insurance Plans
Cigna is one of the leading insurance companies. Its main motive is to keep the workforce of its customer companies and Cigna’s own workforce healthy and productive. Cigna has a comprehensive portfolio of health, pharmacy, behavioral, dental, disability, life, accident and international businesses.
Cigna has a wide range of health plans to choose from for individuals and families.
Cigna PPO Plans:
In this type of Plan, Cigna members can choose a doctor from Cigna Preferred Provider list. They can visit the doctor without worrying about getting a referral first. This is called in network care. One advantage is they are rewarded with a higher level of benefit reimbursement.
Cigna HMO Plans:
Major advantage of HMO plan is monthly premiums are low and a reliable cost structure will help members know ahead of time how much medical services will cost. Major disadvantage is that members can seek treatment within Cigna’s provider network only.
POS (Point of service):
Customers can design their health insurance plan based on their specific needs. Some major benefits of this plan are:
Individuals are given a choice to decide between in-network and out-of-network based on their specific needs.
Out-of-pocket costs are lower with in-network treatment.
POS members are allowed to elect providers
Cigna has a wide range of group plans which help employers provide health benefits to their employees.
Major Cigna group plans are:
FlexCare Exclusive Provider Program (EPP)
Point-of-Service Plans
Cigna HealthCare HMO options.
Health and Wellness Programs:
Members of Cigna can access valuable Health and Wellness programs:
Well informed
24-hour health information
Support for chronic conditions
Member discounts
Quality transplant care
Cigna HealthCare Healthy Babies
Cigna Healthy Pregnancies, Healthy Babies
Cancer prevention and education
High touch Personal Assistance
Loss weight and improver your health
Other Health Insurance Options
Cigna offers additional health care products and coverage supplements. Some of them are:
Cigna Choice Fund Health Savings Account:
This option helps customers in a number of ways to save for their health care needs with both tax-deductible and tax-free options.
Indemnity option:
In indemnity plan they have the freedom to visit any provider without choosing a primary care physician. Members generally pay the cost of the visit and are usually responsible for filing a claim to receive reimbursement.
For more information on our services contact insurance brokers John Good| Kelly Good