Cigna Insurance Plan: Everything You Need to Know

Cigna insurance plan is a type of health insurance that offers a wide range of healthcare services to its members. The insurance plan is available to individuals, families, and businesses to help cover the cost of medical care. In this article, we will explore the details of Cigna insurance plan, including what it covers, how it works, and how to enroll.

What is Cigna Insurance Plan?

Cigna insurance plan is a type of comprehensive health insurance that provides coverage for medical expenses such as doctor visits, hospital stays, prescription drugs, and other medical procedures. The plan is offered by Cigna, an American worldwide health services organization that offers medical, dental, behavioral health, pharmacy, and vision care benefits to over 95 million customers worldwide.

With Cigna insurance plan, customers can choose from a range of coverage options including HMO, PPO, EPO, and POS plans. These plans offer different levels of coverage, deductibles, and copayments, allowing customers to choose a plan that best fits their needs and budget.

Types of Cigna Insurance Plans

There are four types of Cigna insurance plans available to customers:

1. Health Maintenance Organization (HMO) Plan: This plan requires customers to choose a primary care physician (PCP) who will provide referrals for specialist care. Customers must stay within the network for coverage, but usually have lower out-of-pocket costs.
2. Preferred Provider Organization (PPO) Plan: This plan allows customers to see any provider they choose, but usually have higher out-of-pocket costs for using out-of-network providers.
3. Exclusive Provider Organization (EPO) Plan: This plan is similar to a PPO plan, but requires customers to stay within the network for coverage.
4. Point of Service (POS) Plan: This plan allows customers to choose between using a PCP for referrals or seeing any provider they choose, but usually have higher out-of-pocket costs for using out-of-network providers.

What Does Cigna Insurance Plan Cover?

Cigna insurance plan covers a wide range of healthcare services and medical expenses, including:

• Doctor visits
• Hospital stays
• Prescription drugs
• Emergency care
• Maternity care
• Mental health care
• Rehabilitation services
• Diagnostic tests and procedures
• Preventive care, such as routine check-ups and screenings

However, it’s important to note that not all plans cover the same services. Customers should review their plan documents or talk to a representative to fully understand their coverage.

Does Cigna Insurance Plan Cover Dental and Vision Care?

Cigna insurance plan may offer dental and vision care benefits as an additional service, depending on the plan. Customers can check their plan documents or talk to a representative to see if this coverage is available.

How Does Cigna Insurance Plan Work?

Cigna insurance plan works by paying a portion of the cost for covered medical expenses. Customers typically pay a monthly premium, a deductible (the amount paid out-of-pocket before insurance kicks in), and a copayment or coinsurance (a percentage of the cost of a covered service).

When a customer receives medical care, they present their insurance card to the healthcare provider who bills Cigna directly for the covered services. Cigna reviews the claim to ensure the services are covered under the customer’s plan and pays a portion of the cost to the healthcare provider. The customer is responsible for paying any deductible, copayment, or coinsurance due.

Cigna insurance plan also offers tools and resources to help customers manage their health and find affordable care. These tools may include online health assessments, wellness programs, and telemedicine services.

How to Enroll in Cigna Insurance Plan

Customers can enroll in Cigna insurance plan through their employer or through the individual marketplace. To enroll, customers will need to provide personal and income information and select a plan that best fits their needs and budget.

Enrollment periods may vary depending on the type of plan and location. Customers should check with their employer or healthcare provider to find out when they can enroll.

FAQ

How do I find out if my doctor is in-network?

Customers can find out if their doctor is in the Cigna network by using the provider directory tool on Cigna’s website. Customers can search for a provider by location, specialty, and name.

What if I need medical care while traveling?

Cigna insurance plan typically covers emergency care when traveling outside of the coverage area. Customers should review their plan documents or talk to a representative to fully understand their coverage.

Can I change my plan after enrollment?

Customers may be able to change their plan during open enrollment periods or due to a qualifying life event, such as marriage or the birth of a child. Customers should check with their employer or healthcare provider to see if they are eligible to make changes to their plan.

What if I can’t afford my deductible or copayment?

Cigna insurance plan offers financial assistance programs to help customers who may be struggling to pay their out-of-pocket costs. These programs may include payment plans or discounts on medical services.

Overall, Cigna insurance plan offers a comprehensive range of health insurance coverage options to meet the needs of individuals, families, and businesses. With a variety of plans and benefits, customers can find coverage that fits their needs and budget. To learn more about Cigna insurance plan, visit their website or talk to a representative today.