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What Cigna Health Insurance Covers

If you are not covered as a dependent under another person’s health plan, like a spouse/partner or parent, it is a good idea to have health insurance. A health insurance plan can assist you in managing your health care needs, as well as costs.

The cost of health care without Cigna coverage can be high.

Different Types of Cigna Health Insurance Plans

The different types of health insurance consist of:

• Preferred provider organizations (PPOs)
• Point-of-service (POS) plans
• Health maintenance organizations (HMOs)
• Exclusive provider organizations (EPOs)

Not sure which kinds of health insurance are best for you? The following is a general description of each of the forms of health plans.

Health Maintenance Organizations

HMOs, offer you a local network of participating doctors, hospitals, and other healthcare specialists and facilities that you are required to select from. These types of health insurance plans also necessitate you to select a primary care provider (PCP) from the network.

Your PCP is your home base for health care. They get to know you and aid coordinate all your care. They will also require to provide you with a referral to see in-network experts. The costs for an HMO plan—copays and coinsurance— are usually lower than other types of health plans, as long as you stay in-network.

Exclusive Provider Organizations

An EPO provides you with a network of participating providers to choose from. Many EPO plans do not comprise coverage for out-of-network care except in the case of an emergency. This means that if you visit a provider or facility outside the health insurance plan’s local network, you will possibly have to pay the full cost of services yourself.

Depending on the health insurance plan, you may or may not be required to select a primary care provider (PCP). If you want to see a specialist in your network, you do not require a referral from a PCP.

Point of Service Plan (POS)

Point of service plans have features of both HMO and PPO plans. The provider network is usually smaller than a PPO plan, and the costs for in-network care are typically lower, such as an HMO. POS plans also require you to pick a primary care provider (PCP) from within the plan’s physicians and other primary care professionals’ network. Your primary care provider is your home base for care and advice. They get to know you and your health requirements and can aid in coordinating all your care.

If you want to see a specialist, you are required to get a referral. Nevertheless, such as a PPO, you can also choose to see specialists that are in-network or out-of-network. If you see a physician outside the plan’s network, your share of the costs will be higher, and you will be responsible for filing any claims yourself.

Preferred Provider Organizations (PPOs)

PPOs usually offer you a large network of participating providers, so you have many doctors, hospitals, and other health care professionals and facilities to pick from. You may also select to see providers from outside of the plan’s network, but you will pay more out-of-pocket.

Picking a primary care provider (PCP) is not required with these types of health insurance plans, and you can see specialists without a referral.

Types of Health Insurance are Best for Me

Begin by understanding your specific health care needs:

• If you are in good health and do not visit a doctor often,health insurance plans with higher deductibles usually have lower insurance premiums and could aid save you money.
• If you want or expect more than just preventive care,consider plans with lower deductibles and coinsurance for more predictable expenses.

Resources and References:

• Preferred Provider Organizations
• Exclusive Provider Organizations