Preferred Provider Organization (PPO) Plans
Cigna offers PPO plans for Arizona residents. These plans give people access to a large network of providers. With this, insured parties can also go out-of-network to receive care. While Cigna covers some out-of-network costs, when the insured party uses an out-of-network provider, they are responsible for a larger portion of the expense.
Health Maintenance Organization (HMO) Plans
Those who want to stay in the network can get an HMO plan. These plans tend to cost less, but they do not cover any of the charges from out-of-network providers. There is an exception in the case of a medical emergency.
Exclusive Provider Organization (EPO) Plans in Arizona
People who want access to a network of providers across the country would benefit from EPO plans. Providers are located throughout the United States, including Arizona. It is essential to go to a provider in the network to use the coverage.
Open Access Plus (OAP) Plans
Many Arizonians have providers they love. They can continue to use them with an OAP plan. These plans typically include a deductible that the insured party must meet before coverage kicks in.
HRAs, HSAs, and FSAs are popular for Arizona residents. These plans allow people to put money aside to use for health care expenses, including dental and vision. Many people choose a high deductible insurance plan to go with an account-based plan.
Choosing Cigna Health Insurance in Arizona
Cigna offers many options for Arizona residents, and it is important to pick the right one. What is right for one person is not necessarily right for someone else, so get help selecting a plan. Call 1-855-881-0430 to speak to a licensed insurance agent.