Cigna offers health insurance around the globe, including California. The company is known for its 24/7/365 customer service and $0 preventative care with certain plans. Those who are interested in getting Cigna health insurance in California need to choose the type of plan they want.
Preferred Provider Organization (PPO) Plans
PPO plans are among the most popular of the Cigna health insurance plans in California. Cigna has a large network of providers people can use, and it also covers a portion of out-of-network costs. However, people must submit their own claims for out-of-network coverage, and it is important to be aware of the costs and coverage associated with a certain treatment before seeking treatment.
Health Maintenance Organization (HMO) Plans
HMO plans also include an extensive network of providers. However, it is essential to stay within the network with these plans. Cigna does not cover out-of-network costs with its HMO plans unless it is a medical emergency.
Exclusive Provider Organization (EPO) Plans in California
EPOs offer a large network of hospitals and doctors that are located around the country. People need to stay in the network to receive coverage with this plan. Out-of-network costs are rarely covered, except for emergency services.
Open Access Plus (OAP) Plans
OAP plans allow people to choose health care providers. These California Cigna health insurance plans typically charge a deductible before coverage kicks in. Members are also responsible for the co-pay and co-insurance costs. Many people choose a primary care provider to act on their behalf to coordinate their care with this plan.
Cigna also offers account-based plans. These HRA, HSA, and FSA plans are essentially savings accounts that allow people to pay for health care expenses, including vision and dental. These plans are a good match for a high-deductible health insurance plan.
Choosing Cigna Health Insurance in California
With so many options, it can be challenging to select the appropriate Cigna health insurance plan in California. Fortunately, we are here to help. Contact us today at 1-855-881-0430 to speak to a licensed insurance agent. The agent will give you the help you need to make the right selection.