Countless Colorado residents who need health insurance choose Cigna. Some of the insurer’s plans offer preventative care for $0, making it easier for people to get the care they need. The company also has customer service agents available at all hours
Preferred Provider Organization (PPO) Plans
PPO plans are a common choice for Colorado residents. People like the flexibility these plans provide. They have access to Cigna’s large network of providers and can even go outside of the network to receive care. Because Cigna only covers a portion of out-of-network costs, people should check the coverage before going to a provider.
Health Maintenance Organization (HMO) Plans
HMO plans do not have the same flexibility that PPO plans have, but the premiums are usually lower. Insured parties need to stay within the network to receive coverage with these plans. If they go out of network, they are responsible for the entire bill unless the visit was due to an emergency.
Exclusive Provider Organization (EPO) Plans in Colorado
Some Colorado residents travel the country on a regular basis. Many of those people choose an EPO plan from Cigna. While insured parties have access to Cigna’s network around the country, they do need to stay within that network to receive coverage.
Open Access Plus (OAP) Plans
OAP plans provide people with a great deal of flexibility. They can choose their health care providers, and once they meet the deductible, they are covered. It is best for the insured to choose a primary physician to coordinate their care.
Countless Colorado residents like account-based plans, which Cigna offers in the way of HRA, HSA, and FSA. These plans act as savings accounts that people can use to pay healthcare expenses, including dental and vision. Pairing one of these plans with a high deductible insurance plan is a popular choice.
Choosing Cigna Health Insurance in Colorado
Cigna offers a variety of options for Colorado residents, and you want to choose wisely. If you are not sure which plan is best for you, a licensed insurance agent can help. Call 1-855-881-0430 to speak to an expert today.