People who need health insurance in Florida often turn to Cigna. This insurance provider has an assortment of plans to meet residents’ needs. People should learn more about their options before making a selection.
Preferred Provider Organization (PPO) Plans
PPO plans are incredibly popular in Florida. People enjoy the flexibility these plans provide. They have access to providers located inside and outside of the network, although the amount Cigna covers for out-of-network care is less.
Health Maintenance Organization (HMO) Plans
HMO plans are not as flexible as PPO plans but the premiums are usually lower. People who opt for this plan receive a list of in-network providers. While they can go to any provider inside of that network, their policy does not cover out-of-network providers unless it is an emergency.
Exclusive Provider Organization (EPO) Plans in Florida
EPO plans are a good choice for people who seek medical care in Florida and beyond. The insured has access to a network of providers located throughout the United States. As long as they go to one of these providers, they are covered. However, if they go outside of the network, they will have to cover all of the costs.
Open Access Plus (OAP) Plans
Those who want the freedom of choosing their own providers can get an OAP plan. People can keep their current providers or find someone new with the plan. However, they do need to meet the deductible before Cigna starts picking up the bill.
People can put money aside to cover their healthcare expenses with an account-based plan from Cigna. Florida residents can choose from HSA, HRA, and FSA plans. With this, they use the saved money to pay for healthcare costs. They can also add a high deductible health plan to go with the account-based plan.
Choosing Cigna Health Insurance in Florida
Florida residents have many choices for health insurance. Unless you are a licensed insurance agent, you are likely a little overwhelmed. Fortunately, you can speak directly to a licensed insurance agent and get help with selecting a plan. Call 1-855-881-0430 to learn more about your health insurance options.