Cigna offers a variety of health insurance options for Illinois residents. The company has made a name for itself by providing $0 preventative care with many of its plans. It also has customer service agents available 24 hours a day, seven days a week. Illinois residents need to research the types of plans available and make a selection.
Preferred Provider Organization (PPO) Plans
PPO plans are a popular option for Illinois residents. These plans allow people to obtain care in and outside of the network, although they pay more for out-of-network coverage. Cigna also requires that insured parties submit their claims when receiving care from an out-of-network provider.
Health Maintenance Organization (HMO) Plans
Illinois residents can also sign up for an HMO plan. These plans have an extensive network of providers. However, people cannot go outside of that network unless it is for emergency care. When choosing an out of network provider, the insured is responsible for the entire bill.
Exclusive Provider Organization (EPO) Plans in Illinois
EPO plans allow people to see doctors around the country. The doctors are inside of a network, and the insured must remain in the network.
Open Access Plus (OAP) Plans
Those who want to keep their current providers can choose an OAP plan. While the plan allows people to choose their providers, they have to meet the deductible before coverage kicks in.
For people who want to put money aside to use for their healthcare can get an account-based plan, including HRA, HSA, and FSA plans. These plans are often paired with high-deductible insurance plans.
Choosing Cigna Health Insurance in Illinois
Do you need help selecting a Cigna health insurance plan? With so many options, you want to select the right one. That is easy when you speak to a licensed insurance agent. Call us at 1-855-881-0430 to compare coverage and get a quote.