Cigna is a top health insurance provider in North Carolina and the rest of the world. The company is known for its 24/7 customer service and its assortment of health insurance plans. Because it offers so many types of plans, proper research is needed before purchasing one.
Preferred Provider Organization (PPO) Plans
Those who want flexibility can choose a PPO plan. With access to providers located in and out of the network, people have the freedom to choose their providers. It is more affordable to stay within the network, though. People should check how much Cigna covers for out-of-network services before going outside of the extensive network.
Health Maintenance Organization (HMO) Plans
HMO plans only kick in when people access providers inside of the network. The premiums are usually lower, making these plans attractive to many people in North Carolina.
Exclusive Provider Organization (EPO) Plans in North Carolina
People who travel around North Carolina and the rest of the United States might benefit from an EPO plan because it has a network of providers throughout the country. Those who choose to seek coverage outside of the network will be responsible for the costs.
Open Access Plus (OAP) Plans
People can get an OAP plan if they want to use any provider. However, they have to meet the plan’s deductible before the coverage kicks in. The plan also includes co-pays and co-insurance costs.
Account-based plans are an excellent way for people to pay for healthcare costs that are not covered. They can put money into an HRA, HSA, or FSA and then use it to cover approved costs. The saved funds can also go toward the deductible. That is why these accounts are so popular for people who have high deductible health plans.
Choosing Cigna Health Insurance in North Carolina
Are you unsure if you should get a PPO, HMO, EPO, OAP, or account-based plan? Make the process much easier by speaking to a licensed insurance agent. Call 1-855-614-5057 to discuss your needs with an agent today.