Cigna is one of the top health insurance providers in the state of Tennessee. Residents like the options these plans provide, as well as having access to customer service agents 24 hours a day, 7 days a week.
Preferred Provider Organization (PPO) Plans
Many Tennessee residents choose PPO plans due to the freedom they provide. First, people can choose providers from Cigna’s large network. If they do not find a provider they like, they can go to an out-of-network provider. Second, Cigna covers a portion of the costs for out-of-network providers. However, people can expect to pay more if they go outside of the network.
Health Maintenance Organization (HMO) Plans
If people do not mind staying inside of the network, an HMO plan might be the right choice. While this plan only provides coverage inside of the network, the premiums are usually lower.
Exclusive Provider Organization (EPO) Plans in Tennessee
Cigna also has a special network for its EPO plans. Not only is this network located in Tennessee, but also the rest of the country. Out-of-network costs are not covered with this plan. An exception is made when the insured seeks emergency care.
Open Access Plus (OAP) Plans
OAP plans are even more flexible than PPO plans. People can choose any provider they want. Once they meet the deductible, they only have to pay the co-pay or co-insurance costs.
People who find themselves paying significant out-of-pocket costs might benefit from an account-based plan. For this, they can set up an FSA, HRA, or has. After funding the plan, they can use the money to pay for certain healthcare costs, including the deductible. The plan can also be used to cover dental and vision costs.
Choosing Cigna Health Insurance in Tennessee
Are you having trouble deciding on a plan? While you want to choose the plan that is best for you, you may need some assistance. Call 1-855-881-0430 to speak to a licensed insurance agent. The agent will go over the options and provide you with quotes.