Cigna offers health insurance around the world, including the state of Texas. Residents have access to a variety of plans, including some that with $0 preventative care. Parties interested in Cigna health insurance should learn about the options before making a decision.
Preferred Provider Organization (PPO) Plans
PPO plans are among the most flexible health insurance plans available. If the insured stays within Cigna’s large network of providers, they will receive maximum coverage. However, the insured can also go outside of the network for care. If choosing an out-of-network provider, Cigna covers a portion of the costs acquired.
Health Maintenance Organization (HMO) Plans
HMO plans only cover expenses related to in-network care. Those who go outside of the network are responsible for 100 percent of the bill unless seeking emergency service.
Exclusive Provider Organization (EPO) Plans in Texas
Texans who do a lot of traveling might benefit from an EPO plan. Cigna has built a network of providers across the country. The insured can see providers in Texas or any other state without leaving the network. Going out of the network can be costly, though, since this plan does not cover those costs.
Open Access Plus (OAP) Plans
Those who have healthcare providers they like can keep them by getting an OAP plan. These plans include a deductible, as well as co-pay and co-insurance costs. Texans who have an OAP plan also designate a primary care provider to coordinate their care.
Texans who pay a lot of money out of pocket can get an account-based plan. These plans act as savings accounts. People put money into the HRA, HSA, or FSA and then use it to pay for healthcare expenses as needed. Some insured pair these plans with high deductible health plans so they can use the savings account to pay for the deductible.
Choosing Cigna Health Insurance in Texas
Choosing the right Cigna health insurance plan may seem like hard work. With so many options, it can be difficult to determine which is the right one. Make the process easier by speaking to a licensed insurance agent. Call 1-855-881-0430 to get help selecting a plan.