Preferred Provider Organization (PPO) Medical Plans
Offers employees options and convenience with in-network care savings.
Cigna Healthcare PPO Health Plan Overview
Cigna Healthcare℠* PPO plans are a large, national network similar to Open Access Plus (OAP) plans, but offers more choice with flexibility for out-of-network care. Our national network of Primary Care Providers (PCPs) and facilities makes it easy for employees to get access to care when needed.
Your plan will vary based on what you discuss with your local Cigna Healthcare representative, but here is a basic summary of how PPO plans typically work:
| Plan Features | PPO Plan |
|---|---|
| PCP Required | No |
| PCP Auto-Assignment Included | No |
| Referrals to Specialists Required | No |
| Out-of-Network Coverage | Yes** |
| Urgent/Emergent Services Coverage | Yes |
| Prior Authorization Required | Yes*** |
| Self-funded Options Available | Yes |
| Option to Offer HSA, HRA, or FSA | Yes |
| Cost-Sharing Options | Yes**** |
** Lock-in plans are available to restrict out-of-network coverage.
*** May be required for hospitalizations and some types of outpatient care
**** Available through customized deductibles, copays, coinsurance, and out-of-pocket maximums
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*Offered by Cigna Health and Life Insurance Company or its affiliates
In Utah, plans are offered by Cigna Health and Life Insurance Company.
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Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna Healthcare representative.
Cigna Healthcare PPO plans are insured and/or administered by Cigna Health and Life Insurance Company. Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and complete details of coverage, contact your Cigna Healthcare representative. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al
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