Cigna Open Access Plus (OAP) Medical Plans
Providing employees with access to a large national network of quality providers and discounts.
OAP Medical Plans Overview
Our OAP plans offer a large, seamless national network of quality providers and facilities with competitive network discounts. Plus, the option to choose a Primary Care Provider (PCP) to coordinate care with no referral requirements. OAP plans can steer employees to in-network providers through coinsurance differentials, Tiered Benefits, and higher-performing Cigna Healthcare Care Designation1 providers that cover 21 specialties.
Compare OAP Medical Plans
Your plan will vary based on what you discuss with your local Cigna Healthcare℠* representative, but here is a basic summary of how OAP plans typically work:
| Plan Features | Open Access Plus | Open Access Plus In-Network |
|---|---|---|
| PCP Required | Recommended but not required | Recommended but not required |
| PCP Auto-Assignment Included | No | No |
| Referrals to Specialists Required | Included at a higher out-of-pocket cost | Excluded from coverage unless it's an emergency*** |
| Out-of-Network Coverage | Yes** | Yes** |
| Urgent/Emergent Services Coverage | Yes | Yes |
| Prior Authorization Required | May be required for hospitalizations and some types of outpatient care | May be required for hospitalizations and some types of outpatient care |
| Self-funded Options | Yes | Yes |
| Option to Offer HSA, HRA, or FSA | Yes | Yes |
** Lock-in plans are available to restrict out-of-network coverage.
*** For Emergency Services as defined by the applicable plan documents.
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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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1 Patient experience, quality designations, cost-efficiency and other ratings found in Cigna Healthcare's online provider directories are a partial assessment of quality and should not be the only basis for decision-making (as such measures have a risk of error). They are not a guarantee of the quality of care that will be provided to individual patients. Individuals are encouraged to consider all relevant factors and talk with their physician about selecting a health care facility. Providers are solely responsible for any treatment provided and are not agents of Cigna Healthcare.
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.
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT), or its affiliates. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT). Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al.
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