The Clearity Plan
A copay-only health plan that allows you to see upfront costs before you receive care.
What is the Clearity plan?
The Clearity plan is a new copay-only health insurance plan designed to help you make confident, informed health care decisions. Unlike traditional plans, there are no deductibles and no coinsurance. Just an easy-to-use plan with simple, upfront costs that you manage completely through the myCigna® app or on myCigna.com.1
How does the Clearity plan work?
The Clearity plan allows you to see your costs up front, find care fast, and get the support you need, all in one place.
No deductibles. No coinsurance.
You pay a set copay when you get care.
Easy to use, anytime.
Manage your plan and compare costs on your phone or computer, day or night.
- Log in to myCigna to find care options and compare costs across providers.
- Search for care by typing in your symptoms, like “sore throat” or “sprained ankle.” You’ll instantly see nearby providers, copay costs, contact info, and verified patient reviews.
What you see is what you pay.
The copay shown is the cost you’ll pay for your visit.
See How the Clearity Plan Works
Watch this short video to learn more. (Length: 01:20)
Choose and pay for care with confidence.
Learn more about how the Clearity health insurance plan works.
How to Know Before You Go
With the Clearity plan, the copay you choose is what you will pay.
How to Find Care
Find the right provider for you by comparing costs, locations, and verified patient reviews.
How to Control Costs
Use the myCigna app every time you need care to better manage costs.
Clearity Frequently Asked Questions (FAQs)
We know health insurance can be confusing, especially when you’re exploring something new. These answers can help you choose with confidence.
Being offered a Clearity plan through work?
Use these helpful tools to help with your enrollment decisions.
Check if your doctors are in-network
To see if your current doctors/providers are in-network, search our provider directory. When prompted to select a plan, choose the OAP network.
Next steps for health plan shoppers
You'll most likely enroll in your plan using your employer's enrollment tool/website. If not, check with your HR department.
Need help understanding how insurance plans work? To learn more, visit the Knowledge Center.
View Cigna Healthcare Company Names
1 Customers under age 13 (and/or their parent/guardian) will not be able to register at myCigna.com.