Exclusive Provider Organization (EPO) Plan

Choose from a large, national network of providers and facilities.

What is an EPO Plan?

An Exclusive Provider Organization (EPO) is a health plan that offers access to a large, national network of providers and facilities for you to choose from. However, if you choose out-of-network health care providers, it usually will not be covered.

Cigna Healthcare EPO plan features

  • If you get medical care outside of your plan’s network (such as a doctor, hospital, clinic or pharmacy that is not a Cigna Healthcare℠ EPO provider), those out-of-network services are typically not covered under your EPO health plan.
  • In an emergency (as defined in your plan documents), you will be covered. However, non-emergency hospital stays other than maternity stays and some outpatient procedures must be approved in advance.

Being offered a Cigna Healthcare EPO plan through work?

Use these helpful tools to help with your enrollment decisions.

Find in-network doctors

To find in-network providers, procedures, cost estimates, and more, search our provider directory.

Are your prescription drugs covered?

To find out which drugs are covered by your plan, use the Prescription Drug List.

Next steps for 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

Are you a new member?

If you've recently enrolled in a Cigna Healthcare plan through your employer, here are next steps:

Buying a plan on your own?

This page features plans you get through an employer. If you're looking for plans you can buy for yourself or your family, we can help get you there.

View Cigna Healthcare Company Names

1 Customers under age 13 (and/or their parent/guardian) will not be able to register at myCigna.com.

Medical plans are insured and/or administered by Cigna Health and Life Insurance Company (CHLIC) or Connecticut General Life Insurance Company. Plans contain exclusions and limitations and may not be available in all areas. For costs and details of coverage, see your plan documents. Policy forms: OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC).