Key Features

• Worldwide emergency and urgent care coverage
• Access to Cigna global network in 200+ countries
• No referral required for specialist visits
• Behavioral health and EAP services included
• No referral required to see in-network specialists

Key Features

• HMO plan requiring in-network providers and primary care referrals
• Lower premiums compared to PPO plans with similar coverage
• Care coordination through a designated primary care physician
• Preventive care services covered at no additional cost
• Digital tools for virtual visits and prescription management