Key Features

• Worldwide emergency and urgent care coverage
• Access to Cigna global network in 200+ countries
• Review covered medical services
• 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

Key Features

• Large national provider network
• No routine specialist referrals required
• Primary care provider is optional
• Out-of-network coverage may be available
• Emergency and urgent care provisions
• Employer-specific costs and benefits

Key Features

• Network-focused healthcare coverage
• Participating local providers
• Provider availability varies by location
• Employer-specific medical benefits
• Prescription benefits depend on the plan
• Member costs follow policy terms

Key Features

• Focused local provider network
• Coordinated healthcare services
• Primary-care provider rules vary by plan
• Specialist referral requirements vary
• Prescription benefits depend on policy
• Employer-specific cost-sharing

Key Features

• Focused local provider network
• Primary care provider selection
• Coordinated community-based care
• Specialist referral rules vary by plan
• Emergency and urgent care provisions
• Employer-specific medical cost-sharing

Key Features

• Choice of licensed healthcare providers
• No standard provider network requirement
• Specialist referrals generally not required
• Claims filing may be required for reimbursement
• Provider savings program may reduce costs
• Employer-specific coverage and cost-sharing

Key Features

• Access to a participating provider network
• Routine out-of-network care generally not covered
• PCP selection generally not required
• Specialist referrals generally not required
• Emergency care subject to plan provisions
• Employer-specific costs and benefits

Key Features

• Focused local provider network
• Primary care coordination
• Specialist referral rules depend on variant
• Open-access variants may be available
• Emergency and urgent care provisions
• Employer-specific costs and benefits