How much does Cigna Open Access Plus cost?

There is no universal premium. Costs depend on the employer, plan design, location and enrollment arrangements.

Can I choose a primary care provider?

Choosing a primary care provider is generally optional under standard OAP arrangements, but it can help coordinate your care.

Where can I check my exact benefits?

Review your employer-provided Summary of Benefits and Coverage, provider directory and prescription drug list, or contact your plan administrator.

Cigna Open Access Plus: Benefits and Network

Cigna Open Access Plus (OAP) Overview

Cigna Open Access Plus (OAP) is a network-based health plan design. Access to participating doctors and hospitals depends on the specific network available to the member. Referral requirements and out-of-network coverage depend on the exact policy. Members should compare deductibles, copayments, coinsurance and the annual out-of-pocket maximum. Check the current Summary of Benefits and Coverage and provider directory before choosing care.

Access to a large national provider network with no specialist referral requirement under standard OAP arrangements

Expert Review of Cigna Open Access Plus (OAP)

Review the available OAP network, referral rules, out-of-network benefits and member cost-sharing. Exact benefits depend on the employer plan and location.

Pros

Large national network can provide flexibility when choosing participating providers.
Routine specialist referrals are generally not required under standard OAP arrangements.
Out-of-network benefits may provide additional provider choice under eligible plan variants.

Cons

Out-of-network care can result in significantly higher member costs.
Premiums and benefits vary by employer and plan selection.
Some services may require prior authorization before treatment.

About Cigna Healthcare (Insurer Profile)

Cigna Healthcare

Key Insights

Founded

1982

Cigna Healthcare was established 44 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

0% CSR, calculated as a 3-year average

Cigna Healthcare settles 0% of all claims it receives.

Network Hospitals

6,400+

Cigna Healthcare has a network of 6,400+ hospitals, ensuring wide accessibility and convenience for policyholders.

Cigna Open Access Plus (OAP) Features and Benefits

National provider network

Standard OAP arrangements provide access to a large national network of participating healthcare providers.

Confirm that your preferred doctor and facility participate in your specific plan.

Specialist access

Routine referrals to in-network specialists are generally not required under standard OAP arrangements.

Some services can still require prior authorization.

Primary care provider choice

Choosing a primary care provider is generally optional, although it may help coordinate care.

Confirm any employer-specific requirements in your plan documents.

Out-of-network benefits

Standard OAP plans can cover eligible out-of-network services, typically with higher member costs.

Review deductibles, coinsurance, balance-billing exposure and claim requirements.

Emergency and urgent care

Emergency and urgent care benefits are available subject to applicable plan terms and legal protections.

Review your plan documents for definitions and applicable cost-sharing.

Prior authorization

Certain hospitalizations and outpatient services may require advance approval.

Check authorization rules before receiving planned services.

Add-ons of Cigna Open Access Plus (OAP)

Accidental Injury Supplemental Insurance

Cigna offers supplemental accidental injury coverage through certain employer benefit programs. A separate policy may pay benefits for qualifying injuries or treatments resulting from a covered accident.

Separate optional policy; not automatically included in Cigna Open Access Plus (OAP). Confirm availability and terms with the employer and official policy documents.

Hospital Care Supplemental Insurance

Cigna offers supplemental hospital care insurance that may pay a fixed benefit for qualifying hospital stays resulting from a covered injury or illness.

What Cigna Open Access Plus (OAP) Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

Services excluded under the applicable policy are not automatically covered.
Out-of-network services may have separate deductibles and higher cost-sharing.
Certain treatments may require prior authorization or medical-necessity review.
Prescription drugs and other benefits may have specific limitations and exclusions.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

What's missing in Cigna Open Access Plus (OAP)

Exact premium, deductible, copayments and out-of-pocket maximum depend on the employer-specific plan.
Out-of-network benefits and member costs depend on the selected plan.
Confirm the local provider network, cost-sharing and applicable authorization requirements.

Cigna Open Access Plus (OAP) FAQs

What is Cigna Open Access Plus?

Cigna OAP is an employer-sponsored medical plan design offering access to a large national provider network. Exact benefits depend on the specific plan.

Do I need a referral to see a specialist?

Standard OAP arrangements generally do not require referrals for in-network specialists. Prior authorization may still apply to certain services.

Does Cigna OAP cover out-of-network care?

Standard OAP plans can include out-of-network coverage, usually with higher costs. Confirm your particular plan’s benefits and exclusions.