Preferred Provider Organization (PPO) Medical Plans for Employers
PPO plans offer employees options and convenience with in-network care savings.
Offered by Cigna Health and Life Insurance Company or its affiliates
Cigna Healthcare PPO Health Plan Overview
Cigna Healthcare® PPO plans are on a large, national network similar to Open Access Plus (OAP) plans, but offer more choice with flexibility for out-of-network care. Our national network of Primary Care Providers (PCPs) and facilities makes it easy for employees to get access to care when needed.
Your plan will vary based on what you discuss with your local Cigna Healthcare representative, but here is a basic summary of how PPO plans typically work:
| Plan Features | PPO Plan |
|---|---|
| PCP Required | No |
| PCP Auto-Assignment Included | No |
| Referrals to Specialists Required | No |
| Out-of-Network Coverage | Yes* |
| Urgent/Emergent Services Coverage | Yes |
| Prior Authorization Required | Yes** |
| Self-funded Options Available | Yes |
| Option to Offer HSA, HRA, or FSA*** | Yes |
| Cost-Sharing Options | Yes**** |
* Lock-in plans are available to restrict out-of-network coverage.
** May be required for hospitalizations and some types of outpatient care
*** Many plans can be paired with health accounts like Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), or Flexible Spending Accounts (FSAs).
**** Available through customized deductibles, copays, coinsurance, and out-of-pocket maximums
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Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna Healthcare representative.
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT). Policy forms: DE – HC-CER1 et al., ID – HC-CER24 et al., LA – HC-CER1 et al., MA – HC-CER108 et al., NY – HC-CER1 et al., OK – HC-CER1 et al., OR – HC-CER1 et al., SC – HC-CER1 et al., SD– HC-CER1 et al., TN– HC-CER1 et al., VT– HC-CER1 et al., WV– HC-CER1 et al., WY– HC-CER1 et al.
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