Cigna

An Overview of Cigna Health Insurance Plans

As a global health service provider, Cigna is dedicated to helping individuals improve their health, well-being, and sense of security. They offer Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO) plans in addition to their popular Open Access Plans (OAP) and Health Savings Accounts (HSA).

With their open-access plan, individuals will have the option to select a primary care provider to serve as a personal health advocate, but unlike a PPO plan, it is not required. With their open-access plan, you should not need referrals to see medical specialists, and you should have the option to see out-of-network specialists at an additional cost.

Cigna’s Health Savings Accounts are popular amongst families and individuals that are looking to control their insurance dollars. These are great for people who lead healthier lifestyles and want control over their health insurance costs. HSAs have higher deductibles, but they are flexible and will follow individuals or families if they were to switch careers.

Cigna Mental Health Benefits

Cigna’s health insurance plans offer mental health benefits. They define mental health services as, “services that are required to treat a disorder that impairs behavior, emotional reaction or thought processes.”

Cigna’s outpatient mental health plan covers services required to treat mental health when services are provided by a qualified practitioner, and they are not limited to a hospital.

Services may be provided in an individual or group setting, and outpatient mental health treatment includes intensive outpatient therapy programs.

Clarity Clinic is partnered with Cigna and provides services for some cognitive, affective, and behavioral conditions.

Sources: Cigna

The content herein is provided for general informational purposes only and is not a substitute for professional medical advice, diagnosis, or treatment. Medical insurance information changes constantly, and therefore the content on this website should not be assumed to be current, complete, or exhaustive. Always seek the advice of your doctor before starting or changing treatment. If you think you may have a medical emergency, please call your doctor or 9-1-1 (in the United States) immediately.