Cigna has been selling health insurance since 1982, and is a combination of two of the nation’s oldest insurance companies. Cigna is one of the nation’s largest insurers, also represented internationally in 30 countries with various insurance products. Their provider network in Colorado contracts with nearly 13,400 medical professionals, and over 80 hospitals, giving you better odds at finding the doctor or facility of your preference. Colorado individuals and families have access to a number of services with an Open Access or Health Savings plan, all operating through the same network of quality providers.
In Colorado, Cigna is accredited by the NCQA with Commendable status on their PPO plans and Excellent status for their HMO/POS Open Access coverage. This means their individual plans are some of the best in the state, and often can be the best for pricing in the costly Colorado market. All plans include coverage for emergency care, hospital services, and surgery, as well as preventive care and wellness programs. Cigna also offers dental coverage as a supplement to your medical plans.
Cigna Individual Plans in Colorado
Open Access Plans
Open Access plans give the most coverage of any Cigna plan, with copays on prescriptions and unlimited office visits for illness or injury. Preventive services are covered at no cost to plan members, and hospital care ranging from emergency services to surgery are covered at 80 or 100 percent by your plan with in-network providers. Choose any doctor from the Open Access network as a PCP to help coordinate your care, or go without a primary care doctor.
Open Access Value Plans
Want the benefits of the Open Access plan for a lower premium? These plans provide limited copay visits and generic prescriptions before your deductible, and the same great provider network as regular Open Access plans. Value plans have 70/30 coinsurance, and higher out-of-pocket maximums, but they give you a sample of a full comprehensive plan for a lower price. Provider selection is in your favor with thousands of in-network options, and non-network coverage, as well.
Health Savings Plans
Pay a very low monthly rate in exchange for full responsibility in cost sharing until your deductible is met. After you reach your contract year deductible, all of your care is covered at 100 percent. Prescriptions, physicians, hospitals care, and more are all included, with the option of adding a tax-advantaged health savings account. These plans give members the vast selection of the Open Access Provider Network, and the ability to use out-of-network care.
For more information on Cigna plans in Colorado, call an agent at 888 803 5917. Compare rates on these and other plans in your area by getting a free health insurance quote.