Cigna Individual & Family Plans
CIGNA OPEN ACCESS PlANS®
CIGNA HealthCare plans, offered through Connecticut General Life Insurance Company, provide coverage you and your family can count on, along with a broad range of options and award-winning service. That way, you can protect your health and secure your future. Now that’s real value.
Protect your health, secure your future.
To protect your health, CIGNA* has put together health and pharmacy plans that help keep you and your family well. We provide the coverage you need, when you need it, along with award-winning customer service. With a full range of programs and services to enhance your coverage, you get real value in a health plan that’s right for you. CIGNA’s online tools and support help you make well-informed choices, so you can stay healthy. And that benefits everyone.
Care from every perspective.
CIGNA health plans help you get healthy and stay well. Whether it’s an annual physical or an emergency. Whether it’s to prevent a health problem or lessen complications from an illness. Whether it’s about your medical care or your medicine, you can count on us. Pure and simple. All it takes is one plan, one ID card and one member service center number. That way, you can live your life and enjoy peace of mind. And that alone can positively impact your health and well-being.
CIGNA Individual and Family Plans offer:
- Emergency care, surgery and hospital coverage to ensure you get the care you need when you’re sick or hurt.
- Prescription drug coverage that makes it affordable to stay well.
- Preventive care and wellness support to help you prevent a health issue, find health problems early, when treatment works best, or simply better manage a health concern.
To better serve you.
You have a concern. You’re wondering about your health. You have a question about a benefit. Or maybe you just want to talk to a live person. Just call the number on your CIGNA HealthCare member ID card and talk to a Member Service representative.
For two years in a row, CIGNA HealthCare’s Primary Member Services Call Centers have been certified by J.D. Power and Associates* for providing“An Outstanding Customer Service Experience.” We are proud to be the first national health insurance company so honored. We know that with each phone call, we have the privilege to serve our members. We never forget that we’re only as good as our last phone call.
Stretch your health care dollar.
At CIGNA, we negotiate with in-network providers to offer you the best value for your dollar. By using in-network doctors, you will pay a special contracted rate for services so you get immediate savings. Once you meet your deductible, CIGNA will pay a percentage of the contracted rate, and you are responsible for the copayment or coinsurance amount.
For more information on the specific benefits included in CIGNA Individual and Family Plans, please see the Plan Comparison provided by your CIGNA authorized agent.
*For J.D. Power and Associates Certified Call Center ProgramSM information, visit www.jdpower.com.
A health care plan on your terms.
Choose your plan. Everyone wants a plan with solid coverage and good value. But maybe you want the lowest possible monthly premium. Or, maybe you want a plan with a lower annual deductible but a higher monthly premium. Or, you might want to save money tax-free to pay for your medical expenses via a Health Savings Account (HSA). With CIGNA, you have a choice of plan options. In turn, you get a plan that’s responsive to your health care needs and your finances.
Choose your doctors with Open Access and Health Savings Plans.
If you select a CIGNA Open Access or Health Savings insurance plan, you have access to a network of more than 500,000 participating quality health care professionals and facilities throughout the country. You can stay with the doctor you have now. If you want to see a doctor who’s not in the CIGNA network, there’s no problem with these plans. Of course, your out-of-pocket costs will vary, but you’ll pay less when you see an in-network provider.
Choose your discounts. Get healthy and get rewarded. With the CIGNA Healthy Rewards®* program, you’re entitled to special offers and health and wellness discounts from participating providers. Discounts available include these services:
Choose door-to-door prescription delivery. If it’s more convenient, your prescriptions can come to you. You can order up to a 90-day supply of your prescription medications with one phone call to the CIGNA Tel-Drug home delivery program. There are no extra costs or delivery fees. You pay only your CIGNA mail-order pharmacy copayment.
What you know can make you healthier.
There’s an abundance of health information out there. But how do you know what’s right for you? We can help you get the most out of your health care plan with a variety of helpful tools and support to keep you well-informed. With CIGNA’s personalized website, you have easy access to interactive tools and health information. And if you need help, day or night, you can speak to a nurse, 24/7. Your resources include:
Online health management tool.
Learn how to help improve your health and well-being with CIGNA’s Health Risk Assessment. Using this online tool, you can assess your current health status, understand your potential health risks and establish goals to improve your health, reduce risks and prevent sickness. You can also request to receive information on specific health topics, programs and services provided by CIGNA HealthCare.
24-hour health assistance.
Call the CIGNA HealthCare 24-Hour Health Information LineSM for helpful, reliable health information, toll-free, anytime, anywhere in the United States. And if you’re out of the country, you can call us collect. Speak with a nurse when:
n Your child has a fever in the middle of the night. n You’re traveling and don’t feel well, and you’re unsure about the symptoms. n You have a minor injury and wonder if you should treat it yourself or see a doctor. n You need help locating a doctor when you are away from home.
You can also learn more about hundreds of health topics – everything from bumps and bug bites to varicose veins and X-rays, through CIGNA’s library of recordings. Just call the toll-free number on your CIGNA HealthCare ID card.
Personalized website.
With details about your plan, health information and a number of interactive tools, myCIGNA.com can help you better understand your benefits and make more informed decisions about where to receive care. Online, you can:
n View your plan coverage, copayments and deductibles. n View your claim history and verify plan details. n Order a new ID card or print a temporary one. n Pay your premium and view payment history. n Choose your doctor and create a personalized list of nearby doctors, hospitals
and pharmacies. n Refill your prescriptions and get a 90-day supply delivered to your door. n Check your prescription costs and learn about treatments and interactions for more
than 200 medications. n Learn how hospitals rank in quality and cost for various procedures, based on your
benefit plan. n Get facts on condition-specific procedures and treatments. n Assess your current health condition and learn how to make lasting improvements.
Explanation of benefits.
As a CIGNA HealthCare member, you’ll get an Explanation of Benefits, an easy-tounderstand financial explanation of the medical services you receive, including service dates, charges submitted, amount covered, your deductible, coinsurance/copayment and covered balance.
The proof is in the quality.
CIGNA HealthCare has earned Full accreditation – the highest accreditation possible – for our Open Access Plus (OAP) plans and our Preferred Provider Organization (PPO) plans nationwide from the National Committee for Quality Assurance (NCQA). In addition, all 23 CIGNA Health Maintenance Organization (HMO) and Point of Service (POS) plans that have undergone NCQA review have received Excellent accreditation – also the highest accreditation rating available for these plans. We’re proud that the NCQA, an independent organization, recognizes our commitment to give members the information, support
Individual and Family Plans in South Carolina
About the Plan
Our new Individual and Family Plans offer a simple-to-use, comprehensive health plan designed to provide you and your family with the comfort and peace of mind that comes with dependable health coverage. View our Cigna Individual Health Insurance Brochure South Carolina (PDF 1.6MB) for more information.
Eligibility Criteria
- Individuals age 64 1/2 or younger on the assigned effective date
- Children without an adult subscriber who are 3 months of age or older, up to age 19, regardless of student status
- You must be a resident of the state of South Carolina
Dependent Eligibility Criteria
- Your lawful spouse
- Your unmarried children, stepchildren, or adopted children who have not yet reached age 19
- Your own, or Your spouse’s unmarried children, regardless of age, enrolled prior to age 19, who are incapable of self support due to continuing mental retardation or physical disability and are chiefly dependent upon You for support and maintenance. Proof of disability and dependency is required.
Plan Type Overview
- Open Access Plan (New!)- flexible in and out-of-network coverage under a national network. No PCP or referral required.
- Health Savings Plan (New!) – high deductible plans allow you to use a tax-advantaged Health Savings Account (HSA) to help pay for your current medical expenses or save for future medical expenses. In and out-of-network coverage under a national network. No PCP or referral required.
Provider Network
Members enrolled in the new Open Access Plans or Health Savings Plans have access to the national Open Access Plus Network, contracted with over 500,000 participating quality health care professionals and facilities throughout the country.
For the most up-to-date health care professional listing, please visit the Provider Directory. Enter what kind of health care professional you’re looking for and click “continue search.”
CIGNA Open Access Plans®
True choice. You can choose an in-network health care professional or choose to receive care from one who isn’t part of the CIGNA network. It’s up to you.
Primary care. You have the option of choosing a Primary Care Physician as your personal doctor. With a Primary Care Physician, you have a valuable resource who acts as a personal health advocate. But, if you prefer, you also have the option of not choosing a Primary Care Physician.
Specialists. You have direct access to participating specialists. You do not need a referral to see an in-network or out-of-network specialist.
Please check the Summary of Benefits for more specific details about the CIGNA Open Access Plans.
A CIGNA Open Access Plan is right for you if:
3You want extensive coverage and a good value. 3You want a flexible plan. 3You want a national network of doctors and hospitals.
