Cigna was created when Connecticut General Life Insurance Company merged with the Insurance Company of North America (INA) in 1982. The Insurance Company of North America was established in 1792 in Philadelphia, which was the first marine insurance company in the nation. Connecticut General also has quite a history, having been incorporated since 1865 by the Governor of the state. Together as Cigna, the company has grown into one of the most recognizable health insurers in the United States, offering products abroad in 30 countries to 71 million customers. Their products include integrated health care such as medical, dental, vision, pharmacy, and behavioral health, as well as life, accident, and group disability insurance.
Cigna has been recently honored at the White House and received an award from the National Business Group on Health for their efforts to reduce health care disparities. Cigna individual health insurance products in Tennessee connect members with a network of nearly 15,200 physicians and over 140 hospitals throughout the state. Their PPO plans make prescriptions affordable with access to many retail pharmacies in the national network, or a home delivery option. Along with extensive coverage throughout the state, members receive access to a large national network.
Cigna Individual Plans in Tennessee
Open Access Plans
Providing Tennessee residents with the ability to use in network or out of network physicians and facilities, Open Access plans are a comprehensive source of coverage. These plans provide coverage on many services, such as hospital care, surgeries, and and unlimited number of office visits to a primary care doctor or specialist for a copay. Prescriptions are also covered at various levels, including generics and brand names, though some may be subject to a separate deductible. Coinsurance is either 20 percent after deductible, or your care is covered entirely by your plan.
Open Access Value Plans
For those who want a lower monthly premium with benefits resembling a comprehensive plan, Open Access Value plans give you coverage on a limited amount of doctor’s office visits for a copay and other benefits. Services such as emergency care and ambulance rides, inpatient and outpatient hospital care, diagnostic services, and durable medical equipment are included for your chosen level of coinsurance after deductible. Cost sharing is slightly higher than regular Open Access plans, as coinsurance is 70/30 regardless of the deductible you select.
Health Savings Plans
With the lowest premiums of all health plans from Cigna in Tennessee, these plans leave you responsible for medical costs prior to reaching your deductible. Depending on your plan, coverage will be 80 or 100 percent when you meet the deductible for all covered services. Initially, you may receive preventive care for no additional cost. All services, including prescriptions, physician care, and hospital care are included in the annual deductible. Connect your plan to an HSA to receive tax advantages with each service you pay for using your health savings account.
To view rates on all Cigna plans offered in your area, get a quick, free health insurance quote. Contact us if you have any questions about Cigna health plans in Tennessee at 888 803 5917.