Cigna is one of the nation’s oldest insurers, formed by a combination of two ancient American health plans, INA, and Connecticut General Life Insurance Company. When these two companies joined forces in 1982 to sell health insurance, Cigna was created, and since they have become an international provider of insurance coverage. With operations in 30 countries, Cigna was primarily a group insurer, and only provides individual health insurance in a handful of states, Texas included. Their Texas network contracts with close about 41,900 doctors, specialists, and other healthcare providers, and more than 580 hospitals.
Texas residents have the same options as several of their other states, the Open Access series of products. Each of these plans gives members the ability to use any in- or out-of-network doctor or facility of their choice, with the option of selecting a primary care physician for more of an HMO approach. To accommodate the dense population of Texas, Cigna offers a large array of deductible and coinsurance choices to make sure you get the coverage you need. They have three main plans available: Open Access (a comprehensive copay plan), Open Access Value (a low-cost copay plan), and Health Savings Plan (an HSA-qualified high deductible plan).
Cigna Individual Plans in Texas
Open Access Plans
Connected to a large network spanning the state of Texas, these copay plans offer the greatest level of coverage. Office visits are covered without limit for a copay, in addition to generic prescription drugs. Preventive care is included for no cost with any in-network doctor, and you have the choice of 80 or 100 percent coverage after deductible on all remaining services. Though the premium is a bit higher than the other plans, it is well worth the immediacy and peace of mind.
Open Access Value Plans
Trying to save money but still want a few covered physician visits before your deductible? These plans incorporate copays for a limited number of office visits and prescriptions with a lower premium and higher deductible. Value plans also have higher out-of-pocket limits and coinsurance of 30 percent after deductible on hospital and diagnostic services. Use the same network as Open Access plans, but for less.
Health Savings Plans
Choose from one of two high deductibles to cover numerous services after it has been reached. With 100 percent covered after deductible, and the option of using a health savings account with tax advantages, these plans provide a different style of coverage. Still part of the Open Access network, members of HSA plans can stay healthy by using their free preventive services and Cigna’s wellness programs throughout the plan year.
Compare rates between Cigna individual health plans and other options in your area with a free, quick quote. For a personal consultation, call a licensed Texas agent at 888 803 5917.