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    • Home Employers Group Health Insurance Medical Plans LocalPlus®

    LocalPlus® Plans

    Delivers a flexible, cost-effective solution designed to help control health care costs, without sacrificing the quality and convenience your employees want and expect.

    Building a new benefits package?

    LocalPlus Health Insurance Plans Overview

    Cigna HealthcareSM* LocalPlus plans are locally focused which allows for cost savings to be passed on to you and your employees. We collaborate with health care communities to create local, limited networks of health care providers, specialists, and hospitals to provide support where your employees live. Employees can access the Cigna Healthcare LocalPlus network in 30+ service areas. When employees are temporarily outside of a LocalPlus service area, they may use the Away from Home Care feature which provides nationwide coverage at in-network cost.

    Premiums for LocalPlus plans are often lower than Preferred Provider Organization (PPO) and Open Access Plus (OAP) plans, due to the local, limited network. Deductibles for LocalPlus plans can also be lower and cost-sharing options are available through customized deductibles, copays, coinsurance, and out-of-pocket maximums.

    Your plan will vary based on what you discuss with your local Cigna Healthcare representative, but here is a basic summary of how LocalPlus plans typically work:

    Plan Features
    LocalPlus Plan
    PCP Required
    PCP Auto-Assignment Included
    Referrals to Specialists Required
    Out-of-Network Coverage
    **
    Urgent/Emergent Services Coverage
    Self-funded Options Available
    Option to Offer HSA, HRA, or FSA

    ** Lock-in plans are available to restrict out-of-network coverage.

    View list of areas where LocalPlus plans are available1

    State
    Service Areas
    Arkansas
    Statewide
    Arizona
    Phoenix
    Tucson
    California
    North (Bay Area, Greater Sacramento Area, Central Valley)
    South (All counties)
    Colorado
    Front Range (Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, El Paso, Jefferson, Larimer, and Weld counties)
    Mountain (Eagle, Routt, and Summit counties)
    West (La Plata, Mesa, and Montezuma counties)
    Florida
    Orlando
    South Florida
    Tampa
    Georgia
    Atlanta
    Augusta
    Columbus
    Macon
    Northeast
    Northwest
    Rome
    Savannah
    Illinois
    Chicago and NW Indiana areas
    Kansas
    Wichita
    Maryland
    Statewide
    Massachusetts
    Statewide (excluding Dukes and Nantucket counties)
    Missouri
    St. Louis
    Kansas City
    Nevada
    Las Vegas
    Reno
    New Jersey
    North
    South
    Oregon
    Statewide (excluding Malheur county)
    Rhode Island
    Statewide
    Tennessee
    Statewide
    Texas
    Austin
    Dallas/Ft. Worth
    Houston
    San Antonio
    Utah
    Salt Lake City
    Northeast
    Washington
    Statewide

    LocalPlus gets results

    When compared to clients in similarly designed Cigna OAP plans, LocalPlus clients could save up to 18% in total medical costs.2

    Find in-network providers

    Staying in-network can help your clients lower costs.

    View prescription drug lists

    See which drugs are covered by your plan.
    Visit our Knowledge Center for helpful information you can share with your employees:

    Explore Products and Solutions

    *Offered by Cigna Health and Life Insurance Company or its affiliates

    View Cigna Healthcare Company Names

    1 This listing is not all inclusive and is as of January 2023; subject to change.

    2 Potential savings estimated, based on an internal national Cigna Healthcare study conducted in 2022 comparing our LocalPlus and LocalPlus IN plans with our Open Access Plus (OAP) and Open Access Plus IN (OAPIN) plans with the same benefit structure, deductibles, copay and out-of-pocket maximum limits. Savings are not guaranteed and will vary depending on plan design, geographic distribution and utilization patterns. Medical cost savings do not directly translate to rate or premium rates.

    This plan provides access to a network that is smaller than our national Open Access Plus (OAP) network. In this plan customers have access to in-network benefits only from the health care professionals and facilities in the LocalPlus network when in a LocalPlus Network service area. Please consult the limited network directory or visit the online directory at Cigna.com to determine which health care professionals and facilities are included in the LocalPlus network. For a paper copy, contact your Cigna Healthcare representative.

    Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna Healthcare representative.

    Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT), or its affiliates. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT). Policy forms: OK – HP-APP-1 et al., OR – HP-POL38 02-13, TN – HP-POL43/HC-CER1V1 et al. (CHLIC); GSA-COVER, et al. (CHC-TN).

    © 2023 Cigna Healthcare.

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    Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.

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