Plans and Services
- Medical
- Pharmacy
- Health and Wellness Programs
- Behavioral Health Programs
- Dental and Vision
- Health Savings and Spending Accounts
- Cost Control Strategies
- Supplemental Health Solutions
- Accidental Injury, Critical Illness, and Hospital Care (Indemnity) Insurance
Who We Serve
By Size
- Small Businesses (2-99 employees)
- Small to Midsize Businesses (100-499 employees)
- Midsize to Large Businesses (500-2,999 employees)
- Large Businesses (3,000+ employees)
By Type
- Hospitals and Health Systems
- Higher Education
- K-12 Education
- State and Local Governments
- Taft-Hartley and Federal
- Third-Party Administrators
- View all business types
International
- Health Insurance for Expats
- IGO/NGOs
- Multinational Businesses
Employer Resources
- Cigna for Employers Portal Features
- Learn more about the tools and resources you'll have access to in the Cigna for Employers online portal.
Plans and Services
Plans and Services
Who We Serve
Who We Serve
- Small Businesses (2-99 employees)
- Small to Midsize Businesses (100-499 employees)
- Midsize to Large Businesses (500-2,999 employees)
- Large Businesses (3,000+ employees)
- Hospitals and Health Systems
- Higher Education
- K-12 Education
- State and Local Governments
- Taft-Hartley and Federal
- Third-Party Administrators
- View all business types
- Health Insurance for Expats
- IGO/NGOs
- Multinational Businesses
Employer Resources
Employer Resources
Preferred Provider Organization (PPO) Medical Plans
Offers employees options and convenience with in-network care savings.
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There was a problem submitting your data, please try again later.Cigna Healthcare PPO Health Plan Overview
Cigna HealthcareSM* PPO plans are a large, national network similar to Open Access Plus (OAP) plans, but offers more choice with flexibility for out-of-network care. Our national network of Primary Care Providers (PCPs) and facilities makes it easy for employees to get access to care when needed.
Your plan will vary based on what you discuss with your local Cigna Healthcare representative, but here is a basic summary of how PPO plans typically work:
PPO Plan
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PCP Required
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PCP Auto-Assignment Included
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Referrals to Specialists Required
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Out-of-Network Coverage
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Urgent/Emergent Services Coverage
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Prior Authorization Required
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Self-funded Options Available
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Option to Offer HSA, HRA, or FSA
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Cost-Sharing Options
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** Lock-in plans are available to restrict out-of-network coverage.
*** May be required for hospitalizations and some types of outpatient care
**** Available through customized deductibles, copays, coinsurance, and out-of-pocket maximums
Find in-network providers
View prescription drug lists
View more health insurance plans for employers
Health Maintenance Organization (HMO) Plans
LocalPlus® Plans
Medical Network Plans
Cigna Open Access Plus (OAP) Plans
Cigna SureFit® Plans
Group Medicare Plans
Medical Indemnity Plan
Visit our Knowledge Center for helpful information you can share with your employees:
What is the Difference Between an HMO, EPO, and PPO?
Preferred Provider Organization (PPO) vs. Point of Service (POS) Plans: What’s the Difference?
Explore Products and Solutions
*Offered by Cigna Health and Life Insurance Company or its affiliates
In Utah, plans are offered by Cigna Health and Life Insurance Company.
View Cigna Healthcare Company Names
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 PPO plans are insured and/or administered by Cigna Health and Life Insurance Company. 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 complete details of coverage, contact your Cigna Healthcare representative. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al
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Cigna Healthcare Information
The Cigna Group Information
Disclaimer
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.
All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna Healthcare sales representative. This website is not intended for residents of New Mexico.
La aseguradora publica el formulario traducido para fines informativos y la versión en inglés prevalece para fines de solicitud e interpretación.
The insurer is issuing the translated form on an informational basis and the English version is controlling for the purposes of application and interpretation.