Cigna's Health Maintenance Organization insurance allows subscribers and their family members covered by the plan to choose their primary care physician, according to the Cigna website. Subscribers select these physicians from the HMO network, with family members allowed to select different physicians.
Subscribers can change their primary care physicians at any point, notes Cigna. Subscribers have access to specialist care through referrals from their primary care physician, with the exception of OB/GYN physicians, who do not require a referral. Subscribers also have access to hospitalization and outpatient care services, with pre-certifications required in select circumstances. As of 2015, Cigna does not cover care costs under this plan if provided by out-of-network practitioners, with the exception of emergency services, which the company provides on an international basis. In addition to the annual plan deductible, subscribers are also responsible for co-pay and co-insurance as either set amounts or percentage of costs incurred in providing care.