What Types of Coverage Are Available for the CIGNA PPO Plan?


Quick Answer

The Cigna Preferred Provider Organization plan that employers offer provides dental, medical and vision coverage, according to the company website. Cigna notes that some products are not available in all states, and in some instances, plan sponsors may only offer these services.

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Full Answer

People who are enrolled under Cigna's Preferred Provider Organization plan are free to go to doctors or hospitals that aren't part of the company's network, though this method tends to cost more, and members may need to file claims, reports Cigna's website. The plan allows members to choose among in-network health care professionals to lower costs, and they aren't required to visit a primary care physician before receiving care. If a member needs to visit a specialist, he does not need a referral, though pre-certification may be necessary for certain kinds of outpatient care and hospitalizations. Emergency care is available worldwide as well.

Members of Cigna's Preferred Provider Organization plan need to pay an annual deductible before the company begins to pay for eligible health care costs, according to Cigna. Once members satisfy their deductibles, they need to pay either a percentage of the cost, also known as coinsurance, or a set amount, called a copay. The company's plan settles the rest of the health care costs.

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