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Plans through your employer
- Learn about the medical, dental, pharmacy, behavioral, and voluntary benefits your employer may offer.
- Explore coverage through work
- How to Buy Health Insurance
- Types of Dental Insurance
- Open Enrollment vs. Special Enrollment
- See all topics
Looking for Medicare coverage?
- Shop for Medicare plans
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Exclusive Provider Organization (EPO) Plan
Choose from a large, national network of providers and facilities.
What is an EPO Plan?
An Exclusive Provider Organization (EPO) is a health plan that offers access to a large, national network of providers and facilities for you to choose from. However, if you choose out-of-network health care providers, it usually will not be covered.
Cigna Healthcare EPO plan features
- If you get medical care outside of your plan’s network (such as a doctor, hospital, clinic or pharmacy that is not a Cigna HealthcareSM EPO provider), those out-of-network services are typically not covered under your EPO health plan.
- In an emergency (as defined in your plan documents), you will be covered. However, non-emergency hospital stays other than maternity stays and some outpatient procedures must be approved in advance.
Being offered a Cigna Healthcare EPO plan through work?
Use these helpful tools to help with your enrollment decisions.
Find in-network doctors
To find in-network providers, procedures, cost estimates, and more, search our provider directory.
Are your prescription drugs covered?
To find out which drugs are covered by your plan, use the Prescription Drug List.
Next steps for shoppers
You'll most likely enroll in your plan using your employer's enrollment tool/website. If not, check with your HR department.
Need help understanding how insurance plans work? To learn more, visit the Knowledge Center
Buying a plan on your own?
1 Customers under age 13 (and/or their parent/guardian) will not be able to register at myCigna.com.
Medical plans are insured and/or administered by Cigna Health and Life Insurance Company (CHLIC) or Connecticut General Life Insurance Company. Plans contain exclusions and limitations and may not be available in all areas. For costs and details of coverage, see your plan documents. Policy forms: OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC).
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The Cigna Group Information
Product availability may vary by location and plan type and is subject to change. All health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna Healthcare representative.
All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group Corporation, including Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North 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); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of The Cigna Group.