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Health Maintenance Organization (HMO) Plans
Includes global emergency and urgent care coverage* 24 hours a day, seven days a week.
What is an HMO Plan?
A Health Maintenance Organization (HMO) health plan offers a local network of doctors and hospitals for you to choose from.
Cigna Healthcare HMO Plans At-a-Glance
HMO Point of Service
HMO Open Access
HMO Open Access Point of Service
|In-Network PCP Required?
|Specialist Referrals Needed?
No referral needed
No referral needed
|Out-of-Network Coverage Included?
What are Cigna Healthcare HMO Open Access and Point of Service Open Access Plans?
An HMO Open Access, or Health Maintenance Organization Open Access plan, is type of health plan that offers you flexible coverage along with tools and resources.
Cigna Healthcare HMO and HMO Point of Service Plan features
- You will need to select an in-network primary care provider (PCP) for yourself and your covered dependents. You can change your PCP at any time.
- The PCP you choose will coordinate your health care needs and refer you to specialists as needed except for OB/GYN services. You don't need a referral for OB/GYN services. Cigna HealthcareSM may need to pre-certify hospitalizations and other outpatient care, but there's no paperwork for you when using in-network providers.
Cigna Healthcare HMO Open Access and HMO Point of Service Open Access Plan features
- You have the option of choosing a primary care provider (PCP) to serve as your personal health advocate and coordinate your health care. It’s recommended, but it is not required.
- You don’t need referrals for in-network specialists however if you do see a PCP, they may refer you to a specialist after the initial exam. Cigna Healthcare may need to pre-certify hospitalizations and other outpatient care, but there's no paperwork for you when using in-network providers.
Cigna Healthcare HMO and HMO Open Access out-of-network services
Out-of-network services will only be covered if the treatment is considered emergency or urgent care as defined by your health plan documents.
Cigna Healthcare HMO Point of Service and HMO Point of Service Open Access out-of-network services
Out-of-network services may be covered but you will pay more out of pocket and you may need to file a claim.
Being offered a Cigna Healthcare HMO 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?
*Emergency and urgent care services as defined by your health plan documents will be covered at the in-network level.
1 Customers under age 13 (and/or their parent/guardian) will not be able to register at myCigna.com.
Cigna HMO plans are offered by Cigna HealthCare of Arizona, Inc., Cigna HealthCare of California, Inc., Cigna HealthCare of Colorado, Inc., Cigna HealthCare of Connecticut, Inc., Cigna HealthCare of Florida, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Indiana, Inc., Cigna HealthCare of St. Louis, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of New Jersey, Inc., Cigna HealthCare of South Carolina, Inc., Cigna HealthCare of Tennessee (CHC-TN), Inc., and Cigna HealthCare of Texas, Inc. Plans contain exclusions and limitations and may not be available in all areas. For costs and details of coverage, see your plan documents. CHC-TN policy form: GSA-COVER, et al.
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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.