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  • Home Individuals & Families Shop for Plans Plans Offered Through Your Employer Medical Network Plans

    Medical Network Plans

    Plans designed for you to work with your primary care provider (PCP) to help coordinate your care.

    What are Medical Network Plans?

    These health plans offer you cost-efficient access to a local network that's limited to quality doctors, specialists and hospitals, right where you live, and who understand the needs of your community.

    Medical Network Plans At-a-Glance

     
    Medical Network Plan
    Medical Network Point of Service Plan
    Medical Network Open Access Point of Service Plan
    In-Network PCP Required?
    Yes
    Yes
    Optional
    Specialist Referrals Needed?
    (Except for OB/GYN services)
    (Except for OB/GYN services)
    No referral needed
    Out-of-Network Coverage Included?
    Emergencies only*
    Coverage included at a cost
    Coverage included at a cost

    Medical Network Plan

    • In-network primary care provider (PCP) required for yourself and your covered dependents.
    • Referrals needed from your PCP for specialists, except for OB/GYN services. 
    • Out-of-network services will only be covered in emergencies*.
    • Prior authorizations (pre-approval) may be needed for hospitalizations and some types of outpatient care.
    • Plans include global emergency and urgent care coverage*, 24/7.

    Medical Network Point of Service Plan

    • A primary care provider (PCP) is required for yourself and your covered dependents.
    • Referrals needed from your PCP for specialists, except for OB/GYN services. 
    • Out-of-network services are covered but you will have higher out-of-pocket costs and you may need to file a claim.
    • Prior authorizations (pre-approval) may be needed for hospitalizations and some types of outpatient care.
    • Plans include global emergency and urgent care coverage*, 24/7.

    Being offered a Cigna Healthcare Medical Network 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

    Are you a new member?

    If you've recently enrolled in a Cigna HealthcareSM plan through your employer, here are next steps:

    Activate your myCigna account1Check out member programs and services

    Buying a plan on your own?

    This page features plans you get through an employer. If you're looking for plans you can buy for yourself or your family, we can help get you there.
    Find a plan that's right for you

    View Cigna Healthcare Company Names

    *For emergency and urgent care services as defined by your plan documents.

    1Customers under age 13 (and/or their parent/guardian) will not be able to register at myCigna.com.

    In California, Medical Network health plans are insured by Cigna HealthCare of California, Inc. In other states, plans are insured 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: OK - HP-APP-1 et al., TN - HP-POL43/HC-CER1V1 et al. (CHLIC).

    I want to...
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    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 The Cigna Group Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of The Cigna Group.

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