Choosing insurance is always hard, because you absolutely need to have coverage, but there are so many options how do you know which is right for you? There are plenty of plans out there to suit everyone, but the problem is sifting through them to truly find the right type of solution. That’s why it’s important to get the right type of Cigna health insurance that’s going to work for you. Cigna offers quite a few, so there’s really bound to be something that suits you perfectly. You just have to go through the details and figure out what type of plan is going to suit your needs for the type of coverage that you’re after.
You’re going to find that individual health insurance from Cigna breaks down into a few different types of plans. It’s important to find the one that feels most like it offers you the right coverage options, as well as the care that you can count on. The most common plans offered by Cigna include:
1) Health Maintenance Organization.
This is your standard HMO as offered by Cigna, and it features the ability to provide you with a regular care doctor that you can see for all ailments. That means you’re going to be able to see that same person, and ensure that you’re going to be able to get someone that knows your history, and can come up with the best treatment options for you. Moreover, it also entails that you have to go through your physician in order to have any types of operations covered. If an operation hasn’t been approved by your primary care physician, you’re going to find that it won’t be covered by Cigna.
However, there are also HMO Access plans, which actually work more like a PPO, or Preferred Provider Organization, as they give you a network of PCP, or primary care physicians that you can choose. That entails that you can choose your own single PCP, or you can also choose to keep going to any PCP in the network that you feel most comfortable with, with the opportunity to change at any time.
2) Preferred Provider Organization/Exclusive Provider Organization plans.
Cigna health plans also provide for PPO and EPO coverage, which includes a network of doctors and facilities that you’re able to visit for care when the time comes. You can opt to see any doctor or go to any facility on the network, and your costs will be covered to the extent of your plan. However, with a PPO you’re able to go off network as well, and still incorporate some type of medical coverage into the payment, just not as much as normal. But with an EPO plan, you are only able to use network doctors, anything outside and you end up paying the full cost of your medical bill, insurance or no.
3) Cigna health insurance FSA/HSA accounts
These are specially established to help you in how you actually save money for upcoming medical expenses. With an FSA or Flexible Savings Account, you’re able to set aside pre-tax wages, for use with your medical care needs. This can be anything from coverage like dental, prescription drug, and any other type of medical care. Plus, with some FSA plans, Cigna will actually reimburse you for a percentage of the costs that you were required to pay out of pocket using the FSA.
For an alternative Cigna health plan, you might want to try an HSA which is specially made to provide you with a tax free account where you can save money for high deductible plans. This is the best when you can’t afford high premiums, but still want quality coverage. With this type of plan, you can ensure that you have standard medical coverage, it just costs more for the insurance to kick in, which you can account for throughout your Health Savings Account.
No matter which sorts of Cigna health insurance plans you decide to choose, it’s really important that you always get the facts straight from the source. That’s why it’s important you investigate http://www.cigna.com/ for all the information in detail about the different plans that they offer. This way you can make a more in depth and informed decision as to the best course to go with your healthcare insurance.