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After
years of outstanding
customer service and
commitment to community,
CIGNA has established a
reputation as a true
Business of Caring®.
They strive to improve
quality of life not only
for their customers but
also for the individuals
in the communities they
serve, as evidenced in
not only their service
but also their corporate
charitable work.
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CIGNA
brings this commitment
to security and service
to its customer service;
their coverage options
support a wide range of
lifestyles and economic
levels:
PPO: Members
who choose the CIGNA PPO
product reserve the
right to pick any
doctor, without a
referral, but who wish
to stay primarily within
the standard CIGNA
Preferred Provider
structure. In-network
care receives a higher
level of benefit
reimbursement, and no
PCP (Primary Care
Physician) is necessary.
HMO: This
solution offers access
to outstanding health
care and security with a
reliable cost structure
and lower monthly
premium. To receive
benefits, members must
opt for treatment within
CIGNA's provider
network, and cannot
receive any
out-of-network benefits.
POS: The POS
option offers members a
unique freedom to design
their own coverage, such
that they can decide
between in-network and
out-of-network care on a
per-incident basis.
Out-of-pocket costs
remain lower when the
member seeks in-network
treatment, but POS
members retain the
flexibility to elect
providers at will.
Other Options:
CIGNA recognizes that
every member has a
unique need, so they
also feature a number of
additional products and
coverage supplements to
fit and support a wide
range of lifestyles. The
CIGNA ChoiceFund Health
Savings Account
(HSA),
Indemnity option, and
Open Access programs are
a few of these products,
and as consumer need
continues to change and
grow, so too will their
available coverage
options.
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health
insurance
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