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CIGNA Health Insurance in CALIFORNIA – Health Plan Options

CIGNA — Open Access 1000

A comparison of the Open Access 1000 offered by CIGNA is detailed out below for both Network and Non-Network coverage.

	Network	Non-Network
Network	See Provider	See Provider
Coinsurance	CIGNA pays 80% after deductible is fulfilled	CIGNA pays 60% after deductible is fulfilled
Office Visit	Primary Care Physician - $25 copay (deductible waived), Specialist - $50 copay (deductible waived)	CIGNA pays 60% after deductible is fulfilled
Copay	Primary Care Physician - $25, Specialist - $50	CIGNA pays 60% after deductible is fulfilled
Deductible	Individual: $1,000, Family: $3,000	Individual: $2,000, Family: $6,000

CIGNA — Open Access 1500

A comparison of the Open Access 1500 offered by CIGNA is detailed out below for both Network and Non-Network coverage.

	Network	Non-Network
Network	See Provider	See Provider
Coinsurance	CIGNA pays 70% of eligible charge	CIGNA pays 50% of eligible charges
Office Visit	Primary Care Physician: $30 copay, Specialist: $40 copay	Primary Care Physician: CIGNA pays 50% after deductible, Specialist: CIGNA pays 50% after deductible
Copay	Primary Care Physician: $30 copay, Specialist: $40 copay	Primary Care Physician: CIGNA pays 50% after deductible, Specialist: CIGNA pays 50% after deductible
Deductible	Individual: $1,500, Family: $3,000	Individual: $3,000, Family: $6,000

CIGNA — Open Access 2000

A comparison of the Open Access 2000 offered by CIGNA is detailed out below for both Network and Non-Network coverage.

	Network	Non-Network
Network	See Provider	See Provider
Coinsurance	CIGNA pays 80% of eligible charges	CIGNA pays 60% of eligible charges
Office Visit	Primary Care Physician - $25 copay (deductible waived), Specialist - $50 copay (deductible waived)	CIGNA pays 60% (once the annual deductible amount is fulfilled by the member)
Copay	Primary Care Physician - $25, Specialist - $50	CIGNA pays 60%
Deductible	Individual: $2,000, Family: $4,000	Individual: $4,000, Family: $8,000

CIGNA — Open Access 3000

A comparison of the Open Access 3000 offered by CIGNA is detailed out below for both Network and Non-Network coverage.

	Network	Non-Network
Network	See Provider	See Provider
Coinsurance	CIGNA pays 80% of eligible charges	CIGNA pays 60% of eligible charges
Office Visit	Primary Care Physician: $40 copay, deductible waived, Specialist: $60 copay, deductible waived	Primary Care Physician: CIGNA pays 60% after deductible is fulfilled, Specialist: CIGNA pays 60% after deductible is fulfilled
Copay	Primary Care Physician: $40 copay, deductible waived, Specialist: $60 copay, deductible waived	Primary Care Physician: CIGNA pays 60% after deductible is fulfilled, Specialist: CIGNA pays 60% after deductible is fulfilled
Deductible	Individual: $3,000, Family: $6,000	Individual: $6,000, Family: $12,000

CIGNA — Open Access 5000

A comparison of the Open Access 5000 offered by CIGNA is detailed out below for both Network and Non-Network coverage.

	Network	Non-Network
Network	See Provider	See Provider
Coinsurance	CIGNA pays 80% of eligible charges	CIGNA pays 60% of eligible charges
Office Visit	Primary Care Physician - $30 copay (deductible waived), Specialist - $60 copay (deductible waived)	CIGNA pays 60% (once the annual deductible amount is fulfilled by the member)
Copay	Primary Care Physician - $30, Specialist - $60	CIGNA pays 60%
Deductible	Individual: $5,000, Family: $10,000	Individual: $10,000, Family: $20,000

CIGNA — Health Savings 1900

A comparison of the Health Savings 1900 offered by CIGNA is detailed out below for both Network and Non-Network coverage.

	Network	Non-Network
Network	See Provider	See Provider
Coinsurance	CIGNA pays 70% of eligible charges	CIGNA pays 50% of eligible charges
Office Visit	Primary Care Physician: CIGNA pays 70% after deductible, Specialist: CIGNA pays 70% after deductible	Primary Care Physician: CIGNA pays 50% after deductible, Specialist: CIGNA pays 50% after deductible
Copay	N/A	N/A
Deductible	Individual: $1,900, Family: $3,800	Individual: $3,800, Family: $7,600

CIGNA — Health Savings 3400

A comparison of the Health Savings 3400 offered by CIGNA is detailed out below for both Network and Non-Network coverage.

	Network	Non-Network
Network	See Provider	See Provider
Coinsurance	CIGNA pays 100% of eligible charges	CIGNA pays 50% of eligible charges
Office Visit	Primary Care Physician: CIGNA pays 100% after deductible, Specialist: CIGNA pays 100% after deductible	Primary Care Physician: CIGNA pays 50% after deductible, Specialist: CIGNA pays 50% after deductible
Copay	N/A	N/A
Deductible	Individual: $3,400, Family: $6,800	Individual: $6,000, Family: $13,600

CIGNA — Health Savings 4900

A comparison of the Health Savings 4900 offered by CIGNA is detailed out below for both Network and Non-Network coverage.

	Network	Non-Network
Network	See Provider	See Provider
Coinsurance	CIGNA pays 100% of eligible charges	CIGNA pays 50% of eligible charges
Office Visit	Primary Care Physician: CIGNA pays 100% after deductible, Specialist: CIGNA pays 100% after deductible	Primary Care Physician: CIGNA pays 50% after deductible, Specialist: CIGNA pays 50% after deductible
Copay	N/A	N/A
Deductible	Individual: $4,900, Family: $9,800	Individual: $9,800, Family: $19,600