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Open Access Plus Plan (PPO)

This plan provides both in-network and out-of-network coverage. Some services have co-pays and some apply
coinsurance after members meet their annual deductible.
How the deductible works: If you enroll in employee-only coverage, the individual deductible of $500 applies. If you
enroll with one or more dependents, the family deductible of $1,000 can be met in one of two ways:

• After an eligible family member meets his or her individual deductible, covered medical expenses for that
family member will be paid based on the coinsurance level specified by the medical plan
• Or, after the family deductible has been met, covered medical expenses for each eligible family member will be
paid based on the coinsurance level specified by the plan

Taking these steps can help save money and lower health care costs
Receive Care in the Most Appropriate Setting
Costs can vary greatly depending on the type of care you need and where you receive it. Emergency rooms are high-cost
settings and sometimes those visits are not required.
Consider these lower-cost settings for minor illnesses and injuries:
• Doctor’s office
• Urgent Care facility
• Convenience Care Clinic (CVS MinuteClinic, Walgreens Take Care Clinic)
• Virtual Health PHYSICAL WELL-BEING
• 24/7 Nurse Line
Visit Lower-Cost Facilities with High-Quality Ratings
It is less expensive when you use LabCorp or Quest Diagnostics for your lab work. On average, these labs cost 75% less
than doctor’s office labs or hospital labs and they are of equal quality. This is a way to control rising health care costs
for you and all employees.

Maximize In-Network Benefits
Going to an in-network provider or facility gives you the benefit of Cigna’s discounted rate.

Open Access Plus In-Network Plan (EPO)

This plan only covers services that are received by in-network providers and facilities. Out-of-network services are not
covered under this plan unless in the case of an emergency. In-network services have co-pays.

Following these guidelines can help you get the best value for this plan
Make Sure You Stay in the Network of Doctors and Specialists: All providers you see must be in Cigna’s CareLink
network. A referred doctor may not be in the network.
Facilities: If you visit a facility for an outpatient service including lab work, scans or surgery, make sure they participate
in Cigna’s CareLink network.
Labs and Radiologists: If your in-network doctor sends your labs or scans that were performed in their office to a non-
participating location you will be responsible for the full cost. Remind your doctor to make sure they only send these
to other Cigna network providers.

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