Page 7 - Think Goodness Enrollment Guide

OAP AND LOCAL PLUS MEDICAL NETWORK

Open Access Plan

Includes Mayo and Banner
 You have the option of choosing a primary care provider (PCP) to guide your care (it is recommended but not required)
 You can see a specialist without a referral
 Using doctors and health care facilities in the Cigna network may keep your costs lower
 You can choose doctors or facilities not part of the Cigna network, but your costs may be higher
 You have coverage for emergency and urgent care
 You’ll pay an annual amount – a deductible – before your plan begins to pay for covered costs
 Once you meet your deductible, you pay a copay or coinsurance amount and the plan pays the rest of covered costs*
 Once you meet an annual limit on your payments – out-of-pocket maximum – your plan pays 100% of covered costs

Local Plus Plan
The LocalPlus network has richer provider contracts so that your total out of pocket costs are less
 Once you meet an annual limit on your payments – out-of-pocket maximum – your plan pays 100% of covered costs
 You have a High-Performance network* that is limited to doctors, specialists and hospitals in your local area who understand the
needs of your community
 You have the option of choosing a primary care provider (PCP) to guide your care (it’s recommended, but not required)
 You don’t need a referral to see a specialist
How you can save:

 In your local area, or when in any LocalPlus Network area, you must receive care from a health care professional or facility in this
network to receive in-network coverage.
 If you’re away from home and need care, just look for a participating LocalPlus doctor in the area or if outside the LocalPlus
service area, you can use doctors or hospitals in our Away From Home Care feature.
 If you choose to go outside the LocalPlus Network when one is available (or outside the Away From Home Care feature when
LocalPlus isn’t available), you will receive out-of-network coverage.
 You’ll pay an annual amount – a deductible – before your plan begins to pay for covered costs.
 Once you meet your deductible, you pay a copay or coinsurance amount, and the plan pays the rest of covered costs.
Only services covered by the health plan count toward the deductible.
 The LocalPlus network has richer contracts so your out-of-pocket costs are less.

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