With so many PPO options available to you, we at MyPrivateHealthInsurance know how difficult it can be to narrow down good providers. There are always so many questions about who gives the best service for the most affordable premiums. We partnered with Cigna PPO because we believe in what they offer to their clients. Over the years, we’ve looked at what Cigna provides for its members, and we’ve consistently seen individuals who are happy with their service. The preferred provider organization that Cigna offers to its clients extends to hundreds of doctors and specialists around the country.
Who is Cigna?
Cigna is a global health company that has dedicated itself to three crucial defining elements:
By negotiating individual rates for members, Cigna makes getting help from in-network doctors and specialists a lot more affordable than out-of-network options
Easy access to healthcare
Members can choose where they want to go an how they’d like to cover their visit
With so many insurance companies interested in slipping things into the “fine print,” Cigna opts to let you know upfront about what you’ll be dealing with before you make your visit to your provider.
All of the company's defining facets are represented within the company's PPO plans.
Understanding Cigna's PPO Plan
Cigna has several defining characteristics in their PPO that makes them unique. While many plans don’t necessarily ask you to determine a primary care provider (PCP), Cigna’s PPO suggests it and goes further to advise you to choose a provider that’s within their network. This definition enables the company to better plan out your healthcare and allows a person they can contact regarding your use of their services. While you should define a PCP, the PPO doesn’t explicitly require that you to. It’s just to make life easier for both you and the company.
There is a significant difference between in-network costs and out-of-network costs as well.
That’s why the Cigna PPO prefers that you use in-network physicians and specialists rather than those out of network. Simply put, in-network physicians offer much more to clients for being a member of the Cigna PPO. Additionally, relying on in-network professionals reduces the amount of paperwork that you would have to submit. It can also reduce the cost of your visit and the out-of-pocket expenses incurred by a significant amount.
The Option of Choice
Out of network visits are permitted, but there are several drawbacks to seeking out a specialist or physician outside of the Cigna PPO network. You will be responsible for obtaining all the required documentation and forwarding it to Cigna so that they can deal with payments. Additionally, out-of-network services have a separate deductible that you may be required to meet before your plan starts covering your expenses. If you choose to visit a physician either in or out of network, Cigna covers 80% of that visit’s cost, the same as with outpatient payments. Inpatient costs for in-network providers come at almost half the price of the same service for out-of-network providers.
Global Emergency Coverage
Cigna PPO also gives members access to global emergency and urgent care coverage. This coverage will cover you twenty-four hours a day, seven days a week. The details of what is covered in this situation are available in your agreement signed with Cigna. Emergency care services are covered 100% by the plan after copays. These services include emergency room services and urgent care facility services. You even have access to an ambulance if you need it.
Affordable Quality Service
The premiums that Cigna PPO requires from members are negligible when compared with other similar providers. These premiums are designed to offer the maximum coverage within Cigna’s network while still giving users affordable access to their benefits. With most of your healthcare bills covered under Cigna PPO, you get the flexibility of visiting any professional you’d like without having to worry about the bills incurred. Copayments to out-of-network providers are significantly higher, but the benefits you get from in-network professionals suggest leveraging them where you can to ease the financial burden.
Choosing a Plan Responsibly
At MyPrivateHealthInsurance, our utilities give you a picture of where you can best spend your money. However, we also have opinions on some of the more popular providers on the market today. From our investigations, Cigna PPO provides excellent value for money for members who sign up with them. Not only are they a recognized name in the health insurance industry, but their dedication to their customers’ health and the three tenets of their organization make them a unique provider and one you should pay attention to.
Cigna is a global health company
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