CIGNA is a publicly traded company on the New York Stock Exchange, the Philadelphia Exchange as well as the Pacific Stock Exchange. CIGNA’s most popular plans in Maryland are Preferred Provider Organization (PPO) plans, Open Access plans, and Health Savings Accounts (HSA).
For an in depth CIGNA Insurance Plan Summary in Maryland, visit http://www.healthplanone.com/healthinsurancestatecarrierplans.asp
Preferred Provider Organization plans differ from Health Maintenance Organization plans. Health Maintenance Organization plans are usually the cheaper options; however Preferred Provider Organizations tend to be more flexible. Health Maintenance Organization plans require members to use in-network care providers such as primary care physicians, specialists and hospitals. Preferred Provider Organization plans allow members to use out-of-network care providers. Open Access plans also allow members to be able to choose their own Primary Care Physician (PCP) and members do not need a referral to see out-of-network specialists.
Health Savings Accounts are the option for those who want to take responsibility over their health, choose to live healthier lifestyles and want control over how their health care dollars are being spent. The Health Savings Account earns interest for the money that is not being spent, and is flexible whether the beneficiary is moving to another state or is changing careers. Members can choose to save their money for future medical operations and medical care or they can use their money for copayments.
CIGNA also offers benefits for members within the carrier. CIGNA offers the Employee Assistance Program for those in Maryland and who are part of a small business group plan. For more information about group plans in Maryland, visit our Maryland Small Business Group page.
Other benefits that CIGNA offers to members are international coverage programs when working oversees and case-by-case management services to reduce time and costs.
For more information about CIGNA plans in Connecticut, contact us at 877-567-5267.