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CIGNA – Missouri

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 Missouri are Preferred Provider Organization (PPO) plans, Open Access plans, and Health Savings Accounts (HSA).

For an in depth CIGNA Insurance Plan Summary in Missouri, visit http://www.healthplanone.com/healthinsurancestatecarrierplans.asp

CIGNA includes benefits for group plans such as life and accident products that are offered to employees and members through employers or associations.  CIGNA also offers the Employee Assistance Program.  The Program works on two levels: 24/7 telephone access and face-to-face assessments and counseling sessions.  The number of visits per unique issue per year may also depend on what plan the employer chooses.

For more information about group insurance in Missouri, visit our Missouri Small Business Group page.

CIGNA also offers benefits for those who work overseas for a project or who work for an international company.  These benefits cover life, accident and supplemental health insurance.  CIGNA’s Intercorp program focuses on preventing sicknesses and injuries and reduces expenses and time by providing a case-by-case management service to members.

CIGNA Voluntary includes medical and pharmacy discounts and benefits as well as dental and vision care.

Preferred Provider Organizations and Health Maintenance Organization are two of the main health insurance plans, however they are much different.  Health Maintenance Organization plans tend to be cheaper than Preferred Provider Organizations because they require members to use in-network health care providers, such as primary care doctors, specialists and hospitals.   Preferred Provider Organizations give members the choice to use out-of-network providers at an additional copay rate.  Open Access plans allow Missouri residents to choose their Primary Care Physician and referrals are not necessary when seeing out-of-network specialists.

Health Savings Accounts are for those who choose to take responsibility over their health and decide where to allocate their health care dollars.  These accounts are flexible and stay with the member if they move or if they switch careers.

For more information about CIGNA plans in California, contact us at 877-567-5267.