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CIGNA – Pennsylvania

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

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

CIGNA offers various programs and benefits to members within their network.  This includes CIGNA Intercorp, CIGNA International, CIGNA Voluntary, and CIGNA Group.

CIGNA’s group coverage expands through life insurance, accident insurance, as well as supplemental health insurance such as dental and vision care.  CIGNA also offers the Employee Assistance Program for employees in small businesses.  With this program, employees are able to choose from 24/7 telephone access to speak with a CIGNA representative and a few counseling sessions per unique issue per year.

CIGNA International is a program which covers life, accident and supplemental health insurance for individuals who are overseas working on a project for their company, or for individuals who are working for an international company.

CIGNA Voluntary includes discounts and benefits for pharmacy and medical as well as supplemental health insurance such as dental and vision care.

CIGNA’s most popular products in Pennsylvania are their Preferred Provider Organization Open Access Plan and their Health Savings Account.

Preferred Provider Organizations (PPO), unlike Health Maintenance Organizations (HMO), provide members with the option to choose from health care providers that are out of the carrier’s network at an additional copayment.   HMOs require members to choose primary care physicians, specialists and hospitals that are in the carrier’s network.  Open Access plans allow California residents to choose their Primary Care Physician and referrals are not necessary when seeing out-of-network specialists.

Some choose to have a Health Savings Account because they want to take responsibility over their health, and want to control where their health dollars are being spent.  Health Savings Accounts are flexible and follow the individual between jobs and between states if they decide to move.

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