With so many different types of health insurance plans to choose from, it can be hard to determine which one is best for you. Whether you’re looking to enroll as an individual or through your employer, it’s important to know all of your options. Unfortunately, not all Cigna plans are available in every state at this time. If you have a specific address listed on your profile, we can let you know if the plan you’re interested in is available where you live. That said, most people should be able to get coverage under the right plan type. Here’s a brief overview of what each plan has to offer and which might be best for you:
Cigna Healthcare Basics Plan
If you’re just looking for a bare-bones policy, the Cigna Healthcare Basics Plan may be the best option for you. This plan provides only the basic coverage you’re legally required to have. It has low premiums but doesn’t cover any of the more expensive services like surgeries or hospital stays. This plan is ideal for young, healthy individuals who want to keep their costs as low as possible. If you’re a parent and want health insurance for your kids, this is also a great option. Cigna Healthcare Basics plans are often the least expensive option to cover a family of three or more.
Cigna SmartHealth Plan
If you’re looking for a mid-range health insurance policy, you may want to consider the Cigna SmartHealth Plan. This plan gives you a little more than the bare-bones coverage, but not as much as the Premier plans. If you have a pre-existing health condition, the SmartHealth plan may be the best option for you. The SmartHealth plan does not exclude coverage for pre-existing conditions, which means you can get the coverage you need. If you’re looking to cover a family with a SmartHealth plan, it’s worth noting that Cigna does not offer a family plan at this level. You’ll have to move up to a higher-level plan to cover your family members.
Cigna Health Network Plans
The Cigna Health Network Plans are some of the most popular plans on the individual marketplace. These plans offer a little more than the SmartHealth plan but are not as comprehensive as Premier plans. One important thing to note about the Health Network Plans is that they include a network of providers. This means that you’ll only be covered if you see a provider in the network. If you want a plan with a wider selection of providers, you may want to look at the Premier plans. If you’re a young, healthy individual, the Health Network Plans are a great option. You’ll get more coverage than the basic plan but pay much less than a Premier plan. If you’re looking for a plan for a family, you’re out of luck. Cigna does not offer family plans at this level.
Cigna Exclusive Provider Organization (EPO) Plan
If you have a specific medical condition and need a more comprehensive health insurance policy, an EPO plan may be for you. EPO plans provide benefits for all types of medical care. This means you can get coverage for expensive procedures, like organ transplants and chemotherapy. EPO plans are often more expensive than other policy types. However, if you need a plan that gives you the most coverage possible, this may be the best option for you. If you’re buying an EPO plan and have a pre-existing condition, the Cigna plan may be a good choice. The Cigna plan does not exclude coverage for pre-existing conditions. This means you can get the coverage you need even with a pre-existing condition.
Cigna Premier Plans
Premier plans are the most comprehensive type of health insurance plan offered by Cigna. Premier plans cover all types of medical care and have many different customization options. You can choose the level of coverage that works best for your individual needs. Premier plans are more expensive than other types of plans. However, if you have a serious medical condition, the comprehensive coverage a Premier plan provides may be worth the extra cost.
Cigna Better Hearing and Vision Plan
If you or a member of your family has to wear hearing aids or use vision correction (like contacts or glasses), the Cigna Better Hearing and Vision Plan may be your best choice. This plan covers routine hearing and vision care at a reduced rate, which means you’ll pay less out of pocket for these services. If you have a serious vision or hearing issue, this plan also provides some limited benefits for treatment. For example, in some cases, the plan will cover the cost of a hearing aid. If you have a serious vision issue, the plan may even cover the cost of laser corrective surgery.
If you’re looking for affordable health insurance, there are plenty of plans to choose from at Cigna. Whether you’re buying an individual or family plan, you’ll have options to suit your needs and budget. Keep in mind, however, that not all plans are available in every state. If you have a specific address listed on your profile, we can let you know if the plan you’re interested in is available where you live. For the best coverage and value, it’s important to understand the different types of health insurance plans available. Once you’ve determined which plan type is best for you, it’s easy to compare health insurance plans at Cigna and find the coverage that works best for your budget.