CIGNA – Illinois
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 Illinois are Preferred Provider Organization (PPO) plans, Open Access plans, and Health Savings Accounts (HSA).
Preferred Provider Organizations (PPO) differ from Health Maintenance Organizations (HMO) plans in that HMO plans require members to see in-network care providers, such as primary care doctors, specialists and hospitals. In consequence, Health Maintenance Organizations are usually the cheaper plan between the two. Preferred Provider Organization plans provide members the option of choosing out-of-network care providers at an additional copay rate. CIGNA’s Open Access plans allow members to choose their Primary Care Physician and while referrals are necessary in a Health Maintenance Organization plan, referrals are not necessary under Open Access plans when seeing an out-of-network specialist.
Health Savings Accounts are usually chosen by individuals and families who want control over their health insurance dollars and want responsibility over their health and who usually choose healthier lifestyles. Health Savings Accounts are flexible whether the member chooses to use the money for short-term copayments or long-term medical expenses in the future. HSAs also follow the individual if s/he switches jobs, careers or even marital status.
CIGNA offers programs in group plans and offers employee assistance programs. For more information about group insurance in Illinois, refer to our Illinois Small Business Group plan 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.