Cigna – Colorado Health Plans
Cigna is a global health service company dedicated to helping people improve their health, well-being and sense of security.
Medical plans are available to residents living in the following counties in Colorado:
Adams, Arapahoe, Broomfield, Denver, Douglas, Jefferson
You have coast-to-coast coverage
Cigna medical plans in Colorado offer the freedom to use health care professionals in the LocalPlus® Network. When outside of the LocalPlus Network service areas we offer in-network access to providers in the Open Access Plus Network.
How it works:
The LocalPlus Network provides access to health care professionals in your area and other parts of the country. Some of the health care professionals in the LocalPlus Network have separately earned the Cigna Care Designation – recognized for achieving top results on Cigna quality and cost-efficiency measures. When you receive care from a health care professional or hospital in the LocalPlus Network the visit is considered in-network, which helps you incur less out-of-pocket expenses. The LocalPlus Network is a smaller network of participating health care professionals, specialists and hospitals within the larger Cigna Open Access Plus (OAP) Network. Cigna contracts with the LocalPlus Network of health care professionals to ensure that you have referral-free access to quality care, and to keep your health care costs lower. When you are traveling and you are not in a LocalPlus service area, you have access to health care professionals in the Open Access Plus Network and the visit is considered in-network. You also have the freedom to visit a health care professional or hospital not in the network at any time, but you will pay more out-of-pocket for that visit.
Plan Overviews
| Catastrophic | Bronze HSA | Bronze 7150/100 | |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. – In Network(Single/Family) | $7,150/$14,300 | $6,500/$13,000 | $7,150/$14,300 |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. – Out of Network(Single/Family) | $21,450/$42,900 | $19,500/$39,000 | $21,450/$42,900 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services – In Network(Single/Family) | $7,150/$14,300 | $6,500/$13,000 | $7,150/$14,300 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services – Out of Network(Single/Family) | $42,900/$85,800 | $39,000/$78,000 | $42,900/$85,800 |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max – In Network | 0% | ||
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max – Out of Network | 30% | ||
| PCP (In Network) | $0 for 3; Copay | Deductible | $35 for 3; Deductible |
| Specialist (In Network) | Deductible | ||
| Urgent Care (In Network) | Deductible | ||
| Aurora Quickcare/Bellin Fastcare | $0 for 3; the Copay | Ded/Coins | $15 Copay |
| Emergency Room (In- & Out-of-Network) | Deductible | ||
| CGHC Doctor Line | $0 for 3; then $40 | $40 | $0 for 3; then $35 |
| In-Network Preventative Care | $0 | ||
| Prescription Drugs (Tier 1) | Deductible | ||
| Prescription Drugs (Tier 2) | Deductible | ||
| Prescription Drugs (Tier 3) | Deductible | ||
| Prescription Drugs (Specialty) | Deductible | ||
| Silver 3800/80 | Silver HSA | Silver 2500/80/Copay 35 | Silver 2400/80 | Silver 2000/70 | Silver 3500/80 | Silver 5200/80 | |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. – In Network(Single/Family) | $3,800/$7,600 | $3,000/$6,000 | $2,500/$5,000 | $2,400/$4,800 | $2,000/$4,000 | $3,500/$7,000 | $5,200/$10,400 |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim.– Out of Network (Single/Family) | $11,400/$22,800 | $9,000/$18,000 | $7,500/$15,000 | $7,200/$14,400 | $6,000/$12,000 | $10,500/$21,000 | $15,600/$31,210 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services – In Network(Single/Family) | $7,150/$14,300 | $5,600/$11,200 | $7,150/$14,300 | $7,150/$14,300 | $7,000/$14,000 | $7,150/$14,300 | $7,150/$14,300 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services – Out of Network(Single/Family) | $21,450/$42,900 | $16,800/$33,600 | $21,450/$42,900 | $21,450/$42,900 | $21,000/$42,000 | $21,450/$42,900 | $21,450/$42,900 |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max – In Network | 20% | 20% | 20% | 20% | 30% | 20% | 20% |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max – Out of Network | 50% | ||||||
| PCP (In Network) | $35 Copay | Ded/Coins | $35 Copay | Ded/Coins | Ded/Coins | $30 Copay | $50 Copay |
| Specialist (In Network) | $60 Copay | Ded/Coins | $75 Copay | Ded/Coins | Ded/Coins | $65 Copay | $80 Copay |
| Urgent Care (In Network) | $50 Copay | Ded/Coins | $50 Copay | Ded/Coins | Ded/Coins | $75 Copay | Ded/Coins |
| Aurora Quickcare/Bellin Fastcare | $15 Copay | Ded/Coins | $15 Copay | Ded/Coins | Ded/Coins | $30 Copay | $15 Copay |
| Emergency Room (In- & Out-of-Network) | $300 Copay | Ded/Coins | $300 Copay | Ded/Coins | Ded/Coins | Deductible; then $400 | Ded/Coins; then $300 |
| CGHC Doctor Line | $0 for 3; then $35 | $40 | $0 for 3; then $35 | $0 for 3; then $40 | $0 for 3; then $40 | $0 for 3; then $30 | $0 for 3; then $40 |
| In-Network Preventative Care | $0 | ||||||
| Prescription Drugs (Tier 1) | $25 Copay | Ded/Coins | $25 Copay | Ded/Coins | $10 Copay | $15 Copay | $10 Copay |
| Prescription Drugs (Tier 2) | $55 Copay | Ded/Coins | $65 Copay | Ded/Coins | Ded/Coins | $50 Copay | Deductible; then $75 |
| Prescription Drugs (Tier 3) | $75 Copay | Ded/Coins | $75 Copay | Ded/Coins | Ded/Coins | $100 Copay | Deductible; then $75 |
| Prescription Drugs (Specialty) | Ded/Coins | Ded/Coins | Ded/Coins | Ded/Coins | Ded/Coins | 40% Coins; then Deductible | Ded/Coins |
| Gold 1000/90 | |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. – In Network(Single/Family) | $1,000/$2,000 |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. – Out of Network(Single/Family) | $3,000/$6,000 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services – In Network(Single/Family) | $7,150/$14,300 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services – Out of Network(Single/Family) | $21,450/$42,500 |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max – In Network | 10% |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max – Out of Network | 40% |
| PCP (In Network) | $35 Copay |
| Specialist (In Network) | $60 Copay |
| Urgent Care (In Network) | $50 Copay |
| Aurora Quickcare/Bellin Fastcare | $15 Copay |
| Emergency Room (In- & Out-of-Network) | $300 Copay |
| CGHC Doctor Line | $0 for 3; then $35 |
| In-Network Preventative Care | $0 |
| Prescription Drugs (Tier 1) | $10 Copay |
| Prescription Drugs (Tier 2) | $45 Copay |
| Prescription Drugs (Tier 3) | $75 Copay |
| Prescription Drugs (Specialty) | Ded/Coins |
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Cigna Colorado Hospitals
