Cigna HMO and Network Point of Service (POS)
Cigna  HMO and Network Point of Service (POS) plans let you decide where
to get care. You may use out-of-network providers, but your costs are lower
and level of coverage higher when you use CIGNA HealthCare participating
providers.

CIGNA Point of Service (POS) plans offers choice where to get care.

Choose In-network providers
One of the best ways to control costs and get the most from a POS plan is to
choose an in-network Primary Care Physician (PCP) to coordinate care. He
or she can treat for a wide variety of conditions, provide important
preventive care checkups and tests, and make referrals to participating
specialists and facilities.

Choose out-of-network providers
Members have the choice to see whomever they want; however, when care
is received from a doctor or facility that is not in the CIGNA HealthCare
network, out-of-pocket costs will be higher. The member must pay the entire
cost of any care receive until the annual deductible is met. Once the
deductible is paid, your coverage begins and the member pays a
percentage of the
Adeeb Barsoum (480)205-5553
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