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