Find In-Network Specialists
Great West (Cigna) offers HMO (Health Maintenance Organization) and POS (Point of Service) plans designed to provide comprehensive healthcare coverage while promoting cost-effectiveness and wellness. These plans emphasize preventive care and require members to choose a primary care physician (PCP), who serves as the first point of contact for medical issues. Each plan ensures access to a network of healthcare providers, enabling members to receive timely and appropriate care.
The HMO and POS plans from Great West (Cigna) are tailored to meet varying needs, emphasizing not only the treatment of illnesses but also lifestyle management and preventive health measures. They offer advantages such as lower premiums and out-of-pocket costs when services are obtained through in-network providers. For members requiring referrals for specialists or out-of-network services, the POS option adds flexibility, allowing a more personalized approach to healthcare while managing costs effectively.
The main difference lies in how care is accessed. HMO plans typically require members to select a primary care physician (PCP) and obtain referrals to see specialists. All healthcare services must be obtained within the HMO network for coverage. In contrast, POS plans also require a PCP and referrals for specialists but offer more flexibility, allowing members to seek care outside of the network, albeit at a higher cost.
Great West (Cigna) HMO and POS plans cover a comprehensive range of services, including preventive care (such as annual check-ups and vaccinations), primary care visits, specialist consultations, hospitalization, emergency services, mental health services, and prescription medications. Specific coverage details may vary by plan, so reviewing the policy for any exclusions or limitations is essential.
Out-of-pocket expenses for Great West (Cigna) HMO/POS plans typically include copayments, deductibles, and coinsurance, depending on the specific plan. HMO plans generally feature lower deductibles and copays than POS plans when services are accessed in-network. It's crucial for members to understand their plan's benefit details and cost-sharing requirements to effectively manage expenses.
Members can find in-network providers by utilizing the Great West (Cigna) online provider directory or by contacting customer support for assistance. The provider directory allows members to search for doctors, hospitals, and specialists who are part of the network, ensuring that they receive care at the lower in-network rates.
