CIGNA Open Access Plus
CIGNA Open Access Plus plans offer choice and convenience - access to a broad national provider network, while allowing members to make their own health care choices. Members have the choice to use providers participating in the Open Access Plus network or the option to use providers out of network. 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 received until the annual deductible is met. Once the deductible is paid, your coverage begins and the member pays a percentage of the cost (coinsurance) of subsequent care.