Cigna Health Insurance 2020
Cigna health insurance for 2020 is available in 12 states. This health insurance provider offers basic and comprehensive plans. To get a quote online, you will just have to enter your zip code and basic identifying information.
However, this company does not offer short-term insurance plans. They are beneficial to fill any temporary gaps in coverage that may occur during a change in employment or a certain life event.
Despite the lack of such coverage, the company has a huge network of physicians. Plus, it has a health savings account and high-deductible plans. Further, it offers home-care services and health and wellness programs.
The Open Enrollment
Open Enrollment for health insurance in 2020 has not yet started. However, you can apply for coverage if you are qualified for the Special Enrollment Period.
Among the many health insurance plans available, you might wonder which plan is the right one for you?
To help you better understand the many different Cigna health insurance 2020 plans, here are some details of the most popular health insurance plans.
Health Maintenance Organization includes a local network of physicians and hospitals. Compared to PPO and EPO, this plan has lower premiums.
It is the right option for you if you have no special medical care needs. Keep in mind that this plan requires you to see a primary care physician in the plan to coordinate your medical care.
If you are okay with playing a higher deductible in exchange for a lower premium, then this plan can be an ideal option.
Preferred Provider Organization includes a wider network of doctors. In that case, you can have a wide array of doctors and hospitals that you can pick. The premium in this plan is higher than the HMO. However, you can enjoy the flexibility of choosing your own physician.
For individuals who do not mind paying high out-of-pocket costs to get such flexibility, then PPO is a better option than HMO.
Exclusive Provider Organization is another health insurance with more pocket-friendly options than PPO. But getting medicare outside of your plan’s network may not automatically get covered.
This plan is ideal for individuals who are looking for lower premiums but can deal with paying a higher deductible when they need medical care.
In-Network and Out-of-Network
When you read the details of the plan you wish to buy, you may encounter terms such as in-network and out-of-network coverage.
The in-network doctor is a network of physicians who could accept your plan. When you choose to visit an in-network doctor or physician, your out-of-pocket expenses are quite lower. The reason for this is that these physicians agreed to charge patients in this plan lower fees.
For out-of-network doctors, the physicians are not part of the network. Thus, the out-of-pocket expenses are higher if you choose these physicians.
Is Emergency Medical Care Covered?
Your medical care during an emergency hospital visit is covered. However, you will need approval for non-emergency hospital stays. You need to inquire Cigna about it to ensure that your plan covers hospitalization.
However, pre-certification is not needed for maternity stays for two days. But it depends on the kind of child delivery you undergo. If it is natural or vaginal delivery, you do not need precertification for 48 hours of stay. If it is a cesarean section, you can stay for 96 hours with the said certification. Additional coverage may be provided. But it all depends on your plan.
Does Cigna Offer Medicare Advantage Plans?
Original Medicare is provided by the federal government. However, many individuals consider the coverage of the Original to be insufficient.
Hence, they opt for Cigna’s Medicare Advantage plans. MA includes Par A and B. It may also include Part D or prescription drug coverage. To qualify for MA, however, you will have to be enrolled in Parts A and B.
If you purchase supplemental coverage, you may obtain Medicare Supplement Insurance. It can assist you in paying copays, coinsurance, and deductibles. These are the factors that Original Medicare does not include.
The next step is to decide whether you need to lower your prescription drug cost. If you do, you must consider getting Part D.
Do You Need Supplemental Insurance?
Your primary health insurance may not be enough to pay for all the medical expenses. This is where supplemental insurance plans become useful.
The plan can assist you in paying for any out-of-pocket healthcare expenses. These would include deductibles and copays. They are especially beneficial when an accident happens or when you contract a serious illness.
The best thing about these policies is that you are paid directly to help with your daily expenses, like childcare, groceries and utility bills.
The supplemental policies may not be ideal for all individuals. However, they can give you peace of mind knowing that your finances are protected from unexpected events.
What to Consider when Buying a Health Insurance in 2020?
There is no one-size-fits-all health insurance. It all depends on your medical care needs. When shopping for quotes, you must consider the deductible of the plan. This is the item that you need to pay before your plan can pay for your medical services. Opt for a lower deductible if you need several medical care services.
It is vital to remember, though, that plans with low deductibles have high premiums. Thus, make sure to understand your plan’s deductibles and premiums.
Another thing to consider is the network. To lower the overall cost, though, you would consider a plan that has a network where your doctor is part of.
If you take several prescription medicines, it is vital to choose a plan that includes prescription medicines. Make sure to peruse the plan to know what is part of your prescription coverage.
To easily compare Cigna health insurance 2020 quotes, you may use our online tool for free. You just need to input your zip code and some basic details to obtain your free quotes.
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