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Medical Plans for Employees

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Point-of-Service (POS) Plan

A POS plan combines features of an HMO and an indemnity plan. You receive care in one of two ways. There is an in-network HMO-like component offering a full range of services provided or authorized by your primary care physician or by an in-network specialist. In addition, there is an out-of-network component similar to traditional indemnity insurance.

More information about the POS plan:

Your Option

Health Maintenance Organizations (HMO)

A health maintenance organization (HMO) plan offers a full range of services provided or authorized by your PCP or by an in-network specialist. You may only receive benefits for medical services and supplies received from a network provider, except in a true emergency. However, you do not have to meet a deductible before the plan pays benefits.

More information about HMO plans:

Your Options

Cigna Contact Information and Forms

(for claims and issues related to medical services occurring on or before December 31, 2017)