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Small Group POS Providers cont.
CIGNA

CIGNA Health Access (CHA):
CHA provides a point-of-service plan that combines cost containment features and active care management. Your employees will be able to go to out-of-network providers, but benefits are higher when staying in-network.

CIGNA HealthCare Point of Service Plan:
CIGNA HealthCare Point of Service Plan gives your employees the option to go to doctors and hospitals outside of the network while having a PCP to manage care and make referrals within the network. Members are covered for care outside our network, but benefits are highest and out-of-pocket costs are lowest when using in-network doctors and hospitals.

UNITEDHEALTHCARE

UnitedHealthcare Select and Select Plus:
UnitedHealthcare Select and Select Plus allows your employees to choose a primary care physician to coordinate their care. In some plans, the PCP will make referrals to specialists when necessary. With UnitedHealthcare Select, employees choose a primary care physician from a select network of physicians and hospitals. With UnitedHealthcare Select Plus, employees have the option to choose a non-network primary care physician, with somewhat higher deductibles and copayments.

UnitedHealthcare Select and Select Plus Highlights:

  • Primary Care Physician coordinates care with some plans
  • Referrals required for specialists
  • Women can see network OB/GYNs without referrals
  • Low copayments
  • Little or no out-of-pocket costs
  • No claim forms or bills for network care

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