OpenAccess1000
Cigna’s Open Access 1000 health insurance plan is one of the best available. This particular health policy offers a low deductible of $1000 and comprehensive health insurance coverage as well. Cigna is a reliable company as well as being highly rated. You can trust your health insurance needs to Cigna. Click this link to get a health insurance quote at anytime. We will cover some of the highlights of the Open Access 1000 plan below but you can always go to our main health insurance quote site for more information and to get a free health quote.
The Open Access 1000 plan is designed for those people who are looking for doctor office co pays, a lower deductible and a prescription drug benefit. This plan has a $1000 annual deductible for an individual or $2000 for the entire family combined. It is an 80/20 co-insurance plan meaning that you must meet your annual deductible and then you will be responsible for 20% of charges up to the out of pocket maximum of $2000 for an individual or $4000 for a family. So, the most total out of pocket you would pay is the $1000 deductible and another $2000 in co-insurance in the event of a major medical situation. If you consider that the cost of medical treatment is extremely expensive this plan is really great.
This Open Access plan also has a Co-pay of only $20 for your primary care physician and only $35 to see a specialist. That means you will pay the co-pay when you have a doctor office visit if you’re sick and go to see your family doctor. You do not have to meet your annual deductible in this situation. If you have “inpatient physician services” or “In-Hospital” care, Cigna will pay 80%.
There is also a “preventive care” benefit. For children up through age six, the office visit will cost $20 or $35 (primary care physician or specialist). Lab work, routine screenings and immunizations are covered…Cigna will pay 80% of charges and the deductible is waived. This also includes hearing screening for newborns.
Preventive Care for those seven years of age and older includes basically the same as above with the following exceptions:
Cigna will pay 100% up to $300 max per person per year for lab work, immunizations, flu shot, and routine services. They will pay 80% on mammogram, annual ob/gyn & pap smear screening, colorectal cancer screening and bone mass & osteoporosis screening. Cigna will pay 80% for contraceptive service and devices as well. There are other services such as inpatient hospital, outpatient services, emergency & urgent care services as well as several other services covered. Most are subject to deductible and co-insurance but you can request the official Cigna brochure from us here at Health Assurance Network so you can read the details.
Prescription Drug Coverage comes with this plan. There is a $250 deductible and a maximum benefit of $5000 per insured person per calendar year for brand name drugs. (doesn’t apply to generics)
There is a $10 co pay for generic drugs, $35 for brand name, $60 for Non Preferred Brand Name. You will pay 50% for self injectables.
Visit our main site to get a health insurance quote and then click on the plan your are interested in to read the official Cigna documentation which covers the plans in detail.