![]() The difference can add up quickly, so it's worth investing a few minutes reading your employee handbook or checking online. For example, as of 2018, all Methodist facilities in Memphis were in network for state employees, but the Baptist facilities were not. Before you make an appointment, it's usually a good idea to double-check which providers are in and out of the network. Your care providers will bill Cigna directly. ![]() Employees on Open Access plans might also need to have some outpatient care and hospitalizations pre-approved, but with an in-network provider, you won't have to do any paperwork. In an Open Access plan, you may have to file your own claim, but depending on the provider, you might not. Advantage Direct Access Health Plans Horizon MyWay Horizon EXPAND Dental Plans Voluntary Dental Vision Health Plus Plan Life & Disability International Medical Pet Insurance Medicare Advantage Horizon Blue App SEPtEMWHy HOrIzON 2021 OVErVIEW SMALL GrOUP INSUrANCE COVErAGE Now more than ever, you need health insurance you can. If you're on a PPO plan, you'll have to submit claims yourself for any out-of-network care. Emergency care is always covered by either plan, even if it's out of your network. With both plans, you're encouraged - but not required - to have a primary care provider to take overall responsibility for coordinating your care. In this instance, for example, the annual deductible for in-network care drops from $3,000 per family to just $600 per family. The low option reduces your premium, but increases your deductibles and co-pays, while the high option does the opposite. Some employers, such as shipping company Matson Inc., offer "Low Option" and "High Option" versions of these plans. There are similar differences in the co-pay amount for some procedures and services, and the annual cap on your out-of-pocket spending rises from $5,000 per family to $13,000 per family. The exact figures will vary with your plan and employer for example, the Episcopal Church Medical trust shows an annual deductible of $500 per person or $1,000 per family for in-network care, but double that amount for out-of-network care. Again, you have access to caregivers outside the network, but you'll pay for the privilege. ![]() Cigna's range of Open Access plans are also PPO plans at heart, but they offer access to a larger national network of health care providers.
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