: Buy-Up plans often use the Cigna OAP network, which typically does not require a primary care physician (PCP) referral to see a specialist.
: Many modern Cigna plans include $0 or low-cost virtual doctor visits for non-emergency issues like the flu or allergies.
: If you have chronic conditions, require regular specialist visits, or take expensive prescriptions, the lower copays and deductibles usually "pay for themselves" over the year. cigna buy up plan
: If you prefer the peace of mind of a higher monthly "subscription" fee to avoid a surprise $3,000 medical bill. Common Plan Features
Understanding Copays, Deductibles, and Coinsurance - Cigna Healthcare : Buy-Up plans often use the Cigna OAP
The specific numbers vary by employer, but the structural differences generally follow this pattern based on Cigna enrollment guides: Base Plan (Standard) Buy-Up Plan (Enhanced) Annual Deductible Higher (e.g., $1,500+) Lower (e.g., $250 - $1,000) Coinsurance You pay more (e.g., 20%) You pay less (e.g., 10%) Out-of-Pocket Max Higher (e.g., $5,500+) Lower (e.g., $2,500) Network Type Often restricted (e.g., LocalPlus) Often broader (e.g., Open Access Plus) Who Should Choose a Buy-Up Plan?
: Like all Cigna Marketplace plans , standard preventive care (physical exams, well-child visits) is typically covered at 100% with no copay, regardless of whether you choose the Base or Buy-Up option. : If you prefer the peace of mind
: If you know you have an upcoming surgery or are planning to start a family, the lower out-of-pocket maximum provides a predictable cap on your total costs.