Do I need to pick a primary care physician (PCP)?
You’re not required to choose a PCP, and you don’t need referrals to see a specialist. But choosing a PCP may still make sense. A PCP knows your medical history and can help coordinate your care. The amount you pay for office visits will be based on which tier your doctor is in.
Do all of my doctors need to be in the same tier?
No, you can see providers in any of the three tiers. For example, you might see your PCP who is a Tier 1 Parkland Health provider. Your allergist may be in Tier 2, and your dermatologist might be in Tier 3. What you pay for office visits will depend on which tier your doctor is in. Remember, Tier 1 providers offer the highest level of benefits and lowest copays. Log in to myCigna.com to see a list of providers in Tier 1 and Tier 2. (Prior to Jan. 1, 2024, search for doctors in the Cigna Open Access Plus Network at Cigna Health Care Provider Directory.) Providers not on this list would be considered Tier 3, and you will receive out-of-network benefits for those office visits.
Do I get a Health Savings Account (HSA) with the PPO?
No, the HSA is only available if you enroll in the HDHP. If you enroll in the PPO, you can contribute to the Health Care Flexible Spending Account (FSA).