Copay: Not Applicable Coinsurance: 50.00% Coinsurance after deductible Exclusions: N/A Benefit Explanation: Out-of-Network: You pay the same level as in-network if it is an emergency as defined by the plan, otherwise you pay 100%. Most of our plans have a fourth-quarter deductible carryover to help you save money when you need services at the start of a new benefit year. 2 Or, when emergency room care is needed, all of our plans provide peace of mind so you know you won’t receive surprise medical bills from us after the fact. And, if you have a chronic condition, we.
- Cigna Copay For Therapy
- Cigna Ppo Emergency Room Copay
- Cigna Emergency Room Copays
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About Cigna-oscar
Cigna + Oscar have joined forces to offer Exclusive Provider Organization (EPO) plans to small businesses, covering Northern and Southern California. The partnership combines Cigna’s LocalPlus® network with Oscar’s tech-driven approach to customer service and care navigation. Cigna + Oscar deliver health insurance that understands the unique needs of small businesses and their employees.
Cigna + Oscar offers EPO plans in all four metal tiers with a variety of benefits, such as:
- Dedicated care teams to help members manage their care
- Access to Virtual Urgent Care, available 24/7 with a $0 copay on all plans through the Oscar app
- Access to Cigna’s behavioral health network, including Talkspace, for mental health resources
Click below for details on Cigna + Oscar plans.
Quick Plan Highlights
Below are some of our most popular Cigna-oscar health plans along with a snapshot of plan coverage and out-of-pocket costs. For a complete list of coverage options, click Download All Plans below to see the most current plan information.
Network LocalPlus Calendar Year Deductible $2,250 / $4,500 (combined Med/Pediatric dental ded) (applies to Max OOP) Out-of-Pocket Max Ind/Fam: $8,550 / $17,100 Dr. Office Visit (PCP): $45 Copay (ded waived) Urgent Care: $90 Copay (ded waived) Emergency Room $425 Copay Network LocalPlus Calendar Year Deductible None Out-of-Pocket Max Ind/Fam: $7,000 / $14,000 Dr. Office Visit (PCP): Urgent Care: $50 Copay Emergency Room $350 Copay Network LocalPlus Calendar Year Deductible None Out-of-Pocket Max Ind/Fam: $3,600 / $7,200 Dr. Office Visit (PCP): $10 Copay Urgent Care: $25 Copay Emergency Room $150 Copay
| Network | LocalPlus |
|---|---|
| Calendar Year Deductible | $2,250 / $4,500 (combined Med/Pediatric dental ded) (applies to Max OOP) |
| Out-of-Pocket Max Ind/Fam: | $8,550 / $17,100 |
| Dr. Office Visit (PCP): | $45 Copay (ded waived) |
| Urgent Care: | $90 Copay (ded waived) |
| Emergency Room | $425 Copay |
| Network | LocalPlus |
|---|---|
| Calendar Year Deductible | None |
| Out-of-Pocket Max Ind/Fam: | $7,000 / $14,000 |
| Dr. Office Visit (PCP): | |
| Urgent Care: | $50 Copay |
| Emergency Room | $350 Copay |
| Network | LocalPlus |
|---|---|
| Calendar Year Deductible | None |
| Out-of-Pocket Max Ind/Fam: | $3,600 / $7,200 |
| Dr. Office Visit (PCP): | $10 Copay |
| Urgent Care: | $25 Copay |
| Emergency Room | $150 Copay |
Get a Quote
View More Carriers
The CaliforniaChoice employee benefits program lets your employees select health plans (HMO, PPO, HSA, and more) from nine of California's top carriers while you determine how much your
company will contribute.
Click on any of the logos below to learn more about our carrier partners
What's the difference between the two?
It's important to know where to go when you're dealing with an illness or injury. Let's look at the difference between an urgent care center and an emergency room to help you choose the right care.
If you need immediate medical attention, your first thought may be to go to the emergency room (ER). But if your condition isn't serious or life-threatening, you may have a less expensive choice. An urgent care center provides quality care like an ER, but can save you hundreds of dollars.
If you have a life threatening situation, go to your nearest emergency room or call 911.
Urgent Care Centers
Urgent care centers handle non-life-threatening situations, and many are staffed with doctors and nurses who have access to x-rays and labs onsite. Most urgent care centers are open late and on weekends and holidays.
Cigna Copay For Therapy
Choosing an urgent care center over the emergency room (ER) can save you time and money.
An urgent care center can treat you for common conditions such as:
Cigna Ppo Emergency Room Copay
- Earaches and infections
- Minor cuts, sprains and burns
- Fever and flu symptoms
- Cough, cold and sore throat
- Animal bites
- Mild asthma
- Urinary tract infections
- Headaches
- Back and joint pain
Emergency Rooms
Cigna Emergency Room Copays
Emergency rooms are meant for true medical emergencies. They can handle trauma, x-rays, surgical procedures, and other life-threatening situations. Most hospitals have an emergency room that's open 24 hours a day, seven days a week.
Does Cigna Insurance Cover Emergency Room Visits
An emergency room may be best if you experience:
- Sudden numbness or weakness
- Disorientation or difficulty speaking
- Sudden dizziness or loss of coordination
- Seizure or loss of consciousness
- Shortness of breath or severe asthma attack
- Head injury/major trauma
- Blurry or loss of vision
- Severe cuts or burns
- Heart attack, chest pain or chest pressure
- Overdose
- Uncontrolled bleeding
- Coughing or vomiting blood
- Severe allergic reactions