Understanding Health Insurance

Understanding
Health Insurance

Featured Health Insurance Articles
Cigna Connect health insurance plans give you access to the Cigna Connect network. This network has health providers in your local area that can provide you with personal care and attention. Learn more
There are advantages to using in-network providers. Cigna negotiates lower rates with these providers and that helps keep your out-of-pocket costs down. With a Cigna Connect plan, you have a Primary Care Provider serving as your "team leader" for your care. Learn more
Cigna is committed to helping you save. Learn about the advantages of preventive care services and understand the difference between facilities such as urgent care centers and the emergency room. Learn more
When you choose Cigna, you get a trusted partner who can help you get the most out of your plan. Review the features offered by Cigna plans. Learn more
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EOB

Explanation of benefits (EOB) is after you visit your doctor, you'll get an explanation of benefits outlining the services you received, how much they cost, and how much your plan paid

EPO

Exclusive Provider Organization (EPO) Plan is a managed care plan where services are covered only if you visit doctors, specialists, or hospitals in the plan's network (except in an emergency).

HMO

Health maintenance organization (HMO) is a type of medical plan that limits eligible coverage to a local service area and may not provide out-of-network coverage except for emergencies as defined by the plan.

HSA

Health Savings Account (HSA) is a tax-advantaged savings account used to pay for qualified health care costs. The account may be funded by an individual, an employer or both.

OOP

Out-of-pocket (OOP) is the total of your payments for covered expenses, which may include deductible, copayments, coinsurance and fees.

PPO

Preferred Provider Organization (PPO) is a health plan made up of health care professionals and hospitals contracted to deliver services at a negotiated rate (discount).