Cigna | Gen Digital

Cigna offers a national network of doctors, hospitals, and health care providers. The Cigna plans all cover in-network preventive care and preventive generic prescription drugs at 100%. They differ in things like the annual deductible and out-of-pocket maximum.

No matter which plan you choose, you’ll always pay less when you see in-network providers.

Plan highlights What you pay for coverage How the plans pay for care Deductible Out-of-pocket maximum Learn more Get help with Cigna One Guide

Plan highlights

In addition to preventive care, wellness programs, and behavioral health, all Cigna plans include:

What you pay for coverage

The amount you pay for coverage through payroll deductions depends on the plan you enroll in and who you choose to cover. Review team member contributions for each medical plan.

How the plans pay for care

When you visit an in-network provider, the plans pay for 100% of your preventive care, with no deductible.

Each plan has an annual deductible and out-of-pocket maximum. Depending on the plan, you pay a coinsurance percentage or copayment for some services.

Deductible

Your deductible is the amount you need to pay each year before the plan starts paying. The amount of your deductible depends on the plan you choose and whether you cover only yourself or yourself plus other family members.

The amount you pay for all covered medical costs counts toward both the in- and out-of-network deductibles.

Cigna HSA plan

2025 in-network deductibles: $1,650 for team member-only coverage, $3,300 for team member plus spouse or domestic partner, $3,300 for team member plus children, and $4,800 for team member plus family.
Each covered family member contributes toward the same collective deductible.
The plan doesn’t pay its share of costs for any member until the collective deductible has been met.
The deductible is the same amount whether you stay in-network or go out-of-network.
The deductible applies to all services—medical (excluding preventive care), behavioral health, and prescription drugs.
Once you’ve met the full deductible for your family, each member pays 10% coinsurance for most in-network services.

Cigna OAP plan

In-network deductibles: $350 for team member-only coverage, $700 for team member plus spouse or domestic partner, $700 for team member plus children, and $1,050 for team member plus family.
The plan has an individual deductible: Once a covered family member meets their $300 individual in-network deductible, the plan pays its share of costs for that person’s medical expenses.
Once the family deductible has been met, the plan pays its share for every covered family member’s medical expenses.
The deductible is higher for out-of-network services, so you save money when you stay in-network.
Any amount you pay toward your deductible counts toward both the in- and out-of-network deductibles.
The deductible applies to medical (excluding preventive care) and behavioral health services.

Cigna OAP 500 Arizona plan

In-network deductibles: $500 for team member-only coverage, $1,000 for team member plus spouse or domestic partner, $1,000 for team member plus children, and $1,500 for team member plus family.
The plan has an individual deductible: Once a covered family member meets their $500 individual in-network deductible, the plan pays its share of costs for that person’s medical expenses. You pay a copayment for services.
Once the family deductible has been met, the plan pays its share for every covered family member’s medical expenses. You pay a copayment for services.
The deductible is higher for out-of-network services, so you save money when you stay in-network.
Any amount you pay toward your deductible counts toward both the in- and out-of-network deductibles.
The deductible applies to medical (excluding preventive care) and behavioral health services.

Out-of-pocket maximum

The out-of-pocket maximum is the most you will pay during the year for covered medical services. Like the deductible, the out-of-pocket maximum for each plan is different.

Cigna HSA plan

In-network out-of-pocket maximum: $2,500 for team member-only coverage, $5,000 for team member plus spouse or domestic partner, $5,000 for team member plus children, and $6,850 for team member plus family.
Each covered family member contributes toward the same collective maximum.
The out-of-pocket maximum is higher for out-of-network services.
The out-of-pocket maximum applies to all services—medical, behavioral health, and prescription drugs.
Once you’ve met the full out-of-pocket maximum for your family, the plan pays 100% for in-network services.

Cigna OAP plan

In-network out-of-pocket maximum: $2,500 for team member-only coverage, $5,000 for team member plus spouse or domestic partner, $5,000 for team member plus children, and $7,500 for team member plus family.
The plan has an individual out-of-pocket maximum: Once a covered family member meets their $2,500 individual in-network out-of-pocket maximum, the plan pays 100% of that person’s medical expenses.
Once the family out-of-pocket maximum has been met, either in-network or out-of- network, the plan pays 100% of every covered family member’s medical expenses.
The out-of-pocket maximum is higher for out-of-network services, so you save money when you stay in-network.
The out-of-pocket maximum applies to all services—medical, behavioral health, and prescription drugs.

Cigna OAP 500 Arizona plan

In-network out-of-pocket maximum: $2,500 for team member-only coverage, $5,000 for team member plus spouse or domestic partner, $5,000 for team member plus children, and $7,500 for team member plus family.
The plan has an individual out-of-pocket maximum: Once a covered family member meets their $2,500 individual in-network out-of-pocket maximum, the plan pays 100% of that person’s medical expenses.
Once the family out-of-pocket maximum has been met, either in-network or out-of-network (or both), the plan pays 100% of every covered family member’s medical expenses.
The out-of-pocket maximum is higher for out-of-network services, so you save money when you stay in-network.
The out-of-pocket maximum applies to all services—medical, behavioral health, and prescription drugs.

Learn more

To compare coverage and see how each plan pays for services, view the 2025 plan comparison chart [PDF].

Get help with Cigna One Guide

Need help understanding your medical plan or navigating the health care system? Cigna One Guide [PDF] is your go-to resource for medical and prescription drug coverage information.

A Cigna One Guide representative can help you:

Find in-network doctors, hospitals, and other providers
Obtain cost estimates
Resolve coverage or health care issues
Understand your medical bills
Save time and money
Get the most out of your plan

Call 888-806-5042 to speak with a Cigna One Guide representative.