Understanding Copays, Deductibles, and Coinsurance - Cigna Healthcare

: 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 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.

: Buy-Up plans often use the Cigna OAP network, which typically does not require a primary care physician (PCP) referral to see a specialist.

: If you prefer the peace of mind of a higher monthly "subscription" fee to avoid a surprise $3,000 medical bill. Common Plan Features

: Many modern Cigna plans include $0 or low-cost virtual doctor visits for non-emergency issues like the flu or allergies.

A is an enhanced health insurance option offered by employers that allows you to "buy up" from a standard base plan to a higher level of coverage in exchange for a higher monthly premium. While the base plan typically covers essential needs with lower premiums, the Buy-Up plan is designed to minimize your financial risk when you actually need care through lower deductibles and smaller out-of-pocket costs. Core Differences: Base Plan vs. Buy-Up Plan