When comparing Cigna LocalPlus vs. Open Access Plus, the main difference is network size. LocalPlus uses a smaller, local network of doctors and hospitals in select service areas, so premiums and deductibles are often lower. Open Access Plus uses Cigna's large national network, which gives you more choice but usually costs more. Neither plan requires referrals. Cigna says LocalPlus can save employers up to 18% in total medical costs compared with a similar OAP plan.
- LocalPlus uses a local, limited network in 30+ service areas. OAP uses a national network.
- Neither plan requires a primary care provider or referrals.
- LocalPlus includes Away From Home Care for in-network coverage when you're temporarily outside your area.
- LocalPlus can cost less, but only if your doctors are in its network.
Cigna LocalPlus vs. Open Access Plus: Side by Side
| Feature | LocalPlus | Open Access Plus |
|---|---|---|
| Network | Local, limited, in 30+ service areas | Large national network |
| Referrals | Not required | Not required |
| Primary care provider | Not required | Recommended, not required |
| Out-of-network care | Covered on some plans; lock-in versions limit it | Covered at a higher cost |
| Away from home | Away From Home Care while temporarily out of area | National network everywhere |
| Cost | Often lower premiums and deductibles | Usually higher |
Network Size and Your Doctors
LocalPlus networks include fewer doctors, specialists and hospitals. That's how they keep costs down. So the most important step is checking your doctors before you choose.
Search the Cigna directory using the exact network name on your enrollment materials. Then call each office to confirm. Our guides to checking if a doctor is in network and the Cigna provider network walk you through it.
Check your hospital, not just your doctor. If your preferred hospital isn't in the LocalPlus network, a surgery or emergency stay could cost far more than you expect.
Coverage When You Travel
With Open Access Plus, the national network goes where you go. With LocalPlus, in-network benefits apply in your service area. However, Cigna's Away From Home Care feature gives nationwide coverage at in-network costs when you're temporarily outside your LocalPlus area.
Emergencies and urgent care are covered on both. Even so, families with kids in college or members who split time between states usually do better on OAP.
A licensed Vivna agent can explain your options, plus individual, dental and vision plans, at no cost.
Which Costs Less?
In most cases, LocalPlus does. Cigna says premiums and deductibles can be lower than OAP and PPO plans because of the smaller network. In addition, Cigna estimates employers can save up to 18% in total medical costs, though savings aren't guaranteed.
Still, the cheaper plan only saves money if it covers your care. One out-of-network hospital bill can erase a year of premium savings. Compare costs using in-network vs. out-of-network costs, or call 888-730-6001.
How to Choose
| If this sounds like you | Better fit |
|---|---|
| All your doctors and your hospital are in LocalPlus | LocalPlus |
| You see specialists at a major medical center outside your area | Open Access Plus |
| You travel often or have family in other states | Open Access Plus |
| You want the lowest premium and stay local | LocalPlus |
| You want an HSA or HRA | Either; both can pair with one |
See every Cigna option in our guide to Cigna plan options.
Cigna LocalPlus vs. Open Access Plus: FAQs
Is Cigna LocalPlus an HMO?
No. It doesn't require a primary care provider or referrals. It's a local-network plan.
Does LocalPlus cover out-of-network care?
Some plans do. Lock-in versions limit out-of-network coverage, so check your plan.
Can I use LocalPlus when traveling?
Yes. Away From Home Care covers you at in-network costs when you're temporarily out of your area.
Is LocalPlus available everywhere?
No. It's offered in select service areas in more than 30 markets.
Can I switch from LocalPlus to OAP?
Usually during your employer's open enrollment or after a qualifying life event.
We'll compare individual, short-term, dental and vision plans for you. Call Monday through Friday, 9am to 6pm.
Sources
Network availability and plan features vary by employer and service area. Your plan documents have the final word. Vivna Insurance is a licensed, independent agency (NPN 19168641) and an appointed broker with Cigna for select products. We are not Cigna and don't administer employer plans.
Related guides
Find Local Health Insurance Help
Plans, prices and help programs change by state and even by county. These local guides show what is available near you.
More local help: the Georgia health insurance guide, plus guides for Florida, Texas, North Carolina and every state we serve.
Prefer to talk it through? Call 888-730-6001 Monday through Friday, 9 a.m. to 6 p.m. Eastern, for free help from a licensed agent.
