Is Cigna Open Access Plus a good plan? For most people, yes. Cigna Open Access Plus (OAP) gives you a large national network, no referrals for specialists and some coverage outside the network. That flexibility is why plans like it are the most common choice at work. The trade-offs are cost: OAP premiums usually run higher than local or HMO-style plans, and out-of-network care costs much more. It's a strong fit if you value choice. If your doctors are all local and in network, a narrower plan may save you money.
- Cigna OAP offers a national network, no referrals and optional primary care.
- Out-of-network care is covered, but at a higher cost, and you may have to file claims.
- Cigna says LocalPlus plans can save employers up to 18% compared with similar OAP plans.
- In 2025, 46% of workers with job-based coverage were in PPO-style plans like OAP.
Pros of Cigna Open Access Plus
- Large national network. You can find in-network doctors in most of the country, which helps if you travel or have kids in college.
- No referrals. You can book in-network specialists directly. See how referrals work on Cigna OAP.
- Out-of-network coverage. Standard OAP still pays part of the bill outside the network.
- Free preventive care. In-network checkups and screenings are covered at 100% on most plans.
- Account options. Employers can pair OAP with an HSA or HRA through Cigna Choice Fund.
Cons to Know About
- Higher premiums. Broad networks usually cost more than local plans.
- Out-of-network costs add up. You may face a separate deductible, higher coinsurance and bills above Cigna's allowed amount.
- Prior authorization. Hospital stays and some outpatient care may need approval first.
- Plan details vary. "OAP" describes the network, not the costs. Two OAP plans can have very different deductibles.
Don't compare plans by name. Compare the deductible, out-of-pocket maximum and your doctors' network status. A well-designed OAP plan beats a poorly designed one every time.
How Cigna OAP Compares With Other Cigna Plans
| Plan | Network | Out-of-network | Referrals |
|---|---|---|---|
| Open Access Plus | Large national | Covered at a higher cost | No |
| OAP In-Network | Large national | Emergencies only | No |
| PPO | Large national | Covered, smaller cost gap | No |
| LocalPlus | Local, limited | Covered; lock-in options exist | No |
| HMO | Local | Varies | Varies |
See every option in our guide to Cigna plan options, or compare LocalPlus vs. Open Access Plus.
A licensed Vivna agent can compare costs and networks with you, at no charge.
Who Cigna OAP Fits Best
| Your situation | Is OAP a good fit? |
|---|---|
| You see specialists in several cities | Yes |
| You have family members living in other states | Yes |
| You want to keep an out-of-network doctor | Yes, but expect higher costs |
| All your doctors are local and in network | Maybe not; a local plan may cost less |
| You rarely use care and want the lowest premium | Consider OAP In-Network or an HSA plan |
How to Judge Your Plan's Costs
- Find the deductible. It's what you pay before the plan shares costs.
- Check the out-of-pocket maximum. This is your worst case for in-network care.
- Look at copays. For example, one OAP plan charges $40 for primary care and specialist visits.
- Review drug tiers. Generic, preferred and non-preferred drugs cost very different amounts.
- Add up your year. Twelve months of premiums plus your likely care costs.
Learn the terms in how deductibles work and what an out-of-pocket maximum is. Or call 888-730-6001 for help.
Is Cigna Open Access Plus a Good Plan: FAQs
Is Cigna OAP better than a PPO?
They're similar. A Cigna PPO usually has a smaller cost gap for out-of-network care. See OAP vs. PPO.
Is Cigna OAP worth the higher premium?
It can be, if you value a national network and out-of-network coverage. Otherwise, a local plan may cost less.
Does Cigna OAP cover prescriptions?
Most do, with tiered copays. Read what Cigna Open Access Plus covers.
Can I buy a Cigna OAP plan on my own?
OAP plans are offered through employers. Cigna is also leaving the individual Marketplace for 2027.
Is Cigna OAP good for families?
Often, yes, especially if family members live or travel in different areas.
We'll compare individual, dental, vision and short-term options. Call Monday through Friday, 9am to 6pm.
Sources
- Cigna: Employer medical plan types
- Cigna: Open Access Plus plans
- Cigna: LocalPlus plans
- KFF: 2025 Employer Health Benefits Survey
- Sample Cigna OAP benefits summary (Otero County, CO)
Plan features and costs vary by employer and state. Your Summary of Benefits and Coverage has 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
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