Cigna OAP Plan Details
The 2025 FCPS Cigna Open Access Plus (OAP) Plan
Please view the chart below to see what’s changing with the Cigna plan for 2025. Please note: all amounts are in network unless otherwise specified.
2024 | 2025 | |
|---|---|---|
| Cigna Open Access Plus Plan | Cigna Open Access Plus Plan | |
| Deductible (Individual/Family) | $300/$600 | $400/$800 Beginning in 2025, the aggregation method for the family deductible will change. All claims incurred by the family will contributed toward the deductible. |
| Out-of-pocket Maximum (Individual/Family) | $2,500/$5,000 | $3,250/$6,500 |
| Preventive Care | Fully covered - no deductible | Fully covered - no deductible |
| Primary Care Physician Visits* | You pay a $20 copay | You pay a $25 copay |
| Specialist Visits* | You pay a $40 copay | You pay a $50 copay |
| Out-of-network Coinsurance | Covered at 90%** | Behavioral Health covered at 90%** All other services covered at 70%** |
| Emergency Room Visits* | You pay a $250 copay, then 10%** of covered charges | You pay a $300 copay, then 10%** of covered charges |
| Urgent Care | You pay 10%** | You pay 10%** |
| In-patient* (hospitalization) | You pay a $150 copay, then 10%** of covered charges | You pay a $250 copay, then 10%** of covered charges |
| Prescription Benefit Provided through CVS Caremark | 30-day supply, you pay: Generic: $7 copay Brand: 20% coinsurance, $75 max. Specialty: 20% coinsurance, $75 max. | 30-day supply, you pay: Generic: $10 copay Brand: 20% coinsurance, $100 max. Specialty: 20% coinsurance, $100 max. |
| Vision Benefit Provided Through | Cigna Vision (VSP) | Cigna Vision (EyeMed) |
*All amounts are after deductibles are met, unless otherwise specified.
**Coinsurance applies to allowed amounts for covered services. Out-of-network Preventive Care covered at 100% of covered charges.
Medical Coverage Documents
Cigna provides a national network of providers so that you can get care right where you live. The Cigna plan includes a no-referral requirement to see a specialist, MDLive® virtual care, and wellness programs. Find details on your Cigna medical plan here:
Learn more about the medical benefits provided by the Cigna Open Access Plus (OAP) plan for 2025.
Learn more about the medical benefits provided by the Cigna Open Access Plus (OAP) plan for 2024.
Learn more about the Cigna Open Access Plus (OAP) plan for 2023, including what this plan covers and what you pay for covered services.
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Vision Coverage Documents
Having regular eye exams is one of the best ways to keep your vision healthy. Cigna's vision coverage offers flexibility and choice, with one of the largest specialty networks of routine care professionals in the nation. Find details on your Cigna vision plan here:
Learn more about the vision benefits provided by the Cigna Open Access Plus (OAP) plan for 2024 and 2025.
Learn more about the vision benefits provided by the Cigna Open Access Plus (OAP) plan for 2023.
This document is not available yet. Please check back soon.
