What is the difference between Cigna PPO and OAP?
OAP stands for Open Access Plus, a CIGNA network. This network replaces the CIGNA HealthCare PPO Shared Administration network and currently has 6,860 general acute care hospitals, 13,544 facilities and 1,587,398 specialists and primary care physicians.
What is allowed amount Cigna?
Allowed Amount (contracted fee): The maximum amount Cigna will pay for services or supplies covered under this policy, before any applicable copayment, deductible, or coinsurance amounts are subtracted.
What is Cigna lifetime maximum?
Lifetime Maximum: The most your plan will pay during your lifetime. You’ll need to pay 100% out of pocket for any services after you reach your lifetime maximum. A lifetime maximum typically applies to Class 4 services. (Applicable to Cigna Dental 1500 plan.)
What is PPO Max?
Under the Dental Preferred Provider Organization (PPO) MAX plan, you may choose at the time of service either a PPO participating dentist or any nonparticipating dentist. With the PPO MAX plan, savings are possible because the participating dentists have agreed to provide care for covered services at negotiated rates.
What does Cigna OAP mean?
Cigna Open Access Plus
Your patients covered by the Cigna Open Access Plus (OAP) plan receive referral-free access to specialists. If these patients choose an out-of-network health care professional, services are covered at a reduced benefit level.
What does OAP mean in health insurance?
Open Access Plus
Open Access Plus (OAP) is a type of health insurance plan or health benefits plan that allows you to choose your health care providers.
What happens when I reach my out-of-pocket maximum?
When you reach your in-network out-of-pocket maximum, your health plan pays for covered health care and prescriptions for the rest of the year. Your plan will pay these costs only if the services and prescriptions are medically necessary.
What is lifetime limit?
Lifetime Limit — the maximum dollar benefit an individual may receive under a health insurance policy or plan.
What is a benefit maximum?
A benefit maximum is a limit on a covered service or supply. A service or supply may be limited by dollar amount, duration, or number of visits.
Is OA Plus PPO?
Health Plan SearchCigna – Open Access Plus (PPO) While we strive to keep this list up to date, it’s always best to check with your health plan to determine the specific details of your coverage, including benefit designs and Sutter provider participation in your provider network.