AMERUS CIGNA EPO
As seen on
At the point of care
What you'll actually pay
when you use it.
- Preventive careAnnual wellness, screenings, vaccines
- Office visitsYour doctor, in the Cigna EPO network
- The same copay every timeNo deductible to meet first
- Specialist visitsAcross the Cigna EPO network
- No coinsuranceYou pay the copay, not a percentage of the bill
- Emergency room visitOne flat copay, no deductible first
- Urgent care is $75Not an emergency, but it can't wait
Same network, same doctors, no referrals. Only difference is you have to stay in network with an EPO.
Access to 97% of all doctors and hospitals in the country, with names such as Johns Hopkins, Mayo Clinic, MD Anderson, UCLA, and over 6,000 other hospitals.
High-cost services
Don't sweat the big stuff.
The plan pays 100% on the most expensive services,
in the Cigna EPO network.
In network, and subject to plan terms, limitations, exclusions and carrier policies. Pre-certification requirements apply to certain services. Imaging such as MRI and CT is also listed at 100% in the plan's benefit schedule.
Prescription coverage
Simple, flat copays
for all your drugs.
- No copayGeneric equivalents on the plan's drug list
- Flat copayBrand drugs on the plan's preferred list
- Flat copayBrand drugs outside the preferred list
- Flat copaySpecialty medications
Copays apply to covered prescriptions filled at a participating pharmacy. Prescription benefits are subject to the plan formulary, plan terms, limitations, exclusions and carrier policies.
Monthly rates
Straightforward pricing,
No-surprises coverage.
Rates are quoted monthly. A one-time $99.00 enrollment charge applies with your first month. Rates remain subject to eligibility, underwriting, plan changes and final approval.
For your records
The full schedule of benefits, in writing.
Every copay, every covered service and every limit, in the carrier's own words. Open it, keep it, bring it to your doctor's office. If anything here and the schedule disagree, the schedule wins.
Do your research
Go ahead, look us up.
Three steps, and the plan is yours.
One call, (817) 205-6257. Ask anything, no pressure.
The team walks you through it, right on the phone.
And never on your own. The team sticks with you after you enroll, for every question, every claim, every step.
Quick answers
Asked all the time.
This is an EPO, so the plan pays for care inside the Cigna EPO network. The team can check your doctor, your hospital and your pharmacy by name before you enroll.
Fast. But start dates come with real deadlines, and they vary. The sooner you call, the sooner you're covered.
There is nothing to pay down before your copays start. You pay the copay, the plan pays its share, and the $3,500 individual and $7,000 family out-of-pocket maximum is the ceiling for the year.
ready when you are
Questions about the Amerus Cigna EPO?
The team picks up.
Call the team: (817) 205-6257 · thehealthyinsurancedude.com