AMERUS CIGNA PPO
As seen on
At the point of care
What you'll actually pay
when you use it.
- Preventive careThe plan pays 100% in network, age and frequency limits may apply
- TeledocVirtual visits at no cost
- Office visitsYour doctor, in the Cigna PPO network
- The same copay every timeNo deductible to meet first
- Specialist visitsAcross the Cigna PPO network
- Urgent care is also $50Same copay at an urgent care center
- Emergency room visitOne flat copay, no deductible first
- Transport is separateAmbulance and professional fees bill on their own
This is a PPO on the Cigna PPO National Network, so in most cases you can go straight to a specialist. The plan's own schedule notes that referral requirements can vary by service, so check yours first.
High-cost services
Don't sweat the big stuff.
No deductible to meet means coverage right away.
These run at 30% coinsurance in the Cigna PPO network.
In network, and subject to plan terms, limitations, exclusions and carrier policies. Preauthorization, medical necessity and site-of-service rules apply to certain services.
Prescription coverage
Simple, flat copays
for all your drugs.
- No copayGeneric equivalents on the plan formulary
- 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. Formulary and prior-authorization rules apply, and specialty medication may require a designated specialty pharmacy.
Monthly rates
Straightforward pricing.
Nothing buried.
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 a PPO on a nationwide Cigna network, so in most cases you can go straight to a specialist, though the plan notes referral rules can vary by service. Care outside the network may be paid at a reduced level, or not at all except where the law requires it, so the team will 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.
On the big-ticket services you pay 30% of the covered cost and the plan pays the rest, rather than a flat copay. The separate supplemental policy is designed to help offset that share up to its own annual maximum.
ready when you are
Questions about the Amerus Cigna PPO?
The team picks up.
Call the team: (817) 205-6257 · thehealthyinsurancedude.com