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
- Nothing due at the visitNo copay, no deductible, no coinsurance
- Specialist visitsAcross the Cigna PPO network
- Urgent care is free tooSame deal at an urgent care center
- Emergency room visitNo copay and no deductible first
- Transport is separateAmbulance and professional fees bill on their own
This is a PPO on the Cigna PPO National Network, and no referral is needed to see a specialist. Outside the network a separate deductible and a 50% share apply, so the $0s on this page are in-network prices.
High-cost services
Don't sweat the big stuff.
No deductible, no coinsurance,
even for the expensive stuff.
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
The only thing you pay for
is 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. The copays above are retail, 30-day prices; mail-order copays can differ. 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 Summary of Benefits and Coverage, 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 plan documents disagree, the plan documents win.
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, and no referral is needed to see a specialist. Outside the network the plan pays a 50% share after a separate out-of-network deductible, 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.
In network, covered medical services cost you nothing: no deductible, no coinsurance and a $0 out-of-pocket maximum. The only copays on this plan are for your prescriptions, and those are listed above.
ready when you are
Questions about the Amerus Cigna PPO?
The team picks up.
Call the team: (817) 205-6257 · thehealthyinsurancedude.com