Southeast Insurance Solutions, Inc.
Southeast Insurance Solutions, Inc.
2137 Chatham Avenue
Charlotte, NC 28205
Phone: 704-560-8972
Email: info@seinsurancesolutions.com
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Cigna North Carolina

 

  

CIGNA North Carolina has introduced new plans for Individuals in North Carolina in July 2009. The plans offer many of the benefits that have traditionally only been available to larger employers such as access to a 24-hour health information line and tools to help people understand their own personal health risks and take action to prevent a serious health event.

Individuals and their families will have access to a network of more than 500,000 quality health professionals and facilities throughout the country. With Cigna North Carolina, this includes more than 35,000 doctors and more than 150 hospitals.
 

Cigna North Carolina Open Access Plans:

Cigna's Open Access plans offer 4 different deductible options - $1,000, $2,000, $3,000, and $5,000.

Highlights of Cigna North Carolina Open Access copay plans include:
  • $20 copayment for primary physician and $35 copayment for specialists with $1,000 and $2,000 deductible plan options.
  • $35 copayment for primary physician and $50 copayment for specialists with $3,000 and $5,000 deductible options.
  • Maximum of two deductibles per family.
  • 80% coinsurance after deductible is met.  Coinsurance maximus vary by the deductible you choose.  Pay close attention to this. 
  • Generic prescriptions covered after a $15 copay - not subject to RX deductible.
  • $250 Brand drug deductible with $1,000 and $2,000 deductible plan options.
  • $500 Brand drug deductible with $3,000 and $5,000 deductible plan options.
  • $5,000 maximum benefit for brand drug prescriptions.
  • Preventive Care (Primary Care Physician/Specialist copay based on plan deducible) – All routine physicals to include immunizations, flu shots, and routine lab work. Annual maximum of $300 per person, per year. Cigna pays 80% of Mammograms, Pap Smears, PSA, Colorectal Cancer Screening, Bone Density Screening (no deductible).
  • Cigna pays 100% of first $200 for outpatient lab and xray.
  • $5,000,000 lifetime maximum benefit
As you can see, Cigna North Carolina offers a very comprehensive plan design.  View the plan comparison brochure for Open Access plans here.
 
 
Cigna North Carolina Health Savings Plans
 
Highlights of Cigna's HSA plans:
  • Individual deductible options of $2500/$3500/$5000
  • Family deductible options of $5000/$7000/$10000
  • 100% coverage once the individual or family deductible is met
  • $5000 annual maximum for brand name prescription drugs
  • Preventative Care: All routine physicals covered 100% (deductible waived) to include immunizations, flu shots, and routine lab work. Annual maximum of $300 per person, per year. Cigna pays 100% of Mammograms, Pap Smears, PSA, Colorectal Cancer Screening, Bone Density Screening (no deductible and not counted towards annual maximum).
  • $5,000,000 lifetime maximum benefit

Cigna Health Savings Plans Brochure

 
 
 
Southeast Insurance Solutions, Inc.
2137 Chatham Avenue
Charlotte, NC 28205
704-560-8972