What is an OAP Cigna plan?

What is an Open Access Plus (OAP) plan? Open Access Plus (OAP) is a type of health insurance plan or health benefits plan that allows you to choose your health care providers. You may have to pay a deductible (annual amount) before the plan begins to pay for covered health care costs.

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 the difference between HDHP and OAP?

With an HDHP, a health savings account is used to save and pay for out-of-pocket medical expenses. Money placed in this account can be made pre-tax from a payroll deduction or contributed after-tax and written off as a deduction on income taxes. The OAP utilizes a flexible spending account (FSA).

Is Cigna OAP a high deductible plan?

The Cigna OAP HSA is a Qualified High Deductible Health Plan (QHDHP) that allows for participation in a Health Savings Account (HSA). The plan utilizes the Cigna Open Access Plus (OAP) national network of participating in-network providers while allowing the freedom of both in and out-of-network coverage.

What is HSA vs OAP?

If you’re choosing among different types of health insurance plans, then you may be weighing a health savings account (HSA) versus a preferred provider organization (PPO) plan. An HSA can help you to save money for medical expenses, while a PPO plan confers access to a network of healthcare providers.

What is maximum benefit limit?

A maximum benefit limit (MBL) refers to the consumable limit one can use per treatment/illnesses, per person, per year. This means you can be treated multiple times and every illness or injury is covered as long as total cost for each illness or injury is within the MBL indicated in your plan.