Cigna OAPIN

The Cigna OAPIN medical plan features copays for most services with no deductible to satisfy before the plan pays for eligible services. The OAPIN does not include out-of-network coverage.

Cigna OAPIN Medical Plan (Group # 3344694)

	In-Network Only
Annual Deductible	None
Accumulation Period	Time period to incur eligible expenses toward the deductible: Calendar Year
Annual Out-of-Pocket Maximum	$1,500 per individual, up to $3,000 per family
Office Visit	$15 copay for primary care physician or specialist
Chiropractic	$25 copay (coverage limited to 20 visits per calendar year)
Lab and X-ray	No charge
Urgent Care	$15 copay
Emergency Room	$100 copay (copay waived if admitted)
Hospitalization	$250 copay per admission
Outpatient Surgery	$100 copay in center; $125 copay in outpatient hospital
Outpatient Mental Health	0% coinsurance both In and OON
Fertility Coverage	$20k lifetime maximum. Services include: • IUI, IVF, GIFT, ZIFT • Infertility drugs, testing, treatment • Short-term fertility preservation, preimplantation genetic testing, and more
Transgender Health Services	After deductible, copays/coinsurance apply. Patients should work with a Cigna Case Manager to navigate care, find specialized providers, and ensure authorizations are in place for treatment along your journey. Covered services include but are not limited to: • Gender reassignment procedures including prosthetics; hair removal; top, bottom, and facial surgeries; and voice therapy • Hormone therapy and related lab testing • Behavioral counseling and routine medical care

Plan Documents

Cigna OAPIN Plan Benefit Summary

How do I get my Cigna ID card?

Your ID card is digital, so you never have to worry about losing it. You will always have access to your and your dependents’ cards at your fingertips.

Accessing your ID card is easy! Just follow these steps:

Log in to myCigna.com or the myCigna App
Click or tap “ID Cards”
View your card (and your dependents’ card)
Email cards directly to your providers
Save your digital ID cards in your Apple Wallet

For more details about managing your plan online, click here.

Not registered on myCigna yet?

Visit myCigna.com to download the myCigna App and register today.

Prescription Drug Coverage

	Your Cost
Deductible	N/A
Out-of-Pocket Maximum	Combined with medical;
Generic	$10 copay
Brand Name	Preferred: $25 copay; Non-Preferred: $40 copay
Specialty	30% coinsurance up to $250 per script
Mail Order	90 days supply
Generic	$20 copay
Brand Name	Preferred: $50 copay; Non-Preferred: $80 copay
Specialty	$40 copay per 30-day supply (home delivery only)

Cigna 90 Now

Cigna’s 90 Now program makes it easier for you to fill your maintenance medications.

Choose your pharmacy. Members must choose between using CVS or Walgreens as their “anchor” chain for all prescriptions. If you chose CVS as your anchor, for example, Walgreens will no longer be considered an “in network pharmacy.”
Save time. You’ll make fewer trips to the pharmacy for refills with a 90-day supply.
Stay healthy. With a 90-day supply on hand, you’re less likely to miss a dose.

Visit cigna.com to learn more.

Save on Prescriptions

Go Generic: If you’re looking to minimize your out-of-pocket costs, use generic drug options when possible. Generic drugs have the same active ingredients as their brand-name counterparts but your copay will be less.

Mail-Order: If you’re taking a medication for a chronic condition, you can also save money by utilizing mail-order options, offering convenience and a larger supply for the same copay.