Cigna Buy Up Plan Page

The specific numbers vary by employer, but the structural differences generally follow this pattern based on Cigna enrollment guides: Base Plan (Standard) Buy-Up Plan (Enhanced) Annual Deductible Higher (e.g., $1,500+) Lower (e.g., $250 - $1,000) Coinsurance You pay more (e.g., 20%) You pay less (e.g., 10%) Out-of-Pocket Max Higher (e.g., $5,500+) Lower (e.g., $2,500) Network Type Often restricted (e.g., LocalPlus) Often broader (e.g., Open Access Plus) Who Should Choose a Buy-Up Plan?

Understanding Copays, Deductibles, and Coinsurance - Cigna Healthcare cigna buy up plan

: Many modern Cigna plans include $0 or low-cost virtual doctor visits for non-emergency issues like the flu or allergies. The specific numbers vary by employer, but the

: If you prefer the peace of mind of a higher monthly "subscription" fee to avoid a surprise $3,000 medical bill. Common Plan Features Common Plan Features A is an enhanced health

A is an enhanced health insurance option offered by employers that allows you to "buy up" from a standard base plan to a higher level of coverage in exchange for a higher monthly premium. While the base plan typically covers essential needs with lower premiums, the Buy-Up plan is designed to minimize your financial risk when you actually need care through lower deductibles and smaller out-of-pocket costs. Core Differences: Base Plan vs. Buy-Up Plan

: If you have chronic conditions, require regular specialist visits, or take expensive prescriptions, the lower copays and deductibles usually "pay for themselves" over the year.

: If you know you have an upcoming surgery or are planning to start a family, the lower out-of-pocket maximum provides a predictable cap on your total costs.