Introducing the New Cigna Plan

Learn more about the New Cigna Open Access Plus (OAP) Plan

Questions about the New Cigna Plan

FCPS and Cigna are working hard to ensure an easy transition for all employees, retirees, and their dependents. We continue to post frequently asked questions (FAQ's) help address questions/concerns about this transition on Cigna FAQ website.

As previously mentioned, a competitive process was used to select Cigna to administer the FCPS self-insured health plan for the upcoming contract period. Cigna provides a superior plan offering with a strong commitment to customer service and an increased focus on wellness and disease management programs to improve employee health. Some highlights include:

  • 97% of primary care providers currently utilized by FCPS participants are in the Cigna network. Use the “Find a Doctor” search tool on Cigna's website to search for your provider.
  • No referrals are required for specialists.
  • No prior authorizations are required for complex radiology (MRIs and CT scans).
  • Interactive member tools for searching for doctors, care, and cost estimates. 

This change only impacts current Aetna and CareFirst members, who will automatically be enrolled in the Cigna Open Access Plus plan, effective January 1, 2023. The Kaiser Permanente HMO plan will continue to be offered, and no changes will occur to the CVS pharmacy plan, Aetna dental plans, or the Aetna Medicare Advantage plan offered to Medicare retirees. View the Cigna FAQ's website for additional support during this transition.

Check Out the New Plan! 

The Cigna Open Access Plus (OAP) plan is very similar to the current Aetna/Innovation Health and CareFirst plans. View the 2023 Cigna OAP column compared to the current plan offerings with Aetna/Innovation Health and CareFirst.

  Current Plan Current Plan 2023 Plan Offering
  Aetna/Innovation Health CareFirst BlueChoice Advantage Cigna Open Access Plus
Deductible 
(Individual/Family)
$250/$500 $250/$500 $300/$600
Out-of-pocket Maximum
(Individual/Family)
$2,000/$4,000 $2,000/$4,000 $2,500/$5,000
Preventive Care Fully covered - 
no deductible
Fully covered - 
no deductible
Fully covered - 
no deductible
Primary Care Physician Visits* You pay a $20 copay You pay a $20 copay You pay a $20 copay
Specialist Visits* You pay a $20 copay You pay a $40 copay You pay a $40 copay
Emergency Room Visits* You pay a $250 copay, then 10% of covered charges You pay a $250 copay, then 10% of covered charges You pay a $250 copay, then 10% of covered charges
Urgent Care You pay 10% You pay a $40 copay You pay 10%
In-patient* 
(hospitalization)
You pay a $150 copay, then 10% of covered charges You pay a $150 copay, then $100 copay per day, 5-day max payment You pay a $150 copay, then 10% of covered charges
Prescription Benefit 
Provided Through
CVS Caremark
30-day supply, you pay:
Generic:  $7 copay
Brand, including Specialty:  20% coinsurance, $75 max.
CVS Caremark
30-day supply, you pay:
Generic:  $7 copay
Brand, including Specialty:  20% coinsurance, $75 max.
CVS Caremark
30-day supply, you pay:
Generic:  $7 copay
Brand, including Specialty:  20% coinsurance, $75 max.
Vision Benefit 
Provided Through
Aetna Vision Preferred Davis Vision Cigna Vision

*All amounts are after deductibles are met, unless otherwise specified.

Medical Coverage Documents

Cigna provides a national network of providers so that you can get care right where you live. The Cigna plan includes a no-referral requirement to see a specialist, MDLive® virtual care, and wellness programs. Find details on your Cigna medical plan here:

Vision Coverage Documents

Having regular eye exams is one of the best ways to keep your vision healthy. Cigna's vision coverage offers flexibility and choice, with one of the largest specialty networks of routine care professionals in the nation. Find details on your Cigna vision plan here: