Cigna OAP Plan Details

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

Questions about the Cigna Plan

FCPS and Cigna are working together to provide strong customer service for all employees, retirees, and their dependents. We continue to post frequently asked questions (FAQ's) help address questions/concerns on the Cigna FAQ webpage.
Cigna FAQ website

Learn more about the Cigna OAP Plan!

View the Cigna Open Access Plus (OAP) plan column compared to the previous plan offerings with Aetna/Innovation Health and CareFirst.

 2022 Plan2022 PlanCigna Plan Offering
 Aetna/Innovation HealthCareFirst BlueChoice AdvantageCigna 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 CareFully covered - 
no deductible		Fully covered - 
no deductible		Fully covered - 
no deductible
Primary Care Physician Visits*You pay a $20 copayYou pay a $20 copayYou pay a $20 copay
Specialist Visits*You pay a $20 copayYou pay a $40 copayYou pay a $40 copay
Emergency Room Visits*You pay a $250 copay, then 10% of covered chargesYou pay a $250 copay, then 10% of covered chargesYou pay a $250 copay, then 10% of covered charges
Urgent CareYou pay 10%You pay a $40 copayYou pay 10%
In-patient* 
(hospitalization)		You pay a $150 copay, then 10% of covered chargesYou pay a $150 copay, then $100 copay per day, 5-day max paymentYou 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 PreferredDavis VisionCigna 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: