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What Your Medical Plan Covers
Pick your plan once and the whole page adjusts to show only your costs. Your plan year is set by your employer — ask your HR team for your dates.
The short version. This plan uses the Cigna nationwide PPO network. In network, preventive care and virtual care are $0 on every plan. Chiropractic and acupuncture are a $20 copay on seven of the eight plans. Most facility and imaging services are 20% coinsurance after your deductible. Prescriptions run through DisclosedRx, starting at a $15 Tier 1 retail copay. Going out of network costs substantially more — usually 40–50% after a doubled deductible.
Your plan name is printed on your ID card. Not sure? Call the Securus care team at 877-420-0785.
Comparing is the fastest way to see what a lower premium actually costs you when you use care. Set any column to None to compare just two.
Your Costs By Service
Switch to Compare Plans above to put up to three plans side by side — the fastest way to see what a lower premium actually costs you when you use care.
Coverage Limits That Apply To Every Plan
From your Summary of Benefits and Coverage. These are the same on all eight plans.
Home Health Care
60 visits per year. Some services may also need pre-certification.
Rehabilitation Services
20 visits per year. Some services may also need pre-certification.
Habilitation Services
20 visits per year. Some services may also need pre-certification.
Skilled Nursing Care
60 days per year.
Children's Eye Exam
One exam every 24 months, except where the Affordable Care Act requires it more often.
Pre-Certification
Some procedures need approval before you have them. Your provider usually starts it — confirm it went through before your appointment, not after.
Also Covered
Listed as covered services on your Summary of Benefits and Coverage, without a cost share stated there.
Hospital outpatient services · Cardiac rehabilitation · Freestanding laboratory · Injections · Laboratory and diagnostics · Private duty nursing · Radiation and chemotherapy · Adult eye exam · Chiropractic services · Acupuncture
Limits can apply to these, and the SBC does not print what you pay for each one. Your Summary Plan Description is the governing document — it carries the complete list of covered and excluded services, along with every limit and exception. Download yours below, or call the Securus care team at 877-420-0785 and ask before you book anything you're unsure about.
Your documents
Plan Documents For PPO $1000
Your Summary of Benefits and Coverage is the legally required side-by-side summary. Your Summary Plan Description is the full governing document — it is where exclusions, limits and exceptions are stated in full, and it controls in all cases.
Prescription formulary and pharmacy documents are on the Member Center. Employer forms are in the Employer Center document hub.
Before you go out of network
Staying In Network Is The Single Biggest Lever You Control
Out of network, your deductible doubles, your coinsurance roughly doubles, and virtual care isn't covered at all. Out-of-network providers can also bill you for the difference between what they charge and what the plan allows. Before you book, search the Cigna directory — or call Securus and ask them to check for you.
Search The Cigna Provider Directory Call Securus 877-420-0785
In the Cigna directory, enter your ZIP code and select "Continue as Guest" — you are not a direct Cigna member and should not try to log in to the Cigna member portal. For routine adult vision exams, Cigna will redirect you to the EyeMed directory.