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?
: Many modern Cigna plans include $0 or low-cost virtual doctor visits for non-emergency issues like the flu or allergies. cigna buy up plan
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 The specific numbers vary by employer, but the
: Buy-Up plans often use the Cigna OAP network, which typically does not require a primary care physician (PCP) referral to see a specialist. While the base plan typically covers essential needs