Get the lowest out-of-pocket costs with in-network care

Get the lowest out-of-pocket costs with in-network care

Avoiding unexpected medical bills is one of the many benefits of using in-network providers.

Calculator and cost chart

Your health plan gives you access to a network of doctors, dentists, hospitals, pharmacies, medical centers and other facilities. By choosing providers in your plan’s network, you may save money and avoid unexpected medical bills.

Q. How do in-network providers save me money?
A. In-network providers agree to accept a discounted rate for covered services. For example, you pay a low copay for routine visits with your in-network Primary Care Provider (PCP). To get the same services out of network, you would have to pay more. If you have a serious illness or injury, the difference could add up to thousands of dollars.

Here’s an example of what an in-network provider charges in comparison to an out-of-network provider for surgery:*

If you choose an in-network provider: If you choose an out-of-network provider:
Provider charges $20,000. Provider charges $20,000.
Your Cigna health plan covers $15,000. Your Cigna plan has a contracted rate with the provider for this service for $15,000. Your plan covers $15,000.
You pay the in-network plan deductible, coinsurance or copay. The provider has agreed to provide the service for $15,000 and will not bill you the difference between the charged amount and contracted rate. Provider bills you for the $5,000 difference.
You pay the difference between the charged amount and the covered amount. In addition, you pay the out-of-network plan deductible, coinsurance or copay.
Q. Will I get quality care?
A. Absolutely. All doctors in our networks are board-certified by the American Board of Medical Specialties or the American Osteopathic Association. They may also be credentialed through the Council on Affordable Quality Healthcare® (CAQH) or other professional organizations. You know you’re in good hands with a Cigna in-network doctor.
Q. Are there other advantages to using in-network providers?
A. Yes. Your in-network provider coordinates your care to ensure that you get the right care at the right time and that you don’t pay for unnecessary or duplicate tests or procedures.
Tip: Be sure to notify your provider if you receive care at an emergency room or urgent care center so he or she can keep on top of your medical history.
Q. How can I know if a provider is in-network?

Different plans have different provider networks. To find in-network providers for your specific plan: 

  • Log in to
  • To find in-network providers on the go, download the myCigna® app.**

*This is an example used for illustrative purposes only. Actual covered charges and out-of-pocket costs will vary by plan. Refer to your plan documents or call the number on your ID card for details about your specific medical plan.

The health care professionals and facilities that participate in the Cigna network are independent contractors solely responsible for the treatment provided to their patients. They are not agents of Cigna.

**The downloading and use of the myCigna Mobile App is subject to the terms and conditions of the App and the online store from which it is downloaded. Standard mobile phone carrier and data usage charges apply.