Health plans that fit the way your clients work

From routine visits close to home to nationwide coverage powered by the Cigna Healthcare National PPO network*—our plans help employers give their teams access to high-quality care, while keeping out-of-pocket costs predictable.

Knowing your coverage starts with your plan options

The choice comes down to cost and flexibility.

PPO

Includes out-of-network coverage, with Members paying more when they go outside the network.

HMO

Value-focused care with affordable options, but no out-of-network coverage (except emergency care).

The networks

Get your team the care they need, where they need it.

New England (NE)

Access to over 48,000 in-network providers, hospitals and pharmacies across ME, NH, VT and MA.

Tiered NE

The same regional network, plus the option to save more by choosing Preferred providers for eligible services.

National

Pairs our robust New England network with access to care nationwide through the Cigna Healthcare^® PPO Network.*

Our network options

SERVICE	HMO TIERED NE	HMO NATIONAL	PPO NE	PPO NATIONAL
Robust ME and NH coverage, including 100% of hospitals in ME and most in NH	✔	✔	✔	✔
Many Centers of Excellence in New England	✔	✔	✔	✔
In-network national coverage through our national wrap network	×	✔	×	✔
Lower copays or coinsurance at preferred providers*	✔	×	×	×
Out-of-network coverage*	×	×	✔	✔
Virtual care for urgent care, PCP and behavioral health visits	✔	✔	✔	✔
Express Scripts® retail pharmacy and mail order	✔	✔	✔	✔

✔ = Included in Network

× = Not included in Network

*All Small Group plans and Individual national plans include out-of-country emergency coverage. Please see plan docs for more information.

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Better plans
are just the start

Download our Doing Business With Us guide and learn why thousands of employers choose us.

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In-network and close to home

Getting quality care doesn't have to mean higher out-of-pocket costs. Staying in-network is the best way to save on medical costs—and with our robust regional network, you’ve got options.

Explore our robust provider network

Search doctors and specialists, find nearby hospitals, and make sure your provider is in-network based on where you are:

Maine and New Hampshire

Check our Provider Directory

Everywhere else in the country

Check Cigna.com in-network providers

The value of staying in-network

Even on a PPO plan, staying in-network is always the best way to keep out-of-pocket costs down. That’s why all of our plans feature built-in care options designed to help you save.

Site of Service care that can help keep money in your pocket

View Eligible Lab and Imaging LocationsView List Where members go for routine labs and imaging can make a big difference. Choosing specified in-network locations means lower, predictable copays instead of paying coinsurance after a deductible¹:

$25 copay for routine labs
$75 copay for X-rays
$250–$350 copay for advanced imaging (on select plans)

In-network nationwide

Whether your employees are in the office, travel for work, or have dependents in another state, our national plans let their coverage travel with them.

1.6M

In-network providers nationwide²

6.4k

Hospitals & health systems

500k

Mental health professionals ³

Cigna Healthcare analysis of actual providers contracted as part of the Cigna Healthcare PPO for Shared Administration as of July 2025. Data is subject to change.

¹HSA Members pay these copays after meeting their deductible. ²Available with eligible National plans ³The 500K mental health providers are a subset of the 1.6 million total in-network providers nationwide.

High-quality care at your fingertips

Primary Care Providers

We offer virtual primary care through Firefly Health. For all Members 18+, manage your healthcare with just a few clicks.

Team of experts

When you sign up, you will choose your health team of four fully licensed medical experts who support your care:

Physician
Nurse Practitioner
Behavioral Health Specialist
Health Guide

24/7 care

With a friendly mobile app, Members have 24/7 access to health support. They can book appointments or chat with their team to ask questions, get referrals or share symptoms with ease.

Available on all plans

The option to sign up with Firefly is available with all of our plan offerings — many of our own employees use it as well!

Explore Plan Options

Stay in-network from anywhere with Firefly

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$0 Virtual Urgent Care With Amwell Telehealth

For everyday health concerns—like minor burns, a cold you can’t shake, or help from a licensed therapist—24/7 online care is just a few clicks away. Amwell visits are $0 for all Members across all 2026 plans.

Ready for a partner who goes the extra mile?

Reach out to our team today or call 207-402-3353. We'd love to talk about how we can support you and your team!

Email our team

*The Cigna Healthcare PPO Network refers to the health care providers (doctors, hospitals, specialists) contracted as part of the Cigna Healthcare PPO for Shared Administration.

Cigna Healthcare^® is an independent company and not affiliated with Community Health Options. Access to the Cigna Healthcare PPO Network is available through the contractual relationship between Community Health Options and Cigna Healthcare. All Cigna Healthcare products are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company. The Cigna Healthcare name, logo, and other marks are owned by Cigna Intellectual Property, Inc.

Please note: National network access is not available with Marketplace plans.