About Cigna + Oscar

Cigna + Oscar have joined forces to offer Exclusive Provider Organization (EPO) plans to small businesses, covering Northern and Southern California. The partnership combines Cigna’s LocalPlus® network with Oscar’s tech-driven approach to customer service and care navigation. Cigna + Oscar deliver health insurance that understands the unique needs of small businesses and their employees.

Cigna + Oscar offers EPO plans in all four metal tiers with a variety of benefits, such as:

  • Dedicated care teams to help members manage their care
  • Access to Virtual Urgent Care, available 24/7 with a $0 copay on all plans through the Oscar app
  • Access to Cigna’s behavioral health network, including Talkspace, for mental health resources

Click below for details on Cigna + Oscar plans.

Quick Plan Highlights

Below are some of our most popular Cigna + Oscar health plans along with a snapshot of plan coverage and out-of-pocket costs. For a complete list of coverage options, click Download All Plans below to see the most current plan information.

These plans are effective beginning: 7/1/21

  • Bronze EPO A

    Network LocalPlus
    Calendar Year Deductible $5,500 / $11,000 (combined Med/Rx/Pediatric dental ded) (applies to Max OOP)
    Out-of-Pocket Max Ind/Fam: $7,000 / $14,000
    Dr. Office Visit (PCP): 60%
    Urgent Care: 60%
    Emergency Room $650 Copay
  • Silver EPO B

    Network LocalPlus
    Calendar Year Deductible $2,250 / $4,500 (combined Med/Pediatric dental ded) (applies to Max OOP)
    Out-of-Pocket Max Ind/Fam: $8,550 / $17,100
    Dr. Office Visit (PCP): $45 Copay (ded waived)
    Urgent Care: $90 Copay (ded waived)
    Emergency Room $425 Copay
  • Gold EPO A

    Network LocalPlus
    Calendar Year Deductible None
    Out-of-Pocket Max Ind/Fam: $7,000 / $14,000
    Dr. Office Visit (PCP): $30 Copay
    Urgent Care: $50 Copay
    Emergency Room $350 Copay
  • Platinum EPO A

    Network LocalPlus
    Calendar Year Deductible None
    Out-of-Pocket Max Ind/Fam: $3,600 / $7,200
    Dr. Office Visit (PCP): $10 Copay
    Urgent Care: $25 Copay
    Emergency Room $150 Copay

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The CaliforniaChoice employee benefits program lets your employees select health plans (HMO, PPO, HSA, and more) from nine of California's top carriers while you determine how much your
company will contribute.

Click on any of the logos below to learn more about our carrier partners

Anthem Blue Cross Cigna + Oscar Health Net Kaiser Permanente Oscar Sharp Health Plan Sutter Health Plus UnitedHealthCare Western Health Advantage