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

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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