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: 1/1/23

Bronze EPO C

Network	LocalPlus
Calendar Year Deductible	$5,750 / $11,500 (combined Med/Rx/Pediatric dental ded) (applies to Max OOP)
Out-of-Pocket Max Ind/Fam:	$7,450 / $14,900
Dr. Office Visit (PCP):	60%
Urgent Care:	60%
Emergency Room	60%

Silver EPO C

Network	LocalPlus
Calendar Year Deductible	$1,950 / $3,900 (combined Med/Pediatric dental ded) (applies to Max OOP)
Out-of-Pocket Max Ind/Fam:	$8,950 / $17,900
Dr. Office Visit (PCP):	$50 Copay (ded waived)
Urgent Care:	$75 Copay (ded waived)
Emergency Room	65% (first visit) - 60%

Gold EPO C

Network	LocalPlus
Calendar Year Deductible	100%
Out-of-Pocket Max Ind/Fam:	$8,950 / $17,900
Dr. Office Visit (PCP):	$35 Copay
Urgent Care:	$50 Copay
Emergency Room	$450 Copay (first visit) - $900 Copay

Platinum EPO C

Network	LocalPlus
Calendar Year Deductible	100%
Out-of-Pocket Max Ind/Fam:	$4,850 / $9,700
Dr. Office Visit (PCP):	$10 Copay
Urgent Care:	$25 Copay
Emergency Room	$250 Copay (first visit) - $500 Copay

Bronze EPO C

Network	LocalPlus
Calendar Year Deductible	$5,750 / $11,500 (combined Med/Rx/Pediatric dental ded) (applies to Max OOP)
Out-of-Pocket Max Ind/Fam:	$7,450 / $14,900
Dr. Office Visit (PCP):	60%
Urgent Care:	60%
Emergency Room	60%

Silver EPO C

Network	LocalPlus
Calendar Year Deductible	$1,950 / $3,900 (combined Med/Pediatric dental ded) (applies to Max OOP)
Out-of-Pocket Max Ind/Fam:	$8,950 / $17,900
Dr. Office Visit (PCP):	$50 Copay (ded waived)
Urgent Care:	$75 Copay (ded waived)
Emergency Room	65% (first visit) - 60%

Gold EPO C

Network	LocalPlus
Calendar Year Deductible	100%
Out-of-Pocket Max Ind/Fam:	$8,950 / $17,900
Dr. Office Visit (PCP):	$35 Copay
Urgent Care:	$50 Copay
Emergency Room	$450 Copay (first visit) - $900 Copay

Platinum EPO C

Network	LocalPlus
Calendar Year Deductible	100%
Out-of-Pocket Max Ind/Fam:	$4,850 / $9,700
Dr. Office Visit (PCP):	$10 Copay
Urgent Care:	$25 Copay
Emergency Room	$250 Copay (first visit) - $500 Copay

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