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: 4/1/22

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:	$7,000 / $14,000
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:	$8,700 / $17,400
Dr. Office Visit (PCP):	$50 Copay (ded waived)
Urgent Care:	$75 Copay (ded waived)
Emergency Room	65%

Gold EPO C
Network LocalPlus
Calendar Year Deductible None
Out-of-Pocket Max Ind/Fam: $8,700 / $17,400
Dr. Office Visit (PCP): $35 Copay
Urgent Care: $50 Copay
Emergency Room $450 Copay
Platinum EPO C
Network LocalPlus
Calendar Year Deductible None
Out-of-Pocket Max Ind/Fam: $4,600 / $9,200
Dr. Office Visit (PCP): $10 Copay
Urgent Care: $25 Copay
Emergency Room $250 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:	$7,000 / $14,000
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:	$8,700 / $17,400
Dr. Office Visit (PCP):	$50 Copay (ded waived)
Urgent Care:	$75 Copay (ded waived)
Emergency Room	65%

Gold EPO C

Network	LocalPlus
Calendar Year Deductible	None
Out-of-Pocket Max Ind/Fam:	$8,700 / $17,400
Dr. Office Visit (PCP):	$35 Copay
Urgent Care:	$50 Copay
Emergency Room	$450 Copay

Platinum EPO C

Network	LocalPlus
Calendar Year Deductible	None
Out-of-Pocket Max Ind/Fam:	$4,600 / $9,200
Dr. Office Visit (PCP):	$10 Copay
Urgent Care:	$25 Copay
Emergency Room	$250 Copay

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