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: 7/1/22

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

Swipe to see more plans

test

Get a Quote

View More Carriers

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