What is the difference between the Cypress-Fairbanks ISD PPO Plan and the Cigna HMO- Select Plan?
In the PPO plan, you have in-network and out-of-network benefits. Your benefits are richer (your cost saving are more) for using doctors and medical facilities that are in-network, but you have coverage (benefits) if you use doctors and medical facilities that are out-of-network. You do have to meet a deductible before your benefits begin, except for your doctor visit co-payments. In the HMO-Select plan, you must choose a Primary Care Physician, who will then refer all your specialty care. You must stay within an Independent Physician’s Association (IPA) or if you choose an independent physician, verify with Cigna or the Insurance Department to make sure the doctor is in the HMO-Select network. There are no deductibles to meet in the HMO-Select plan; you pay co-payments at the time of service.
