A Broader Option for Your Health Portfolio
Independent professionals and small business owners need flexible coverage. This PPO gives agents a practical tool to serve clients who might otherwise be turned away.
Nationwide Provider Access
Access to the Cigna network, with more than 1.3 million doctors and facilities across all 50
states.
Freedom to Choose Care
Members can see any doctor in or out of network and visit specialists without referrals.
Multiple Deductible Options
Eight deductible levels available, including HSA-compatible choices to fit different client budgets.
Stability & Simplicity
Clear coverage with no surprise restrictions and rates that make sense for clients outside traditional employer plans.
$0 Telemedicine & Preventive
Built-in telehealth access and preventive care help support everyday health needs.
Additional Benefit Options
Easily pair with dental, vision, accident, hospital indemnity, or critical illness coverage to broaden client solutions.
How Agents Position This Coverage
Agents typically introduce this PPO option when working with clients who want strong provider access but operate outside traditional employer-sponsored plans.
Common situations include:
• Self-employed professionals seeking broader provider networks
• 1099 contractors without employer coverage
• Entrepreneurs and consultants building their own benefits strategy
• Small business owners exploring flexible health plan structures
• Clients who prefer PPO-style provider access
