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An open access network is one where there are a number of service providers which sell retail services over the same access network infrastructure simultaneously, allowing the subscribers to decide from which service provider they will purchase their services.
Yes, Cigna Open Access Plus (OAP) plans are PPO plans. Is open access a PPO or HMO? PPOs are open access by definition. HMOs can be open access but open access HMOs are not as flexible as PPOs.
The Aetna Open Access plan is a health maintenance organization (HMO) plan that gives members more freedom. Members can visit any in-network provider, like a primary care physician (PCP) or specialist, for covered services without a referral. * You can find Aetna network providers by using our provider search.
In Texas, LocalPlus plans are considered Preferred Provider plans, and LocalPlus IN plans are considered Exclusive Provider plans, with certain managed care features. Medical plans are insured and/or administered by Cigna Health and Life Insurance Company.
With the Aetna Open Choice PPO plan, members can visit any provider, in network or out, without a referral. But when they stay in network, well handle the claims and offer lower, contracted rates.
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If youre looking for a lot of choice and flexibility, you might consider a PPO. No PCP required, no referrals, and coverage for both in- and out-of-network providers. This choice and flexibility comes with higher plan costs. POS plans cost less, but offer fewer choices than PPOs.
An open access HMO differs from a traditional HMO in that it typically allows employees to see in-network specialists without a referral, but still will not cover out-of-network providers other than emergency care. The gist: Open access HMOs are less expensive but more limiting than a PPO.

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