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Cigna OAP

Cigna OAP (

The OAP plan allows you to see any doctor– including specialists – without a referral. The Cigna Open Access Plus (OAP) network is a national network of providers; however, you may use any licensed provider you choose. There are two levels of coverage under the plan. Your level of coverage is determined each time you receive care, depending on whether you use a network or non-network provider. Your out-of-pocket costs under both levels of coverage may include office visit copayments, deductibles and coinsurance.

For an easy to read summary of the plan's benefits and coverage click the Summary of Benefits and Coverage link located in the Resources section below. 

If you have questions or need assistance, please contact Cigna at 1-800-244-6224 or Live Chat. Participants can also contact the PSA Benefits Hotline at 1-877-716-6618 or email

IMPORTANT MESSAGE - Critical Information about Transparency in Coverage

This link -, leads to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.


Wellness Steps July 1st - October 31st

All enrolled employees and their enrolled spouse/legally domiciled adult must complete their wellness steps to continue to be eligible for the reduced medical plan premiums. Two incentive points must be earned before midnight on October 31st. To begin login at or for additional information go to our  Wellness page.

Omada Program - Get healthy, your way!

Omada is a personalized, virtual care program that empowers you to achieve your health goals - whether that’s losing weight, gaining energy, or improving your overall health through sustainable lifestyle change. Combining data-powered human coaching, connected devices, and curriculum tailored to your specific circumstances, the program is designed to help you build healthy patterns for life. See if you are eligible by answering a few questions at

Accessing Care

Digital ID Cards

Enrolled participants will not receive a physical ID card. Digital IDs are available for downloading at With a digital ID card you never have to worry about losing or misplacing your card(s). 

To get your digital ID:

  • Log in at Newly enrolled participants must register to create their online account first.
  • Click or tap “ID Cards”
  • View your card(s), as well as any dependents’ cards
  • Save or print ID card(s) 

In-Network: This level of benefits applies when you use a physician, specialist or other provider who is a member of the Cigna OAP network. By utilizing In-Network providers, you will pay lower copayments, deductibles and coinsurance than you will using Out-of-Network providers.

Loyola University Maryland is a religious institution, and has a (birth control coverage) exemption as a “religious employer” and prescriptions for contraceptives are excluded on the Loyola medical plan. However, these services are available directly from Cigna. Access the benefit by providing your insurance card as you normally do to an in-network pharmacy (services and procedures will not be covered out-of-network). Cigna will in turn arrange payment directly to the pharmacy. Contact Cigna directly at 1-800-244-6224 for additional information.

Mental Health/ Substance Abuse

The Plan provides inpatient, intermediate and outpatient care. There is a network of Mental Health Preferred Providers for mental health and substance use disorder services. If a Member chooses one of these Mental Health Preferred Providers, the cost to the Member is lower than if the Member chooses a Mental Health Non-Preferred Provider. The Schedule of Benefits lists payments as either “In-Network: Mental Health Preferred Provider” or “Out-of-Network: Mental Health Non-Preferred Provider”, but you may go to any provider. Benefits are paid differently, depending on whether you use network or non-network providers.  Please see the OAP Summary of Benefits and Coverage for more information.

Prescription Drug Plan

Participants in the plan automatically participate in the prescription drug plan.  You can choose between retail and mail order options.  Your prescription benefits are structured to take advantage of the savings associated with generic drugs.  With Restricted Generics, you will save the most by choosing generic drugs (when available) versus brand-name drugs.  Unless you doctor writes “Dispense as Written” of DAW on your brand-name drug prescription, you will pay both the non-preferred brand copay plus the cost difference between the generic and brand-name drug.

Health care reform under the Patient Protection and Affordable Care Act (PPACA) requires plans to cover certain preventive medications and products at 100% or no cost-share ($0) to you. Visit to learn more about how the plan covers preventive medications.

If you are taking maintenance prescription medication, we encourage you to review the Express Scripts Pharmacy. Express Scripts Pharmacy is Cigna's home delivery pharmacy vendor.    

Filing a Claim

When you use a network provider, that provider will submit your claim to Cigna on your behalf. Cigna will pay the provider as determined by plan rules and send you an Explanation of Benefits (EOB) which details for you the total amount billed by the provider, the amount that Cigna paid, and the amount for which you are liable. Your provider will send you an invoice for the amount for which you are liable (if any). When you use a non-network provider, your provider may require you to pay the full bill at the time the service is rendered. You should then submit a copy of your invoice to Cigna. You will be reimbursed for any amount determined to be payable to you by the Plan.


Summary of Benefits and Coverage (SBC): Easy to understand overview of the plan's benefits and coverage.
Summary Plan Description (SPD): Easy to read summary of the plan's features such as eligibility, participant obligations, and provides important contact information for the plan’s fiduciaries.


This website provides a summary of the benefits available. The University reserves the right to modify, amend, suspend or terminate any plan at any time, and for any reason without prior notification. You will be notified of any changes to these plans and how they affect your benefits, if at all. The plans described on this website are governed by insurance contracts and plan documents, which are available for examination. We have attempted to make explanations of the plans on this website as accurate as possible. However, should there be a discrepancy between this website and the provisions of the insurance contracts or plan documents, the provisions of the insurance contracts or plan documents will govern. In addition, you should not rely on any oral descriptions of these plans, since the written descriptions in the insurance contracts and plan documents will always govern.