Both the HD and Primary medical plans give you the flexibility to choose from two in-network provider networks. While both networks provide access to quality healthcare and are covered at in-network benefit levels, you can significantly reduce your out-of-pocket costs by choosing Memorial Hermann providers, which offer a lower deductible and enhanced plan benefits.

Memorial Hermann Network

Your Best Value

• Lower annual deductible than the Cigna network
• Access to Memorial Hermann hospitals, physicians, specialists, urgent care centers, and outpatient facilities
• Lower overall out-of-pocket costs for many covered services
• Convenient locations throughout the Greater Houston area
• No referrals required to see specialists

Cigna Open Access Plus (OAP) Network

Nationwide Access

• Access to more than 1 million healthcare professionals and thousands of healthcare facilities across the country
• Ideal when traveling or receiving care outside the Greater Houston area
• No referrals required to see specialists
• Covered at in-network benefit levels under both medical plans
• Higher deductible applies compared to Memorial Hermann providers

Get the Most from Your Benefits

For the greatest savings, choose Memorial Hermann providers whenever possible. You’ll benefit from a lower deductible and reduced out-of-pocket costs while still receiving high-quality care.

Need care outside the Houston area? The Cigna Open Access Plus (OAP) Network provides nationwide access to physicians, specialists, hospitals, and other healthcare providers, giving you the flexibility to receive in-network care wherever you are.