Cigna’s CMS Standardlineup follows federal, standardized benefit designs to make shopping and comparing easier. These plans are available on the Marketplace across DuPage, Grundy, Kane, Kankakee, Kendall, Lake & Willcounties.
Not CSR plans:CMS Standard plans aren’t income-based CSR variations. They’re standardized designs available to everyone on-exchange. (Your separate Silver CSR variants live under the non-standard Connect Silver page.)
Best for: Bronze plans usually have the lowest monthly premiums but the highest costs when you get care. These plans are good for individuals that usually use few medical services, don’t see a doctor often, and mostly want protection from very high costs if they get seriously sick or injured.
Connect Bronze CMS Standard
• $7,500Individual Deductible • 50%Coinsurance after deductible
• $50 PCP / $100 Specialist (deductible waived)
• OOP Max: $9,200 / $18,400(Indiv/Family)
The first batch of Silver Connect plans that are standard on-exchange options available statewide
Best for: Silver plans usually fall in the middle, where you pay moderate monthly premiums and moderate costs when you need care. These plans are good for individuals who have families and/or see doctors regularly for illnesses and accidents.
Connect Silver CMS Standard
• $5,000Individual Deductible • 40%Coinsurance after deductible
• $40 PCP / $80 Specialist • OOP Max: $8,000 / $16,00
Connect Silver-2 CMS Standard
• $3,000Individual Deductible • 40%Coinsurance after deductible
• $40 PCP / $80 Specialist • OOP Max: $6,400 / $12,800
Connect Silver-3 CMS Standard
• $500Individual Deductible • 30%Coinsurance after deductible
• $20 PCP / $40 Specialist • OOP Max: $3,000 / $6,000
Connect Silver-4 CMS Standard
• $0Deductible • 25%Coinsurance
• $0 PCP / $10 Specialist • OOP Max: $2,000 / $4,000
Quick Plan comparison:
| Plan Name | Silver CMS Std | Silver-2 CMS Std | Silver-3 CMS Std | Silver-4 CMS Std |
|---|---|---|---|---|
|
Deductible
|
$5,000/ $10,000 | $3,000 / $6,000 | $500 / $1,000 | $0 / $0 |
|
Coinsurance
|
40% | 40% | 30% | 25% |
|
Out-Of-Pocket Max
|
$8,000 / $16,000 | $6,400 / $12,800 | $3,000 / $6,000 | $2,000 / $4,000 |
|
PCP / Specialist
|
$40 / $80 | $40 / $80 | $20 / $40 | $0 / $10 |
Best for:Individuals who see their doctors frequently and take multiple prescription medicines.
Connect Gold CMS Standard – Rx Copay
• $1,500Individual Deductible • 25%Coinsurance after deductible
• $30 PCP / $60 Specialist • OOP Max: $8,700 / $17,400
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