Cigna Ultra 6000
The lowest-premium Cigna Ultra plan with high-deductible catastrophic protection and copays for everyday office visits.
Healthy individuals and families who want the lowest monthly premium, rarely visit the doctor, but still want copay-based office visits and full catastrophic protection if something major happens.
Plan Overview
The Cigna Ultra 6000 offers the lowest monthly premium in the Cigna Ultra series. With a $6,000 individual deductible and 70/30 coinsurance, this plan is designed for people who are generally healthy and want affordable coverage with catastrophic protection. Despite the higher deductible, you still get $30 copays for primary care and $60 copays for specialists — meaning routine office visits are affordable from day one.
This plan is available exclusively through Independent Health Agents via Elevate Wellness at large-group pricing not found on the open market. It uses the Cigna Open Access national PPO network with over 875,000 providers across all 50 states and requires no referrals to see specialists. Coverage is effective on the 1st of the month following approval, with a 12-month rate lock.
In-Network Benefits
Prescription Drug Coverage (30-Day Supply)
| Tier | What You Pay |
|---|---|
| Generic | $15 |
| Brand Preferred | $65 |
| Non-Preferred Brand | $100 |
| Specialty | Not Covered |
Prescription drug copays apply before the deductible. Generic medications are available at a low $15 copay. Specialty drugs are not covered on the Ultra 6000 — if you require specialty medications, consider the Ultra 1000 which includes MyRX specialty drug access.
Out-of-Network Benefits
| Benefit | What You Pay |
|---|---|
| Out-of-Network Deductible (Single / Family) | $12,000 / $24,000 |
| Out-of-Network Max OOP (Single / Family) | $18,900 / $37,900 |
| Out-of-Network Coinsurance (plan pays) | 40% |
Ultra 6000 vs. Other Cigna Ultra Plans
| Feature | Ultra 1000 | Ultra 3000 | Ultra 6000 |
|---|---|---|---|
|
Monthly Premium
|
Highest | Mid-range | Lowest |
|
Deductible
|
$1,000 | $3,000 | $6,000 |
|
Coinsurance
|
80% | 70% | 70% |
|
PCP Copay
|
$20 | $30 | $30 |
|
Max OOP
|
$5,000 | $9,450 | $9,450 |
|
Specialty Rx
|
MyRX (PAP) | Not Covered | Not Covered |
Cigna Open Access PPO Network
- 875,000+ providers nationwide
- Available in all 50 states
- No referrals required for specialists
- In-network and out-of-network coverage
- 12-month rate lock from effective date
Underwriting & Eligibility
- Simplified underwriting (short health questionnaire)
- Issue ages: 18–64 (dependents may be added)
- Effective 1st of month following approval
- Enrollment deadline: 20th of prior month
- Must join Elevate Wellness association
- ACA-compliant with mandated preventive services
Summary of Benefits and Coverage (SBC)
Review the full SBC document for complete plan details, exclusions, and limitations.
View SBC Document →Prescription Drug Formulary
View the full list of covered medications, tiers, and any prior authorization requirements.
View Formulary (PDF) →Ready to Enroll in Ultra 6000?
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