Network Provider Coverage Levels

Both medical options — Choice and Choice Plus — feature BJC facilities and health care providers who have agreed to be included in Cigna’s network of nationally preferred providers. BJC Medical Group and Washington University physicians are included in the Cigna Open Access Plus (OAP) Network. You can find BJC facilities, as well as Cigna network providers at or by calling 800.244.6224 (this number is on the back of your Cigna ID card).

Services received from Non-Network providers may not be discounted. You may have to pay the entire invoice at the time you receive services, in addition to submitting the claim to Cigna for processing.

Provider Network Features:

  • BJC Facility Network: You will save the most when you receive services from BJC facilities. Deductibles, coinsurance and copayments are lower than the Cigna OAP Network or Non-Network providers. The BJC Facility Network does not include physicians.
  • Cigna Open Access Plus (OAP) Network: The Cigna OAP Network features health care facilities and physicians (including BJC Medical Group and Washington University physicians) who have agreed to provide services at a reduced cost. Deductibles, coinsurance and copayments for facility services are higher compared to receiving same services at BJC facilities, but lower than those from non-network providers. 
  • Non-Network Provider: Services from health care providers not within the BJC Facility or Cigna OAP networks may not be discounted. Charges above “reasonable and customary” will be your responsibility and will not apply to your deductible or annual out-of-pocket maximum.

Please note: Many preventive care services are covered at 100 percent (you owe nothing) if received from a BJC Facility Network or Cigna OAP Network provider.

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