Med Performance 7350 Value

Cigna PPO Network

The Med Performance 7350 Value is a major medical plan built for generally healthy individuals who want access to the broad Cigna PPO network and are comfortable covering routine costs out of pocket in exchange for a lower monthly premium. It features flat copays for everyday doctor visits and fully covers most services once the $7,350 individual deductible is met. This plan works best for those who rarely use healthcare but want solid protection against large, unexpected medical bills.

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The Med Performance 7350 Value plan gives you access to the wide Cigna PPO network, meaning you can choose from a large selection of doctors and specialists across the country. Everyday office visits are straightforward: you pay a $50 copay for primary care, $100 for specialists, and $100 for urgent care — these copays apply without needing to meet your deductible first. Preventive care, like annual checkups and screenings, is covered at no cost to you. Telemedicine is also included through Evo at no charge, giving you a convenient option for minor health concerns. For bigger medical needs — such as hospital stays, surgeries, emergency room visits, imaging like CT scans or MRIs, and outpatient procedures — the plan pays 100% after you meet the $7,350 individual deductible. Since the deductible and out-of-pocket maximum are both $7,350, once you hit that threshold, the plan covers all remaining in-network costs for the year at no additional charge to you. Prescription drugs (other than preventive generics, which are free) also require you to meet the deductible before the plan contributes. Pregnancy and mental health services are both covered under this plan. This plan is a strong fit for individuals who are generally healthy and do not expect to use much healthcare throughout the year. The trade-off is that you will be responsible for most non-preventive costs until you reach the $7,350 deductible, so it's important to have savings available to cover that potential expense. The plan has no waiting period, so coverage begins right away, and it does not require you to answer health questions to enroll. A few things to keep in mind: several services — including hospital stays, surgeries, advanced imaging, and many specialty services — require prior authorization, so it is important to confirm approval before receiving those services. Out-of-network costs are significantly higher, with a separate $14,700 individual deductible and out-of-pocket maximum, so staying in-network with Cigna PPO providers will save you money. Infertility treatment, hearing aids, and certain other services are not covered under this plan.

Deductible equals OOP max — your worst-case number is fixed and known.

Plan details

Deductible (Individual): $7,350
Deductible (Family): $14,700
Out-of-Pocket Max (Individual): $7,350
Out-of-Pocket Max (Family): $14,700
Coinsurance (In-Network): 20%
Primary Care Copay: $50
Specialist Copay: $100
Urgent Care Copay: $100

Benefits

Deductible
$7,350 / $14,700
Individual / Family
Max Out of Pocket
$7,350 / $14,700
Same as deductible
Copay
$50 / $100 / $100
PCP / Specialist / Urgent Care
Coinsurance
20% after deductible
Rx Coverage
Covered after deductible
T1 / T2 / T3 / T4
Pregnancy
Covered
Mental Health
Covered
20% after deductible
Work Requirement
No work requirement
Waiting Period
None

Med Performance 7350 Value

Plan details

Benefits

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