June 10, 2002 – Is there any advantage to me if I live in Connecticut, am a POS plan member, and go to a hospital in CIGNAs Massachusetts network?
Massachusetts’s providers, including hospitals, will remain out-of-network to Connecticut residents, so expenses will be subject to the POS deductible and co-insurance limits. However, if you go to a CIGNA provider the CIGNA discount arrangement will apply. As a result, your 20% share of the provider’s bill will be reduced and there is no chance that the bill will exceed “reasonable and customary” limits. This applies to all states except Connecticut, New York, New Jersey and parts of Pennsylvania and Delaware. CIGNA network providers in these states are in-network for Connecticut residents.
