The health insurance plans available to LGHP members differ in the benefit levels they provide, the doctors and hospitals you can access and the out-of-pocket costs. In general, managed care plans, such as Health Maintenance Organizations (HMOs) and Open Access Plans (OAP), deliver healthcare through a system of network providers and have a lower monthly premium than the Local Care Health Plan (LCHP). Members will find a listing of providers who participate in the health plan's network when they go to the provider directory page on the plan's website.
There are several managed care plans located throughout the state available to LGHP members. In addition to managed care, LGHP offers the Local Care Health Plan (LCHP), administered by Cigna and allows plan participants to access any provider nationwide. Enhanced benefits are available for LCHP members who receive services from a LCHP network provider. Effective July 1, 2013, the Local Consumer-Driven Health Plan will be available for members and will be administered by Cigna.
Benefit recipients may view a map of the various plans’ coverage areas below:
The Affordable Care Act rules require health plans to provide a summary of benefits and coverage and a glossary of health coverage and medical terms, designed to make it easier for you to compare your options and understand exactly what you are buying. The new requirements will also make it easier for employers to compare health insurance options to provide for their employees. Members can view the summary of benefits and coverage for each plan. The benefit levels listed in the SBCs go into effect July 1, 2013.