Important CIGNA Information
and Renewal Updates
Welcome to the 2026-2027 CIGNA Renewal Resource Center
We are excited to share another strong renewal outcome for PrestigePEO clients. While organizations continue to navigate rising healthcare costs, this year’s renewal reflects our ongoing commitment to delivering competitive benefits solutions that balance affordability, value, and long-term sustainability.
The 2026-2027 plan year introduces meaningful enhancements designed to provide greater flexibility, expanded plan choice, improved affordability, and continued access to quality care through CIGNA’s extensive Open Access Plus (OAP) Network.
Use this resource center to explore plan enhancements, compare available options, review benefit improvements, and access renewal resources that support informed benefits decisions.
What’s New and Improved for 2026-2027
This year’s renewal includes several positive enhancements designed to provide greater value, more choice, and improved affordability for employers and employees.
Highlights Include:
10 New Plans Added
Employers now have access to a broader portfolio of medical plan options, including new offerings designed to provide greater flexibility, affordability, and choice.
New Base Plan Options
Lower-premium alternatives provide additional flexibility while maintaining access to CIGNA’s expansive Open Access Plus (OAP) Network.
Lower Hospital Costs
Enhancements to select plans help reduce member cost-sharing for hospital and outpatient services.
Lower Emergency Room Costs
Reduced emergency room copays on key plans help make unexpected healthcare expenses more manageable.
Improved Prescription Benefits
Lower copays and continued protections for specialty medications help improve affordability and predictability.
Nationwide Provider Access
All plans continue to utilize Cigna’s Open Access Plus Network, one of Cigna’s largest provider networks nationwide.
Valuable Member Programs Included
Members continue to have access to programs such as MDLIVE virtual care, Healthy Pregnancies Healthy Babies, Omada weight management support, nurse support resources, discounted gym memberships, and unlimited fertility benefits.
Review Your Renewal Information Online
The PrestigePEO Benefits Renewal Portal provides access to group-specific renewal information, plan comparisons, contribution modeling tools, and renewal-planning resources to support informed Open Enrollment decisions.
Note: Once logged in, enter “Renewal Portal” in the search box located in the upper-right corner and press Enter.
Expanded Plan Portfolio for 2026-2027
New options, more choices, and greater flexibility.
For the 2026-2027 plan year, employers now have access to an expanded portfolio of medical plan options designed to support a wider range of workforce needs, benefit objectives, and budget considerations.
The enhanced portfolio includes new plan offerings and Base Plan alternatives, creating additional opportunities to evaluate cost-conscious coverage solutions while maintaining access to CIGNA’s Open Access Plus (OAP) Network.
Review the plan summaries below to compare available options and better understand the differences among the offerings.
| 2026-2027 Plan | ||
|---|---|---|
| In Network ($ Copay or % Coinsurance) | ||
| Deductible (Individual/Family) | $0 / $0 | |
| Coinsurance | 100% | |
| Maximum Out-of-Pocket (Individual/Family) | $4,000 / $8,000 | |
| Primary Care | $25 (DW) | |
| Specialist | $50 (DW) | |
| Hospital/IP Per Visit | $300/day -Max $1,500 | |
| Surgical/OP Hospital | $300 Copay | |
| Emergency Room | $350 Copay | |
| Urgent Care | $50 (AD) | |
| Lab Services | Physicians Office: Same as Visit Outpatient or Independent Lab: 100% |
|
| X-Ray Indiv. Facility | Physicians Office: Same as Visit Outpatient or Independent Lab: 100% |
|
| Complex Medical Imaging | 100% (AD) | |
| Additional Pharmacy Deductible | N/A | |
| Tier 1 Pharmacy | $10 (DW) | |
| Tier 2 Pharmacy | $45 (DW) | |
| Tier 3 Pharmacy | $70 (DW) | |
| Specialty Pharmacy Benefit Per Script | 30% ($100 Max) | |
| Out Of Network | ||
| Deductible (Individual/Family) | $10,000 / $20,000 | |
| Out-of-Pocket Max (Individual/Family) | $45,000 / $90,000 | |
| Out-of-Network Coinsurance | 50% | |
| UCR Rate | 110% Medicare | |
| 2026-2027 Plan | ||
|---|---|---|
| In Network ($ Copay or % Coinsurance) | ||
| Deductible (Individual/Family) | $500 / $1,000 | |
| Coinsurance | 20% | |
| Maximum Out-of-Pocket (Individual/Family) | $3,500 / $7,000 | |
| Primary Care | $25 (DW) | |
| Specialist | $50 (DW) | |
| Hospital/IP Per Visit | 20% (AD) | |
| Surgical/OP Hospital | 20% (AD) | |
| Emergency Room | $350 (DW) | |
| Urgent Care | $85 (DW) | |
| Lab Services | Physicians Office: Same as Visit Outpatient or Independent Lab: 20% |
|
| X-Ray Indiv. Facility | Physicians Office: Same as Visit Outpatient or Independent Lab: 20% (AD) |
|
| Complex Medical Imaging | 20% (AD) | |
| Additional Pharmacy Deductible | N/A | |
| Tier 1 Pharmacy | $10 (DW) | |
| Tier 2 Pharmacy | $45 (DW) | |
| Tier 3 Pharmacy | $70 (DW) | |
| Specialty Pharmacy Benefit Per Script | 30% ($250 Max APD) | |
| Out Of Network | ||
| Deductible (Individual/Family) | $1,500 / $3,000 | |
| Out-of-Pocket Max (Individual/Family) | $7,000 / $14,000 | |
| Out-of-Network Coinsurance | 50% | |
| UCR Rate | 110% Medicare | |
| 2026-2027 Plan | ||
|---|---|---|
| In Network ($ Copay or % Coinsurance) | ||
| Deductible (Individual/Family) | $750 / $1,500 | |
| Coinsurance | 10% | |
| Maximum Out-of-Pocket (Individual/Family) | $4,000 / $8,000 | |
| Primary Care | $25 (DW) | |
| Specialist | $50 (DW) | |
| Hospital/IP Per Visit | 10% (AD) | |
| Surgical/OP Hospital | 10% (AD) | |
| Emergency Room | $350 (DW) | |
| Urgent Care | $85 (DW) | |
| Lab Services | Physicians Office: Same as Visit Outpatient or Independent Lab: 10% |
|
| X-Ray Indiv. Facility | Physicians Office: Same as Visit Outpatient or Independent Lab: 10% (AD) |
|
| Complex Medical Imaging | 10% (AD) | |
| Additional Pharmacy Deductible | N/A | |
| Tier 1 Pharmacy | $10 (DW) | |
| Tier 2 Pharmacy | $45 (DW) | |
| Tier 3 Pharmacy | $70 (DW) | |
| Specialty Pharmacy Benefit Per Script | 30% ($250 Max APD) | |
| Out Of Network | ||
| Deductible (Individual/Family) | $10,000 / $20,000 | |
| Out-of-Pocket Max (Individual/Family) | $45,000 / $90,000 | |
| Out-of-Network Coinsurance | 50% | |
| UCR Rate | 110% Medicare | |
| 2026-2027 Plan | ||
|---|---|---|
| In Network ($ Copay or % Coinsurance) | ||
| Deductible (Individual/Family) | $1,000 / $3,000 | |
| Coinsurance | 20% | |
| Maximum Out-of-Pocket (Individual/Family) | $4,000 / $9,000 | |
| Primary Care | $25 (DW) | |
| Specialist | $50 (DW) | |
| Hospital/IP Per Visit | 20% (AD) | |
| Surgical/OP Hospital | 20% (AD) | |
| Emergency Room | $350 Copay | |
| Urgent Care | $350 (DW) | |
| Lab Services | Physicians Office: Same as Visit Outpatient or Independent Lab: 20% |
|
| X-Ray Indiv. Facility | Physicians Office: Same as Visit Outpatient or Independent Lab: 20% (AD) |
|
| Complex Medical Imaging | 20% (AD) | |
| Additional Pharmacy Deductible | N/A | |
| Tier 1 Pharmacy | $10 (DW) | |
| Tier 2 Pharmacy | $45 (DW) | |
| Tier 3 Pharmacy | $70 (DW) | |
| Specialty Pharmacy Benefit Per Script | 30% ($100 Max DW) | |
| Out Of Network | ||
| Deductible (Individual/Family) | $10,000 / $20,000 | |
| Out-of-Pocket Max (Individual/Family) | $45,000 / $90,000 | |
| Out-of-Network Coinsurance | 50% | |
| UCR Rate | 110% Medicare | |
| 2026-2027 Plan | ||
|---|---|---|
| In Network ($ Copay or % Coinsurance) | ||
| Deductible (Individual/Family) | $2,000 / $6,000 | |
| Coinsurance | 30% | |
| Maximum Out-of-Pocket (Individual/Family) | $6,000 / $12,000 | |
| Primary Care | $35 (DW) | |
| Specialist | $70 (DW) | |
| Hospital/IP Per Visit | 30% (AD) | |
| Surgical/OP Hospital | 30% (AD) | |
| Emergency Room | $350 (DW) | |
| Urgent Care | $70 (DW) | |
| Lab Services | Physicians Office: Same as Visit Outpatient or Independent Lab: 30% |
|
| X-Ray Indiv. Facility | Physicians Office: Same as Visit Outpatient or Independent Lab: 30% (AD) |
|
| Complex Medical Imaging | 30% (AD) | |
| Additional Pharmacy Deductible | N/A | |
| Tier 1 Pharmacy | $20 (DW) | |
| Tier 2 Pharmacy | $50 (DW) | |
| Tier 3 Pharmacy | $70 (DW) | |
| Specialty Pharmacy Benefit Per Script | 30% ($100 Max DW) | |
| Out Of Network | ||
| Deductible (Individual/Family) | $10,000 / $20,000 | |
| Out-of-Pocket Max (Individual/Family) | $45,000 / $90,000 | |
| Out-of-Network Coinsurance | 50% | |
| UCR Rate | 110% Medicare | |
| 2026-2027 Plan | ||
|---|---|---|
| In Network ($ Copay or % Coinsurance) | ||
| Deductible (Individual/Family) | $3,000 / $6,000 | |
| Coinsurance | 30% | |
| Maximum Out-of-Pocket (Individual/Family) | $5,000 / $10,000 | |
| Primary Care | $30 (DW) | |
| Specialist | $60 (DW) | |
| Hospital/IP Per Visit | 30% (AD) | |
| Surgical/OP Hospital | 30% (AD) | |
| Emergency Room | $350 (DW) | |
| Urgent Care | $60 (DW) | |
| Lab Services | Physicians Office: Same as Visit Outpatient or Independent Lab: 30% |
|
| X-Ray Indiv. Facility | Physicians Office: Same as Visit Outpatient or Independent Lab: 30% (AD) |
|
| Complex Medical Imaging | 30% (AD) | |
| Additional Pharmacy Deductible | N/A | |
| Tier 1 Pharmacy | $10 (DW) | |
| Tier 2 Pharmacy | $45 (DW) | |
| Tier 3 Pharmacy | $90 (DW) | |
| Specialty Pharmacy Benefit Per Script | 30% ($100 Max DW) | |
| Out Of Network | ||
| Deductible (Individual/Family) | $10,000 / $20,000 | |
| Out-of-Pocket Max (Individual/Family) | $45,000 / $90,000 | |
| Out-of-Network Coinsurance | 50% | |
| UCR Rate | 110% Medicare | |
| 2026-2027 Plan | ||
|---|---|---|
| In Network ($ Copay or % Coinsurance) | ||
| Deductible (Individual/Family) | $4,000 / $12,000 | |
| Coinsurance | 30% | |
| Maximum Out-of-Pocket (Individual/Family) | $6,350 / $12,700 | |
| Primary Care | $40 (DW) | |
| Specialist | $80 (DW) | |
| Hospital/IP Per Visit | $500 + 30% (AD) | |
| Surgical/OP Hospital | $250 (DW) / 30% (AD) | |
| Emergency Room | $350 (DW) | |
| Urgent Care | $80 (DW) | |
| Lab Services | Physicians Office: Same as Visit Outpatient or Independent Lab: 30% |
|
| X-Ray Indiv. Facility | Physicians Office: Same as Visit Outpatient or Independent Lab: 30% (AD) |
|
| Complex Medical Imaging | 30% (AD) | |
| Additional Pharmacy Deductible | N/A | |
| Tier 1 Pharmacy | $20 (DW) | |
| Tier 2 Pharmacy | $50 (DW) | |
| Tier 3 Pharmacy | $70 (DW) | |
| Specialty Pharmacy Benefit Per Script | 30% ($100 Max DW) | |
| Out Of Network | ||
| Deductible (Individual/Family) | $8,000 / $20,000 | |
| Out-of-Pocket Max (Individual/Family) | $12,700 / $25,400 | |
| Out-of-Network Coinsurance | 40% | |
| UCR Rate | 110% Medicare | |
| 2026-2027 Plan | ||
|---|---|---|
| In Network ($ Copay or % Coinsurance) | ||
| Deductible (Individual/Family) | $5,000 / $10,000 | |
| Coinsurance | 30% | |
| Maximum Out-of-Pocket (Individual/Family) | $7,000 / $14,000 | |
| Primary Care | $30 (DW) | |
| Specialist | $60 (DW) | |
| Hospital/IP Per Visit | 30% (AD) | |
| Surgical/OP Hospital | 30% (AD) | |
| Emergency Room | $500 (DW) | |
| Urgent Care | $60 (DW) | |
| Lab Services | Physicians Office: Same as Visit Outpatient or Independent Lab: 30% |
|
| X-Ray Indiv. Facility | Physicians Office: Same as Visit Outpatient or Independent Lab: 30% (AD) |
|
| Complex Medical Imaging | 30% (AD) | |
| Additional Pharmacy Deductible | N/A | |
| Tier 1 Pharmacy | $15 (DW) | |
| Tier 2 Pharmacy | $55 (DW) | |
| Tier 3 Pharmacy | $90 (DW) | |
| Specialty Pharmacy Benefit Per Script | 30% ($100 Max DW) | |
| Out Of Network | ||
| Deductible (Individual/Family) | $10,000 / $20,000 | |
| Out-of-Pocket Max (Individual/Family) | $45,000 / $90,000 | |
| Out-of-Network Coinsurance | 50% | |
| UCR Rate | 110% Medicare | |
| 2026-2027 Plan | ||
|---|---|---|
| In Network ($ Copay or % Coinsurance) | ||
| Deductible (Individual/Family) | $6,000 / $12,000 | |
| Coinsurance | 30% | |
| Maximum Out-of-Pocket (Individual/Family) | $7,000 / $14,000 | |
| Primary Care | $40 (DW) | |
| Specialist | $80 (DW) | |
| Hospital/IP Per Visit | 0% (AD) | |
| Surgical/OP Hospital | 0% (AD) | |
| Emergency Room | 0% (AD) | |
| Urgent Care | $60 (DW) | |
| Lab Services | 0% (AD) | |
| X-Ray Indiv. Facility | 0% (AD) | |
| Complex Medical Imaging | 0% (AD) | |
| Additional Pharmacy Deductible | $250 | |
| Tier 1 Pharmacy | $20 (DW) | |
| Tier 2 Pharmacy | $50 (DW) | |
| Tier 3 Pharmacy | $75 (DW) | |
| Specialty Pharmacy Benefit Per Script | 30% ($100 Max ARxD) | |
| Out Of Network | ||
| Deductible (Individual/Family) | $10,000 / $20,000 | |
| Out-of-Pocket Max (Individual/Family) | $21,000 / $42,000 | |
| Out-of-Network Coinsurance | 50% | |
| UCR Rate | 110% Medicare | |
| 2026-2027 Plan | ||
|---|---|---|
| In Network ($ Copay or % Coinsurance) | ||
| Deductible (Individual/Family) | $8,000 / $16,000 | |
| Coinsurance | 0% | |
| Maximum Out-of-Pocket (Individual/Family) | $8,500 / $17,000 | |
| Primary Care | $10 (DW) | |
| Specialist | $80 (DW) | |
| Hospital/IP Per Visit | 0% (AD) | |
| Surgical/OP Hospital | 0% (AD) | |
| Emergency Room | 0% (AD) | |
| Urgent Care | 0% (AD) | |
| Lab Services | 0% (AD) | |
| X-Ray Indiv. Facility | 0% (AD) | |
| Complex Medical Imaging | 0% (AD) | |
| Additional Pharmacy Deductible | N/A | |
| Tier 1 Pharmacy | $10 (DW) | |
| Tier 2 Pharmacy | $55 (DW) | |
| Tier 3 Pharmacy | $90 (DW) | |
| Specialty Pharmacy Benefit Per Script | 30% ($100 Max DW) | |
| Out Of Network | ||
| Deductible (Individual/Family) | $10,000 / $20,000 | |
| Out-of-Pocket Max (Individual/Family) | $45,000 / $90,000 | |
| Out-of-Network Coinsurance | 50% | |
| UCR Rate | 110% Medicare | |
Compare Current and New Plan Offerings
Review side-by-side plan updates, benefit enhancements,
and new options for the 2026-2027 plan year.
As part of this year’s renewal season, we’ve summarized key plan updates and enhancements to help you evaluate available options with confidence.
Review the information below to compare current and renewal plan offerings, identify notable changes, and better understand the opportunities available for the 2026-2027 plan year. Any benefits not listed remain unchanged.
| 2025-2026 Plan | 2026-2027 Plan | |
|---|---|---|
| In Network ($ Copay or % Coinsurance) | ||
| Coinsurance | 20% | 100% |
| Maximum Out-of-Pocket (Individual/Family) | $5,000 / $10,000 | $4,000 / $8,000 |
| Hospital/IP Per Visit | $1,000 Copay + 20% (AD) | $300/day – Max $1,500 |
| Surgical/OP Hospital | $1,000 Copay + 20% (AD) | $300 Copay |
| Emergency Room | $750 Copay + 20% (AD) | $350 Copay |
| Lab Services | 20% (AD) | Physicians Office: Same as Visit Outpatient or Independent Lab: 100% |
| X-Ray Indiv. Facility | 20% (AD) | Physicians Office: Same as Visit Outpatient or Independent Lab: 100% |
| Tier 1 Pharmacy | $20 (APD) | $10 (DW) |
| Tier 2 Pharmacy | $50 (APD) | $45 (DW) |
| Tier 3 Pharmacy | $75 (APD) | $70 (DW) |
| Specialty Pharmacy Benefit Per Script | 30% ($250 Max APD) | 30% ($100 Max) |
| Out Of Network | ||
| Deductible (Individual/Family) | $0 / $0 | $1,000 / $2,000 |
| Out-of-Pocket Max (Individual/Family) | $15,000 / $20,000 | $8,000 / $16,000 |
| UCR Rate | 110% Medicare | 300% Medicare |
| 2025-2026 Plan | 2026-2027 Plan | |
|---|---|---|
| In Network ($ Copay or % Coinsurance) | ||
| Emergency Room | 20% (AD) | $350 (DW) |
| Lab Services | 20% (AD) | Physicians Office: Same as Visit Outpatient or Independent Lab: 20% (AD) |
| X-Ray Indiv. Facility | 20% (AD) | Physicians Office: Same as Visit Outpatient or Independent Lab: 20% (AD) |
| Tier 1 Pharmacy | $20 (APD) | $10 (DW) |
| Tier 2 Pharmacy | $50 (APD) | $45 (DW) |
| Tier 3 Pharmacy | $75 (APD) | $70 (DW) |
| Out Of Network | ||
| Out-of-Network Coinsurance | 40% | 50% |
| 2025-2026 Plan | 2026-2027 Plan | |
|---|---|---|
| In Network ($ Copay or % Coinsurance) | ||
| Emergency Room | 30% (AD) | $350 (DW) |
| Lab Services | 30% (AD) | Physicians Office: Same as Visit Outpatient or Independent Lab: 30% |
| X-Ray Indiv. Facility | 30% (AD) | Physicians Office: Same as Visit Outpatient or Independent Lab: 30% |
| Tier 3 Pharmacy | $75 (DW) | $70 (DW) |
| 2025-2026 Plan | 2026-2027 Plan | |
|---|---|---|
| In Network ($ Copay or % Coinsurance) | ||
| Emergency Room | 30% (AD) | $350 (DW) |
| Tier 1 Pharmacy | $20 (DW) | $10 (DW) |
| Tier 2 Pharmacy | $50 (DW) | $45 (DW) |
| Tier 3 Pharmacy | $7 (DW) | $70 (DW) |
| Current Plan | Plan Changes | |
|---|---|---|
| In Network ($ Copay or % Coinsurance) | ||
| Emergency Room | 20% (AD) | $350 (DW) |
| Lab Services | 30% (AD) | Physicians Office: Same as Visit Outpatient or Independent Lab: 30% (AD) |
| X-Ray Indiv. Facility | 20% (AD) | Physicians Office: Same as Visit Outpatient or Independent Lab: 30% (AD) |
| Tier 3 Pharmacy | $75 (DW) | $70 (DW) |
| Current Plan | Plan Changes | |
|---|---|---|
| In Network ($ Copay or % Coinsurance) | ||
| Emergency Room | 30% (AD) | $500 (DW) |
| Lab Services | 30% (AD) | Physicians Office: Same as Visit Outpatient or Independent Lab: 30% (AD) |
| X-Ray Indiv. Facility | 20% (AD) | Physicians Office: Same as Visit Outpatient or Independent Lab: 30% (AD) |
| Tier 1 Pharmacy | $20 (DW) | $15 (DW) |
| Tier 2 Pharmacy | $50 (DW) | $55 (DW) |
| Tier 3 Pharmacy | $75 (DW) | $90 (DW) |
| Out Of Network | ||
| Out-of-Pocket Max (Individual/Family) | $21,000/$42,000 | $20,000/$40,000 |
Dental and Vision Coverage Updates
Important Updates for the Upcoming Plan Year
As part of this year’s renewal season, updates have been made to certain dental and vision plan offerings for the 2026–2027 plan year.
We encourage you to review your renewal information carefully, as available coverage options, plan designs, and benefit details may vary by group. Your renewal materials will provide a complete overview of any applicable updates and available offerings.
As always, your PrestigePEO team is available to help you evaluate your options and make informed decisions that best support your organization and employees.
Enhanced Tools Through the PrestigePEO Benefits Renewal Portal
The Benefits Renewal Portal includes enhancements designed to simplify renewal planning and improve visibility throughout the Open Enrollment process.
Compare Plans with Confidence
- Side-by-side plan comparisons
- Easier visibility into plan changes
- Simplified benefit summaries
Evaluate Contribution Strategies
- Contribution modeling tools
- Employer and employee contribution visibility
- Improved budgeting support
Streamlined Renewal Experience
- Improved dashboard performance
- Centralized renewal information
- Convenient access to supporting resources
As always, your dedicated PrestigePEO Benefits team remains available to provide guidance and support throughout the renewal season.
Supporting You Through Open Enrollment
Questions about your renewal options?
Our Benefits Specialists and Benefits Account Managers are available to provide guidance, answer questions, and support you throughout the renewal process.
Contact us at: 833-PEO-BEN1 or [email protected]
Thank you for your continued trust in PrestigePEO. We’re proud to support you throughout another successful Open Enrollment season.