No. Plan design is a term used to describe plan options like Premier PPO, Standard PPO, Limited PPO, CDHP/HSA and Local CDHP/HSA. The plan design options differ from each other in terms of cost sharing, but they are not impacted by your network choice between BCBS Network S, BCBS Network P, Cigna LocalPlus or Cigna OAP networks. For example, you may have 15% coinsurance under one plan design option and a 30% coinsurance under another plan design option, but those amounts would be the same whether you have BCBS Network S or Cigna OAP. In general, the plan design options will have the same covered services and exclusions. Once you choose a plan design option, though, your choice of BCBS or Cigna as your carrier may impact coverage of a specific service when BCBS and Cigna have different medical policies. Once you choose a plan design option and a carrier, your choice of network will impact your monthly premium and the doctors and facilities available to you for in-network benefit but will not impact your plan design option.
Is the plan design any different for the Cigna LocalPlus network, Cigna Open Access Plus network, BCBS Network S or BCBS Network P?
