When a customer visits a non-LocalPlus provider within the LocalPlus area, coverage will be at the out-of-network rate. When a customer is outside of the LocalPlus service area, but the provider is within Cigna's national Open Access Plus (OAP) network, coverage will be at OAP in-network rates. As a reminder, if the provider is out-of-network, coverage will be at the out-of-network rate.
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