Cigna Health and Life Insurance Co. - Cigna Connect Flex Bronze 7200 - Summary of Benefits and Coverage 2026

Sep 22, 2026

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Summary of Benefits and Coverage for Cigna Connect Flex Bronze 7200 (EPO) for individual and family coverage during 01/01/2026–12/31/2026. The plan explains how costs are shared for covered services, including overall deductible ($7,200 person/$14,400 family) and the out-of-pocket limit ($10,600 person/$21,200 family). It clarifies what is not counted toward the out-of-pocket limit, network-provider discounts, referral requirements for specialists, and example copayments/coinsurance for common medical events such as primary care, specialist visits, preventive care, diagnostic tests, imaging, and certain drug coverage.

LanguageEnglish

CategoryForms

FormatPDF

Pages10

Reading Time4 min

AccessFree to download

Important Questions

Deductible and out-of-pocket rules

Network providers and referrals

Common Medical Events

Office visits, tests, imaging, and drugs

Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: 01/01/2026 – 12/31/2026 Cigna Health and Life Insurance Co.: Cigna Connect Flex Bronze 7200 Coverage for: Individual & Family | Plan Type: EPO | The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately.
This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, call 1-866-494-2111 or visit us [at](at www.cigna.com/ifp-documents. For general definitions of common)[ ](at www.cigna.com/ifp-documents. For general definitions of common)[www.cigna.com/ifp-documents.](at www.cigna.com/ifp-documents. For general definitions of common)[ ](at www.cigna.com/ifp-documents. For general definitions of common)[For general definitions of common](at www.cigna.com/ifp-documents. For general definitions of common) terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the Glossary at [https://www.healthcare.gov/sbc-glossary/](https://www.healthcare.gov/sbc-glossary/ or call)[ or call](https://www.healthcare.gov/sbc-glossary/ or call) 1-866-494-2111 to request a copy.
| | | | --- | --- | --- | | Important Questions | Answers | Why This Matters: | | What is the overall deductible? | $7,200 person/ $14,400 family | Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. If you have other family members on the plan, each family member must meet their own individual deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible. | | Are there services covered before you meet your deductible? | Yes. Preventive care and other services indicated in chart starting on page 2. | This plan covers some items and services even if you haven’t yet met the deductible amount, but a copayment or coinsurance may apply. For example, this plan covers certain preventive services without cost sharing and before you meet your deductible. See a list of covered preventive services at [https://www.healthcare.gov/coverage/preventive-care-benefits/](https://www.healthcare.gov/coverage/preventive-care-benefits/) . | | Are there other deductibles for specific services? | No. | You don’t have to meet deductibles for specific services. | | What is the out-ofpocket limit for this plan? | $10,600 person/ $21,200 family | The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met. | | What is not included in the out-of-pocket limit? | Premiums, balance-billing charges, penalties for failure to obtain preauthorization for services and health care this plan doesn’t cover. | Even though you pay these expenses, they don’t count toward the out-of-pocket limit. | | Will you pay less if you use a network provider? | [Yes. See](Yes. See www.cigna.com/ifp)[ ](Yes. See www.cigna.com/ifp)[www.cigna.com/ifp](Yes. See www.cigna.com/ifp)providers or call 1-866-494- 2111 for a list of network providers. | This plan uses a provider network. You will pay less if you use a provider in the plan’s network. You will pay the most if you use an out-of-network provider, and you might receive a bill from a provider for the difference between the provider’s charge and what your plan pays (balance billing) . Be aware, your network provider might use an out-of-network provider for some services (such as lab work) . Check with your provider before you get services. | | Important Questions | Answers | Why This Matters: | | --- |

FAQs

What are the overall deductible amounts for this plan?

The overall deductible is $7,200 per person and $14,400 for the family. You generally pay costs from providers up to the deductible before the plan begins to pay.

What is the out-of-pocket limit, and what does not count toward it?

The out-of-pocket limit is $10,600 per person and $21,200 for the family. Premiums, balance-billing charges, certain penalties, and care not covered by the plan do not count toward this limit.

Will you pay less when using a network provider, and do you need a referral for a specialist?

You will pay less if you use an in-network provider. You do not need a referral to see a specialist you choose.

Sep 22, 2026

Upload by Noah