Cigna Ultra 3000
The best-value Cigna Ultra plan balancing affordable premiums with solid coverage and low copays for everyday care.
Individuals and families who want a balance between affordable monthly premiums and solid day-to-day coverage with copays for office visits and prescriptions before meeting the deductible.
Plan Overview
The Cigna Ultra 3000 is the best-value plan in the Cigna Ultra lineup. It offers a mid-range $3,000 deductible with 70/30 coinsurance and $30 primary care copays, giving you meaningful coverage at a more affordable premium than the Ultra 1000. This plan is designed for people who want solid protection without paying top-tier premiums.
Like all Cigna Ultra plans, the Ultra 3000 is available exclusively through Independent Health Agents via Elevate Wellness at large-group pricing not found on the open market. It uses the Cigna Open Access national PPO network with over 875,000 providers across all 50 states and requires no referrals to see specialists.
In-Network Benefits
| Benefit | What You Pay |
|---|---|
| Core Medical | |
| Annual Deductible (Single / Family) | $3,000 / $6,000 |
| Max Out-of-Pocket (Single / Family) | $9,450 / $18,900 |
| Coinsurance (plan pays) | 70% |
| Office Visits | |
| Primary Care Visit | $30 copay |
| Specialist Visit | $60 copay |
| Urgent Care Visit | $60 copay |
| Mental Health (Outpatient) | $30 copay |
| Preventive Care | Covered 100% |
| Hospital & Emergency | |
| Emergency Room | 30% after deductible |
| Hospitalization (Inpatient) | 30% after deductible |
| CT / PET / MRI | 30% after deductible |
| Maternity / Childbirth | 30% after deductible |
| Therapy & Rehab | |
| Rehab / Habilitative Services | $60 copay/visit (20 visits/yr combined) |
| Skilled Nursing Facility | 30% after deductible (60 days/yr) |
Prescription Drug Coverage (30-Day Supply)
| Tier | What You Pay |
|---|---|
| Generic | $15 |
| Brand Preferred | $65 |
| Non-Preferred Brand | $100 |
| Specialty | Not Covered |
Prescription drug copays apply before the deductible on this plan. Generic medications are available at a low $15 copay. Note that specialty drugs are not covered on the Ultra 3000 — if you require specialty medications, consider the Ultra 1000 which includes MyRX specialty drug access.
Out-of-Network Benefits
| Benefit | What You Pay |
|---|---|
| Out-of-Network Deductible (Single / Family) | $6,000 / $12,000 |
| Out-of-Network Max OOP (Single / Family) | $18,950 / $37,900 |
| Out-of-Network Coinsurance (plan pays) | 40% |
Cigna Open Access PPO Network
- 875,000+ providers nationwide
- Available in all 50 states
- No referrals required for specialists
- In-network and out-of-network coverage
- 12-month rate lock from effective date
Underwriting & Eligibility
- Simplified underwriting (short health questionnaire)
- Issue ages: 18–64 (dependents may be added)
- Effective 1st of month following approval
- Enrollment deadline: 20th of prior month
- Must join Elevate Wellness association
- ACA-compliant with mandated preventive services
Summary of Benefits and Coverage (SBC)
Review the full SBC document for complete plan details, exclusions, and limitations.
View SBC Document →Prescription Drug Formulary
View the full list of covered medications, tiers, and any prior authorization requirements.
View Formulary (PDF) →Ready to Enroll in Ultra 3000?
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