Cigna Network Choice Fund PPO — Through Triad Benefits
A level-funded major-medical plan on the Cigna Open Access national PPO network. Administered by Acuity. Eight plan tiers from a $7,350 HDHP-style "Value" plan up to a $1,000-deductible Classic plan with $20 / $40 office copays. Available to individuals, families, and groups of one or more through Elevate Wellness association membership.
Get Your Personalized Monthly Rate
Enter the four fields below to see estimated rates across all 8 plans. Final rates are confirmed by Triad underwriting within 2 business days of your Personal Health Questionnaire.
Your Estimated Monthly Rates
| Plan | Deductible (Ind / Family) | Estimated Monthly | Published Range |
|---|
Estimates interpolate within the published Triad/Cigna rate range based on age. ACA-compliant plans don't rate by gender; ZIP is captured for state-availability and broker-licensing purposes only. Final pricing is determined by Triad underwriting based on health conditions disclosed in your Personal Health Questionnaire. Some applications may be "Declined to Quote." Published rate grid valid through 7/31/2026.
What You Need to Know Before Choosing
Six facts that determine whether this plan is right for you.
How it's structured
This is a level-funded major-medical plan, not an ACA individual-market policy. You pay one fixed monthly premium that's guaranteed not to change until your annual renewal. Plan is sponsored by Triad Benefits (developed by Health Cooperative Strategies and CBC) and administered by Acuity.
The network
Cigna Open Access national PPO — same network used by Cigna's employer plans. Provider lookup at Cigna Find a Doctor (select "Employer or School" → "PPO" network). Out-of-network care is covered at 60% after a separate non-network deductible (50% on 5000 HSA).
Pharmacy
Prescriptions run through Pro Act National Rx (877-635-9545). Generic $15, preferred brand $45–$65, non-preferred $85–$100 depending on plan. Specialty drugs are 50% coinsurance until the calendar-year out-of-pocket max, then 100%. Non-participating pharmacies are not covered.
Eligibility & timing
Issue ages 18–64 (dependents may be added). Coverage starts the 1st of the month after approval. Application deadline is the 20th of the prior month. Rate is locked for 12 months from your effective date.
Required membership
Access requires membership in the Elevate Wellness national association. Membership is added during enrollment and is what makes the large-group pricing available outside of an employer group.
Underwriting
All plans are medically underwritten. You complete a Personal Health Questionnaire; Triad returns a confirmed rate within 2 business days. Rates may land anywhere within the published range, and some applications are "Declined to Quote."
Eight Plans on One Network
All eight tiers use the same Cigna Open Access PPO network. The difference is deductible, copay structure, and HSA eligibility.
Starting rates shown are "Member Only" from the published Triad / Cigna rate grid (effective through 7/31/2026). Use the quote form above for your personalized estimate.
In-Network Benefits Comparison
Preventive care is 100% covered on every plan with no deductible. Out-of-pocket maximums apply to in-network charges; once met, the plan pays 100%.
| Benefit | 7350 Value | 5000 HSA | 3500 HSA | 5000 Classic | 3500 Classic | 2500 Classic | 1500 Classic | 1000 Classic |
|---|---|---|---|---|---|---|---|---|
| Deductibles & Out-of-Pocket | ||||||||
| Individual Deductible | $7,350 | $5,000 | $3,500 | $5,000 | $3,500 | $2,500 | $1,500 | $1,000 |
| Family Deductible | $14,700 | $10,000 | $7,000 | $10,000 | $7,000 | $5,000 | $3,000 | $2,000 |
| Individual Max OOP | $7,350 | $6,550 | $6,550 | $7,350 | $7,350 | $7,350 | $7,350 | $5,000 |
| Family Max OOP | $14,700 | $13,100 | $13,100 | $14,700 | $14,700 | $14,700 | $14,700 | $10,000 |
| HSA-Qualified | No | Yes | Yes | No | No | No | No | No |
| Office Visits & Copays | ||||||||
| Primary Care | $50 copay | 80% after ded. | 80% after ded. | $45 copay | $45 copay | $30 copay | $30 copay | $20 copay |
| Specialist | $100 copay | 80% after ded. | 80% after ded. | $90 copay | $90 copay | $60 copay | $60 copay | $40 copay |
| Urgent Care | $100 copay | 80% after ded. | 80% after ded. | $90 copay | $90 copay | $60 copay | $60 copay | $40 copay |
| Chiropractic (20 visits/yr pre-approved) | $20 copay | 80% after ded. | 80% after ded. | $20 copay | $20 copay | $20 copay | $20 copay | $20 copay |
| Telemedicine (SwiftMD) | $0 — included on all plans | |||||||
| Hospital & ER (after deductible) | ||||||||
| Emergency Room | 100% paid | 80% paid | 80% paid | 80% paid | 80% paid | 80% paid | 80% paid | 80% paid |
| Inpatient Facility | 100% paid | 80% paid | 80% paid | 80% paid | 80% paid | 80% paid | 80% paid | 80% paid |
| Outpatient Surgery | 100% paid | 80% paid | 80% paid | 80% paid | 80% paid | 80% paid | 80% paid | 80% paid |
| Prescription Drugs — 30-Day Retail via Pro Act National Rx | ||||||||
| Generic | $15 | $15 after ded. | $15 after ded. | $15 | $15 | $15 | $15 | $15 |
| Preferred Brand | $65 | $65 after ded. | $65 after ded. | $65 | $65 | $45 | $45 | $45 |
| Non-Preferred Brand | $100 | $100 after ded. | $100 after ded. | $100 | $100 | $90 | $85 | $85 |
| Specialty | 50% coinsurance until OOP max, then 100% (Magellan network not covered) | |||||||
Plan benefits sourced from the Cigna Choice Fund PPO Plan Summaries (Triad, 2025–26). This is a general comparison only — refer to the Summary of Benefit Coverage and Summary Plan Document for legal descriptions.
How to Enroll — 6 Steps
From quote request to member portal access. Most applicants complete steps 1–5 in under a week.
Submit your information
Use the form at the bottom of this page. We collect name, email, phone, and how you heard about us — nothing more at this stage.
Complete the Personal Health Questionnaire
An online form that takes 10–15 minutes. Triad needs your medical history to set your rate.
Receive your confirmed rate (within 2 business days)
Triad underwrites your application and returns your exact monthly rate. Rate may land anywhere within the published range based on your health profile.
15-minute call with a licensed agent
Review the rate, compare plan tiers, confirm provider access, and pick the deductible/copay structure that works for your budget.
Sign documents electronically
Including Elevate Wellness association membership enrollment. Coverage effective on the 1st of the following month if signed by the 20th.
Member portal & ID cards
Cigna ID cards arrive by mail; digital cards are available immediately through your member portal. SwiftMD telemedicine activates day one.
(excludes ID, ND, SD, WA)
Classic + HSA + Value
Member Only, 7350 Value
to underwriting decision
Start Your Application
Fill out the form and we'll send you the Personal Health Questionnaire and the Elevate Wellness membership form. A licensed Illinois Health Agents broker will follow up within one business day to walk through pricing.
- No fees and no obligation — broker compensation is built into the plan
- We never sell your information to third parties
- You won't receive unsolicited calls or email marketing
- Plan is not available on Healthcare.gov or any state exchange — enrollment is direct through licensed brokers only
Prefer to Talk to Someone First?
Licensed Illinois Health Agents brokers are available Monday–Friday, 9am–5pm Central.