Cigna Requirements...???
Good Evening! OAP I believe stands for "Open Access Plan" meaning, that you are not required to stay within network when you see a physician. PPO members are given a list of physicians that are "in network" that they are allowed to see. If they go out of network they are usually required to pay, out of pocket for their visits. This is coming from a "family care" stand point. I'm not sure what kind of benefits a OAP would offer you for weight loss surgery. I am a Cigna WLS patient. It took me over 8 months to get approved for surgery. Me and my mom started at the same time and she is STILL fighting for approval. Which is what brought me to this side of the BB. Good luck, I hope all goes well for you. Make sure you have 6 months of a GOOD documeted physician controlled weight loss attempt. They are sticklers about that. I have six months, but it had gaps in it, it must be consecutive. No gaps. Must have monthly weigh ins.