CommercialCoverageMedium impact
Clearity: Cigna Healthcare copay-only medical plan launches July 1
Cigna·Coverage
Effective date
Jul 1, 2026
We identified it
Jun 25, 2026
Summary
Cigna Healthcare is launching a new copay-only medical plan called Clearity effective July 1, 2026, administered by Allegiance. The plan simplifies coverage by eliminating deductibles and coinsurance, replacing them with fixed copays for office visits, laboratory services, imaging, and physical therapy. Providers in the Cigna Healthcare Open Access Plus (OAP) network will automatically be in-network for Clearity patients.
Action Required
By June 30, 2026: Billing team must update systems to recognize the new Clearity plan type and configure copay-only billing logic (no deductible or coinsurance calculations). Verify that your practice's NPI is active in the Cigna Healthcare OAP network through the Allegiance Provider Portal to ensure in-network status. Update encounter forms and patient collection sheets to reflect copay-only cost-sharing. Front desk staff should be trained on the new digital ID card format and copay collection procedures. Contact Allegiance for specific copay amounts for office visits (99201-99215 range), laboratory services, imaging, and physical therapy. Claims submitted without proper Clearity plan designation may be processed with incorrect cost-sharing calculations.