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315 verified Cigna Doctors in San Francisco, CA
Zocdoc verifies all providers before they can appear in Zocdoc search results. Every provider that appears in search is open to new patients.
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Availability last updated 06/03/2026
Availability last updated 06/03/2026
Urgent Care Clinic (Virtual)
4.40
·10 reviews
My video visit was with PA Stephanie Huie. She was GREAT. My appointment was on time, she gave a solution to my problem, and answered all my questions. She was thorough and efficient at the same time. The office staff was great too.Click to read more
San Jose, CA
In-network · Cigna
Accepting new patients · Offers video visits ·
Next available: tomorrow
Physician Assistant
4.94
·114 reviews
Fast and efficient, didn't have to wait long to be checked in. Loved the staff as well! - Feb 4, 2025Click to read more
43 mi · 1760 S Bascom Ave, Campbell, CA 95008
In-network · Cigna
Also offers video visits · Accepting new patients · Highly recommended · Excellent wait time ·
Read bio
Miriam Sherif, PA-C, moved to the Bay Area in late 2023 and is thrilled to join the Carbon Health team. She earned her Master's in Physician Assistant Studies from South College. Her prior clinical experience was at a community hospital in Dallas, providing primary care to people living with HIV. In...Click to read more
Next available: today
Family Nurse Practitioner
4.33
·3 reviews
40 mi · 6600 Lone Tree Way, Brentwood, CA 94513
In-network · Cigna
Accepting new patients ·
Read bio
Monica is a board-certified Family Nurse Practitioner. She obtained her Master of Science degree from UC Davis Betty Irene Moore School of Nursing and her Bachelor of Science degree in Nursing from Duke University School of Nursing. She also has a Bachelor of Science in Clinical Nutrition from UC Da...Click to read more
Next available: Fri, Jun 5
Urgent Care Clinic
4.00
·2 reviews
41.5 mi · 1432 W San Carlos St, 10, San Jose, CA 95126
In-network · Cigna
Accepting new patients
Next available: tomorrow
Urgent Care Clinic
41.5 mi · 1432 W San Carlos St, Ste 10, San Jose, CA 95126
In-network · Cigna
Accepting new patients
Next available: tomorrow
Physician Assistant
4.94
·16 reviews
- Apr 8, 2026 by Benjamin T.Click to read more
41.5 mi · 746 The Alameda, Ste 10, San Jose, CA 95126
In-network · Cigna
Accepting new patients · Highly recommended · Excellent wait time ·
Read bio
As a PA in Family Medicine, I am committed to providing compassionate, patient-centered care. I believe in building strong relationships with my patients, empowering them to play an active role in their health. I love educating my patients on their options in terms of lifestyle changes, medications,...Click to read more
Next available: tomorrow
Family Physician
4.57
·97 reviews
I would recommend this provider and office. Precise and clear plan, great communication. - Mar 6, 2023 by Bridget M.Click to read more
40 mi · 6600 Lone Tree Way, Brentwood, CA 94513
In-network · Cigna
Also offers video visits · Accepting new patients · Expertise in chronic high blood pressure ·
Read bio
Dr. Shreya Khatri is a board-certified Family Medicine physician. She is a graduate of Ross University School of Medicine and completed her residency training at Doctors Medical Center, a UC Davis affiliate in Modesto, California. Dr. Khatri practices full-scope primary care practice which includes...Click to read more
Next available: Mon, Jun 8
Pediatrician
4.85
·521 reviews
Doctor took her time to explain everything in detail and was very professional and understanding. . - Apr 13, 2022 by Adriana Z.Click to read more
41 mi · 2039 Forest Ave, Suite 203, San Jose, CA 95128
In-network · Cigna
Also offers video visits · Accepting new patients · Highly recommended ·
Read bio
Dr. Rekha Manghnani, MD, is a board-certified doctor specializing in pediatric care in San Jose and Sunnyvale, California. She earned her Bachelor of Medicine, Bachelor of Surgery, and medical degree at Government Medical College in Nagpur, India. She also earned her MD from UMDNJ New Jersey. Dr. Ma...Click to read more
Next available: Fri, Jun 5
Allergist
5.00
·2 reviews
Dr. Jones was amazing! She was attentive, great bedside manner, and really listened to what I had to say. She did all the reviewing needed of my past medical history before meeting with me, which was incredibly helpful that she was all caught up as to why I was there! - Apr 30, 2026 by Angel R.Click to read more
44.5 mi · 2420 Samaritan Dr, San Jose, CA 95124
In-network · Cigna
Also offers video visits · Accepting new patients · Highly recommended · Excellent wait time ·
Read bio
**Dr. Jones is our allergist at the San Jose office. If you are booking for a concern related to dermatology, please schedule with one of our dermatologists.** Dr. Jones is a board-certified allergist and immunologist at Schweiger Dermatology & Allergy. She specializes in the diagnosis and managem...Click to read more
Physician Assistant
4.79
·29 reviews
Simple and easy - Apr 15, 2025Click to read more
43.5 mi · 221 E Hacienda Ave, Ste C, Campbell, CA 95008
In-network · Cigna
Accepting new patients · Highly recommended · Excellent wait time ·
Read bio
Helen Newen, MPAS, PA-C, is a board-certified physician assistant. She grew up in San Jose, CA, earning her Bachelors of Science in Public Health Science from Santa Clara University prior to temporarily moving to Phoenix, AZ, where she earned her Master of Science in Physician Assistant Studies from...Click to read more
Next available: today
Urgent Care Clinic
4.27
·30 reviews
Doctor did not earn the money, I will call my insurance to make sure he doesn't get rich for poor judgment. I didn't need his judgement on my choice of care, J needed my lybalvi prescription refilled for a month to a week, what a waste of time!!!! Doctors, earn your pay and stay out of my life ...Click to read more
45 mi · 88 Tully Rd, Ste 114, San Jose, CA 95111
In-network · Cigna
Accepting new patients ·
Read bio
At GetWell Urgent Care, we know that health problems can arise without warning and waiting isn’t always an option. Our experienced medical team is ready to deliver prompt, personalized care for a wide range of concerns, from minor injuries and common illnesses to routine health needs. With short wa...Click to read more
Next available: today
Nurse Practitioner
5.00
·2 reviews
41.5 mi · 746 The Alameda, Ste 10, San Jose, CA 95126
In-network · Cigna
Accepting new patients · Highly recommended ·
Read bio
My goal is to engage my patients with shared decision making to be fully involved in their health to reach their best physical and mental health goals. I want to listen, support, and educate each patient in their journey by incorporating their personal background with my professional knowledge, espe...Click to read more
Next available: tomorrow
Urgent Care Clinic
3.50
·4 reviews
They said ZocDoc appointments don't go through and you have to wait 30 minutes, ended up booking appointment for some other day. And it was smore like time and energy went in vein. Not sure why there is way to book appointment using ZocDoc if it won't going to be shown in their system upon reaching ...Click to read more
46.5 mi · 1680 E Capitol Expy, Ste 10, San Jose, CA 95121
In-network · Cigna
Accepting new patients
Next available: tomorrow
Urgent Care Clinic
4.45
·75 reviews
Thank you for being there on a holiday - May 29, 2023 by Gina C.Click to read more
46.5 mi · 5120 Cherry Ave, San Jose, CA 95118
In-network · Cigna
Accepting new patients ·
Read bio
Carbon Health combines smart technology and modern design to help make high-quality, inclusive, and personal healthcare accessible to all. With our convenient urgent care locations, we treat a full spectrum of health needs including cold, COVID and flu symptoms, urinary tract infections, sinus infec...Click to read more
Next available: today
Urgent Care Clinic
5.00
·5 reviews
Friendly staff and was seen at my appointment time. - Jan 6, 2026 by Jerry V.Click to read more
47 mi · 1375 Blossom Hill Road, San Jose, CA 95118
In-network · Cigna
Accepting new patients · Highly recommended · Excellent wait time
Next available: tomorrow
Urgent Care Clinic
4.50
·6 reviews
I had to cancel my appointment this time at Action Urgent Care, but the previous times I have been a patient there - it was top notch! Doctor was awesome and the nurses were equally as great. They listened to me talk about my symptoms and prior health issues and formulated a plan for me. I would def...Click to read more
45 mi · 640 Blossom Hill Rd, A, Los Gatos, CA 95032
In-network · Cigna
Accepting new patients · Excellent wait time
Next available: tomorrow
Physician Assistant
4.84
·85 reviews
Sarah was the absolute best! It's great to find a doctor who cares so much about you. by EHClick to read more
44.5 mi · 15100 Los Gatos Blvd, Ste 4, Los Gatos, CA 95032
In-network · Cigna
Accepting new patients · Highly recommended · Excellent wait time ·
Read bio
Sarah Downum is a warm, thoughtful, and detail-oriented Physician Assistant who believes that exceptional care begins with truly listening. She is committed to making every visit collaborative and supportive, ensuring patients feel heard, respected, and confident in their care plan. Sarah earned he...Click to read more
Next available: tomorrow
Physician Assistant
4.94
·153 reviews
it's very good and she is super patient and explain every detials - Oct 15, 2024 by yucan L.Click to read more
43.5 mi · 221 E Hacienda Ave, Ste C, Campbell, CA 95008
In-network · Cigna
Accepting new patients · Highly recommended · Excellent wait time ·
Read bio
Christine Lim is a board-certified physician assistant who works with Dr. Jeffrey Blue in family care and sports medicine, providing routine check-ups, physical examinations, and preventive screenings, in addition to immunizations, diagnosis and management of acute and chronic illnesses, management ...Click to read more
Next available: Mon, Jun 8
Gastroenterologist
4.85
·131 reviews
The office staff were very friendly. The doctor was kind and very open to my concerns. - Nov 1, 2023 by Adam R.Click to read more
44.5 mi · 15251 National Ave, Ste 203, Los Gatos, CA 95032
In-network · Cigna
Accepting new patients · Highly recommended · Excellent wait time ·
Read bio
**ALL EXISTING PATIENTS MUST CALL THE OFFICE TO BOOK THEIR FOLLOW-UP APPOINTMENTS** Dr. Bhargava Gannavarapu is a Board Certified Gastroenterologist. He earned his Doctor of Medicine from Rosalind Franklin University of Medicine and Science/The Chicago Medical School. He then completed his residenc...Click to read more
Next available: Fri, Jun 5
Physician Assistant
4.95
·138 reviews
I had a great experience with the staff and the practitioner is excellent, nice, empathetic and knowledgeable. - Jan 13, 2026Click to read more
44.5 mi · 15100 Los Gatos Blvd, Ste 4, Los Gatos, CA 95032
In-network · Cigna
Accepting new patients · Highly recommended · Excellent wait time ·
Read bio
Whitney Stannard is a dedicated and compassionate Physician Assistant who believes every patient deserves care that is both clinically excellent and deeply personal. She strives to make each visit a partnership, where patients feel listened to, understood, and empowered in their health journey. Whi...Click to read more
Next available: Mon, Jun 8
Gastroenterologist
4.85
·145 reviews
The staff was very friendly and helpful. The doctor answered all my questions. - Sep 16, 2021 by Linda P.Click to read more
44.5 mi · 15251 National Ave, Ste 203, Los Gatos, CA 95032
In-network · Cigna
Accepting new patients · Highly recommended · Excellent wait time ·
Read bio
Dr. Ruel Garcia graduated Magna Cum Laude in Biological Sciences from the University of California, Irvine. He earned his Doctor of Medicine from the University of California, San Diego, School of Medicine. Following medical school, Dr. Garcia completed an internship in General Surgery and a residen...Click to read more
Next available: Thu, Jun 11
Gastroenterologist
4.93
·142 reviews
Excellent, kind doctor. I felt very heard during my first visit; she ordered all the diagnostic testing. We made a really good plan. Thank you! - Feb 17, 2025 by Gabriela L.Click to read more
44.5 mi · 15251 National Ave, Ste 203, Los Gatos, CA 95032
In-network · Cigna
Accepting new patients · Highly recommended · Excellent wait time ·
Read bio
University of Michigan Medical School in Ann Arbor, Michigan. Dr. Nguyen went on to complete her internship and residency in internal medicine at Yale University School of Medicine. While at Yale, she participated in the Office of Global Health through volunteering to under-resourced communities. Dr...Click to read more
Next available: Wed, Jun 24
Internist
4.25
·36 reviews
His website was not splashy or filled with detail. He told me he prefers to give patients the care they need and rely upon referrals, rather than the website, to attract patients. - Feb 13, 2023 by Michael B.Click to read more
61 mi · 2357 W March Ln, Stockton, CA 95207
In-network · Cigna
Accepting new patients ·
Read bio
Dr. Dheeraj Nandanoor is an internist who completed his Internal Medicine Residency at BLHC-Mount Sinai in New York City. He earned his medical degree from Kamineni Institute of Medical Sciences, where he received his Bachelor of Medicine, Bachelor of Surgery. Dr. Nandanoor is affiliated with multip...Click to read more
Next available: tomorrow
Family Nurse Practitioner (Virtual)
Morgan Hill, CA
In-network · Cigna
Accepting new patients · Offers video visits ·
Read bio
Mr. Masangkay is a dedicated, empathetic, and enthusiastic healthcare professional offering more than 15 years of top-quality patient care to individuals and families, with a consistent focus on patient safety and high- quality care. A licensed and board-certified advanced practice registered nurse ...Click to read more
Physician Assistant
5.00
·2 reviews
61 mi · 2357 W March Ln, Stockton, CA 95207
In-network · Cigna
Accepting new patients · Highly recommended · Excellent wait time ·
Read bio
Ms. Kendahl Montanez is a skilled physician assistant based in Stockton, CA. She practices at Synergy Med and offers compassionate and expert care. Ms. Montanez has experience taking medical histories, conducting physical exams, diagnosing illnesses, and prescribing medications under a physician-gu...Click to read more
Next available: Thu, Jun 18
Primary Care Doctor
70 mi · 632 W Gibson Rd, Woodland, CA 95695
In-network · Cigna
Accepting new patients · Expertise in sepsis ·
Read bio
I believe in a collaborative approach to healthcare. I like working closely with my patients to personalize treatment plans. My goal is to empower individuals with the knowledge they need to manage their chronic conditions and improve their overall wellbeing. My first exposure to medicine was as a...Click to read more
Next available: Fri, Jun 5
Primary Care Doctor
4.21
·19 reviews
70 mi · 632 W Gibson Rd, Woodland, CA 95695
In-network · Cigna
Accepting new patients · Expertise in chronic high blood pressure + 2 more ·
Read bio
Partner with my patient to prevent, manage and treat medical illnesses and help guide them through the medical system.Click to read more
Next available: Thu, Jul 2
Pediatrician
5.00
·4 reviews
70 mi · 632 W Gibson Rd, Woodland, CA 95695
In-network · Cigna
Accepting new patients · Highly recommended ·
Read bio
Dr. Matthew Paranial is a skilled and experienced pediatrician who provides his services at Dignity Health Medical Foundation in Merced, CA. During consultations, Dr. Paranial carefully evaluates each patient to arrive at an accurate diagnosis and develops customized treatment plans that meet their...Click to read more
Next available: tomorrow
Urgent Care Clinic
4.22
·9 reviews
Oh my goodness….the doctor (Dr Belcher) was amazing. She was so knowledgeable and her bedside manner was great! We wish we could have her as our primary doctor. It was easy to get an appointment the same day. We will definitely use this facility again even though it was 30 minutes away - Apr 21,...Click to read more
71 mi · 8259 Laguna Blvd, Ste 100, Elk Grove, CA 95758
In-network · Cigna
Accepting new patients ·
Read bio
Dignity Health is making it even easier to get the care you need—at our new Express Primary Care location in Elk Grove. Express Primary Care is a service of Dignity Health Medical Foundation and offers virtual and in-person appointment options for all your day-to-day health care needs. Get in, get s...Click to read more
Next available: tomorrow
Urgent Care Clinic
4.58
·24 reviews
The provider checks my vitals and making sure that all needed examination just to make sure that nothing is missed during the visit, appointment was done so easy through online appointment, I am happy with the service that was provided during this visit at the clinic - Mar 26, 2026 by Angelica D.Click to read more
72.5 mi · 2081 Bronze Star Dr, Woodland, CA 95776
In-network · Cigna
Accepting new patients ·
Read bio
Urgent care is a good alternative to the emergency room in medical scenarios that need immediate attention but are not life-threatening. Dignity Health Medical Foundation’s urgent care clinics are equipped with X-ray services, allowing you to receive diagnostic care and treatment under one roof.Click to read more
Next available: today
Pediatrician
70 mi · 632 W Gibson Rd, Woodland, CA 95695
In-network · Cigna
Accepting new patients · 25+ years of experience ·
Read bio
I seek to create a space that allows effective communication. This accurate communication quickly allows understanding of what is necessary for healing in each encounter. I enjoy sharing my knowledge and, in turn, learning from families in my pediatric practice. The relationship with families afford...Click to read more
Next available: Wed, Jun 10
Pediatrician
5.00
·5 reviews
70 mi · 632 W Gibson Rd, Woodland, CA 95695
In-network · Cigna
Accepting new patients · Highly recommended ·
Read bio
I strive to leave parents feeling confident about their children's health. Educating them on the developmental norms of all stages of their kid's life.Click to read more
Next available: Thu, Jul 2
Pediatrician
72.5 mi · 2081 Bronze Star Dr, Woodland, CA 95776
In-network · Cigna
Accepting new patients ·
Read bio
I look forward to partnering with families through all the stages of a child's journey – providing guidance, advocacy and support for every milestone.Click to read more
Next available: Thu, Jun 25
Primary Care Doctor (Virtual)
4.52
·1695 reviews
He is a great doctor asks questions and actually cares about the patient. The last visit was fine. by MSClick to read more
Markleeville, CA
In-network · Cigna
Accepting new patients · Offers video visits · Excellent wait time ·
Read bio
Please note: After booking, our team may reach out to help you prepare for your visit and verify insurance. Coverage varies by plan, and patients are responsible for applicable costs. Dr. Ngwudike DOES NOT prescribe controlled substances via telemedicine. Missed appointments may incur a fee. Dr. Ch...Click to read more
Next available: today
Primary Care Doctor (Virtual)
5.00
·1 review
Markleeville, CA
In-network · Cigna
Accepting new patients · Offers video visits · Highly recommendedExpertise in acute urinary tract infection + 4 more
Next available: today
Primary Care Doctor (Virtual)
Markleeville, CA
In-network · Cigna
Accepting new patients · 25+ years of experience · Offers video visits ·
Next available: today
Primary Care Doctor (Virtual)
Markleeville, CA
In-network · Cigna
Accepting new patients · Offers video visits ·
Next available: today
Primary Care Doctor (Virtual)
3.00
·2 reviews
Markleeville, CA
In-network · Cigna
Accepting new patients · Offers video visits ·
Next available: today
Primary Care Doctor (Virtual)
1.00
·1 review
Did not receive my call from the doctor. Called medical office and told me they didn’t even get the ticket from Zocdoc. I rate this experience a zero out of 10 you should be ashamed of yourself as a company and as a software. - May 8, 2026 by Brandon T.Click to read more
Markleeville, CA
In-network · Cigna
Accepting new patients · 25+ years of experience · Offers video visits ·
Next available: today
Primary Care Doctor (Virtual)
4.00
·2 reviews
Markleeville, CA
In-network · Cigna
Accepting new patients · 16 years of experience · Offers video visits · Expertise in high cholesterol + 9 more
Next available: today
Calendar Check
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Average time it takes to be seen by a provider

Doctor
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Verified providers with a 4.8 average rating

Primary Care Physician
15+ years

In the business of finding quality care for patients

Patients trust Zocdoc
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So easy to schedule an appointment with my doctor through Zocdoc. I only schedule visits through the Zocdoc platform now.
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Frequently asked questions

How many Primary Care Doctors in San Francisco accept Cigna?

30 Primary Care Doctors in San Francisco accept Cigna. You can view open appointments and book online in just a few clicks.


How can I make a same-day appointment with a Primary Care Doctor in San Francisco who takes Cigna insurance?

On average, patients who use Zocdoc can search for a Primary Care Doctor in San Francisco who takes Cigna insurance, book an appointment, and see the Primary Care Doctor within 24 hours. Same-day appointments are often available, you can search for real-time availability of Doctors in San Francisco who accept Cigna insurance and make an appointment online.


How can I find a Primary Care Doctor in San Francisco who takes Cigna?

Zocdoc lets you search specifically for a Primary Care Doctor in San Francisco who takes Cigna. Just choose your carrier and plan from the drop-down menu at the top of the page. If you’re not sure which plan you have, you can use Zocdoc’s insurance checker to find out.


How can I book an appointment online with a Cigna Primary Care Doctor in San Francisco?

Zocdoc is a free online service that helps patients find Cigna Doctors in San Francisco and book appointments instantly. You can search for Cigna Doctors in San Francisco by symptom or visit reason. Based on that information, you’ll see a list of providers who meet your search criteria, along with their available appointment slots.


How can I find a female Primary Care Doctor in San Francisco who takes Cigna insurance?

When you search for Cigna Doctors in San Francisco on Zocdoc, you can filter your results by gender, in addition to other criteria. That way, you’ll only see Cigna Doctors in San Francisco who match your preferences.


How can I find a Cigna Primary Care Doctor in San Francisco who sees patients after hours?

On Zocdoc, you can search specifically for Cigna Doctors in San Francisco with availability after 5 p.m.


How can I find a top-rated Cigna Primary Care Doctor in San Francisco?

You can use Zocdoc to find Cigna Doctors in San Francisco who are highly rated by other patients. These ratings are based on verified reviews submitted by real patients. Every time a patient completes an appointment booked on Zocdoc, they’re invited to review their experience. Each review must comply with Zocdoc’s guidelines.


How can I find a video visit with a Primary Care Doctor online in San Francisco?

Doctors in San Francisco on Zocdoc who see patients through online video visits will have a purple video icon on their profiles. You can also filter your search results to show only Doctors who offer video visits.


Are video visits with a Primary Care Doctor online covered by Cigna?

Most insurers provide coverage for video visits at the same cost as in-person visits. You can search on Zocdoc specifically for Doctors in San Francisco who accept Cigna for video visits by selecting your carrier and plan from the drop-down menu at the top of the page. We recommend you check with your insurance carrier directly to confirm your coverage and out of pocket costs for video visits.


How can I find a Cigna Primary Care Doctor in San Francisco who sees patients in the morning or evening?

Zocdoc lets you search specifically for a Primary Care Doctor who has appointments available before 10:00 am, or after 5:00 pm. Just choose the special hours filter at the top of our search page.


How can I find a Cigna Primary Care Doctor in San Francisco who sees patients during the weekend?

Zocdoc let's you see real-time availability for Cigna Doctors in San Francisco. Many Cigna Doctors offer appointments on Saturdays and Sundays.


All numbers and provider counts reflect Zocdoc data as of December 2025

What is health insurance, and why is it important?

Healthcare costs are on the rise, surpassing medical inflation rates. Hence, having health insurance coverage is essential for safeguarding your finances against unforeseen medical emergencies affecting you or your loved ones. Experts stress the importance of incorporating a health insurance policy into your financial planning, especially when you're young and responsible.


Obtaining a health insurance plan early in life offers several benefits, including higher coverage amounts, lower premiums, and exemption from medical exams. This proactive approach helps ensure financial security and peace of mind amid escalating medical expenses.


A health insurance policy is a contract between the insured individual and the insurance provider. It offers immediate financial assistance in case of illness, injury, or accident. By paying a premium, the policyholder secures coverage for potential medical expenses.


Insurance companies typically provide compensation through two methods:

  1. Cashless Treatment: In this arrangement, policyholders are relieved of the responsibility to make payments at network hospitals, as the insurance company directly handles bill settlement with the hospital.
  2. Reimbursement: In this scenario, the policyholder covers the medical expenses initially and then seeks reimbursement from the insurance company afterward.

Many medical insurance providers offer various services catering to your healthcare needs. One such provider is Cigna.


What is Cigna?

Cigna Healthcare, a leading health insurance provider, is committed to enhancing well-being across all stages of life. Cigna Healthcare strives to promote improved health throughout all stages of life. 


As the health benefits provider for the Cigna Group, it assists customers in navigating the complexities of healthcare, empowering them with knowledge to make informed health decisions. Its offerings encompass the U.S. Commercial, U.S. Government (including Medicare), and International Health sectors, providing customized plans and solutions to meet diverse needs.


What are deductibles?

A deductible is the amount you pay for covered medical services before insurance coverage kicks in. Medical insurance plans with lower monthly premiums generally have higher deductibles, while those with higher premiums often have lower deductibles.


For example, let's consider a scenario involving a visit with a primary care physician (PCP). Suppose your health insurance plan has a $500 deductible, and your PCP charges $200 for a routine check-up. In this case, you would pay a total of $200 upfront. Later on, if you require another visit to your PCP costing $700, you would then pay $300 out of pocket (plus any copay or coinsurance as specified in your plan). Once you've met your $500 deductible, your insurance coverage begins, and the insurer covers the remaining expenses for covered services.


Alternatively, if your plan has a higher deductible of $1,000 and your PCP bills $2,000 for a comprehensive examination, you would be responsible for paying $1,000 (plus any copay or coinsurance), after which your insurance coverage would apply to subsequent medical expenses.


Many insurance plans cover essential services like check-ups and chronic disease management programs, providing some coverage even before you meet your deductible.


What are some other insurance-related terms you should know?

Navigating health insurance plans can feel overwhelming, especially if it’s your first time. Familiarizing yourself with some important insurance-related terms can help you make informed decisions about your healthcare:

  • Copay or copayment: Copayment is a fixed fee that you pay for a doctor’s visit, prescription refill, or covered service. Your insurer covers the rest. Copayments are lower if you avail of services from an in-network provider than an out-of-network provider.
  • Coinsurance: This refers to the percentage of the total cost of covered healthcare services you must pay, typically after your deductible is met. Your insurer pays the rest of the amount. Similar to copayments, coinsurance is lower for services from an in-network provider.
  • Grace period: If you miss a monthly payment, your healthcare coverage will lapse after a certain amount of time. This duration is known as a grace period. If you pay your premium before the grace period ends, your coverage will remain unaffected. If you fail to pay by that point, your coverage will be canceled retroactively, which means you will only be covered through the end of the last month you paid for.  
  • Medicaid: Medicaid, a government-run health insurance program, offers partially or fully subsidized coverage to low-income families. Factors like household income, disability, pregnancy, and number of children determine Medicaid eligibility. Since state governments distribute Medicaid, eligibility also varies depending on where you live. 

To learn about more key insurance-related terminology, check out Zocdoc’s guide.


Who is a primary care doctor?

A primary care physician (PCP) oversees your overall health and well-being. They are typically the first point of contact for non-emergency health issues or medical concerns. While most PCPs are doctors, some may be nurses or physician assistants.


PCPs can aid in the early detection and prevention of potential health problems, ultimately reducing the need for hospitalization and minimizing long-term medical expenses. They offer comprehensive care throughout your life and are skilled at identifying when more specialized medical interventions or consultations with specialists are necessary.


Consider exploring Cigna primary care doctors near you when seeking reliable healthcare support. These healthcare experts are committed to providing personalized care and guidance to address your unique health needs and concerns.


How much does a visit to a primary care physician cost?

A primary care visit without insurance typically costs $150 to $300 for an initial consultation, with an average cost of approximately $171 observed across major cities in the United States. Beyond the basic visit fee, additional charges apply for supplementary services such as childhood and adult immunizations, laboratory testing, or prescribed medications.


Moreover, a routine wellness examination could cost around $75 to $300. It's important to factor in these varying costs when estimating out-of-pocket expenses for primary care.


When considering the costs of additional primary care services, it's essential to note the following average expenses:

  • Physical exams: $199
  • Childhood immunizations: $650
  • Screening and treatment of STIs & STDs: $300
  • Pediatric visits: $100
  • PAP smears: $39 to $125

These figures provide an overview of the anticipated costs of various supplementary services during a primary care visit. The variability of the expenses for primary care visits and additional services underscores the importance of having health insurance coverage.


With insurance, individuals can mitigate the financial burden associated with healthcare expenses, ensuring access to necessary medical services without undue financial strain.


How can I find Cigna primary care doctors near me in San Francisco, California?

In today's fast-paced world, having a dependable primary care doctor to support and guide you is crucial, especially in a commercial city like San Francisco, CA.


Zocdoc is your seamless solution for booking appointments with top-rated primary care doctors. You can search for specialists based on your specific needs and preferences, eliminating the hassle of long wait times and unnecessary travel. Plus, you can effortlessly find healthcare professionals who accept your insurance plan using Zocdoc’s insurance detector, saving you time and money. When booking an appointment on Zocdoc, the website prompts you to share details about your insurance or to acknowledge that you are paying out-of-pocket. Some healthcare providers need you to provide insurance information in order to schedule appointments with them. If you do not have insurance or do not want to use insurance for your appointment, you can always find another suitable provider on Zocdoc. For more insurance-related queries, check Zocdoc's patient help center.


On Zocdoc, you can delve into each provider's profile to gain insights into their background, experience, certifications, and even language proficiency or cultural background. Patient ratings and reviews are also available to help you make informed decisions when selecting a primary care physician. Zocdoc offers flexibility in scheduling, allowing you to book appointments at your convenience, whether it's during evenings, weekends, or even holidays.


Booking appointments with Cigna primary care doctors near you is now easy, quick, and completely free of charge!


Statistics related to health insurance in San Francisco, CA

Statistics published on Tableau reveal that Cigna is pivotal in delivering affordable, quality healthcare to a vast clientele of 95 million global customers. These plans offer a comprehensive range of insurance products such as commercial health, dental, life, accident, and coverage for Medicare and Medicaid recipients.


California has a significant demand for healthcare professionals, particularly family medicine physicians. As per a U.S. Bureau of Labor Statistics report, employment in this field is notable, with around 15,480 family medicine doctors serving the population as of May 2023.


According to the UCLA Center for Health Policy Research, employer-based insurance remains a prominent source of coverage for California's adults under age 65 and children, encompassing approximately six in 10 individuals (59.5%). However, despite this coverage, a notable portion of the population remains uninsured, accounting for 7.7% or 2.5 million people.


Furthermore, there's a correlation between education levels and access to employer-based health benefits, as individuals with higher levels of education are more likely to secure jobs that offer such benefits. These statistics highlight the significance of accessible and comprehensive insurance coverage, such as Cigna's, in ensuring healthcare accessibility and affordability for all population segments.


Sources

Forbes

Cigna Healthcare

UCLA Center for Health Policy Research

U.S. Bureau of Labor Statistics

Tableau

Mira

Cleveland Clinic

Zocdoc

The content herein is provided for general informational purposes only and is not a substitute for professional medical advice, diagnosis or treatment. Medical information changes constantly, and therefore the content on this website should not be assumed to be current, complete or exhaustive. Always seek the advice of your doctor before starting or changing treatment. If you think you may have a medical emergency, please call your doctor or 9-1-1 immediately.

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