Cigna Chiropractic coverage varies depending on the policy and employer. Options include HMO and PPO. As a network provider, we offer full benefits for all types of plans including PPO and HMO. HMO coverage is often offered through third part HMO’s like A.S.H.P. (American Specialty Health Plan) or Other plan. We are in network for both PPO and HMO plans. Our insurance team can quickly verify benefits. No referral required for HMO benefits.