Cigna: Open Access vs Local Plus

It’s open enrollment time and this time they’re offering this Local Plus plan in addition to the usual Open access plans. All of my current doctors are listed as in-network under the cheaper Local Plus plan so that seems like a good way to save some money. Is there something I’m missing? Any reason to get the Open Access plan if all my doctors are in-network?

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It’s open enrollment time and this time they’re offering this Local Plus plan in addition to the usual Open access plans. All of my current doctors are listed as in-network under the cheaper Local Plus plan so that seems like a good way to save some money. Is there something I’m missing? Any reason to get the Open Access plan if all my doctors are in-network?
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