Flexibility and Choice for Smaller Businesses*

Cigna offers traditional and consumer-driven health plans, along with several options for funding those plans for smaller employers.

Funding options for smaller companies
Having a choice of different funding options for health and group insurance plans and services for smaller employers can make a big difference. Cigna offers a broad range of funding options that help achieve immediate-and sustainable-business health insurance cost savings, including:

Self-funding: control, insight and savings
Paired with an appropriate plan design, self-funding helps your clients better understand health care expenses and save directly on claims costs. Cigna's self-funding plans offer:

• Detailed reporting and insight into their health care expenses
• Flexibility to make adjustments for utilization trends

We offer two self-funding options, which are unique to the marketplace and designed specifically for smaller employers.

Level funding: know what you owe
If your client is looking for a self-funded health plan with financial predictability and protection, you'll appreciate the fixed monthly payments that come with level funding. And at the end of the plan year, if actual claims are lower than predicted, your client will receive a credit that can be used to pay future health plan costs.

Graded funding: pay as you go
If your client is looking for greater control of their self-funded plan design and more insight into how health care dollars are being spent, graded funding may be a good fit.

They pay for actual claims. If claims are lower than predicted, their company enjoys immediate savings. If claims are higher than expected, stop-loss insurance limits the company's financial exposure.

Fully insured: simplicity and predictability
Fully insured funding is ideal if your client is looking for the financial protection that comes from knowing their annual health care expenses. It's easy to understand. Plus, there are no surprises because a set monthly premium takes the guesswork out of health benefit costs.

Learn more about Cigna funding and health plan solutions
Contact your Cigna representative to learn more about our solutions

View our complete list of Cigna insurance plans and services.

*Cigna offers group health insurance coverage to employers with 51-250 employees as well as administrative services to employers with as few as 25 employees in most states.