Cost Solutions for Smaller Employers*

For smaller companies, Cigna helps achieve immediate and sustainable savings. Our approach to better cost management involves:

Innovative Funding Options
Cigna offers a broad range of funding options for smaller companies. This includes a fully insured and two self-funding options. These are not big-company products repackaged, but are designed to meet the specific needs of the smaller employer. These funding options help businesses achieve immediate, as well as sustainable, savings.

Personalized health and wellness programs
Cigna’s personalized health and wellness programs help control costs and can result in long-term savings. We help smaller businesses save on the cost of health care with solutions designed to:

• Identify risks that negatively impact health, productivity and costs
• Motivate employees to adopt new behaviors and reduce their risk for illness and disease
• Improve health to minimize costs and maximize productivity

Understanding the needs of smaller businesses

Additionally, we’ll work with you to better understand your clients’ needs and determine the best health plan for them. Our approach involves:

• Analyzing health care costs. For example, self-funding clients can track exactly how and where their health care dollars are being spent through our health plan performance reports.
• Developing health insurance plan designs. We’ll explore health insurance plans with you to decide what design might work best for your client. For example, we might recommend a consumer-driven plan, which encourages employees to monitor costs or an emphasis on wellness programs for long-term savings.
• Providing health coaching and tools. Cigna offers the full suite of health coaching and wellness tools for your clients’ employees. We’re not just an insurance company, but a resource to help them ensure employee health.

Talk with your local Cigna sales representative to learn more about which health insurance cost reduction solutions work for small businesses.

View our complete list of Cigna insurance plans and services.

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