Business Group Health Insurance Plans

Cigna Products and Services

Funding

Fully Insured
Under Cigna's Fully Insured plans, you pay fixed monthly premiums, and Cigna assumes the full liability for payment of covered claims. Rates are based on your claims experience or employee demographics. We guarantee rates for the premium year.

Self Funded

  • Graded Funding
    With Graded Funding, you pay as you go for actual claims. If your claims are lower than predicted, you'll enjoy immediate savings
  • Level Funding
    With Level Funding, you pay a fixed amount for the entire month, based on plan design and number of employees. If you end your plan year with less than predicted claims, you'll receive a credit that may be used to pay for future health plan costs

Contact your Cigna representative for more information.

Health and Wellness

Health Assessment and Health Coaches
Health assessments help employees identify the health issues they need to improve. Health coaching gives employees the consultation and tools they need to achieve their health-related goals, from losing weight and quitting tobacco, to reducing stress and getting a better night's sleep. When we learn what your employees need to improve their health and well-being, we can then direct them into a wide variety of wellness and care management programs, including:

  • Help with chronic or acute health conditions
  • Wellness programs
  • Disease management programs
  • Utilization programs

Contact your Cigna representative for more information.

Healthy Frontiers
Our Healthy Frontiers program makes a positive impact on the health and well-being of employees. The program combines awareness, education, action and support—powered by employer incentives—to improve health. With Healthy Frontiers, employers have access to:

  • Personal health coaching for people identified as high-risk
  • 24/7 Nurseline for quick answers via the phone
  • Ask-a-Nurse online resource for health questions
  • Online tools that guide people to change high-risk behaviors to improve health and decrease risks for serious health conditions
  • Structured opportunities to practice new behaviors and form healthy habits
  • Reporting and annual evaluation to help you keep the program fresh and effective
  • Ready-to-use promotional materials, including posters, email templates and fliers

Contact your Cigna representative for more information.

On-site Health
Offering on-site wellness programs is one of the most convenient, effective ways a company can help employees understand their health risks and make better choices. We offer our on-site health and wellness resources to all new and renewing Cigna clients with 250 or fewer employees.

Cigna's biometric screening package combines an individualized health screening and personalized health coaching to help employees take actions to improve their health, and ultimately, reduce overall medical costs. The benefits for employers include:

  • On-site biometric screening services that provide each participant with an individualized health report
  • Health assessments that can provide additional health information (not required for this initiative but highly recommended)
  • Consultative reporting that identifies company-wide health improvement opportunities, including recommendations to maintain or improve health risks

Contact your Cigna representative for more information.

Care Management Programs
For employees who need special assistance for chronic or acute health conditions, we recommend the care management programs that can help them improve their health. Cigna Care Management includes programs that help:

  • Individuals through specific health issues, such as a high-risk pregnancy or cancer treatment
  • Individuals with chronic health conditions, such as heart disease and diabetes, improve their health and lower their related costs

Contact your Cigna representative for more information.

Medical

Preferred Provider Organization (PPO)
Our PPO provides employees with a broad choice in hospitals and health care professionals through a nationwide network. Savings are greatest when employees and their covered dependents get in-network care. No referrals are necessary. The benefits include:

  • Quality and convenience
  • Customizable plan designs and funding options
  • No primary care physician (PCP) requirement
  • No referral requirement
  • Wellness features and disease management programs
  • Simplified administration and hassle-free service

Contact your Cigna representative for more information.

Open Access Plus (OAP)
Our Open Access Plus is a medical product solution for employers who desire choice and convenience, along with cost control. An OAP provides large discounts and access to Cigna's national network of health care professionals. Employees and their covered dependents have the option of choosing a primary care physician to help guide their care. No referrals are needed. The benefits include:

  • Competitive network discounts
  • Flexible plan designs and funding options
  • Cost control through customizable plan designs, which encourage the use of in-network health care professionals
  • Primary care physician (PCP) use encouraged
  • No referral requirement
  • Simplified administration and hassle-free service

Contact your Cigna representative for more information.


LocalPlus
Cigna's LocalPlus plan is a solution for employers who want to control cost without sacrificing quality or scope services. We offer access to a network of health care professionals, hospitals and facilities in select LocalPlus geographies. The benefits of choosing a Cigna LocalPlus include:

  • Highly competitive discounts in a more concentrated network
  • Flexible plan designs and funding options
  • Cost control through customizable plan designs, which encourage the use of in-network health care professionals
  • Primary care physician (PCP) use encouraged
  • No referral requirement
  • Simplified administration and hassle-free service

Contact your Cigna representative for more information.


Health Maintenance Organization (HMO)
Our HMO is a physician directed, participating health care professional-only plan, for employers concerned about costs. The benefits include:

  • Care directed by primary care physicians (PCPs) that can result in earlier intervention and better, more cost-effective outcomes
  • Referral requirement to see specialists
  • Wellness features and disease management programs

Contact your Cigna representative for more information.

Cigna Consumer Advantage
This plan is a three-tier PPO that offers affordable coverage by distinguishing between preventive, serious, and routine or scheduled services. The benefits include:

  • Coverage that individuals can understand because it includes the traditional deductibles, co-pays and coinsurance
  • Coverage based on a three-tiered approach that distinguishes between preventive, serious, and routine or scheduled services, which can lower costs
  • Health management services and programs
  • 24/7 access to our websites

 Our Cigna Consumer Advantage plans are only available on a self-funded basis.

Contact your Cigna representative for more information.

Consumer-Driven Health Plans

Cigna consumer-driven health plans deliver a true consumer-focused solution. We focus on shifting behaviors, not costs, to create active participants who are encouraged and rewarded for choosing quality care.

  • Health Reimbursement Account (HRA)
    Our Health Reimbursement Account covers employees through an account funded by employer contributions. Within the HRA, you can choose from innovative plan design options, including self-funding and fully-insured
  • Health Savings Account (HSA)
    Our Health Savings Account (HSA) allows the company and/or employees to fund a savings account that offers tax advantages and investment options. Employees can use savings to pay for qualified medical expenses, and unused funds will remain in their account year-to year. Also, you can choose from innovative compatible plan design options, including self-funding and fully-insured

Contact your Cigna representative for more information.

Pharmacy

We offer a choice of pharmacy plan designs that are both affordable and flexible. Each plan encourages the use of generic drugs that can reduce pharmacy costs.

Cigna Home Delivery PharmacySM
Cigna Home Delivery Pharmacy offers free delivery, refill reminder notices and one-click refills, a customer resolution team dedicated to resolving customer issues, and licensed pharmacists on call 24/7 to answer questions.

Exclusive or Incentivized Cigna Home Delivery Pharmacy benefit**

Clients can require (or strongly encourage through the use of incentives) customers who take maintenance medications to fill them through Cigna Home Delivery Pharmacy (after a certain number of fills).

**Available for all clients with self-funded (ASO) ERISA plans. Not available in all states for insured plans.

Contact your Cigna representative for more information. 

Clinical Programs to Help Improve Health Outcomes

CoachRx

CoachRx helps customers stay adherent to their medication therapy. It assists them in overcoming barriers through condition education, refill reminders, incentives and coaching with a pharmacist.

Gaps in Care

Gaps in Care focuses on adherence issues and other gaps in care for customers with specific chronic conditions. It includes outreach by health advocacy coaches, including case managers and disease management nurses. 

Medication Safety Management Program

This program addresses potential inappropriate use of narcotics and other controlled substances. We offer resources to doctors, including integration with behavioral health, disease management, a low back pain program and investigation support.

Contact your Cigna representative for more information.

Clinical Programs to Help Lower Pharmacy Costs

Clinical Edits

We offer flexibility for clients to choose their level of clinical management edits. This might include:

  • Benefit exclusion-enforces the limits of prescription drug benefits
  • Unit cost and utilization management-manages prescription cost and promotes cost-effective medication alternatives
  • Clinical appropriateness of use-promotes appropriate use of medications

 

Prospective and Concurrent Drug Utilization Review Edits

We offer a series of point-of-service screenings for which claim protocols are consistently applied to prevent risk and costly stock piling, including drug-disease interactions, drug-drug interactions, over-under utilization, therapeutic duplications, refill too soon, duplicate prescriptions, and gender, age and pregnancy edits.



  • Rx Savings Messenger
    Rx Savings Messenger educates customers about generic and lower cost preferred brands, as well as the benefits of filling prescriptions through Cigna Home Delivery Pharmacy. It shows real-time pricing based on customers' pharmacy plans and provides cost-saving solutions to cut down on the amount of mail sent to customers


  • Step Therapy
    Step Therapy promotes the use of cost-effective therapeutically appropriate medications, while still provides the flexibility to use brand-name medications when medically necessary. Our robust communication program for impacted customers and their doctors fosters conversion with little or no disruption in therapy

Contact your Cigna representative for more information.

Specialty Pharmacy Management
Covered individuals with Cigna Medical and Pharmacy coverage benefit from a holistic and seamless approach to managing their health condition. Employers benefit from our integrated reporting and aggressive unit cost discounts on all specialty drugs through Cigna Home Delivery Pharmacy, regardless of where they are administered. Our unique approach to treating chronic conditions can lower total health costs and improve health and productivity for these individuals.


TheraCare®
This is a targeted condition drug therapy program for customers using specialty medications for a number of chronic conditions. TheraCare helps customers better understand their condition, medication side effects and the importance of adherence. This program coordinates with other Cigna health coaching programs.


Contact your Cigna representative for more information.

Employer Experience

Stress-free Administration
Online tools let employers review and manage their company's eligibility, and easily view monthly invoices and other financial reports. A dedicated client services team is ready to quickly respond to and resolve any administrative issues.

Your Local Team
An experienced team of experts from implementation, client services and account management are ready to quickly respond and resolve administrative issues.

Nationwide Network
Cigna clients, and their employees and dependents can access our national network. We provide national discounts with access to quality health care services to millions of people across the country.

Claim Payment Speed and Accuracy
Paying claims quickly and correctly is a priority for Cigna.

Contact your Cigna representative for more information.

Customer Experience

24/7 Live Customer Service
Our customers can talk with a representative whenever it's convenient for them.

My Cigna Connections
Customer representatives are dedicated to helping employees find the wellness programs and health services that work for them.

My Personal Champion
A single point of contact coordinates information and services for employees who need a higher level of attention.

Online Assistance
Our personalized website helps employees make more informed decisions about their health and health spending.

Contact your Cigna representative for more information.

Cigna Proprietary Retail Exchange

Cigna's proprietary retail exchange is an online "marketplace" that is offered to employees through their employer.  Cigna's proprietary retail exchange can deliver the following:

Easy & Reliable Administration:  Simplified benefits administration with a standard shelf of Cigna Products including Medical and Pharmacy, Dental, Vision, Disability, Life and AD&D.  Separate Accident and Critical illness products will be available in early 2015.

Cost Control & Defined Contribution:  Savings can be achieved through multi-product bundling credits and Cigna's innovative self-funding Medical products.  Defined contribution financing is available for predictable employer costs.

Online Enrollment with More Customer Choice:  With our comprehensive set of products, Cigna's proprietary retail exchange empowers employees to elect the coverages that they want for themselves and their families.  To make the decision easier, we provide robust plan decision tools to help employees identify the specific plans that best meet their unique needs and budget. 

Sustainable Value Focused on the Customer:  Helps employees make educated decisions while offering great choice and an integrated experience.

Availability:
Cigna's proprietary retail exchange is currently available for Employers with 51 to 250 employees in the following geographies:

  • Atlanta, GA
  • Dallas / Fort Worth, TX
  • San Francisco /Oakland /San Jose, CA
  • Washington DC Metropolitan Area

 

Voluntary

Accidental Death and Dismemberment (AD&D) Insurance
Cigna's AD&D plan offers employees and their families financial protection in case of a covered accident. Benefits are payable upon death or serious injury, as well as living benefits for non-fatal catastrophic injuries. Our AD&D plans can include:

  • Cigna Secure Travel®Program1Provides emergency medical, financial, legal and communication assistance to customers when they travel domestically and internationally
  • Living Benefits- Applies to covered persons who suffer a non-fatal loss caused by a covered accident. The benefits include bereavement and trauma counseling, rehabilitation and home alteration and vehicle modification
  • Spouse and Dependent Benefits-Provides additional coverage for spouse/dependent-related needs, including a child care center and special education benefits
  • Occupational Related Benefits-Applies to employees who suffer a loss caused by a covered accident as a result of their job, including felonious assault and violent crime, HIV occupational accident and hepatitis C occupational accident

1Cigna Secure Travel® and Cigna Identity Theft and Secure Travel programs are provided under a contract with Europ Assistance USA, Inc. Presented here are highlights of these programs. Full terms, conditions and exclusions are contained in the Cigna Identity Theft and Secure Travel® service agreements.

 

Accidental Injury

Cigna's Accidental Injury insurance coverage is an affordable way to make up for expenses not covered by traditional insurance. In the event of a covered accident, it pays a lump sum cash benefit with no restrictions on how the money is used.

Critical Illness

Cigna's Critical Illness insurance coverage is an affordable way to offset a family’s out-of-pocket expenses due to a covered life changing health event. It pays a lump sum cash benefit with no restrictions on how the money is used.

In addition to any benefit-specific exclusions, benefits will not be paid for any Covered Injury or Covered Loss which, directly or indirectly, in whole or in part, is caused by or results from any of the following unless coverage is specifically provided for by name in the Description of Benefits Section:

1. intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane;

2. commission or attempt to commit a felony or an assault;

3. commission of or active participation in a riot or insurrection;

4. bungee jumping; parachuting; skydiving; parasailing; hang-gliding;

5. declared or undeclared war or act of war;

6. flight in, boarding or alighting from an Aircraft or any craft designed to fly above the Earth’s surface:

a. except as a passenger on a regularly scheduled commercial airline;

b. being flown by the Covered Person or in which the Covered Person is a member of the crew;

c. being used for:

i. crop dusting, spraying or seeding, giving and receiving flying instruction, fire fighting, sky writing, sky diving or hang-gliding, pipeline or power line inspection, aerial photography or exploration, racing, endurance tests, stunt or acrobatic flying; or

ii. any operation that requires a special permit from the FAA, even if it is granted (this does not

apply if the permit is required only because of the territory flown over or landed on);

d. designed for flight above or beyond the earth’s atmosphere;

e. an ultra-light or glider;

f. being used for the purpose of parachuting or skydiving;

g. being used by any military authority, except an Aircraft used by the Air Mobility Command or its foreign equivalent;

7. Sickness, disease, bodily or mental infirmity, bacterial or viral infection or medical or surgical treatment thereof, except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food;

8. travel in any Aircraft owned, leased or controlled by the Subscriber, or any of its subsidiaries or affiliates. An Aircraft will be deemed to be ''controlled'' by the Subscriber if the Aircraft may be used as the Subscriber wishes for more than 10 straight days, or more than 15 days in any year;

9. a Covered Accident that occurs while engaged in the activities of active duty service in the military, navy or air force of any country or international organization. Covered Accidents that occur while engaged in Reserve or National Guard training are not excluded until training extends beyond 31 days;

10. operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant including any prescribed drug for which the Covered Person has been provided a written warning against operating a vehicle while taking it. Under the influence of alcohol, for purposes of this exclusion, means intoxicated, as defined by the law of the state in which the Covered Accident occurred;

11. voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage;

12. in addition, benefits will not be paid for services or treatment rendered by a Physician, Nurse or any other person who is:

a. employed or retained by the Subscriber;

b. providing homeopathic, aroma-therapeutic or herbal therapeutic services;

c. living in the Covered Person’s household;

d. a parent, sibling, spouse or child of the Covered Person.

Contact your Cigna representative for more information.

Dental Insurance
Cigna Dental is the largest Dental Preferred Provider Organization (DPPO) in the nation2 to provide strong access and discounts on dental care costs. We offer a wide range of dental products and features to our customers. With all our voluntary benefits, we also offer a robust choice of administrative and enrollment services to help save employers time and make it easy for employees to enroll.

2NetMinder. DPPO data as of March 2013, including combined reported Cigna Dental Radius Network® and Dental Network Savings Program counts of unique dentists. Data is subject to change. The Ignition Group makes no warranty regarding the performance of data and the results that will be obtained by using.


Contact your Cigna representative for more information.

Disability Insurance
Cigna offers proactive stay-at-work services for employees who are at an increased risk of disabilities. If a disability happens, we provide employees with a portion of their paycheck, along with personalized return-to-work programs, so eligible employees can return to work quickly and safely. Our disability plans include:

  • Short-term Disability (STD)-Helps employees who suffer a temporary illness that leaves them out of work for a short time
  • Long-term Disability (LTD)-Offers employees protection if they are unable to work for an extended period of time
  • Mid-term Disability (MTD)-Provides a more affordable alternative to a combined STD and LTD offering

Contact your Cigna representative for more information.

Group Universal Life Insurance
Cigna Group Universal Life insurance can help employees with solid financial planning. It combines the protection of life insurance with the option to build additional cash value through contributions to a Cash Accumulation Fund (CAF)1. The benefits of choosing Group Universal Life Insurance include access to:

  • Coverage that is provided to customers through age 99
  • A guaranteed minimum interest rate of four percent on CAFs
  • Tax deferred treatment for amounts in CAFs, versus interest earned on a traditional savings account2
  • CAF funds can be used to pay life insurance premiums if the customer is unable to pay for them

Contact your Cigna representative for more information.

1Maximum contributions are based on Internal Revenue Code limits and are subject to a 2% premium charge.

2There may be a tax liability if withdrawn amounts from a CAF exceed the amount of total contributions.

 
Term Life Insurance 
Life insurance is an essential part of financial planning. With Cigna life insurance, customers can help provide their families with financial protection by selecting life plans that will provide financial resources for them to carry on. For employers, the benefits include:

 

  • Working with Cigna, a recognized provider of employee benefits with more than 90 years in life business
  • A broad portfolio with value-added programs that support health and wellness, protect what's important and help plan for the future
  • Convenient tools and services for easy administration of both employer-paid and employee-paid plans

Contact your Cigna representative for more information.

Vision Insurance
Cigna Vision is a cost-effective vision benefit solution with in- and out-of-network coverage through one of the nation's largest routine vision networks2. It offers access to quality eye care professionals and 24/7 claim, eligibility and customer service. With all our voluntary benefits, we also offer a robust choice of administrative and enrollment services to help save employers time and make it easy for employees to enroll.

The benefits of choosing Cigna Vision include:

  • Eye care professionals that are 100 percent credentialed to National Committee for Quality Assurance (NCQA) guidelines
  • Private practice Cigna Vision eye care professionals that are combined with our medical networks, ensuring no disruption in care for customers with routine and medical eye care needs
  • Savings on out-of-pocket expenses by visiting in-network eye care professionals
  • Through the Vision Network Savings Program, access to savings for additional vision-related purchases when customers visit a Cigna Vision eye care professional

Contact your Cigna representative for more information.


2Cigna's Vision Competitive Landscape, June 2011.

Global

 Core Product Offering

  • Cigna Global Health Benefits® Group Medical Plans (Short and Long-term Assignments)
    Cigna offers a range of medical programs for globally mobile group customers. We offer flexible benefit designs, global networks of health care professionals, real-time guarantees of payment and more
  • Individual Medical Plans
    Our Cigna Global Health Options® Individual Medical Plans can work well for globally mobile individuals and their families. Customers can build a plan that’s tailored to their personal situations. They can also select from optional benefits
  • International Business Travel
    We offer group plans designed for international business travelers. These plans provide medical benefits for unexpected illnesses or injuries that may occur while a customer is on a company-authorized business trip outside their home country or country of permanent assignment

Value-added products and services

  • Pharmacy
    Cigna Global Health Benefits offers Cigna Pharmacy Management services, allowing for several options when getting prescription drugs in the United States. We also offer pharmacy benefits and services outside the United States.
  • Dental
    Cigna's dental products can provide employees with discounted access to preventive care and a broad range of other dental services and coverage options. 
  • Vision
    We offer optional vision programs, which can include access to routine eye exams and allowances for frames and lenses.
  • Long-Term Disability (LTD)
    Our long-term disability products pay a portion of an employee’s income to help provide financial protection for globally mobile customers during a covered disability. We actively monitor each case and promote the employee's return to work.
  • Life / Accidental Death and Dismemberment*
    We offer employers Group Term Life plans, along with accidental death and dismemberment (AD&D) coverage. This coverage is available to groups with as few as two employees. We offer several product options
  • Emergency Evacuation and Repatriation / Emergency Assistance
    We offer optional emergency assistance services to help employees have peace of mind when on assignment overseas. Employees can receive access to emergency evacuation and  medical assistance services to help them in an emergency situation and return to his or her home country.
  • Global Wellness Products and Services
    We offer health and well-being assessments, targeted risk assessments and online health improvement programs as part of our global wellness solutions. In addition, we offer Employee Assistance Program products and services.

Insurance Products and Services for Globally Mobile Employees
View the Cigna Global Health Benefits website for more information.

Other

Accidental Death and Dismemberment (AD&D)
AD&D insurance helps protect families from financial hardship by paying a specified benefit amount upon death or serious injury due to a covered accident. AD&D coverage from Cigna includes employer-paid and employee-paid options, as well as business travel protection. The benefits of choosing Cigna AD&D insurance include:

  • Protection for when accidents happen. Accidents are the leading cause of death for people age one to 541
  • Living benefits such as dismemberment, paralysis and coma
  • Filling critical gaps in coverage and unexpected expenses not covered by other insurance benefits such as life, disability, health or workers’ compensation
  • Guarantee issue coverage-no medical underwriting is required
  • Coverage for spouses and children with affordable, high limit protection
  • Additional coverage for unexpected costs, such as home and vehicle modification, physical therapy and rehabilitation, and even spouse job training and child care
  • The Cigna Secure Travel2 at no additional cost-which provides emergency medical, financial, legal and communication assistance to individuals when they travel domestically and internationally

1Injury Facts, 2010 edition

2Cigna Secure Travel® and Cigna Identity Theft and Secure Travel programs are provided under a contract with Europ Assistance USA, Inc. Presented here are highlights of these programs. Full terms, conditions and exclusions are contained in the Cigna Identity Theft and Secure Travel® service agreements.

 

Accidental Injury

Cigna's Accidental Injury insurance coverage is an affordable way to make up for expenses not covered by traditional insurance. In the event of a covered accident, it pays a lump sum cash benefit with no restrictions on how the money is used.

Critical Illness

Cigna's Critical Illness insurance coverage is an affordable way to offset a family’s out-of-pocket expenses due to a covered life changing health event. It pays a lump sum cash benefit with no restrictions on how the money is used.

In addition to any benefit-specific exclusions, benefits will not be paid for any Covered Injury or Covered Loss which, directly or indirectly, in whole or in part, is caused by or results from any of the following unless coverage is specifically provided for by name in the Description of Benefits Section:

1. intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane;

2. commission or attempt to commit a felony or an assault;

3. commission of or active participation in a riot or insurrection;

4. bungee jumping; parachuting; skydiving; parasailing; hang-gliding;

5. declared or undeclared war or act of war;

6. flight in, boarding or alighting from an Aircraft or any craft designed to fly above the Earth’s surface:

a. except as a passenger on a regularly scheduled commercial airline;

b. being flown by the Covered Person or in which the Covered Person is a member of the crew;

c. being used for:

i. crop dusting, spraying or seeding, giving and receiving flying instruction, fire fighting, sky writing, sky diving or hang-gliding, pipeline or power line inspection, aerial photography or exploration, racing, endurance tests, stunt or acrobatic flying; or

ii. any operation that requires a special permit from the FAA, even if it is granted (this does not

apply if the permit is required only because of the territory flown over or landed on);

d. designed for flight above or beyond the earth’s atmosphere;

e. an ultra-light or glider;

f. being used for the purpose of parachuting or skydiving;

g. being used by any military authority, except an Aircraft used by the Air Mobility Command or its foreign

equivalent;

7. Sickness, disease, bodily or mental infirmity, bacterial or viral infection or medical or surgical treatment thereof, except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food;

8. travel in any Aircraft owned, leased or controlled by the Subscriber, or any of its subsidiaries or affiliates. An Aircraft will be deemed to be ''controlled'' by the Subscriber if the Aircraft may be used as the Subscriber wishes for more than 10 straight days, or more than 15 days in any year;

9. a Covered Accident that occurs while engaged in the activities of active duty service in the military, navy or air force of any country or international organization. Covered Accidents that occur while engaged in Reserve or National Guard training are not excluded until training extends beyond 31 days;

10. operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant including any prescribed drug for which the Covered Person has been provided a written warning against operating a vehicle while taking it. Under the influence of alcohol, for purposes of this exclusion, means intoxicated, as defined by the law of the state in which the Covered Accident occurred;

11. voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage;

12. in addition, benefits will not be paid for services or treatment rendered by a Physician, Nurse or any other person who is:

a. employed or retained by the Subscriber;

b. providing homeopathic, aroma-therapeutic or herbal therapeutic services;

c. living in the Covered Person’s household;

d. a parent, sibling, spouse or child of the Covered Person.

Contact your Cigna representative for more information.

Dental Insurance Coverage
We offer a range of dental products and features to meet the specific needs of smaller-sized clients. From a non-insurance discount dental program to the largest Dental PPO in the nation and plans in between, we can provide strong access and discounts on dental care costs3.

3NetMinder. DPPO data as of March 2013, including combined reported Cigna Dental Radius Network® and Dental Network Savings Program counts of unique dentists. Data is subject to change. The Ignition Group makes no warranty regarding the performance of data and the results that will be obtained by using.


Contact your Cigna representative for more information.

Disability Insurance Coverage
Cigna's disability management model combines early identification and intervention, case management and extensive return-to-work support to help prevent and reduce costly lost-time events. In addition, Cigna's disability plan offers:

  • Quick short-term disability (STD) claim decisions to help employees replace a portion of their lost income
  • Robust stay-at-work and vocational rehabilitation services to help employees who are able to work remain on the job and productive
  • Value-added programs, such as chronic condition support, will preparation and identify theft protection for peace of mind

Contact your Cigna representative for more information.

Term Life Insurance 
Life insurance is an essential part of financial planning. With Cigna life insurance, customers can help provide their families with financial protection by selecting life plans that will provide the continued financial resources for them to carry on. For employers, the benefits include:

  • Working with Cigna, a recognized provider of employee benefits with more than 90 years in life business
  • A broad portfolio with value-added programs that support health and wellness, protect what’s important and help plan for the future
  • Convenient tools and services for easy administration of both employer-paid and employee-paid plans

Contact your Cigna representative for more information.

Vision Insurance Coverage
Our vision coverage is a cost-effective vision benefit solution with in- and out-of-network coverage through one of the nation's largest routine vision networks4. It offers access to quality eye care professionals and 24/7 claim, eligibility and customer service. Benefits for employers include:

  • A range of benefit plans with options for funding (self-funded and fully-insured)
  • Voluntary offerings
  • A national, fully-credentialed network of eye care professionals, including national and regional retail opticals, private practice optometrist and ophthalmologist offices
  • Hassle-free administration, with one monthly statement, one eligibility file and one account manager for all your Cigna Healthcare products including vision, medical and dental coverage

Contact your Cigna representative for more information.


4Cigna's Vision Competitive Landscape, June 2011.

Products and Services for Medium-Size Employers
Cost Management

Cost Containment Programs
Cigna's cost containment programs can provide more medical savings to our clients and customers. To help lower costs, we offer:

Complex Claim Review
Complex Claim Review is a coding and billing review program done on a pre-pay basis. It helps ensure doctors and other health care professionals submit reasonable, accurate and appropriate charges for the services and supplies they provide.

Out-of-Network Cost Containment Programs (Network Savings Program (NSP) and Bill Negotiation Services (BNS))


Our out-of-network cost containment programs give employees and their families access to a supplemental network of out-of-network hospitals, health care facilities and doctors who offer services at discounted rates. These discounts lower out-of-pocket and claim costs without requiring benefit plan or administration changes. These programs are used in combination with the employer's maximum reimbursable charge.


Our Out-of-Network Containment Programs offer:


  • Access to a supplemental network of health care professionals who are not part of the Cigna network but who provide out-of-network care at discounted rates
  • Lower out-of-pocket expenses for people when they receive covered services from these out-of-network health care professionals
  • Lower out-of-network claim costs for employers when their employees use out-of-network health care professionals
  • Fully integrated and automated benefit administration

Post Pay Audit Recovery Programs

Cigna's post payment programs review medical bills to determine the reasonableness, appropriateness and accuracy of charges. These programs can help employers and employees save on their health care costs.


Maximum Reimbursable Charge (Out-of-Network Benefits)
The maximum reimbursable charge (MRC) benefit helps employers manage out-of-network medical costs. MRC represents the maximum amount under the medical plan that Cigna will pay an out-of-network health care professional for a covered service. For employers, MRC:

  • Helps keep health benefits more affordable by lowering unit costs
  • Includes all charges (health care professional and health care facility) at a greater discount
  • Reduces exposure to unnecessary billing by out-of-network health care professionals
  • Improves in-network use by providing a strong financial incentive for employees to use participating health care professionals and hospitals
  • Drives greater incentives for health care professionals and hospitals to join the Cigna network

Contact your Cigna representative for more information.

Customer Experience

24/7 Live Customer Service
Our customers can talk with a representative whenever it's convenient for them.

Explanation of Benefits (EOB)
We provide each customer with a quick summary of recent claim activities. It's easy for them to see what's been paid and what's owed. The Cigna Explanation of Benefits ranked third among national health plans with an excellent designation for clarity, content and design in an evaluation by DALBAR, Inc.1

MyCigna.com
With myCigna.com, registered users can quickly view coverage, monitor claims, find doctors, research health issues and enjoy wellness programs.

Clear Communication
We've developed customer interaction guidelines, including the use of easy-to-understand words, to help make sure our customer communication is as clear as possible.

Contact your Cigna representative for more information.

1DALBAR, Inc., [2013] Explanation of Benefits Statements Rankings.

Dental Coverage

Dental Health Maintenance Organization (DHMO)1
The Cigna Dental Care® DHMO is the largest Dental HMO network in the nation2 and offers 75% savings off average area charges3 with 40% lower premiums4, on average, than a Cigna Dental PPO. There’s a DHMO plan option to help meet any client's needs, with features like surgical implant coverage5, coinsurance customer out-of-pocket payment, discounts and more. Most preventive procedures are covered at no charge5, which supports our focus on prevention. And with teeth whitening coverage (take-home bleaching with gel trays), the ability to offer up to four cleanings a year, coverage for crowns/bridges over implants5, coverage for athletic mouth guards5, ID theft resolution services6, a Dental Information Line, and other value-added features, Cigna's DHMO plans are designed to offer a great customer experience.


Contact your Cigna representative for more information.

Dental Preferred Provider Organization (DPPO)
Cigna's Dental PPO lets customers choose any dentist, in- or out-of-network. Coverage includes most preventive procedures at low or no cost, and individuals don’t need a referral to see specialists.7 Cigna's Dental PPO is designed with network flexibility to help meet any employer’s benefit strategy:

  • Largest Dental PPO in the nation8, with customizable in- and out-of-network discount configurations
  • Dental Network Savings Program (DNSP) gives customers access to a supplemental listing of dentists who aren’t part of the Cigna networks, but who provide out-of-network care at a discounted rate9
  • A projected 4% higher net effective discount than the industry by 201410
  • Customizable plan designs with numerous cost-saving features
  • Multiple funding options :
  • Cigna's network is expected to grow by 85% from 2009 to 2014.11 Cigna is currently contracted with 68%12 of active dentists and plans to be contracted with 80% of active dentists in 2014 with a goal of 90% by 201611

Contact your Cigna representative for more information.

Dental Exclusive Provider Organization (DEPO)
The Cigna Dental EPO provides the flexibility of broad network access with in-network only coverage. Customers will be reimbursed for all or part of their costs for covered procedures, up to the annual dollar maximum, and after meeting a deductible and/or satisfying any waiting periods. Coverage includes most preventive procedures at low or no cost, and individuals don’t need a referral to see specialists.7


For employers, the benefits of choosing DEPO include:

  • Two network options, including Cigna Dental Radius Network®, which is ideal for employers where network size is the primary driver. The second network is Cigna Dental Core Network, which is ideal for employers looking for a strong balance between network access and dentist discounts
  • Dental Network Savings Program (DNSP) gives customers access to a supplemental network of dentists who are not part of the Cigna networks but who provide out-of-network care at a discounted rate9
  • Customizable plan designs with numerous cost-saving features13
  • Multiple funding options:

Contact your Cigna representative for more information.

Dental Indemnity
Cigna Traditional is our dental indemnity-style plan. Since there are no networks associated with Cigna Traditional, customers can visit any dentist or specialist they choose, without a referral. Coverage includes most preventive and diagnostic services.7 For all covered services individuals pay a set coinsurance amount, and since there are no negotiated network discounts, they may pay the difference between coinsurance and the dentists' usual charges. Benefits of choosing this plan include:

  • Customizable plan designs with numerous cost-saving features13
  • A Dental Network Savings Program that gives customers access to dentists who are not a part of the Cigna network, but who provide care at a discounted rate9
  • Multiple funding options:

Contact your Cigna representative for more information.

CignaFlex Advantage®
CignaFlex Advantage lets customers switch monthly between our Cigna Dental Care (DHMO) plan and either the Cigna Dental PPO or the Cigna Traditional indemnity plans—with no additional administrative work options for clients. There are three options available to meet clients' needs, including Cigna Managed Switch, Client Managed Switch and Client/Cigna Managed Switch.

Contact your Cigna representative for more information.


CignaPlus Savings®14
CignaPlus Savings is a discount dental program—not an insurance product.This program is designed to meet the needs of employers looking to offer dental care to anyone who's ineligible for traditional insurance coverage, such as part-time employees, seasonal employees or retirees. It's a cost-effective option that gives customers access to dental care services at discounted rates.

Contact your Cigna representative for more information.

Cigna Dental Oral Health Integration Program
®
The Cigna Dental Oral Health Integration Program is available to all dental customers because better oral health may contribute to better overall health. Cigna dental customers who have any of the medical conditions below qualify for 100 percent reimbursement of out-of-pocket costs for certain related dental procedures15. There's no additional charge for the program-those who qualify get reimbursed.16

  • Diabetes
  • Maternity
  • Heart Disease
  • Stroke
  • Head and neck cancer radiation
  • Organ transplants
  • Chronic kidney disease

The Cigna Dental Oral Health Integration Program goes beyond typical dental coverage and offers:

  • More savings. Program participants get discounts on certain prescription dental products through Cigna Home Delivery PharmacySM-regardless of their pharmacy carrier
  • More wellness. Participants can choose to get information on how behavioral issues are linked to oral health. These articles are designed to help program participants overcome these behaviors so they can improve their oral and overall health

Contact your Cigna representative for more information.

Some plans and plan features may not be available in all states. Actual plan coverages will vary based on plan design, location and funding type. All plans and insurance policies contain exclusions and limitations which are more fully set forth in the applicable plan documents. Cigna dental insurance plans and administrative services are offered by Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company, or their affiliates.



1The term “DHMO” is used to refer to product designs that may differ by state of residence of enrollee, including but not limited to, prepaid plans (Oklahoma, et al), managed care plans, and plans with open access features (OK and MN, et al). The Cigna DHMO is not available in the following states: AK, HI, ME, MT, NH, NM, ND, PR, RI, SD, VI, VT, WV, and WY. For the DHMO company name and other information for your particular state, see Cigna Companies by State. Terms and conditions of coverage are set forth in DHMO policy forms GM6000 DEN201V1* (CGLIC) and HP-POL115* (CHLIC), and DPPO policy forms GM6000 ELI288* et al (CGLIC) and HP-POL99* (CHLIC) (*actual number may vary by state).


2Source: NetMinder. DHMO data as of March 2013 and is subject to change. The Ignition Group makes no warranty regarding the performance of the data and the results that will be obtained by using.


3The national average charges used in the calculation are based on a combination of Cigna and FAIR Health claim data projected to 7/1/2013 using a 3% annual cost trend. Calculation assumes customer out-of-pocket savings with Cigna DHMO plan versus no dental insurance coverage.


42012 Cigna Dental book of business; clients who offer both DHMO and DPPO have on average 40% lower DHMO premiums than their DPPO premiums.


5Individuals must receive services through their network general dentist for coverage to apply, except in emergencies. Prior authorization may be required for certain specialty care treatments. Only those procedures that are medically necessary and listed on the plan’s Patient Charge Schedule (PCS) are covered. Services related to the surgical placement of a dental implant are limited to one per year with replacement of a surgical implant frequency limitation of one every 10 years. The frequency limitations of certain other covered services are set forth in the PCS. The following are excluded from coverage unless otherwise listed on the PCS or required by law: (a) Experimental and cosmetic dentistry; (b) Treatments or surgery if associated with a poor or hopeless diagnosis; (c) Recementation of crowns, inlays and onlays, post and cores, and veneers within 180 days of initial placement; (d) Crowns, bridges and implant supported prosthesis used solely for splinting; and (e) Work already in progress for crowns, bridges, dentures, root canal treatment, or implant supported prosthesis. A complete list of your plan’s terms, including exclusions and limitations, is set forth in the applicable plan documents.


6Cigna's Identity Theft services are provided under contract with Europ Assistance USA. Full terms are contained in Cigna's Identity Theft Program service agreement.


7Routine exams and X-rays are limited to 2 per calendar year. Waiting periods may apply to basic restorative, major restorative, and orthodontic services and are more fully set-forth in the group insurance certificate or group service agreement.


8NetMinder. DPPO data as of March 2013, including combined reported Cigna Dental Radius Network® and Dental Network Savings Program counts of unique dentists. Data is subject to change. The Ignition Group makes no warranty regarding the performance of data and the results that will be obtained by using.


9Dental Network Savings Program (DNSP) is a discount savings program and is not insurance. DNSP is included as a standard feature but availability may vary and is subject to change. This program enables plan participants to receive discounts for out-of-network services received from a dentist participating in the DNSP. Not all providers that participate in DNSP are part of our DPPO network or credentialed by Cigna. Dentists who participate in the Cigna Network or DNSP are independent contractors solely responsible for treatment provided. DNSP is not available in the following states: AK, CA, ID, IA, MT, NM (not available for indemnity clients), ND, RI, SD and WY.


102014 industry projection based on actual 2011 Ruark Discount Study industry results projected to 2014. Industry projections for 2014 reflect a 2% effective discount growth, based on historical industry trends.


112013-2016 Cigna projections are based on previous recruitment and competitive positioning in the industry. Competitive positioning is measured using NetMinder data as of March 2013 program counts of unique dentists. Data is subject to change. The Ignition Group makes no warranty regarding the performance of the data and the results that will be obtained by using it.


12As of June 2013.


13Options include: varying deductibles, coinsurance levels, maximums, stricter exclusion & limitation language, procedural class-shifting, benefit waiting periods, WellnessPlus plans, etc.


14CignaPlus Savings is a dental discount program that provides members access to discounted fees, pursuant to schedules negotiated by Cigna Dental with participating providers, which members are responsible for paying in full, directly to participating providers. Although all participating providers go through a credentialing process to assure that they are appropriately licensed and qualified, Cigna Dental does not otherwise guarantee nor is it responsible for the quality of any services or products purchased by members. This program is not available in all states. A discount program is NOT insurance, and the member must pay the entire discounted charge.

15 The Cigna Dental Oral Health Integration Program offers 100% reimbursement for out-of-pocket costs for certain related dental procedures, subject to the following limitations: coverage for periodontal maintenance is limited to 4 per year during active therapy; customers undergoing treatment for chronic kidney disease, organ transplants, or head/neck cancer radiation receive coverage for topical fluoride application and varnish, and dental sealants (age limits removed, other plan limitations may apply); maternity patients receive coverage for one additional oral evaluation and cleaning during their pregnancy term. All other plan exclusions and limitations apply.


16Deductible does not apply. Reimbursement counts toward maximum for DPPO/indemnity plans. Program exclusions and limitations apply.

Disability/Life/Accident Insurance Coverage

Accidental Death and Dismemberment (AD&D)
AD&D insurance helps protect families from financial hardship by paying a specified benefit amount upon death or serious injury due to a covered accident. AD&D coverage from Cigna includes employer-paid and employee-paid options, as well as business travel protection. The benefits of choosing Cigna AD&D insurance include:

  • Protection for when covered accidents happen. Accidents are the leading cause of death for people age one to 541
  • Available living benefits such as dismemberment, paralysis and coma
  • Filling critical gaps in coverage and unexpected expenses not covered by other insurance benefits, such as life, disability, health or workers' compensation
  • Guarantee issue coverage-no medical underwriting is required
  • Coverage for spouses and children with affordable protection
  • Additional coverage available for unexpected costs, such as home and vehicle modification, physical therapy and rehabilitation, and even spouse job training and child care
  • Cigna Secure Travel2 services-at no additional cost to employees, providing emergency medical, financial, legal and communication assistance to people when they travel domestically and internationally

1Injury Facts, 2010 edition.

2Cigna Secure Travel® and Cigna Identity Theft and Secure Travel programs are provided under a contract with Europ Assistance USA, Inc. Presented here are highlights of these programs. Full terms, conditions and exclusions are contained in the Cigna Identity Theft and Secure Travel® service agreements.

 

Accidental Injury

Cigna's Accidental Injury insurance coverage is an affordable way to make up for expenses not covered by traditional insurance. In the event of a covered accident, it pays a lump sum cash benefit with no restrictions on how the money is used.

Critical Illness

Cigna's Critical Illness insurance coverage is an affordable way to offset a family’s out-of-pocket expenses due to a covered life changing health event. It pays a lump sum cash benefit with no restrictions on how the money is used.

In addition to any benefit-specific exclusions, benefits will not be paid for any Covered Injury or Covered Loss which, directly or indirectly, in whole or in part, is caused by or results from any of the following unless coverage is specifically provided for by name in the Description of Benefits Section:

1. intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane;

2. commission or attempt to commit a felony or an assault;

3. commission of or active participation in a riot or insurrection;

4. bungee jumping; parachuting; skydiving; parasailing; hang-gliding;

5. declared or undeclared war or act of war;

6. flight in, boarding or alighting from an Aircraft or any craft designed to fly above the Earth’s surface:

a. except as a passenger on a regularly scheduled commercial airline;

b. being flown by the Covered Person or in which the Covered Person is a member of the crew;

c. being used for:

i. crop dusting, spraying or seeding, giving and receiving flying instruction, fire fighting, sky writing, sky diving or hang-gliding, pipeline or power line inspection, aerial photography or exploration, racing, endurance tests, stunt or acrobatic flying; or

ii. any operation that requires a special permit from the FAA, even if it is granted (this does not

apply if the permit is required only because of the territory flown over or landed on);

d. designed for flight above or beyond the earth’s atmosphere;

e. an ultra-light or glider;

f. being used for the purpose of parachuting or skydiving;

g. being used by any military authority, except an Aircraft used by the Air Mobility Command or its foreign

equivalent;

7. Sickness, disease, bodily or mental infirmity, bacterial or viral infection or medical or surgical treatment thereof, except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food;

8. travel in any Aircraft owned, leased or controlled by the Subscriber, or any of its subsidiaries or affiliates. An Aircraft will be deemed to be ''controlled'' by the Subscriber if the Aircraft may be used as the Subscriber wishes for more than 10 straight days, or more than 15 days in any year;

9. a Covered Accident that occurs while engaged in the activities of active duty service in the military, navy or air force of any country or international organization. Covered Accidents that occur while engaged in Reserve or National Guard training are not excluded until training extends beyond 31 days;

10. operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant including any prescribed drug for which the Covered Person has been provided a written warning against operating a vehicle while taking it. Under the influence of alcohol, for purposes of this exclusion, means intoxicated, as defined by the law of the state in which the Covered Accident occurred;

11. voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage;

12. in addition, benefits will not be paid for services or treatment rendered by a Physician, Nurse or any other person who is:

a. employed or retained by the Subscriber;

b. providing homeopathic, aroma-therapeutic or herbal therapeutic services;

c. living in the Covered Person’s household;

d. a parent, sibling, spouse or child of the Covered Person.


Contact your Cigna representative for more information.

Disability Insurance Coverage

Cigna's disability management model combines early identification and intervention, comprehensive case management and extensive return-to-work support to help prevent and reduce costly lost-time events. In addition, integration with our robust Family and Medical Leave Act (FMLA) absence management, and medical and health coaching programs offer employers a holistic approach. Cigna disability insurance coverage offers:

  • Quick short-term disability (STD) claim decisions to help employees replace a portion of their lost income
  • Robust stay-at-work and vocational rehabilitation services to help employees who are able to work remain on the job and productive
  • An integrated, holistic approach, with a focus on minimizing avoidable absences
  • Value-added programs, such as chronic condition support, will preparation and identify theft protection3

Contact your Cigna representative for more information.

Group Universal Life Insurance
Cigna Group Universal Life insurance can help employees with solid financial planning. It combines the protection of life insurance with the option to build additional savings through a Cash Accumulation Fund (CAF).1 It is available with employers with 500 or more employees. The benefits of choosing Group Universal Life Insurance include:

  • A guaranteed minimum interest within 30 days of joining
  • Coverage that is provided to employees through age 99
  • Tax deferred, treatment of amounts in CAFs, versus interest earned on a traditional savings account2

Contact your Cigna representative for more information.

1Maximum contributions are based on Internal Revenue Code limits and are subject to a 2% premium charge.

2There may be a tax liability if withdrawn amounts from a CAF exceed the amount of total contributions.


Term Life Insurance
Like savings, investments and homeownership, life insurance is an essential part of financial planning. With Cigna life insurance, customers can help provide their families with financial protection by selecting life plans that will provide the continued financial resources for them to carry on. For employers, the benefits include:

  • Working with Cigna, a recognized provider of employee benefits with more than 90 years in life business
  • A broad portfolio with value-added programs that support health and wellness, protect what's important and help plan for the future
  • Convenient tools and services for easy administration of both employer-paid and employee-paid plans

Contact your Cigna representative for more information.

Enrollment Technology

Choicelinx
Choicelinx® delivers web-based enrollment tools. Employers can streamline their administrative process, reduce cost and offer a personalized enrollment experience. The benefits of choosing Choicelinx include:

  • A continual review and enhancement of our enrollment solutions to meet market trends, and most importantly, the needs of our customers
  • A secure and innovative solution

To learn more, visit choicelinx.com.

Funding Arrangements for Health Care

Cigna offers a broad range of funding solutions to finance your benefits plan and help address your specific cash flow and risk protection needs.

Fully Insured
Under Cigna's fully insured plans, you have full protection for covered claims. A fixed, monthly premium allows for predictable expenses that are easy to budget.

Contact your Cigna representative for more information.

Self Funded
Under self-funding (also known as administrative services only), you fund the claims, and Cigna provides the plan administration. If claims are lower than expected, you realize immediate savings. We also offer stop loss insurance coverage options to provide you with protection for high claims.

Contact your Cigna representative for more information.

Participating Funding
Shared Returns®, Cigna's insured participating funding options, provide full protection for covered claims, cash flow advantages and the ability to participate in your claim experience. Plus, you'll receive complete reporting with a year-end settlement of premium and claim costs.

There are two types of Shared Returns:

Shared Returns Fully Insured
With Shared Returns Fully Insured, you have complete protection from high claim costs and predictable expenses that are easy to budget. Low claims can earn you a credit at the end of the plan year.

Shared Returns Minimum Premium
With Shared Returns Minimum Premium, you have lower monthly payments and premium tax savings. You fund claims as they occur and have increased cash flow.

Contact your Cigna representative for more information.

Health and Wellness

Health Foundations
Cigna can help build a foundational health coverage plan that will meet the health needs of your workforce.

Health Assessment
Cigna's health assessment includes the University of Michigan Health Management Resource Center health assessment and exclusive access to its proprietary Trend Management System(SM). This gives Cigna the unique ability to analyze how current health risks impact future health status, costs, productivity and disability. Using information from our health assessment, we are able to help our clients address, reduce and reverse health risks with the support of our health coaching interventions, including online coaching and clinical programs.

Our health assessment service helps employers:

  • Predict two to three years out, with 83 percent accuracy, which individuals will become the next high users of health care services based on their unique risk combinations1
  • Identify the most appropriate health strategies to support the population
  • Monitor and evaluate an employee population's health, health changes and engagement of health management programs over time
  • Analyze current health risks and their impact on future health status, costs, productivity and disability

Personal Health Solutions
Cigna's personal health solutions can improve health and productivity, and lower costs for populations with acute health care needs, such as hospitalization and/or significant outpatient treatment. The Utilization Review Accreditation Commission (URAC) and/or the National Committee for Quality Assurance (NCQA) have accredited our programs. In addition, the programs are guided by evidence-based guidelines.


Well Informed-Gaps In Care
The Cigna Well Informed program uses medical, pharmacy and laboratory data to proactively identify and address customers' gaps in care. Gaps in care occur when people don't receive, or adhere to, medical care that is consistent with medically-proven guidelines for prevention and treatment. This can result in more serious illnesses and additional costs for customers and employers.


Well Informed helps employers:

  • Identify and communicate gaps to members and providers
  • Create greater health awareness among employees and effective interactions with doctors
  • Improve health, productivity and quality of life for employees
  • Reduce costs

Health Screenings
Health screenings give participants a convenient way to assess their current health status. They also help clients identify health risks in their employee population. Cigna offers a variety of health screenings at the worksite, including blood pressure, glucose testing, body mass index and cholesterol testing. Post-screening health coaching services are also available.


24-Hour Health Information Line
The health information line is a 24/7 resource that provides live support from a nurse about general health conditions and their symptoms. Nurses also help determine the appropriate level of care. Depending on the service purchased, employees may also listen to hundreds of podcasts on almost any health topic.

Employee Assistance Program (EAP)
Cigna's Employee Assistance Program helps deliver the support employees and employers need to better manage work and life issues so they can manage their health, stay focused and productive. The service is designed to meet the personal assistance needs of employees and managers, and the organizational needs of businesses. Depending on the services purchased, support is available via:

  • Telephone
  • Online
  • Face-to-face at the worksite or via a referral to a mental health professional

Mental Health and Substance Abuse
Almost every employee can benefit from integrated behavioral health services. By increasing the use of behavioral services across your organization, you can help decrease overall medical and behavioral expenses.


Contact your Cigna representative for more information.


Health Focus
We can provide the products and services that can help healthy people avoid risks, at-risk people reduce risks, people with chronic conditions control risks, and people with acute conditions resolve risks.

Health Focus: Time-Sensitive Needs
For those with time-sensitive needs, our service focuses first on those who need to or have spent time in the hospital-helping them get the support they need and make the most of their coverage.

  • Health Advisor-Personal Health Team
    Cigna offers health coaching for healthy and at-risk populations to help customers reduce risks related to cholesterol, blood pressure, nutrition, physical activity and pre-diabetes. Health coaches also provide valuable information to help customers make treatment decisions and close gaps in their care. The team helps to improve productivity, and reduce wage and benefit costs by improving employee health, and preventing future illnesses and their expenses
  • Cigna Healthy Pregnancies, Healthy Babies®
    While most women have healthy, uncomplicated pregnancies, others may need specialized support to deliver healthy babies. Cigna Healthy Pregnancies, Healthy Babies can give women the support they need to have healthier pregnancies and deliveries

Contact your Cigna representative for more information.


Health Focus: Ongoing Care
For those requiring ongoing care, we offer services to help them live better with their condition. Cigna offers:

Your Health FirstSM
Health coaching focuses on the entire health needs of people with chronic conditions, such as diabetes, asthma, depression, back pain, cardiac conditions and more. Health coaching can help reduce health risks related to tobacco, weight, stress, cholesterol and blood pressure. Depending on the services purchased, we deliver health coaching through:

  • Telephone
  • Online
  • Face-to-face at the worksite

Cigna Cancer Support Program
The Cigna Cancer Support program supports employees and their families with information and assistance from diagnosis to treatment to remission.

Cigna Behavioral Advantage
This integrated approach can help improve health, productivity and a company's bottom line by focusing on the individual. Cigna's behavioral health coverage can increase the cost effectiveness of medical and pharmacy plans. This can result in decreased costs and peace of mind.


Contact your Cigna representative for more information.


Health Focus: Preserving Health and Well-Being
For those people who want to maintain, preserve, or improve their health and well-being, we find opportunities to reduce risks through:

Cigna Health Advisor®
Health coaching can help customers reduce risks related to cholesterol, blood pressure, nutrition, physical activity and pre-diabetes. Health coaching also can help customers by providing information about treatment options and helping to close gaps in care. Depending on the services purchased, health coaching for these topics is provided via:

  • Telephone
  • Online
  • Face-to-face at the worksite

Lifestyle Management Programs
Health coaching can provide the support employees need to make lasting behavior changes to reduce risks related to tobacco, weight and stress. These changes can result in decreased medical costs and improved productivity. Depending on the services purchased, health coaching for these topics is provided via:

  • Telephone
  • Online
  • Face-to-face at the worksite

Metabolic Syndrome Improvement Program
This 90-day program uses classroom and online distance learning tools to help individuals at risk for metabolic syndrome learn to make healthy living part of their daily lives.

Flu Clinics
One of the best ways to help prevent the flu is with annual flu vaccinations. To help people fight the flu and avoid its consequences, Cigna partners with clients to offer flu immunizations at worksites. The benefits of our flu clinics include:

  • Coordination by Cigna of the planning and delivery of the on-site flu clinics
  • Promotional and educational materials that deliver coordinated and cohesive messages to encourage participation
  • Potential reduced costs from the flu
  • A safe, convenient way to provide health needs to employees

Contact your Cigna representative for more information.

Health Pays
You can provide incentives to increase participation in Health Foundations (e.g., for health assessment completion) and Health Focus (e.g., for condition management goal achievement) programs.

Better Health. Guaranteed.
With this program Cigna will guarantee to reduce the health risks of targeted employees. Our commitment to measurably improve health includes access to Cigna's exclusive health risk identification tool and an employer health improvement fund to support your strategy. To support this promise, we'll offer:

  • Access to Cigna's exclusive health risk identification tool
  • An employer Health Improvement Fund to support your strategy
  • A consumer-driven program
  • Health coaching with optional incentive packages
  • Three paths to customize, based on your organization's culture and core beliefs

Healthy Awards
Through our Healthy Awards Account® (tied to the Cigna Choice Fund® product), healthy activities offer an incentive for employees to live healthier and allow them to earn money to be deposited in their health spending accounts.


Cigna Incentive Points Program
Our Incentive Points program allows employers to reward employees for taking action to improve their health and wellness. The program is flexible with the types of activities included and rewards.


Contact your Cigna representative for more information.

Key initiatives include:

Well-being Solutions
Cigna can deliver some of most relevant, engaging and cost-effective well-being solutions for your organization. This can result in healthier, happier, more productive employees and a better bottom line. Success is grounded in Cigna's commitment to delivering personalized well-being solutions, based on our knowledge of your company.

Through a needs-based, consultative approach, we assess the top health risks of your employee population, along with your values, goals and budget for supporting well-being in the workplace. Then we recommend a well-being solution set, designed to meet the needs of your organization.

Our programs are organized by specific goals and can be mixed and matched to design the perfect fit for your workforce. Our programs include:

  • Health Awareness. Hands-on services to help people know their numbers and better understand their health status and potential risks
  • Education. Easy-to-understand resources to help people learn how to be well for life
  • Prevention. Helpful programs aimed at preventing illness and disease
  • Lifestyle. Highly engaging, behavior-change programs that encourage your employees to practice healthy habits for a lifetime
  • Activity. Motivational programs and challenges to help inspire people to actively participate in their health
  • Coaching. Expert guidance and consultation to support organizations and individuals throughout the process

Our tailored, personalized approach sets Cigna apart and can deliver meaningful behavior change-potentially leading to better health and a better bottom line.


Contact your Cigna representative for more information.


1 "University of Michigan Health Risk Assessment (HRA) and Trend Management System (TMS)," Cigna White Paper, 2008

Incentives

Healthy Awards
Through a Healthy Awards Account® (tied to the Cigna Choice Fund® product), healthy activities offer an incentive for employees to live healthier and allow them to earn money to be deposited in their health spending accounts.

Incentive Points
Our Incentive Points program allows employers to reward employees for taking action to improve their health and wellness. The program is flexible in both the types of activities included and rewards.


Contact your Cigna representative for more information.

Medical

Cigna Choice Fund Consumer-Driven Health Plans
Cigna Choice Fund® delivers a true consumer-focused solution-one that puts a person's needs and goals first. We focus on shifting behaviors, not costs, to create active participants who are encouraged and rewarded for choosing quality care.

Health Reimbursement Account (HRA)
The Cigna Choice Fund® Health Reimbursement Account (HRA) is a consumer-driven health plan that combines a medical plan with an account funded by the employer. The Cigna Choice Fund HRA is designed to help lower overall medical costs through a focus on engaged participants. It also offers the added security of rolling over unused funds to the next plan year to save for future expenses. The benefits of choosing a Cigna HRA include:

  • Choice in the underlying medical plan
  • Choice in your own limits on remaining HRA dollars that roll over to future plan years
  • Choice in incentive programs to reward employees for healthy behaviors
  • Choice in offering a Flexible Spending Account in addition to the HRA
  • Automatic claim forwarding option to pay providers directly from the HRA


Health Savings Account (HSA)
The Cigna Choice Fund® Health Savings Account (HSA) is a consumer-driven health plan that lets individuals make a personal investment in improving their health and quality of life. Accompanied by an IRS-qualified, high deductible health plan, the HSA gives individuals ownership of a tax-advantaged savings account they can use to put aside money to pay for current or future medical, prescription drug, dental and other IRS-approved health care expenses.

The benefits of choosing a Cigna HSA include:

  • Support for the installation of the medical plan and Health Savings Account
  • A centralized point-of-contact for the health plan, interest-bearing savings account and investment options
  • A single website, myCigna.com, for members to access information about medical and pharmacy plan and claim activities
  • Enhanced and integrated online decision support tools
  • Automatic claim forwarding option to pay providers directly from health savings accounts
  • Incentive programs to help drive behavior changes
  • The option to waive deductibles for a select set of preventive prescription drugs


Flexible Spending Account (FSA)
With a Flexible Spending Account (FSA), people can set aside pre-determined, pre-tax dollars to help pay for eligible medical, dental and pharmacy expenses. FSAs are a cost-effective way for participants to manage eligible out-of-pocket expenses not covered by medical plans. Participants pay no taxes on contributions or withdrawals.

As an employer, all you need to do is make payroll deductions and report funds. Cigna takes care of the rest, including accounting, eligibility verification, claim verification, customer service and reimbursement. The benefits of choosing a Cigna FSA include:

  • A valued resource for employees
  • Reduced costs for employers
  • Automatic claim forwarding option to pay providers directly from the FSA
  • Integration with medical plans

Contact your Cigna representative for more information.


Health Maintenance Organization (HMO)
Our HMO is a physician directed, participating health care professional-only plan for employers concerned about cost. The benefits of choosing a Cigna HMO include:

  • Primary care physician (PCP) involvement that can result in early interventions and cost-effective outcomes
  • Referrals to see specialists
  • Wellness features and disease management programs

Contact your Cigna representative for more information.


Medical Indemnity
The traditional indemnity plan can help employees take charge of their health care choices and offer the freedom to choose any health care professional, hospital or clinic without a referral or network boundaries. Cigna's exclusive network savings program uses preferred rates to lower claim costs and out-of-pocket costs for businesses and their employees. The benefits of choosing a Cigna indemnity plan include:

  • Cost control options through flexible plan designs and utilization management
  • Cigna's exclusive Network Savings Program that can lower claim and out-of-pocket costs for you and your employees
  • Wellness features and disease management programs

Contact your Cigna sales representative for more information.


Open Access Plus (OAP)
Cigna's Open Access Plus plan is a solution for employers who want choice, convenience and cost control. We offer access to a national network of health care professionals, hospitals and facilities, and consistent plan designs. The benefits of choosing a Cigna OAP include:

  • Competitive network discounts
  • Flexible plan designs and funding options
  • Cost control through customizable plan designs that encourage visiting in-network health care professionals
  • Encouragement of employees to see primary care physicians (PCPs)
  • No referral requirement to see specialists
  • Simplified administration and hassle-free service

Contact your Cigna representative for more information.


Open Access Plus In-Network (OAP-IN)
Cigna's OAP-IN can help control costs by requiring employees to see participating health care professionals to receive coverage under their plan, with the exception of for emergency services. With the plan, you’ll get flexible plan designs, funding options and competitive network discounts. The benefits of choosing a Cigna OAP-IN include:

  • Competitive network discounts
  • Flexible plan designs and funding options
  • Cost control by requiring employees to see participating health care professionals, with the exception of for emergency services
  • Encouragement of employees to see primary care physicians (PCPs)
  • No referral requirement to see specialists
  • Simplified administration and hassle-free service

Contact your Cigna representative for more information.


LocalPlus
Cigna's LocalPlus plan is a solution for employers who want to control cost without sacrificing quality or scope services. We offer access to a network of health care professionals, hospitals and facilities in select LocalPlus geographies. The benefits of choosing a Cigna LocalPlus include:

  • Highly competitive discounts in a more concentrated network
  • Flexible plan designs and funding options
  • Cost control through customizable plan designs, which encourage the use of in-network health care professionals
  • Primary care physician (PCP) use encouraged
  • No referral requirement
  • Simplified administration and hassle-free service

Contact your Cigna representative for more information.


LocalPlus In-Network
Cigna's LocalPlus IN can help further control costs by requiring employees to see participating health care professionals to receive coverage under their plan, with the exception of emergency services. We offer access to a network of health care professionals, hospitals and facilities in select LocalPlus geographies. The benefits of choosing a Cigna LocalPlus IN plan include:

  • Highly competitive discounts in a more concentrated network
  • Flexible plan designs and funding options
  • Cost control by requiring employees to see participating health care professionals, with the exception of for emergency services
  • Encouragement of employees to see primary care physicians (PCPs)
  • No referral requirement to see specialists
  • Simplified administration and hassle-free service

Contact your Cigna representative for more information.
Preferred Provider Organization (PPO)
Cigna's PPO option offers choice and convenience, with no referrals required. Customers can choose from a national network with a broad range of health care professionals and hospitals. The benefits of choosing a Cigna PPO include:

  • Quality, convenience and no referrals
  • Customizable plan designs and funding options
  • No primary care physician (PCP) requirement
  • Wellness features and disease management programs
  • Simplified administration and hassle-free service

Contact your Cigna representative for more information.


Network Open Access
Network Open Access offers all of the benefits of an in-network only plan for cost conscious employers who need choice, convenience and flexibility. This product combines the quality of care from participating health care professionals with referral-free access to specialists. The benefits of choosing Network Open Access include:

  • No referral requirement
  • Encouragement of employees to see primary care physicians (PCPs)
  • Wellness features and disease management programs
  • Flexible plan design and funding options

Contact your Cigna representative for more information.


Network Open Access Point of Service
Our Network Open Access POS provides all of the benefits of a standard network plan and adds out-of network coverage for cost conscious employers who need choice, convenience and flexibility. The benefits of choosing Network Open Access Point of Service include:

  • No referral requirement
  • Encouragement of employees to see primary care physicians (PCPs)
  • Out-of network coverage at reduced benefit levels
  • Wellness features and disease management programs
  • Flexible plan design and funding options

Contact your Cigna representative for more information. Network Point of Service
Network Point of Service offers out-of network coverage at reduced benefit levels. It's designed for cost conscious employers looking to provide greater access to care. The benefits of choosing Network Point of Service include:

  • Primary care physician (PCP) involvement that can result in early interventions and cost-effective outcomes
  • Referrals required to see a specialist
  • Out-of network coverage at reduced benefit levels
  • Wellness features and disease management programs
  • Flexible plan design and funding options

Contact your Cigna representative for more information.

Access (Cost and Quality)

Cigna Care Designation
This Cigna program can help encourage employees to seek care from doctors in 19 specialties in 68 markets who meet additional standards for performance. Specialists must meet objective, evidence-based criteria that includes more than just claims data, using instead a wide range of external and internal evidence.

The benefits of the Cigna Care Network® include:

  • An innovative benefit design that can encourage employees to use specialty care doctors who achieve performance measures
  • Multiple levels of in-network benefits that can provide incentives to use Cigna Care-designated doctors. Employees pay a regular co-pay or coinsurance when they visit a Cigna-contracted specialist, but get lower co-pays or coinsurance levels to access care from a Cigna Care-designated doctor
  • Relevant information for employees on quality and performance
  • An estimated first-year claim cost savings of one to three percent1

Contact your Cigna representative for more information.

Cigna Centers of Excellence
We review how successful a participating hospital or facility is in treating 29 common conditions and procedures. Hospitals and clinics that deliver better health outcomes at affordable prices earn our top three-star rating. They are identified as Centers of Excellence in search results for hospitals. It's just another way we help employees make informed choices about health care.

Contact your Cigna representative for more information.

Collaborative Accountable Care
Our Collaborative Accountable Care program can help improve the way health systems and health plans work together for our clients and customers, building on the foundation of a patient-centered medical home model and outcomes of an accountable care organization. We do this through frequent communication with doctors, by sharing patient-specific information and establishing a care coordinator to help people manage their health. By working together more closely, we’re helping to improve quality, affordability and patient satisfaction.


Contact your Cigna representative for more information.

1 The actual savings will depend on many factors including the difference in benefits between the Cigna Care designation tier and the in-network tier, market location and current claim patterns.

Pharmacy

Benefit Design Choices for Clients
Our suite of pharmacy program choices provides the flexibility to select from options such as multiple drug lists (with three and four tiers). We offer preventive medication benefit choices, such as waiving deductibles for preventive drugs and promoting use of preventive generic drugs with little or no customer cost share. Our integrated pharmacy clinical programs can help improve health outcomes and lower costs.


Cigna Home Delivery PharmacySM
Get prescriptions delivered directly to your door. Cigna Home Delivery PharmacySM offers refill reminder notices and one-click refills, a customer resolution team dedicated to resolving customer issues, and licensed pharmacists on call 24/7 to answer questions.

Exclusive or Incentivized Cigna Home Delivery Pharmacy benefit**
Clients can require (or strongly encourage through the use of incentives) customers who take maintenance medications to fill them through Cigna Home Delivery Pharmacy (after a certain number of refills).

**Available for all clients with self-funded (ASO) ERISA plans. Not available in all states for insured plans.

Contact your Cigna representative for more information.


Clinical Programs to Help Improve Health Outcomes

CoachRx
CoachRx can help customers stay adherent to their drug therapy. It assists them in overcoming barriers through condition education, refill reminders, incentives and coaching with pharmacists.


Complex Psychiatric Case Management Program
This program can help customers using multiple psychotropic drugs, as well as customers who are seeing a primary care doctor, rather than a psychiatrist. It involves integration with a behavioral intensive care management program and support from a Cigna behavioral psychiatrist.


Gaps in Care
Gaps in Care focuses on adherence issues and other gaps in care for customers with specific chronic conditions. It involves outreach by health coaches, including case managers and disease management nurses.

 

Medication Safety Management Program
This program addresses the potential inappropriate use of narcotics and other controlled substances. We offer doctors resources, including behavioral health, disease management and low back pain programs, and investigation support.

Contact your Cigna representative for more information.


Clinical Programs to Help Lower Pharmacy Costs


Clinical Edits


We offer flexibility for clients to choose their level of clinical management edits. This might include:

  • Benefit exclusion-enforces the limits of prescription drug benefits
  • Unit cost and utilization management-manages prescription cost and promotes cost-effective medication alternatives
  • Clinical appropriateness of use-promotes appropriate use of medications

Prospective and Concurrent Drug Utilization Review Edits
We offer a series of point-of-service screenings (for which claim protocols are consistently applied) to prevent risk and costly stock piling, including drug-disease interactions, drug-drug interactions, over and under use, therapeutic duplications, refill too soon, duplicate prescriptions, gender, age and pregnancy edits.


Rx Savings Messenger
Rx Savings Messenger educates customers about generic and lower cost preferred brands, as well as the benefits of filling prescription drugs through Cigna Home Delivery Pharmacy. It shows real-time pricing based on customers' pharmacy plans and can provide cost-saving solutions to cut down on the amount of mail sent to customers.


Step Therapy
Step Therapy promotes the use of cost-effective, appropriate medications, and provides the flexibility to use brand name medications, when medically necessary. Our robust communication program for customers and doctors fosters conversion with little or no disruption in therapy.

Contact your Cigna representative for more information.


Specialty Pharmacy Management
Covered individuals with Cigna Medical and Pharmacy coverage benefit from a holistic and seamless approach to managing their health condition. Employers benefit from our integrated reporting and aggressive unit cost discounts on all specialty drugs through Cigna Home Delivery Pharmacy, regardless of where they are administered. Our unique approach to treating chronic conditions can lower total health costs and improve health and productivity for these individuals.


TheraCare®
This is a targeted condition drug therapy program for customers using specialty medications for a number of chronic conditions. TheraCare® can help customers better understand their conditions, drug side effects and the importance of adherence. This program coordinates with other Cigna health coaching programs.

Contact your Cigna representative for more information.

Seniors and Retiree Services

Seniors and Retirees


We offer many retiree solutions, including Medicare Advantage plans with pharmacy coverage, Medicare Part D plans, retiree drug subsidy support services and Medicare Supplement plans. Our account teams can make it easy to transition active employees into Medicare.


Contact your Cigna representative for more information.

Vision

Vision PPO

Cigna Vision adds value to any Cigna medical or dental plan. It provides both in- and out-of-network coverage through a large national routine vision network. It offers access to quality eye care professionals, claims processing, eligibility and customer service, and no-hassle administration. Cigna Vision is a great addition to any Cigna medical or dental plan. The benefits of choosing Cigna Vision include:

  • A wide range of benefit plans with options for funding (administrative services only and fully insured)
  • Voluntary offerings
  • A national, fully-credentialed network of eye care professionals, including national and regional retail opticals, and private practice optometrist and ophthalmologist offices
  • Hassle-free administration, with one monthly statement, one eligibility file and one account manager for all your Cigna Healthcare products

Contact your Cigna representative for more information.

Voluntary

With our voluntary benefits, we also offer a choice of administrative and enrollment services to help save employers time and make it easier for employees.


 

Accidental Death and Dismemberment (AD&D) Insurance

Cigna's AD&D plan offers employees and their families financial protection in case of a covered accident. Benefits are payable upon death or serious injury, as well as living benefits for non-fatal catastrophic injuries. Our AD&D plans can include:

  • Cigna Secure Travel® Program1—Provides emergency medical, financial, legal and communication assistance to customers when they travel domestically and internationally
  • Living Benefits—Applies to customers who suffer non-fatal losses caused by a covered accident. The available benefits include bereavement and trauma counseling, rehabilitation and home alteration and vehicle modification
  • Spouse and Dependent Benefits—Provides additional coverage for spouse/dependent-related needs, including child care centers and special education benefits
  • Occupational Related Benefits—Applies to employees who suffer losses caused by a covered accident as a result of their job, including felonious assault and violent crime, HIV occupational accident and hepatitis C occupational accident

1 Cigna Secure Travel® and Cigna Identity Theft and Secure Travel programs are provided under a contract with Europ Assistance USA, Inc. Presented here are highlights of these programs. Full terms, conditions and exclusions are contained in the Cigna Identity Theft and Secure Travel® service agreements.

 

Accidental Injury

Cigna's Accidental Injury insurance coverage is an affordable way to make up for expenses not covered by traditional insurance. In the event of a covered accident, it pays a lump sum cash benefit with no restrictions on how the money is used.

Critical Illness

Cigna's Critical Illness insurance coverage is an affordable way to offset a family’s out-of-pocket expenses due to a covered life changing health event. It pays a lump sum cash benefit with no restrictions on how the money is used.

In addition to any benefit-specific exclusions, benefits will not be paid for any Covered Injury or Covered Loss which, directly or indirectly, in whole or in part, is caused by or results from any of the following unless coverage is specifically provided for by name in the Description of Benefits Section:

1. intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane;

2. commission or attempt to commit a felony or an assault;

3. commission of or active participation in a riot or insurrection;

4. bungee jumping; parachuting; skydiving; parasailing; hang-gliding;

5. declared or undeclared war or act of war;

6. flight in, boarding or alighting from an Aircraft or any craft designed to fly above the Earth’s surface:

a. except as a passenger on a regularly scheduled commercial airline;

b. being flown by the Covered Person or in which the Covered Person is a member of the crew;

c. being used for:

i. crop dusting, spraying or seeding, giving and receiving flying instruction, fire fighting, sky writing, sky diving or hang-gliding, pipeline or power line inspection, aerial photography or exploration, racing, endurance tests, stunt or acrobatic flying; or

ii. any operation that requires a special permit from the FAA, even if it is granted (this does not

apply if the permit is required only because of the territory flown over or landed on);

d. designed for flight above or beyond the earth’s atmosphere;

e. an ultra-light or glider;

f. being used for the purpose of parachuting or skydiving;

g. being used by any military authority, except an Aircraft used by the Air Mobility Command or its foreign

equivalent;

7. Sickness, disease, bodily or mental infirmity, bacterial or viral infection or medical or surgical treatment thereof, except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food;

8. travel in any Aircraft owned, leased or controlled by the Subscriber, or any of its subsidiaries or affiliates. An Aircraft will be deemed to be ''controlled'' by the Subscriber if the Aircraft may be used as the Subscriber wishes for more than 10 straight days, or more than 15 days in any year;

9. a Covered Accident that occurs while engaged in the activities of active duty service in the military, navy or air force of any country or international organization. Covered Accidents that occur while engaged in Reserve or National Guard training are not excluded until training extends beyond 31 days;

10. operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant including any prescribed drug for which the Covered Person has been provided a written warning against operating a vehicle while taking it. Under the influence of alcohol, for purposes of this exclusion, means intoxicated, as defined by the law of the state in which the Covered Accident occurred;

11. voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage;

12. in addition, benefits will not be paid for services or treatment rendered by a Physician, Nurse or any other person who is:

a. employed or retained by the Subscriber;

b. providing homeopathic, aroma-therapeutic or herbal therapeutic services;

c. living in the Covered Person’s household;

d. a parent, sibling, spouse or child of the Covered Person.


Dental Insurance
Cigna Dental offers the largest Dental Preferred Provider Organization (DPPO) in the nation2 and provides strong access and discounts on dental care costs. We offer a wide range of dental products and features to our customers. With all our voluntary benefits, we also offer a robust choice of administrative and enrollment services to help save employers time and help make it easier for employees to enroll.

2Cigna's Radius network is the largest Dental PPO in the nation. NetMinder. DPPO data as of March 2013, including combined reported Cigna Dental Radius Network® and Dental Network Savings Program counts of unique dentists. Data is subject to change. The Ignition Group makes no warranty regarding the performance of data and the results that will be obtained by using.

 


Contact your Cigna representative for more information.

Disability Insurance
Cigna offers proactive stay-at-work services for employees who are at an increased risk of disability. If a disability happens, our plans provide employees with a portion of their salary, along with personalized return-to-work programs, so eligible employees can return to work quickly and safely. Our disability plans include:

  • Short-term Disability (STD)—Helps employees who suffer a temporary illness that leaves them out of work for a short time
  • Long-term Disability (LTD)—Offers employees protection if they are unable to work for an extended period of time
  • Mid-term Disability (MTD)—Provides an affordable alternative to a combined STD and LTD offering

Contact your Cigna representative for more information.

Group Universal Life Insurance
Cigna Group Universal Life insurance can help employees with solid financial planning. It combines the protection of life insurance with the option to build cash value through to a Cash Accumulation Fund (CAF)1. The benefits of choosing Group Universal Life Insurance include:

  • Coverage that is provided to employees through age 99
  • A guaranteed minimum interest rate of four percent on CAFs
  • Tax deferred treatment on amounts CAF, versus interest earned on a traditional savings account2
  • CAF funds that are used to pay life insurance premiums if the employee is unable to pay for them

Contact your Cigna representative for more information.

1Maximum contributions are based on Internal Revenue Code limits and are subject to a 2% premium charge

2There may be a tax liability if withdrawn amounts from a CAF exceed the amount of total contributions



Term Life Insurance
Life insurance is an essential part of financial planning. With Cigna life insurance, customers can help provide their families with financial protection by selecting life plans that will provide financial resources for them to carry on. For employers, the benefits include:

  • Working with Cigna, a recognized provider of employee benefits with more than 90 years in life business
  • A broad portfolio with value-added programs that support health and wellness, protect what's important and help plan for the future
  • Convenient tools and services for easy administration of both employer-paid and employee-paid plans

Contact your Cigna representative for more information.

Vision Insurance
Cigna Vision is a cost-effective vision benefit solution with in- and out-of-network coverage through one of the nation’s largest routine vision networks3. It offers access to quality eye care professionals and 24/7 claim, eligibility and customer service. With all of our voluntary benefits, we also offer a robust choice of administrative and enrollment services to help save employers time and help make it easier for employees to enroll.

The benefits of choosing Cigna Vision include:

  • Eye care professionals that are 100 percent credentialed to National Committee for Quality Assurance (NCQA) guidelines
  • Private practice Cigna Vision network eye care professionals that are combined with our medical networks, ensuring continuity of care for customers with routine and medical eye care needs
  • Savings on out-of-pocket expenses by visiting in-network eye care professionals
  • Through the Vision Network Savings Program, access to savings for additional vision-related purchases when customers visit a Cigna Vision eye care professional


Contact your Cigna representative for more information.

3Cigna's Vision Competitive Landscape, June 2011.

Global

Core Product Offering

  • Cigna Global Health Benefits® Group Medical Plans (Short and Long-term Assignments)
    Cigna offers a range of medical programs for globally mobile group customers. We offer flexible benefit designs, global networks of health care professionals, real-time guarantees of payment and more
  • Individual Medical Plans
    Our Cigna Global Health Options® Individual Medical Plans can work well for globally mobile individuals and their families. Customers can build a plan that’s tailored to their personal situations. They can also select from optional benefits
  • International Business Travel
    We offer group plans designed for international business travelers. These plans provide medical benefits for unexpected illnesses or injuries that may occur while a customer is on a company-authorized business trip outside their home country or country of permanent assignment

Value-added products and services

  • Pharmacy
    Cigna Global Health Benefits offers Cigna Pharmacy Management services, allowing for several options when getting prescription drugs in the United States. We also offer pharmacy benefits and services outside the United States.
  • Dental
    Cigna's dental products can provide employees with discounted access to preventive care and a broad range of other dental services and coverage options. 
  • Vision
    We offer optional vision programs, which can include access to routine eye exams and allowances for frames and lenses.
  • Long-Term Disability (LTD)
    Our long-term disability products pay a portion of an employee’s income to help provide financial protection for globally mobile customers during a covered disability. We actively monitor each case and promote the employee's return to work.
  • Life / Accidental Death and Dismemberment*
    We offer employers Group Term Life plans, along with accidental death and dismemberment (AD&D) coverage. This coverage is available to groups with as few as two employees. We offer several product options
  • Emergency Evacuation and Repatriation / Emergency Assistance
    We offer optional emergency assistance services to help employees have peace of mind when on assignment overseas. Employees can receive access to emergency evacuation and  medical assistance services to help them in an emergency situation and return to his or her home country.
  • Global Wellness Products and Services
    We offer health and well-being assessments, targeted risk assessments and online health improvement programs as part of our global wellness solutions. In addition, we offer Employee Assistance Program products and services.


Insurance Products and Services for Globally Mobile Employees
View the Cigna Global Health Benefits website for more information.


Greenland South America Africa Africa Australia Australia Australia Europe Europe Europe North America Asia Asia Asia Asia Asia

Products and Services for Large Employers
Cost Management

Cost Containment Programs
Cigna's cost containment programs can provide more medical savings to our clients and customers. To help lower costs, we offer:

Complex Claim Review
Complex Claim Review is a coding and billing review program done on a pre-pay basis. It helps ensure doctors and other health care professionals submit reasonable, accurate and appropriate charges for the services and supplies they provide.

Out-of-Network Cost Containment Programs (Network Savings Program (NSP) and Bill Negotiation Services (BNS))
Our out-of-network cost containment programs give employees and their families access to a supplemental network of out-of-network hospitals, health care facilities and doctors who offer services at discounted rates. These discounts lower out-of-pocket and claim costs without requiring benefit plan or administration changes. These programs are used in combination with the employer's maximum reimbursable charge.


Our Out-of-Network Containment Programs offer:

  • Access to a supplemental network of health care professionals who are not part of the Cigna network but who provide out-of-network care at discounted rates
  • Lower out-of-pocket expenses for people when they receive covered services from these out-of-network health care professionals
  • Lower out-of-network claim costs for employers when their employees use out-of-network health care professionals
  • Fully integrated and automated benefit administration

Post Pay Audit Recovery Programs
Cigna's post payment programs review medical bills to determine the reasonableness, appropriateness and accuracy of charges. These programs can help employers and employees save on their health care costs.


Maximum Reimbursable Charge (Out-of-Network Benefits)
The maximum reimbursable charge (MRC) benefit helps employers manage out-of-network medical costs. MRC represents the maximum amount under the medical plan that Cigna will pay an out-of-network health care professional for a covered service. For employers, MRC:

  • Helps keep health benefits more affordable by lowering unit costs
  • Includes all charges (health care professional and health care facility) at a greater discount
  • Reduces exposure to unnecessary billing by out-of-network health care professionals
  • Improves in-network use by providing a strong financial incentive for employees to use participating health care professionals and hospitals
  • Drives greater incentives for health care professionals and hospitals to join the Cigna network

Contact your Cigna representative for more information.

Customer Experience

24/7 Live Customer Service
Our customers can talk with a representative whenever it's convenient for them.

Explanation of Benefits (EOB)
We provide customers with a quick summary of recent claim activity. It's easy to see what's been paid and what's owed. The Cigna Explanation of Benefits ranked third amount national health plans, with an excellent designation for clarity, content and design in an evaluation by DALBAR, Inc.1

MyCigna.com
With myCigna.com, registered users can quickly view coverage, monitor claims, find doctors, research health issues and enjoy wellness programs.

Clear Communication
We've developed customer interaction guidelines, including the use of easy-to-understand words, to help make sure our customer communication is as clear as possible.

Contact your Cigna representative for more information.

1Dalbar, Inc., [2013] Explanation of Benefits Statements Rankings.

Dental Coverage

Dental Health Maintenance Organization (DHMO)1
The Cigna Dental Care® DHMO is the largest Dental HMO network in the nation2 and offers 75% savings off average area charges3 with 40% lower premiums4, on average, than a Cigna Dental PPO. There’s a DHMO plan option to help meet any client's needs, with features like surgical implant coverage5, coinsurance customer out-of-pocket payment, discounts and more. Most preventive procedures are covered at no charge5, which supports our focus on prevention. And with teeth whitening coverage (take-home bleaching with gel trays), the ability to offer up to four cleanings a year, coverage for crowns/bridges over implants5, coverage for athletic mouth guards5, ID theft resolution services6, a Dental Information Line, and other value-added features, Cigna's DHMO plans are designed to offer a great customer experience.


Contact your Cigna representative for more information.

Dental Preferred Provider Organization (DPPO)
Cigna's Dental PPO lets customers choose any dentist, in- or out-of-network. Coverage includes most preventive procedures at low or no cost, and individuals don’t need a referral  to see specialists.7 Cigna's Dental PPO is designed with network flexibility to help meet any employer’s benefit strategy:

  • Largest Dental PPO in the nation8, with customizable in- and out-of-network discount configurations
  • Dental Network Savings Program (DNSP) gives customers access to a supplemental listing of dentists who aren’t part of the Cigna networks, but who provide out-of-network care at a discounted rate9
  • A projected 4% higher net effective discount than the industry by 201410
  • Customizable plan designs with numerous cost-saving features
  • Multiple funding options :
  • Cigna's network is expected to grow by 85% from 2009 to 2014.11 Cigna is currently contracted with 68%12 of active dentists and plans to be contracted with 80% of active dentists in 2014 with a goal of 90% by 201611

Contact your Cigna representative for more information.

Dental Exclusive Provider Organization (DEPO)
The Cigna Dental EPO provides the flexibility of broad network access with in-network only coverage. Customers will be reimbursed for all or part of their costs for covered procedures, up to the annual dollar maximum, and after meeting a deductible and/or satisfying any waiting periods. Coverage includes most preventive procedures at low or no cost, and individuals don’t need a referral to see specialists.7


For employers, the benefits of choosing DEPO include:

  • Two network options, including Cigna Dental Radius Network®, which is ideal for employers where network size is the primary driver. The second network is Cigna Dental Core Network, which is ideal for employers looking for a strong balance between network access and dentist discounts
  • Dental Network Savings Program (DNSP) gives customers access to a supplemental network of dentists who are not part of the Cigna networks but who provide out-of-network care at a discounted rate9
  • Customizable plan designs with numerous cost-saving features13
  • Multiple funding options:

Contact your Cigna representative for more information.

Dental Indemnity
Cigna Traditional is our dental indemnity-style plan. Since there are no networks associated with Cigna Traditional, customers can visit any dentist or specialist they choose, without a referral. Coverage includes most preventive and diagnostic services.7 For all covered services individuals pay a set coinsurance amount, and since there are no negotiated network discounts, they may pay the difference between coinsurance and the dentists' usual charges. Benefits of choosing this plan include:

  • Customizable plan designs with numerous cost-saving features13
  • A Dental Network Savings Program that gives customers access to dentists who are not a part of the Cigna network, but who provide care at a discounted rate9
  • Multiple funding options:

Contact your Cigna representative for more information.



CignaFlex Advantage®
CignaFlex Advantage lets customers switch monthly between our Cigna Dental Care (DHMO) plan and either the Cigna Dental PPO or the Cigna Traditional indemnity plans—with no additional administrative work options for clients. There are three options available to meet clients' needs, including Cigna Managed Switch, Client Managed Switch and Client/Cigna Managed Switch.

Contact your Cigna representative for more information.

CignaPlus Savings®14
CignaPlus Savings is a discount dental program—not an insurance product. This program is designed to meet the needs of employers looking to offer dental care to anyone who's ineligible for traditional insurance coverage, such as part-time employees, seasonal employees or retirees. It's a cost-effective option that gives customers access to dental care services at discounted rates.

Contact your Cigna representative for more information.

Cigna Dental Oral Health Integration Program®
The Cigna Dental Oral Health Integration Program is available to all dental customers because better oral health may contribute to better overall health. Cigna dental customers who have any of the medical conditions below qualify for 100 percent reimbursement of out-of-pocket costs for certain related dental procedures15. There's no additional charge for the program-those who qualify get reimbursed.16

  • Diabetes
  • Maternity
  • Heart Disease
  • Stroke
  • Head and neck cancer radiation
  • Organ transplants
  • Chronic kidney disease

The Cigna Dental Oral Health Integration Program goes beyond typical dental coverage and offers:

  • More savings. Program participants get discounts on certain prescription dental products through Cigna Home Delivery PharmacySM-regardless of their pharmacy carrier
  • More wellness. Participants can choose to get information on how behavioral issues are linked to oral health. These articles are designed to help program participants overcome these behaviors so they can improve their oral and overall health

Contact your Cigna representative for more information.

Some plans and plan features may not be available in all states. Actual plan coverages will vary based on plan design, location and funding type. All plans and insurance policies contain exclusions and limitations which are more fully set forth in the applicable plan documents. Cigna dental insurance plans and administrative services are offered by Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company, or their affiliates.


1The term “DHMO” is used to refer to product designs that may differ by state of residence of enrollee, including but not limited to, prepaid plans (Oklahoma, et al), managed care plans, and plans with open access features (OK and MN, et al). The Cigna DHMO is not available in the following states: AK, HI, ME, MT, NH, NM, ND, PR, RI, SD, VI, VT, WV, and WY. For the DHMO company name and other information for your particular state, see Cigna Companies by State. Terms and conditions of coverage are set forth in DHMO policy forms GM6000 DEN201V1* (CGLIC) and HP-POL115* (CHLIC), and DPPO policy forms GM6000 ELI288* et al (CGLIC) and HP-POL99* (CHLIC) (*actual number may vary by state).


2Source: NetMinder. DHMO data as of March 2013 and is subject to change. The Ignition Group makes no warranty regarding the performance of the data and the results that will be obtained by using.


3The national average charges used in the calculation are based on a combination of Cigna and FAIR Health claim data projected to 7/1/2013 using a 3% annual cost trend. Calculation assumes customer out-of-pocket savings with Cigna DHMO plan versus no dental insurance coverage.


42012 Cigna Dental book of business; clients who offer both DHMO and DPPO have on average 40% lower DHMO premiums than their DPPO premiums.

5Individuals must receive services through their network general dentist for coverage to apply, except in emergencies. Prior authorization may be required for certain specialty care treatments. Only those procedures that are medically necessary and listed on the plan’s Patient Charge Schedule (PCS) are covered. Services related to the surgical placement of a dental implant are limited to one per year with replacement of a surgical implant frequency limitation of one every 10 years. The frequency limitations of certain other covered services are set forth in the PCS. The following are excluded from coverage unless otherwise listed on the PCS or required by law: (a) Experimental and cosmetic dentistry; (b) Treatments or surgery if associated with a poor or hopeless diagnosis; (c) Recementation of crowns, inlays and onlays, post and cores, and veneers within 180 days of initial placement; (d) Crowns, bridges and implant supported prosthesis used solely for splinting; and (e) Work already in progress for crowns, bridges, dentures, root canal treatment, or implant supported prosthesis. A complete list of your plan’s terms, including exclusions and limitations, is set forth in the applicable plan documents.

6Cigna's Identity Theft services are provided under contract with Europ Assistance USA. Full terms are contained in Cigna's Identity Theft Program service agreement.

7Routine exams and X-rays are limited to 2 per calendar year. Waiting periods may apply to basic restorative, major restorative, and orthodontic services and are more fully set-forth in the group insurance certificate or group service agreement.

8NetMinder. DPPO data as of March 2013, including combined reported Cigna Dental Radius Network® and Dental Network Savings Program counts of unique dentists. Data is subject to change. The Ignition Group makes no warranty regarding the performance of data and the results that will be obtained by using.

9Dental Network Savings Program (DNSP) is a discount savings program and is not insurance. DNSP is included as a standard feature but availability may vary and is subject to change. This program enables plan participants to receive discounts for out-of-network services received from a dentist participating in the DNSP. Not all providers that participate in DNSP are part of our DPPO network or credentialed by Cigna. Dentists who participate in the Cigna Network or DNSP are independent contractors solely responsible for treatment provided. DNSP is not available in the following states: AK, CA, ID, IA, MT, NM (not available for indemnity clients), ND, RI, SD and WY.

102014 industry projection based on actual 2011 Ruark Discount Study industry results projected to 2014. Industry projections for 2014 reflect a 2% effective discount growth, based on historical industry trends.

112013-2016 Cigna projections are based on previous recruitment and competitive positioning in the industry. Competitive positioning is measured using NetMinder data as of March 2013 program counts of unique dentists. Data is subject to change. The Ignition Group makes no warranty regarding the performance of the data and the results that will be obtained by using it.

12As of June 2013.

13Options include: varying deductibles, coinsurance levels, maximums, stricter exclusion & limitation language, procedural class-shifting, benefit waiting periods, WellnessPlus plans, etc.

14CignaPlus Savings is a dental discount program that provides members access to discounted fees, pursuant to schedules negotiated by Cigna Dental with participating providers, which members are responsible for paying in full, directly to participating providers. Although all participating providers go through a credentialing process to assure that they are appropriately licensed and qualified, Cigna Dental does not otherwise guarantee nor is it responsible for the quality of any services or products purchased by members. This program is not available in all states. A discount program is NOT insurance, and the member must pay the entire discounted charge.

15 The Cigna Dental Oral Health Integration Program offers 100% reimbursement for out-of-pocket costs for certain related dental procedures, subject to the following limitations: coverage for periodontal maintenance is limited to 4 per year during active therapy; customers undergoing treatment for chronic kidney disease, organ transplants, or head/neck cancer radiation receive coverage for topical fluoride application and varnish, and dental sealants (age limits removed, other plan limitations may apply); maternity patients receive coverage for one additional oral evaluation and cleaning during their pregnancy term. All other plan exclusions and limitations apply.

16Deductible does not apply. Reimbursement counts toward maximum for DPPO/indemnity plans. Program exclusions and limitations apply.Deductible does not apply. Reimbursement counts toward maximum for DPPO/indemnity plans. Program exclusions and limitations apply.

Disability/Life/Accident Insurance Coverage

Accidental Death and Dismemberment (AD&D)
AD&D insurance helps protect families from financial hardship by paying a specified benefit amount upon death or serious injury due to a covered accident. AD&D coverage from Cigna includes employer-paid and employee-paid options, as well as business travel protection. The benefits of choosing Cigna AD&D insurance include:

  • Protection for when covered accidents happen. Accidents are the leading cause of death for people age one to 541
  • Living benefits such as dismembermemnt, paralysis and coma
  • Filling critical gaps in coverage and unexpected expenses not covered by other insurance benefits, such as life, disability, health or workers' compensation
  • Guarantee issue coverage-no medical underwriting is required
  • Coverage for spouses and children with affordable protection
  • Additional coverage available for unexpected costs, such as home and vehicle modification, physical therapy and rehabilitation, and even spouse job training and child care
  • Cigna Secure Travel2 at no additional cost-which provides emergency medical, financial, legal and communication assistance to people when they travel domestically and internationally

1Injury Facts, 2010 edition.

2Cigna Secure Travel® and Cigna Identity Theft and Secure Travel programs are provided under a contract with Europ Assistance USA, Inc. Presented here are highlights of these programs. Full terms, conditions and exclusions are contained in the Cigna Identity Theft and Secure Travel® service agreements.

 

Accidental Injury

Cigna's Accidental Injury insurance coverage is an affordable way to make up for expenses not covered by traditional insurance. In the event of a covered accident, it pays a lump sum cash benefit with no restrictions on how the money is used.

Critical Illness

Cigna's Critical Illness insurance coverage is an affordable way to offset a family’s out-of-pocket expenses due to a covered life changing health event. It pays a lump sum cash benefit with no restrictions on how the money is used.

In addition to any benefit-specific exclusions, benefits will not be paid for any Covered Injury or Covered Loss which, directly or indirectly, in whole or in part, is caused by or results from any of the following unless coverage is specifically provided for by name in the Description of Benefits Section:

1. intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane;

2. commission or attempt to commit a felony or an assault;

3. commission of or active participation in a riot or insurrection;

4. bungee jumping; parachuting; skydiving; parasailing; hang-gliding;

5. declared or undeclared war or act of war;

6. flight in, boarding or alighting from an Aircraft or any craft designed to fly above the Earth’s surface:

a. except as a passenger on a regularly scheduled commercial airline;

b. being flown by the Covered Person or in which the Covered Person is a member of the crew;

c. being used for:

i. crop dusting, spraying or seeding, giving and receiving flying instruction, fire fighting, sky writing, sky diving or hang-gliding, pipeline or power line inspection, aerial photography or exploration, racing, endurance tests, stunt or acrobatic flying; or

ii. any operation that requires a special permit from the FAA, even if it is granted (this does not

apply if the permit is required only because of the territory flown over or landed on);

d. designed for flight above or beyond the earth’s atmosphere;

e. an ultra-light or glider;

f. being used for the purpose of parachuting or skydiving;

g. being used by any military authority, except an Aircraft used by the Air Mobility Command or its foreign

equivalent;

7. Sickness, disease, bodily or mental infirmity, bacterial or viral infection or medical or surgical treatment thereof, except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food;

8. travel in any Aircraft owned, leased or controlled by the Subscriber, or any of its subsidiaries or affiliates. An Aircraft will be deemed to be ''controlled'' by the Subscriber if the Aircraft may be used as the Subscriber wishes for more than 10 straight days, or more than 15 days in any year;

9. a Covered Accident that occurs while engaged in the activities of active duty service in the military, navy or air force of any country or international organization. Covered Accidents that occur while engaged in Reserve or National Guard training are not excluded until training extends beyond 31 days;

10. operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant including any prescribed drug for which the Covered Person has been provided a written warning against operating a vehicle while taking it. Under the influence of alcohol, for purposes of this exclusion, means intoxicated, as defined by the law of the state in which the Covered Accident occurred;

11. voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage;

12. in addition, benefits will not be paid for services or treatment rendered by a Physician, Nurse or any other person who is:

a. employed or retained by the Subscriber;

b. providing homeopathic, aroma-therapeutic or herbal therapeutic services;

c. living in the Covered Person’s household;

d. a parent, sibling, spouse or child of the Covered Person.

Contact your Cigna representative for more information.

Disability Insurance Coverage
Cigna's disability management model combines early identification and intervention, comprehensive case management and extensive return-to-work support to help prevent and reduce costly lost-time events. In addition, integration with our robust Family and Medical Leave Act (FMLA) absence management, and medical and health coaching programs offer employers a holistic approach. Cigna disability insurance coverage offers:

  • Quick short-term disability (STD) claim decisions to help employees replace a portion of their lost income
  • Robust stay-at-work and vocational rehabilitation services to help employees who are able to work remain on the job and productive
  • An integrated, holistic approach, with a focus on minimizing avoidable absences
  • Value-added programs, such as chronic condition support, will preparation and identify theft protection3

Contact your Cigna representative for more information.

Group Universal Life Insurance
Cigna Group Universal Life insurance can help employees with solid financial planning. It combines the protection of life insurance with the option to build cash value through contributions to a Cash Accumulation Fund (CAF)1 . 1 It is available with employers with 500 or more employees. The benefits of choosing Group Universal Life Insurance include:

  • A guaranteed minimum interest rate of four percent on CAFs
  • Coverage that is provided to employees through age 99
  • Tax deferred treatment of amounts in a CAF versus interest earned on a traditional savings account2

Contact your Cigna representative for more information.

1Maximum contributions are based on Internal Revenue Code limits and are subject to a 2% premium charge.

2There may be a tax liability if withdrawn amounts from a CAF exceed the amount of total contributions


Term Life Insurance
Life insurance is an essential part of financial planning. With Cigna life insurance, customers can help provide their families with financial protection by selecting life plans that will provide financial resources for them to carry on. For employers, the benefits include:

  • Working with Cigna, a recognized provider of employee benefits with more than 90 years in life business
  • A broad portfolio with value-added programs that support health and wellness, protect what's important and help plan for the future
  • Convenient tools and services for easy administration of both employer-paid and employee-paid plans

Contact your Cigna representative for more information.


Enrollment Technology

Choicelinx
Choicelinx® delivers web-based enrollment tools. Employers can streamline their administrative process, reduce cost and offer a personalized enrollment experience. The benefits of choosing Choicelinx include:

  • A continual review and enhancement of our enrollment solutions to meet market trends, and most importantly, the needs of our customers
  • A secure and innovative solution

To learn more, visit choicelinx.com.

Funding Arrangements for Health Care

Fully Insured
Under Cigna's fully insured plans, you have full protection for covered claims. Fixed, monthly premiums allow for predictable expenses that are easy to budget.

Contact your Cigna representative for more information.

Self Funded
Under self-funding (also known as administrative services only), you fund the claims, and Cigna provides the plan administration. If claims are lower than expected, you realize immediate savings. We also offer stop loss insurance coverage options to provide you with protection for high claims.

Contact your Cigna representative for more information.

Participating Funding

Shared Returns®, Cigna's insured participating funding options, provide full protection for covered claims, cash flow advantages and the ability to participate in your claim experience. Plus, you'll receive complete reporting with a year-end settlement of premium and claim costs.

There are two types of Shared Returns:

Shared Returns Fully Insured
With Shared Returns Fully Insured, you have complete protection from high claim costs and predictable expenses that are easy to budget. Low claims can earn you a credit at the end of the year.

Shared Returns Minimum Premium
With Shared Returns Minimum Premium, you have lower monthly payments and premium tax savings. You fund claims as they occur and enjoy increased cash flow.

Contact your Cigna representative for more information.

Health and Wellness

Health Foundations
Cigna can help build a foundational health coverage plan that will meet the health needs of your workforce.

Health Assessment
Cigna's health assessment includes the University of Michigan Health Management Resource Center health assessment and exclusive access to its proprietary Trend Management System(SM). This gives Cigna the unique ability to analyze how current health risks impact future health status, costs, productivity and disability. Using information from our health assessment, we are able to help our clients address, reduce and reverse health risks with the support of our health coaching interventions, including online coaching and clinical programs.

Our health assessment service helps employers:

  • Predict two to three years out, with 83 percent accuracy, which individuals will become the next high users of health care services based on their unique risk combinations1
  • Identify the most appropriate health strategies to support the population
  • Monitor and evaluate an employee population's health, health changes and engagement of health management programs over time
  • Analyze current health risks and their impact on future health status, costs, productivity and disability

Personal Health Solutions
Cigna's personal health solutions can improve health and productivity, and lower costs for populations with acute health care needs, such as hospitalization and/or significant outpatient treatment. The Utilization Review Accreditation Commission (URAC) and/or the National Committee for Quality Assurance (NCQA) have accredited our programs. In addition, the programs are guided by evidence-based guidelines.

Well Informed-Gaps In Care
The Cigna Well Informed program uses medical, pharmacy and laboratory data to proactively identify and address customers' gaps in care. Gaps in care occur when people don't receive, or adhere to, medical care that is consistent with medically-proven guidelines for prevention and treatment. This can result in more serious illnesses and additional costs for customers and employers.
Well Informed helps employers:

  • Identify and communicate gaps to members and providers
  • Create greater health awareness among employees and effective interactions with doctors
  • Improve health, productivity and quality of life for employees
  • Reduce costs


Health Screenings
Health screenings give participants a convenient way to assess their current health status. They also help clients identify health risks in their employee population. Cigna offers a variety of health screenings at the worksite, including blood pressure, glucose testing, body mass index and cholesterol testing. Post-screening health coaching services are also available.

24-Hour Health Information Line
The health information line is a 24/7 resource that provides live support from a nurse about general health conditions and their symptoms. Nurses also help determine the appropriate level of care. Depending on the service purchased, employees may also listen to hundreds of podcasts on almost any health topic.

Employee Assistance Program (EAP)
Cigna's Employee Assistance Program helps deliver the support employees and employers need to better manage work and life issues so they can manage their health, stay focused and productive. The service is designed to meet the personal assistance needs of employees and managers, and the organizational needs of businesses. Depending on the services purchased, support is available via:

  • Telephone
  • Online
  • Face-to-face at the worksite or via a referral to a mental health professional

Mental Health and Substance Abuse
Almost every employee can benefit from integrated behavioral health services. By increasing the use of behavioral services across your organization, you can help decrease overall medical and behavioral expenses.

On-site Health Centers
Time, transportation and cost are real barriers to people getting the care they need to help improve their health. By bringing health support to the worksite, employers can eliminate these obstacles and dramatically impact employee participation in health improvement. They can also reduce absenteeism and boost productivity. Cigna has built a large suite of on-site capabilities, ranging from education and health screening, to lifestyle management programs to on-site coaching and health centers. Our health professionals will guide you to a solution set that meets the needs of your organization.

Contact your Cigna representative for more information.

Health Focus
We can provide the products and services that can help healthy people avoid risks, at-risk people reduce risks, people with chronic conditions control risks, and people with acute conditions resolve risks.

Health Focus: Time-Sensitive Needs
For those with time-sensitive needs, our service focuses first on those who need to or have spent time in the hospital-helping them get the support they need and make the most of their coverage.

  • Health Advisor-Personal Health Team
    Cigna offers health coaching for healthy and at-risk populations to help customers reduce risks related to cholesterol, blood pressure, nutrition, physical activity and pre-diabetes. Health coaches also provide valuable information to help customers make treatment decisions and close gaps in their care. The team helps to improve productivity, and reduce wage and benefit costs by improving employee health, and preventing future illnesses and their expenses
  • Cigna Healthy Pregnancies, Healthy Babies®
    While most women have healthy, uncomplicated pregnancies, others may need specialized support to deliver healthy babies. Cigna Healthy Pregnancies, Healthy Babies can give women the support they need to have healthier pregnancies and deliveries

Contact your Cigna representative for more information.

Health Focus: Ongoing Care
For those requiring ongoing care, we offer services to help them live better with their condition. Cigna offers:

Your Health FirstSM
Health coaching focuses on the entire health needs of people with chronic conditions such as diabetes, asthma, depression, back pain and cardiac conditions. Health coaching can help to reduce the risks related to tobacco, weight, stress, cholesterol, and blood pressure. Depending on the services purchased, we deliver health coaching through:

  • Telephone
  • Online
  • Face-to-face at the worksite

Integrated Personal Health Team
Cigna's 360-degree health coaching team provides a dedicated health coach for each customer, to support their health needs.

Cigna Cancer Support Program
The Cigna Cancer Support program supports employees by providing individuals and families information and assistance from diagnosis to treatment to remission.

Cigna Behavioral Advantage
This is our integrated approach to improving health, productivity and a company's bottom line by focusing on the person. Cigna's behavioral health coverage can increase the cost-effectiveness of medical and pharmacy plans, which can result in decreased costs and more peace of mind.


Contact your Cigna representative for more information.

Health Focus: Preserving Health and Well-Being
For those people who want to maintain, preserve, or improve their health and well-being, we find opportunities to reduce risks through:

Cigna Health Advisor®
Health coaching can help customers reduce risks related to cholesterol, blood pressure, nutrition, physical activity and pre-diabetes. Health coaching also can help customers by providing information about treatment options and helping to close gaps in care. Depending on the services purchased, health coaching for these topics is provided via:

  • Telephone
  • Online
  • Face-to-face at the worksite

Lifestyle Management Programs
Health coaching can provide the support employees need to make lasting behavior changes to reduce risks related to tobacco, weight and stress. These changes can result in decreased medical costs and improved productivity. Depending on the services purchased, health coaching for these topics is provided via:

  • Telephone
  • Online
  • Face-to-face at the worksite

Metabolic Syndrome Improvement Program
This 90-day program uses classroom and online distance learning tools to help individuals at risk for metabolic syndrome learn to make healthy living part of their daily lives.

Flu Clinics
One of the best ways to help prevent the flu is with annual flu vaccinations. To help people fight the flu and avoid its consequences, Cigna partners with clients to offer flu immunizations at worksites. The benefits of our flu clinics include:

  • Coordination by Cigna of the planning and delivery of the on-site flu clinics
  • Promotional and educational materials that deliver coordinated and cohesive messages to encourage participation
  • Potential reduced costs from the flu
  • A safe, convenient way to provide health needs to employees

Contact your Cigna representative for more information.

Health Pays
You can provide incentives to increase participation in Health Foundations (e.g., for health assessment completion) and Health Focus (e.g., for condition management goal achievement) programs.

Healthy Awards
Through our Healthy Awards Account® (tied to the Cigna Choice Fund®; product), healthy activities offer an incentive for employees to live healthier and allow them to earn money to be deposited in their health spending accounts.

Cigna Incentive Points Program
Our Incentive Points program allows employers to reward employees for taking action to improve their health and wellness. The program is flexible with the types of activities included and rewards.

Key initiatives include:

Well-Being Solutions
Cigna can deliver relevant, engaging and cost-effective well-being solutions for your organization, which can result in healthier, happier, more productive employees and a better bottom line for your organization. Success is grounded in Cigna's commitment to delivering personalized well-being solutions, based on our knowledge of your company.

Through a needs-based, consultative approach, we assess the top health risks or your employee population, along with your values, goals and budget for supporting well-being in the work place. Then we recommend a well-being solution set, designed to meet the needs of your organization.

Our programs are organized by specific goals and can be mixed and matched to design the perfect fit for your workforce. Our programs include:

  • Health Awareness. Hands-on services to help people know their numbers and better understand their health status and potential risks
  • Education. Easy-to-understand resources to help individuals learn how to be well for life
  • Prevention. Helpful programs aimed at preventing illness and disease
  • Lifestyle. Highly engaging, behavior-change programs that help encourage your employees to practice healthy habits for a lifetime
  • Activity. Motivational programs and challenges to help inspire people to actively participate in their health
  • Coaching. Expert guidance and consultation to support organizations and individuals throughout the process

It's our tailored, highly personalized approach that sets Cigna apart and allows us to help deliver meaningful behavior change-all potentially leading to better health and a better bottom line.

1"University of Michigan Health Risk Assessment (HRA) and Trend Management System (TMS)," Cigna White Paper, 2008

Incentives

Healthy Awards
Through a Healthy Awards Account® (tied to the Cigna Choice Fund® product), healthy activities offer an incentive for employees to live healthier and allow them to earn money to be deposited in their health spending accounts.

Incentive Points
Our Incentive Points program allows employers to reward employees for taking action to improve their health and wellness. The program is flexible in both the types of activities included and rewards.

Contact your Cigna representative for more information.

Medical

Cigna Choice Fund Consumer-Driven Health Plans
Cigna Choice Fund® delivers a true consumer-focused solution-one that puts the individual's needs and goals first. We focus on shifting behaviors, not costs, to create active participants who are encouraged and rewarded for choosing quality care.

Health Reimbursement Account (HRA)
The Cigna Choice Fund® Health Reimbursement Account (HRA) is a consumer-driven health plan that combines a medical plan with an account funded by the employer. The Cigna Choice Fund HRA is designed to help lower overall medical costs through a focus on the engagement of participants. It offers the added security of rolling over unused funds to the next plan year to save for future expenses. The benefits of choosing a Cigna HRA include:

  • Choice in the underlying medical plan
  • Choice in your own limits on remaining HRA dollars that roll over to future plan years
  • Choice in incentive programs to reward employees for healthy behaviors
  • Choice in offering a Flexible Spending Account in addition to the HRA
  • Automatic claim forwarding option to pay health care professionals directly from the HRA

Health Savings Account (HSA)
The Cigna Choice Fund® Health Savings Account (HSA) is a consumer-driven health plan that lets individuals make a personal investment in improving their health and quality of life. Accompanied by an IRS-qualified, high deductible health plan, the HSA gives individuals ownership of a tax-advantaged savings account they can use to put aside money to help pay for current or future medical, prescription drug, dental and other IRS-approved health care expenses.

Benefits of choosing a Cigna HSA include:

  • Implementation support for installation of the health plan and Health Savings Account
  • A centralized point-of-contact for the health plan, interest-bearing savings account and investment options
  • A single website, myCigna.com, for customers to access information about medical and pharmacy plan and claim activity
  • Enhanced and integrated online decision support tools
  • Automatic claim forwarding option to help pay health care professionals directly from the health savings account
  • Incentive programs to help drive desired behavior changes
  • The option to waive the deductible for a select set of preventive prescription drugs

Flexible Spending Account (FSA)
With a Flexible Spending Account (FSA), participants can set aside pre-determined, pre-tax dollars to pay for eligible medical, dental and pharmacy expenses. FSAs are a cost-effective way for participants to manage eligible out-of-pocket expenses not covered by medical plans. The participant pays no taxes on the contributions or the withdrawals.

All you need to do is make the payroll deductions and report the funds. Cigna takes care of the rest, including accounting, eligibility verification, claim verification, customer service and reimbursement. The benefits of choosing a Cigna FSA include:

  • A valued resource for employees
  • Potential of reduced costs for employers
  • Automatic claim forwarding option to pay providers directly from the FSA
  • An integrated medical plan

Contact your Cigna representative for more information.


Health Maintenance Organization (HMO)
Our HMO is a doctor-directed, participating health care professional-only plan for employers concerned about controlling costs. The benefits of choosing a Cigna HMO include:

  • Primary care physician (PCP) involvement that can result in early intervention and cost-effective outcomes
  • Referral requirement to see specialists
  • Wellness features and disease management programs

Contact your Cigna representative for more information.


Medical Indemnity

The traditional indemnity plan can help employees take charge of their health care choices, and have the freedom to choose any health care professional, hospital or clinic without a referral or network boundaries. Cigna's exclusive network savings program uses preferred rates to help lower claim costs and out-of-pocket costs for businesses and their employees. The benefits of choosing a Cigna indemnity plan include:

  • Cost control options through flexible plan designs and utilization management
  • Cigna's exclusive Network Savings Program that can lower claim costs and out-of-pocket costs
  • Wellness features and disease management programs

Contact your Cigna representative for more information.


Open Access Plus (OAP)
Cigna's Open Access Plus plan is a solution for employers who want choice, convenience and cost control. We offer access to a national network of health care professionals, hospitals and clinics, and consistent plan designs. The benefits of choosing a Cigna OAP include:

  • Competitive network discounts
  • Flexible plan designs and funding options
  • Cost control through customizable plan designs which can encourage the use of participating health care professionals
  • Encouragement of seeing primary care physicians (PCPs)
  • No referral requirement to see specialists
  • Simplified administration and hassle-free service

Contact your Cigna representative for more information.


Open Access Plus In-Network (OAP-IN)
Cigna's OAP-IN can help control costs by requiring employees to see participating health care professionals to receive coverage under their plan, with the exception of for emergency services. With the plan, you'll get flexible plan designs, funding options and competitive network discounts. The benefits of choosing a Cigna OAP-IN include:

  • Competitive network discounts
  • Flexible plan designs and funding options
  • Cost control by requiring employees to see participating health care professionals, with the exception of for emergency services
  • Encouragement of employees to see primary care physicians (PCPs)
  • No referral requirement to see specialists
  • Simplified administration and hassle-free service

Contact your Cigna representative for more information.


LocalPlus
Cigna's LocalPlus plan is a solution for employers who want to control cost without sacrificing quality or scope services. We offer access to a network of health care professionals, hospitals and facilities in select LocalPlus geographies. The benefits of choosing a Cigna LocalPlus include:

  • Highly competitive discounts in a more concentrated network
  • Flexible plan designs and funding options
  • Cost control through customizable plan designs, which encourage the use of in-network health care professionals
  • Primary care physician (PCP) use encouraged
  • No referral requirement
  • Simplified administration and hassle-free service

Contact your Cigna representative for more information.


LocalPlus In-Network
Cigna's LocalPlus IN can help further control costs by requiring employees to see participating health care professionals to receive coverage under their plan, with the exception of emergency services. We offer access to a network of health care professionals, hospitals and facilities in select LocalPlus geographies. The benefits of choosing a Cigna LocalPlus IN plan include:

  • Highly competitive discounts in a more concentrated network
  • Flexible plan designs and funding options
  • Cost control by requiring employees to see participating health care professionals, with the exception of for emergency services
  • Encouragement of employees to see primary care physicians (PCPs)
  • No referral requirement to see specialists
  • Simplified administration and hassle-free service

Contact your Cigna representative for more information.


Preferred Provider Organization (PPO)
Cigna's PPO option offers choice and convenience, with no referrals required. Customers can choose from a national network with a broad range of health care professionals, hospitals and clinics. The benefits of choosing a Cigna PPO include:

  • Quality and convenience
  • Customizable plan designs and funding options
  • No primary care physician (PCP) requirement and no referral requirement
  • Wellness features and disease management programs
  • Simplified administration and hassle-free service

Contact your Cigna representative for more information.


Network Open Access
Network Open Access provides the benefits of an in-network only plan for cost conscious employers who are looking for choice, convenience and flexibility. This product combines the quality of care from participating health care professionals with referral-free access to see specialists. The benefits of choosing Network Open Access include:

  • No referral requirement
  • Encouragement of employees to see primary care physicians (PCPs)
  • Wellness features and disease management programs
  • Flexible plan design and funding options

Contact your Cigna representative for more information.


Network Open Access Point of Service
Network Open Access POS offers all the benefits of a standard network plan and adds out-of network coverage for cost-conscious employers who are looking for choice, convenience and flexibility. The benefits of choosing Network Open Access Point of Service include:

  • No referral requirement
  • Encouragement of employees to see primary care physicians (PCPs)
  • Out-of network coverage at reduced benefit levels
  • Wellness features and disease management programs
  • Flexible plan design and funding options

Contact your Cigna representative for more information.


Network Point of Service
Network Point of Service offers out-of network coverage at reduced benefit levels. It's designed for cost- conscious employers looking to provide greater access to care. The benefits of choosing Network Point of Service include:

  • Referral requirement to see a specialist
  • Primary care physician (PCP) involvement that can result in early interventions and cost-effective outcomes
  • Wellness features and disease management programs
  • Flexible plan design and funding options

Contact your Cigna representative for more information.

Access (Cost and Quality)

Cigna Care Designation
This Cigna program can help encourage employees to seek care from doctors in 19 specialties in 68 markets who meet additional standards for performance. Specialists must meet objective, evidence-based criteria that includes more than just claims data, using instead a wide range of external and internal evidence.

The benefits of the Cigna Care Network® include:

  • An innovative benefit design that can encourage employees to use specialty care doctors who achieve performance measures
  • Multiple levels of in-network benefits that can provide incentives to use Cigna Care-designated doctors. Employees pay a regular co-pay or coinsurance when they visit a Cigna-contracted specialist, but get lower co-pays or coinsurance levels to access care from a Cigna Care-designated doctor
  • Relevant information for employees on quality and performance
  • An estimated first-year claim cost savings of one to three percent1

Contact your Cigna representative for more information.

Cigna Centers of Excellence
We review how successful a participating hospital or clinic is in treating 29 common conditions and procedures. Hospitals and clinics that deliver better health outcomes at affordable prices earn our top three-star rating. They are identified as Centers of Excellence in search results for hospitals. It's just another way we help employees make informed choices about health care.


Contact your Cigna representative for more information.

Collaborative Accountable Care
Our Collaborative Accountable Care program can help improve the way health systems and health plans work together for our clients and customers, building on the foundation of a patient-centered medical home model and outcomes of an accountable care organization. We do this through frequent communication with doctors, by sharing patient-specific information and establishing a care coordinator to help people manage their health. By working together more closely, we're helping to improve quality, affordability and patient satisfaction.


Contact your Cigna representative for more information.

1The actual savings will depend on many factors including the difference in benefits between the Cigna Care designation tier and the in-network tier, market location and current claim patterns.

Pharmacy

Benefit Design Choices for Clients
Our suite of pharmacy program choices offers the flexibility to select from options such as multiple drug lists (with three and four tiers). We offer preventive medication benefit choices, including waiving deductibles for preventive drugs and promoting use of preventive generic drugs with little or no customer cost share. Our integrated pharmacy clinical programs can help improve health outcomes and lower cost.

Cigna Home Delivery PharmacySM
Get prescriptions delivered directly to your door. Cigna Home Delivery PharmacySM offers refill reminder notices and one-click refills, a customer resolution team dedicated to resolving customer issues, and licensed pharmacists available 24/7 to answer questions.

Exclusive or Incentivized Cigna Home Delivery Pharmacy benefit**
Clients can require (or strongly encourage) customers who take maintenance medications to refill them through Cigna Home Delivery Pharmacy (after a certain number of refills).

**Available for all clients with self-funded (ASO) ERISA plans. Not available in all states for insured plans.

Clinical Programs to Help Improve Health Outcomes 

CoachRx
CoachRx can help customers adhere to their drug therapy. It assists them in overcoming barriers through condition education, refill reminders, incentives and coaching with pharmacists.

Complex Psychiatric Case Management Program
This program can help customers using multiple psychotropic drugs, as well as customers who are seeing primary care doctors, rather than psychiatrists. It involves integration with a behavioral intensive care management program and support from a Cigna behavioral psychiatrist.

Gaps in Care
Gaps in Care focuses on adherence issues and other gaps in care for customers with specific chronic conditions. It includes outreach by health coaches, including case managers and disease management nurses.

Medication Safety Management Program
This program addresses the potential inappropriate use of narcotics and other controlled substances. We offer physicians resources, including integration with behavioral health, disease management and low back pain programs, and investigation support.

Contact your Cigna representative for more information.


Clinical Programs to Help Lower Pharmacy Costs

Clinical Edits

We offer flexibility for clients to choose their level of clinical management edits. This might include:

  • Benefit exclusion-enforces the limits of prescription drug benefits
  • Unit cost and utilization management-manages prescription cost and promotes cost-effective medication alternatives
  • Clinical appropriateness of use-promotes appropriate use of medications

Prospective and Concurrent Drug Utilization Review Edits
This is a series of point-of-service screenings for which claim protocols are consistently applied to prevent risk and costly stock piling. This includes drug-disease interactions, drug-drug interactions, over and under use, therapeutic duplications, refill too soon, duplicate prescriptions, gender, age and pregnancy edits.

Rx Savings Messenger
Rx Savings Messenger educates customers about generic and lower cost preferred brands, as well as the benefits of filling prescription drugs through Cigna Home Delivery Pharmacy. It shows real-time pricing based on customer pharmacy plans and can provide cost-saving solutions to cut down on the amount of mail sent to customers.

Step Therapy
Step Therapy can promote the use of cost-effective prescription drugs and provides the flexibility to use brand-name drugs when medically necessary. Our robust communication program for customers and doctors can foster conversion with little or no disruption in therapy.

Contact your Cigna representative for more information.

Specialty Pharmacy Management
Covered individuals with Cigna Medical and Pharmacy coverage benefit from a holistic and seamless approach to managing their health condition. Employers benefit from our integrated reporting and aggressive unit cost discounts on all specialty drugs through Cigna Home Delivery Pharmacy, regardless of where they are administered. Our unique approach to treating chronic conditions can lower total health costs and improve health and productivity for these individuals.

TheraCare®
This is a targeted condition drug therapy program for customers using specialty prescription drugs for a number of chronic conditions. TheraCare® can help customers better understand their condition, medication side effects and the importance of adherence. This program coordinates with other Cigna health coaching programs.


Contact your Cigna representative for more information.

Seniors and Retiree Services

Seniors and Retirees
Cigna offers many retiree solutions, including Medicare Advantage plans with pharmacy coverage, Medicare Part D plans, retiree drug subsidy support services and Medicare Supplement plans. Our account teams can make it easier to transition active employees to Medicare.

Contact your Cigna representative for more information.

Vision

Vision Preferred Provider Organization (PPO)
Cigna Vision can add value to any Cigna medical or dental plan. It provides both in- and out-of-network coverage through a large national routine vision network. It offers access to quality eye care professionals, claims processing, eligibility and customer service, and no-hassle administration. Cigna Vision is a great addition to any Cigna medical or dental plan. The benefits of choosing Cigna Vision include:

  • A wide range of benefit plans with options for funding (administrative services only and fully insured)
  • Voluntary offerings
  • A national, fully-credentialed network of eye care professionals, including national and regional retail opticals and private practice optometrist and ophthalmologist offices
  • Hassle-free administration, with one monthly statement, one eligibility file and one account manager for all your Cigna Healthcare products


Contact your Cigna representative for more information.

Voluntary

With our voluntary benefits, we also offer a choice of administrative and enrollment services to help save employers time and make our plans easier for employees to use.

Accidental Death and Dismemberment (AD&D) Insurance

Cigna's AD&D plan offers employees and their families financial protection in case of a covered accident. Benefits are payable upon death or serious injury, as well as living benefits for non-fatal catastrophic injuries. Our AD&D plans can include:

  • Cigna Secure Travel® Program1—Provides emergency medical, financial, legal and communications assistance to customers when they travel domestically and internationally
  • Living Benefits—Applies to employees who suffer a non-fatal loss caused by a covered accident. The available benefits can include bereavement and trauma counseling, rehabilitation and home alteration and vehicle modification
  • Spouse and Dependent Benefits—Provides additional coverage for spouse and dependent-related needs, including child care centers and special education benefits
  • Occupational Related Benefits—Applies to employees who suffer a loss caused by a covered accident as a result of their job, including felonious assault and violent crime, HIV occupational accident and hepatitis C occupational accident

 1Cigna Secure Travel® and Cigna Identity Theft and Secure Travel programs are provided under a contract with Europ Assistance USA, Inc. Presented here are highlights of these programs. Full terms, conditions and exclusions are contained in the Cigna Identity Theft and Secure Travel® service agreements.

 

Accidental Injury

Cigna's Accidental Injury insurance coverage is an affordable way to make up for expenses not covered by traditional insurance. In the event of a covered accident, it pays a lump sum cash benefit with no restrictions on how the money is used.

Critical Illness

Cigna's Critical Illness insurance coverage is an affordable way to offset a family’s out-of-pocket expenses due to a covered life changing health event. It pays a lump sum cash benefit with no restrictions on how the money is used.

In addition to any benefit-specific exclusions, benefits will not be paid for any Covered Injury or Covered Loss which, directly or indirectly, in whole or in part, is caused by or results from any of the following unless coverage is specifically provided for by name in the Description of Benefits Section:

1. intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane;

2. commission or attempt to commit a felony or an assault;

3. commission of or active participation in a riot or insurrection;

4. bungee jumping; parachuting; skydiving; parasailing; hang-gliding;

5. declared or undeclared war or act of war;

6. flight in, boarding or alighting from an Aircraft or any craft designed to fly above the Earth’s surface:

a. except as a passenger on a regularly scheduled commercial airline;

b. being flown by the Covered Person or in which the Covered Person is a member of the crew;

c. being used for:

i. crop dusting, spraying or seeding, giving and receiving flying instruction, fire fighting, sky writing, sky diving or hang-gliding, pipeline or power line inspection, aerial photography or exploration, racing, endurance tests, stunt or acrobatic flying; or

ii. any operation that requires a special permit from the FAA, even if it is granted (this does not

apply if the permit is required only because of the territory flown over or landed on);

d. designed for flight above or beyond the earth’s atmosphere;

e. an ultra-light or glider;

f. being used for the purpose of parachuting or skydiving;

g. being used by any military authority, except an Aircraft used by the Air Mobility Command or its foreign

equivalent;

7. Sickness, disease, bodily or mental infirmity, bacterial or viral infection or medical or surgical treatment thereof, except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food;

8. travel in any Aircraft owned, leased or controlled by the Subscriber, or any of its subsidiaries or affiliates. An Aircraft will be deemed to be ''controlled'' by the Subscriber if the Aircraft may be used as the Subscriber wishes for more than 10 straight days, or more than 15 days in any year;

9. a Covered Accident that occurs while engaged in the activities of active duty service in the military, navy or air force of any country or international organization. Covered Accidents that occur while engaged in Reserve or National Guard training are not excluded until training extends beyond 31 days;

10. operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant including any prescribed drug for which the Covered Person has been provided a written warning against operating a vehicle while taking it. Under the influence of alcohol, for purposes of this exclusion, means intoxicated, as defined by the law of the state in which the Covered Accident occurred;

11. voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage;

12. in addition, benefits will not be paid for services or treatment rendered by a Physician, Nurse or any other person who is:

a. employed or retained by the Subscriber;

b. providing homeopathic, aroma-therapeutic or herbal therapeutic services;

c. living in the Covered Person’s household;

d. a parent, sibling, spouse or child of the Covered Person.

Dental Insurance
Cigna Dental has the largest DPPO in the nation2 to provide strong access and discounts on dental care costs. We offer a wide range of dental products and features to our customers. With all our voluntary benefits, we also offer a robust choice of administrative and enrollment services to help save employers time and make it easy for employees to enroll.



2NetMinder. DPPO data as of March 2013, including combined reported Cigna Dental Radius Network® and Dental Network Savings Program counts of unique dentists. Data is subject to change. The Ignition Group makes no warranty regarding the performance of data and the results that will be obtained by using.

Contact your Cigna representative for more information.

Disability Insurance
Cigna offers proactive stay-at-work services for employees who are at an increased risk of disability. If a disability happens, our plans provide employees with a portion of their salary, along with personalized return-to-work programs, so eligible employees can return to work more quickly and safely. Our disability plans include:

  • Short-term Disability (STD)-Helps employees who suffer a temporary illness that leaves them out of work for a short time
  • Long-term Disability (LTD)-Offers employees protection if they are unable to work for an extended period of time
  • Mid-term Disability (MTD)-Provides an affordable alternative to a combined STD and LTD offering

Contact your Cigna representative for more information.

Group Universal Life Insurance
Cigna Group Universal Life insurance can help employees with solid financial planning. It combines the protection of life insurance with the option to build cash value through contributions to a Cash Accumulation Fund (CAF)1. The benefits of choosing Group University Life Insurance include:

  • Coverage that is provided to employees through age 99
  • A guaranteed minimum interest rate of four percent on CAFs
  • Tax deferred treatment of amounts in a CAF versus interest earned on a traditional savings account2
  • CAF funds that are used to pay life insurance premiums if the customer is unable to pay for them

Contact your Cigna representative for more information.

1Maximum contributions are based on Internal Revenue Code limits and are subject to a 2% premium charge.

2There may be a tax liability if withdrawn amounts from a CAF exceed the amount of total contributions.

Term Life Insurance
Life insurance is an essential part of financial planning. With CIGNA life insurance, customers can help provide their families with financial protection by selecting life plans that will provide financial resources for them to carry on. For employers, the benefits include:

  • Working with Cigna, a recognized provider of employee benefits with more than 90 years in life business
  • A broad portfolio with value-added programs that support health and wellness, protect what’s important and help plan for the future
  • Convenient tools and services for easy administration of both employer-paid and employee-paid plans

Contact your Cigna representative for more information.

Vision Insurance
Cigna Vision is a cost-effective vision benefit solution with in- and out-of-network coverage through one of the nation's largest routine vision networks3. It offers access to quality eye care professionals and 24/7 claim, eligibility and customer service. With all of our voluntary benefits, we also offer a robust choice of administrative and enrollment services to help save employers time and help make it easier for employees to enroll.

The benefits of choosing Cigna Vision include:

  • Eye care professionals that are 100 percent credentialed to National Committee for Quality Assurance (NCQA) guidelines
  • Private practice Cigna Vision network eye care professionals that are combined with our medical networks, ensuring continuity of care for customers with routine and medical eye care needs
  • Savings on out-of-pocket expenses by visiting in-network eye care professionals
  • Through the Vision Network Savings Program, access to savings for additional vision-related purchases when customers visit a Cigna Vision eye care professional


Contact your Cigna representative for more information.


3Cigna's Vision Competitive Landscape, June 2011.

Global

Core Product Offering

  • Cigna Global Health Benefits® Group Medical Plans (Short and Long-term Assignments)
    Cigna offers a range of medical programs for globally mobile group customers. We offer flexible benefit designs, global networks of health care professionals, real-time guarantees of payment and more
  • Individual Medical Plans
    Our Cigna Global Health Options® Individual Medical Plans can work well for globally mobile individuals and their families. Customers can build a plan that’s tailored to their personal situations. They can also select from optional benefits
  • International Business Travel
    We offer group plans designed for international business travelers. These plans provide medical benefits for unexpected illnesses or injuries that may occur while a customer is on a company-authorized business trip outside their home country or country of permanent assignment

Value-added products and services

  • Pharmacy
    Cigna Global Health Benefits offers Cigna Pharmacy Management services, allowing for several options when getting prescription drugs in the United States. We also offer pharmacy benefits and services outside the United States.
  • Dental
    Cigna's dental products can provide employees with discounted access to preventive care and a broad range of other dental services and coverage options. 
  • Vision
    We offer optional vision programs, which can include access to routine eye exams and allowances for frames and lenses.
  • Long-Term Disability (LTD)
    Our long-term disability products pay a portion of an employee’s income to help provide financial protection for globally mobile customers during a covered disability. We actively monitor each case and promote the employee's return to work.
  • Life / Accidental Death and Dismemberment*
    We offer employers Group Term Life plans, along with accidental death and dismemberment (AD&D) coverage. This coverage is available to groups with as few as two employees. We offer several product options
  • Emergency Evacuation and Repatriation / Emergency Assistance
    We offer optional emergency assistance services to help employees have peace of mind when on assignment overseas. Employees can receive access to emergency evacuation and  medical assistance services to help them in an emergency situation and return to his or her home country.
  • Global Wellness Products and Services
    We offer health and well-being assessments, targeted risk assessments and online health improvement programs as part of our global wellness solutions. In addition, we offer Employee Assistance Program products and services.

 

Insurance Products and Services for Globally Mobile Employees
View the Cigna Global Health Benefits website for more information.

Voluntary Advantage

VOLUNTARY

ADVANTAGE

Our programs make it easy to enroll and easy to manage voluntary benefits.

Group Dental Coverage

GROUP

DENTAL COVERAGE

We're dedicated to better savings, better health and a better experience.

Cigna Pharmacy Management

PHARMACY

MANAGEMENT

Cigna keeps medical, behavioral and drug benefits directly connected.