Message From Brad Miller

Chief Underwriting Officer, CIGNA HealthCare

CIGNA's primary focus is to improve the health and well-being of our members, thereby improving workplace productivity and reducing medical costs for employers. Through consultative engagement, CIGNA HealthCare works with you to choose plans that will fit an employer’s benefits and financial strategy, while encouraging employees to live a healthy lifestyle and make well-informed health decisions.

Some of CIGNA’s industry-leading and market-differentiating solutions are:

• Clinical Integration and Health Advocacy: Our products - such as medical, pharmacy, behavioral health, dental and stop loss are clinically integrated. These coordinated and holistic clinical management programs are designed to help improve clinical outcomes and lower overall health care costs. CIGNA's health advocacy programs also support quality outcomes based on our nationally recognized medical management and evidence-based quality programs. Notably, our award-winning suite of CIGNA Well Aware for Better Health^® disease management programs has consistently set industry performance and effectiveness standards.

• Reporting Capabilities: CIGNA’s Benefit Insight capabilities provide a comprehensive analytical look at an employer’s cost drivers in a logical, easy-to-understand format. We can leverage this individualized analysis to create optimal benefit design solutions for employers.

• CIGNA's Stop Loss: Impressive advances in technology and pharmacology have expanded the array of treatment options for many serious illnesses and injuries. While the advances are often remarkable, new treatment costs can be substantial. Catastrophic high-dollar claims are a reality for which the self-funded employer must plan - and the plan should be comprehensive, with assurances of no gaps in coverage.

CIGNA's integrated medical and stop loss products provide just that – no gaps in coverage. There are no disclosure or claim filing requirements. Coverage is fully integrated with the employer’s self-funded program. Claims are paid on a consistent basis with no denial loopholes based on pre-existing conditions, medical necessity, or case management protocols. And, due to CIGNA’s contracting and clinical integration effectiveness, our no gaps coverage is available at very competitive prices.

This is an exciting time for CIGNA and you to work together to create solutions that will help our shared customers meet their business goals by helping to reduce risk and improve clinical outcomes.