Flexibility and Choice

We know that choice and flexibility are important to government and education employers. Cigna's choices in health and wellness programs can provide real benefits to employees-and cost dividends to employers. Combining a Cigna medical plan with other Cigna benefits creates additional opportunities to help improve health and lower overall benefit costs.

Our experts can design customized benefit strategies with innovative funding arrangements that help achieve immediate—and sustainable—cost savings. We offer insurance coverage and administrative services under self-funded (ASO) arrangements for the following plan types:

• Medical
• Dental
• Pharmacy
• Behavioral
• Vision
• Disability
• Life and accident
• International expatriates

Cigna funding options
Our extensive selection of funding solutions includes:

• Cigna Shared Returns^®-fully insured
• Cigna Shared Returns-minimum premium (an insured plan)
• Fully insured
• Self-funded arrangements/administrative services only (ASO)
• Stop loss insurance (for self-funded arrangements)

We can help you achieve significant cost savings when you combine these options with an integrated plan strategy. Contact your Cigna representative to learn more about our integrated group health, life, accident and disability plans.

View our complete list of Cigna insurance plans and services.