Medical: CIGNA Choice Fund^®
CIGNA Choice Fund^® gives you a wide variety of programs and services that can help you get the most from you plan while improving your health and well-being.

Pharmacy: Managed Pharmacy Program
Our prescription drug plans give you access to more than 57,000 national and independent participating pharmacies to get your prescriptions filled.

Life: Term Life
Term Life offers valuable coverage during a period of greatest need—while you are still working and earning an income and building for your future.

CIGNA Plans & Services – Medical



		Consumer Driven Health Plans CIGNA's Consumer Driven Health Plans give you a wide variety of programs and services that can help you get the most from you plan while improving your health and well-being. more CIGNA Choice Fund^® Health Savings Account (HSA) CIGNA Choice Fund^® Health Reimbursement Account (HRA) Flexible Spending Account (FSA)				Health Maintenance Organizations (HMO) and Network Our HMO and Network plans give you access to quality care from our broad network of participating physicians. In addition, we offer HMO Open Access and Network Open Access plans, which allow you to visit in-network specialists without a referral from your PCP. more Health Maintenance Organization (HMO) and Network Health Maintenance Organization (HMO) and Network with Open Access

		Open Access Plus The CIGNA Open Access Plus plan allows you to see any licensed provider you choose, though benefits are higher when you receive care from a provider in the Open Access Plus network. more Open Access Plus In-Network				Our HMO and Network Point of Service (POS) plans let you decide where to get care. You may use out-of-network providers, but your costs are lower and level of coverage higher when you use CIGNA HealthCare participating providers. more HMO and Network Point of Service (POS) HMO and Network Point of Service with Open Access (POS)

		Preferred Provider Organization (PPO) Visit the doctor who's right for you – without a referral. The Preferred Provider Organization (PPO) plans give you the freedom to visit any licensed provider. You don't need to choose a primary care physician (PCP) and you don't need a referral to see a specialist. more Exclusive Provider Organization (EPO)				Medicare Solutions If you or someone you know is Medicare eligible, CIGNA Medicare Services offers plans for all of your needs. more

		Indemnity Our indemnity plan offers maximum flexibility because you can visit any doctor; you don't need to choose a primary care physician (PCP) to coordinate your care; and you don't need a referral to visit a specialist. more				Voluntary Limited-Benefit Health Plans: Starbridge and Fundamental Care CIGNA's Limited-Benefit Health Plans are designed to give you access to affordable benefits for everyday medical care. Our plans help to cover doctor visits, wellness, prescriptions, and much more. They are ideal for hourly, part-time or temporary workers and can also be used during a waiting period for a major medical plan. more

		For Government Benefit Managers CIGNA offers programs and plan design options that can help you manage health care costs and improve the health of your employees and members. more