Health costs run deeper than just medical care. Prescriptions. Mental health. Dental care. Care for employees on disability and traveling abroad for business. It can all affect your overall health costs, as well as your workforce productivity and well-being. We'll help you experience a lower medical cost trend, year after year. Bundle medical plans with pharmacy, disability, behavioral, senior and retirees, dental or vision and help save on annual medical costs. Our approach to total health is designed to achieve better health outcomes and savings for your company, as well as help make the health journey easier for your employees.
Our Guiding Principles for Connected Care
More services, fewer sick days
Integrating Cigna medical and disability management programs can help reduce absences for employees in our connected medical + disability plans.
A personalized approach
We have a view into a customer’s whole health needs, whole treatment plan, and connectivity across benefits to drive the actions that can help your employees and your business feel better, get healthier and spend less.
We connect our insights and relationships in innovative ways to influence employees, health care providers, and drug manufacturers' decisions.
Cigna Pharmacy Management®
Adding a pharmacy benefit to your medical plan can help lower total medical costs and help provide an easier experience for your employees. Being fully connected allows us to leverage data, analytics, and technology on a common clinical platform to proactively work with your employees and health care providers to help ensure drug adherence, receive cost savings alerts, and close gaps in care.
With Cigna Pharmacy Management, you get a fully connected, personalized approach to change behaviors – in the moments that matter most – to help deliver better total well-being outcomes, lower pharmacy and total health spending.
Employers who included Cigna Pharmacy with their medical benefits had 8.5% more gap closure than those who used an outside PBM.1
Medical and Disability
Health plans and disability solutions create a connected experience that can result in improved productivity and savings. With coordinated clinical support, early identification of absence risk and proactive health improvement referrals, our holistic approach engages your employees to help them get back to work, health and life sooner.
Coordinated clinical support has concrete results:2
- 8.4% shorter disability durations
- $943 average annual savings per engaged disabled customer in a connected health and disability plan
Medical and Dental
Medical and dental plans work together to educate and motivate employees to understand the importance of oral health for better total health and savings.
3.65% lower medical utilization costs associated with preventive dental treatment3
Cigna Dental Oral Health Integration Program® focuses on reducing risks related to pregnancy, diabetes and heart disease with average medical cost savings for high-risk groups:3
- Diabetes – 29.9% ($1,687)
- Stroke – 34.7% ($2,831)
- Heart – 23.2% ($2,101)
12015 Cigna National Book of Business study. Results may vary.
2Cigna, "2015 Integrated Value Study." Based on National STD claims with Low Medical Risk Scores incurred 7/2014-12/2014. Excludes customers with associated LTD claims. May 2016. Results may vary.
3"Preventive Dental Treatment Associated with Lower Medical Utilization and Costs," national Cigna study presented at the International Association for Dental Research Meeting, March 2015
Product availability may vary by location and plan type and is subject to change. All group insurance policies and group benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna representative. Cigna group medical, dental and vision plans are insured or administered by CIgna Health and Life Insurance Company (CHLIC) or its affiliates. Disability plans are insured or administered by Life Insurance Company of North America, except in New York, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). Policy forms: Medical – OK: HP-APP-1 et al (CHLIC), TN: HP-POL43/HC-CER1V1 et al (CHLIC); Dental – OK: HP-POL99 et al, TN: HP-POL69/HC-CER2V1 et al (CHLIC); Disability - TL-004700 et al.