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Achieving better health outcomes and sustaining lower health care costs can be an attainable goal. We can help. Cigna offers a large, national network of health care providers as well focused, more cost effective networks to suit the unique needs of your organization.
Our supporting programs and services are designed to help improve the health of your employees and save you money.
How We Design Plans to Lower Your Health Care Costs
Quality, Cost-Effective Providers
Focusing on high performing providers brings even more potential for savings through Cigna's other network options.1
Consumer Driven Plans
A Cigna study shows that clients who choose to offer consumer-directed health plans could see medical costs decrease by an average of 12% in the first year.2
In addition to fully insured plans, Cigna offers a suite of funding solutions to meet each client's risk protection and cash flow needs.
The Right Network for You
Our large network of 840,000 participating doctors and 15,000 hospitals and facilities helps ensure employees are less likely to go out of network to get the care they need at a cost they can afford.
Cost Containment Programs
Cigna's cost containment programs are designed to provide more medical savings to our clients and customers. To help lower costs, we offer:
- Complex Claim Review, our coding and billing review program, on a pre-pay basis, helps ensure doctors and other health care providers submit reasonable, accurate and appropriate charges for complex claims.
- Network Savings Program (NSP) and Bill Negotiation Services (BNS) help reduce out-of-network costs for hospitals, health care facilities and doctors who may offer services at discounted rates. These programs are used in combination with the employer's maximum reimbursable charge.
- Post Pay Audit Recovery Programs that review certain medical bills to determine the reasonableness, appropriateness and accuracy of charges.
- Maximum Reimbursable Charge (MRC) to help 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 provider for a covered service.
A Cigna study showed that clients who choose to offer consumer-directed health plans could see medical costs decrease by 12% on average in the first year.2
Cigna Choice Fund ® is a true consumer-focused solution – one that puts the individual's needs and goals first by focusing on their health improvement efforts. This focus can create engaged customers who take appropriate action to improve their health and reduce medical costs.
With Cigna Choice Fund ®, you can offer employees an option between health savings account, (HSA), health reimbursement account (HRA) and flexible savings account (FSA)-compatible plans, providing additional opportunities for savings.
Many individuals today may not be engaged with their health care purchases and as a result, they may not understand how their plan works or how health care quality and costs can vary between different doctors and facilities. Cigna is out to help change all that. We focus on improving health and spending habits to create an empowered health care consumer. We focus on shifting behaviors, not costs, by employing strategies and tactics designed to create active participants who are encouraged and rewarded for choosing and using quality care.
Funding Arrangements for Health Care
Cigna is dedicated to giving your company a sustainable, competitive edge, with health services designed to keep health benefit costs under control and keep your employees healthier in the process. Your account support team will help you and your employees get the maximum value out of your health plan. Funding arrangements include:
Self-Funded Plans.You fund covered claims and Cigna provides the plan administration
Participating Funding.Cigna provides full protection for covered claims, cash flow advantages and the ability to participate in your claim experience
Shared Returns ® Fully Insured.You have complete protection from high claim costs and predictable expenses that are easy to budget
Shared Returns Minimum Premium.A fully insured arrangement where you get lower monthly payments and premium tax savings when claims are lower than expected.
1Cigna internal analysis of Cigna Collaborative Care, Large Group annual results for 2013 (2014). ROI Methodology = (Total Savings-Total CCF Costs)/Total CCF Costs. Reflects performance since inception of the most mature groups, with experience of two or more years.
2Eighth Annual Cigna Choice Fund Experience Study, 2014 Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna representative. Group health plans are insured or administered by Cigna Health and Life Insurance Company or its affiliates. Policy forms: OK - HP-APP-1 et al; TN - HP-POL43/HC-CER1V1 et al