Plans and Services
- Medical
- Pharmacy
- Health and Wellness Programs
- Behavioral Health Programs
- Dental and Vision
- Health Savings and Spending Accounts
- Cost Control Strategies
- Supplemental Health Solutions
- Accidental Injury, Critical Illness, and Hospital Care (Indemnity) Insurance
Who We Serve
By Size
- Small Businesses (2-99 employees)
- Small to Midsize Businesses (100-499 employees)
- Midsize to Large Businesses (500-2,999 employees)
- Large Businesses (3,000+ employees)
By Type
- Hospitals and Health Systems
- Higher Education
- K-12 Education
- State and Local Governments
- Taft-Hartley and Federal
- Third-Party Administrators
- View all business types
International
- Health Insurance for Expats
- IGO/NGOs
- Multinational Businesses
Employer Resources
- Cigna for Employers Portal Features
- Learn more about the tools and resources you'll have access to in the Cigna for Employers online portal.
Plans and Services
Plans and Services
Who We Serve
Who We Serve
- Small Businesses (2-99 employees)
- Small to Midsize Businesses (100-499 employees)
- Midsize to Large Businesses (500-2,999 employees)
- Large Businesses (3,000+ employees)
- Hospitals and Health Systems
- Higher Education
- K-12 Education
- State and Local Governments
- Taft-Hartley and Federal
- Third-Party Administrators
- View all business types
- Health Insurance for Expats
- IGO/NGOs
- Multinational Businesses
Employer Resources
Employer Resources
Funding Solutions for Health Plans
Designed to meet your needs and provide opportunities for cost savings.
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There was a problem submitting your data, please try again later.Health Insurance Funding Options for Employers
Funding is how employers pay for employee’s benefits. We offer a full suite of funding solutions that help meet your budgeting and affordability needs and:
- Help manage risk and cash flow to fit your budget.
- Offer payment options to help achieve immediate and sustainable cost savings.
- Drive additional savings when health and wellness programs are successful.
- Drive informed plan design choices to improve affordability.
- Help maximize savings when paired with integrated products.
Types of Funding Solutions
There are two primary types of funding: Insured and Self-Funding. Please check with your broker or Cigna HealthcareSM* representative for availability based on employer size and state.
Insured Funding Solutions
In insured solutions, employers can purchase insurance that covers claims and other expenses. Cigna Healthcare offers multiple insured funding solutions based on an insurance policy.
Self-Funding Solutions
In self-funded solutions, employers pay an administrator to manage the plan while the employer funds claim expenses from their own bank accounts. Cigna Healthcare offers three self-funded solutions based on an Administrative Service Agreement.
Funding Solutions from Cigna Healthcare
|
Insured
|
Self-Funded
|
||||
|---|---|---|---|---|---|
|
Fully Insured
|
Fully Insured Plus
|
Cigna Level Funding®
|
Cigna Graded FundingSM
|
Administrative Services Only (ASO)
|
|
| % share of claims surplus |
0%
|
50% with renewal
|
50% and 67% with renewal
|
100%; Real time
|
100%; Real time
|
| Required eligible employees1 |
51+
|
51+
|
25-999
|
25-499
|
200+
|
| Level of protection |
Full insurance protection
|
Full insurance protection
|
Integrated stop loss
|
Integrated stop loss
|
Optional stop loss protection
|
| Fixed monthly payment |
Premium
|
Premium
|
Admin fees, stop loss premium and claim funding
|
Admin fees and stop loss premium
|
Admin fees and stop loss premium
|
| Variable monthly payment |
N/A
|
N/A
|
N/A
|
Claims up to stop loss levels
|
Claims2
|
1 In most states, Cigna Healthcare offers group insurance coverage to employers with more than 50 full-time employees, as well as administrative services for self-funded plans with as few as 25 full-time employees. Product availability may vary by plan type, group size and location, and is subject to change.
2 Employer funds all claims and is reimbursed by Cigna Healthcare for claims above maximum liability.
More Cost Control Strategies
*Offered by Cigna Health and Life Insurance Company
View Cigna Healthcare Company Names
Product availability may vary by location, group size and plan type and is subject to change. All group health insurance policies, stop-loss insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna Healthcare representative.
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Disclaimer
Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.
All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna Healthcare sales representative. This website is not intended for residents of Arizona and New Mexico.