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Home Employers Healthcare Cost Control Strategies for EmployersFunding Solutions for Health Plans: Insured vs Self-Funded

Funding Solutions

Designed to meet your needs and provide opportunities for cost savings.

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About Funding Solutions

Funding is the method in which an employer pays for employee benefits. Employers can purchase insurance that covers claims and other expenses, known as fully insured funding, or they can self-fund their benefit plan, which means the employer pays an administrator to administer the plan, but the employer funds the claims expenses from their own bank account.

Think about the fully insured and self-funded concepts in the construct of bills that most consumers pay.

Fully Insured is like your cable bill – no matter how many times you turn it on, or how many hours you watch, you pay the same amount each month and you know what you owe. It’s predictable and easy to budget.

Self-Funding is more like your electric bill – you pay as you go, or pay for what you use. You can use more efficient bulbs, turn off unnecessary lighting and take other measures that keep the money in your account.

Cigna recognizes that different employers have different needs. We offer a market-differentiating suite of funding solutions designed to meet these unique needs and offer advantages, such as:

  • 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

Insured Funding Solutions

Cigna offers four insured funding solutions based on an insurance policy. Please check with your broker or Cigna representative for availability based on employer size and state.

Self-Funding Solutions

Cigna offers three funding solutions based on self-funded (ASO) agreements. Please check with your broker or Cigna representative for availability based on employer size and state.

Get long-term cost savings with the right mix of solutions for your business.

Contact your broker or connect with a Cigna representative to discuss your organization’s unique needs.

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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 representative. Group health plans and stop loss insurance policies are insured or administered by Cigna Health and Life Insurance Company or its affiliates. Medical Policy forms: OK - HP-APP-1 et al; OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al.

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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., and Cigna HealthCare of North Carolina, 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 Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna.

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