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Home Employers Industry InsightsMitigating the Impact of High-Deductible Health Plans

Article | February 2018

Mitigating the Impact of High-Deductible Health Plans

Over the years, employee benefits have changed drastically. Today, employers are migrating to high-deductible health plans (HDHPs) in an attempt to control costs in an industry where costs continue to rise exponentially.

Learn how to help ease the transition to a high deductible health plan by offering employer paid supplemental health solutions that provide additional financial protection for employees.

View the article [PDF]

Related Topics

Consumer-Driven Health Plans Pharmacy Cost Control

Related Insights

Group and Voluntary Industry Spotlight 2016 Survey on Workplace Attitudes in the U.S.

View Cigna Company Names

Sources:

  1. Pew Research Center, “Breadwinner Moms.” Accessed December 2016.
  2. Cigna, “2016 Voluntary Benefits Consumer Survey.” September 2016.

GROUP ACCIDENT, CRITICAL ILLNESS AND HOSPITAL CARE INDEMNITY INSURANCE POLICIES PAY LIMITED BENEFITS ONLY. THEY DO NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE AND ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMIUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. THIS COVERAGE IS NOT A MEDICAID OR MEDICARE SUPPLEMENT POLICY.

Product availability may vary by location and plan type and is subject to change. All group insurance policies and benefit plans may contain exclusions, limitations, reduction of benefits, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact your Cigna representative.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation. Term life, disability, accident, accidental injury, critical illness and hospital care plans or insurance policies are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). Group critical Illness is not available in NY. Policy forms: Disability & Term Life - TL-004700 et al; Accident - GA-00-1000.00 et al; Accidental Injury - GAI-00-1000, GAI-00-1000.OR; Critical Illness - GCI-00-1000, GCI-00-0000.OR; Hospital Care - GHIP-00-1000, GHIP-00-1000.ORa.

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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., 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 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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