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  • Home Employers Group Health Insurance Medical Plans

    Group Health Insurance Medical Plans

    Our group health insurance plans help your employees find the right level of quality care at the right time.

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    Employer Health Insurance Plans

    Our personalized whole health approach and a deep engagement with health care providers gives your employees access to the right level of care at the right time. Through partnerships such as Cigna Collaborative Care®1 and Cigna Care Network®—which are embedded in all our medical networks—providers continuously collaborate to improve health outcomes and eliminate unnecessary costs.

    Together, we can help you choose plans that allow your employees to stay healthy and bring their best selves to work every day.

    Cigna Healthcare Medical Plans At A Glance

    Your plan will vary based on what you discuss with your local Cigna HealthcareSM* representative, but here is a basic summary of what's included in our medical plans. View each plan page for additional details. Have questions?

    Ask to speak with a Cigna Healthcare representative

     
    Plan
    Highlights
    Network Type
    Out-of-Network Coverage
    Primary Care Provider (PCP) Required
    Referrals to Specialists Required
    • Seamless, national network
    • Competitive network discounts
    • Employee steerage to high-value in-network providers****
    Large
    **
    • National network, similar to OAP
    • Smaller differentials = More employee flexibility with out-of-network care
    • EPO plan available to restrict out of network coverage
    Large
    **
    • Local, limited network that allows for focus on value and savings
    • Up to 18% savings over OAP network2
    • Offers out-of-network coverage for temporary relocation
    Local
    **
    • Hyper-local network, only available in select markets
    • Care is coordinated by a PCP, which can help lower costs and improve health outcomes
    • Up to 15% savings over OAP network3
    Local
    Varies by plan
    • Hyper-local network, only available in select markets
    • Care is coordinated by a PCP, which can help lower costs and improve health outcomes
    Local
    **
    Varies by plan***
    Varies by plan***
    • Hyper-local network, only available in select markets
    • Care is coordinated by a PCP, which can help lower costs and improve health outcomes
    Local
    **
    Varies by plan***
    Varies by plan***
    • No network requirements
    • Cost control provided through flexible plan design
    • Savings program delivers claim cost savings on many health care providers and facilities that may not covered by our current networks
    Large
    N/A
    N/A
    N/A

    ** Lock-in plans are available to restrict out-of-network coverage.

    *** HMO and Network plans also contain OAP where PCP selection and specialist referrals are not required

    **** Made up of a highly collaborative network of providers and facilities

    Group Medicare Plans

    Health care coverage options designed to meet the changing needs of your retired employees and your organization.
    Learn more about Group Medicare Plans

    Find in-network providers

    Staying in-network can help your clients lower costs.

    View prescription drug lists

    See which drugs are covered by your plan.

    Network Types

    Our medical plans are divided into two main network types: Large National Access and Local Solutions.

    Large National Access Network

    Provides employees with access to a large national network of quality providers and facilities. Employees have the choice to stay in-network or go out-of-network (which can lead to higher out-of-pocket costs). Includes:

  • OAP
  • PPO
  • Medical Indemnity
  • Local Solutions Network

    Provides employees with access to a local, limited network of quality providers and facilities. The size and scope of the local network varies by each type of plan. Includes:

  • LocalPlus
  • SureFit
  • HMO
  • Medical Network
  • Features of All Cigna Healthcare Medical Plans

    24/7/365 Live Customer Service

    Employees can get live support anywhere, anytime, whether they have questions about their benefits, are looking for advice from a nurse, or want ways to make the most of their medical plan.

    Virtual Care

    Through MDLIVE, employees have access to a full suite of telehealth options, including urgent care, primary care, behavioral health, and physical therapy.

    Widespread Coverage and Network of Facilities

    Employees have in-network coverage for emergencies4 as well as access to our large national network of labs, x-ray and radiology offices, and dialysis centers.

    Additional Benefits:


  • Cigna Easy Choice Tool
  • Healthy Pregnancies, Healthy Babies
  • My Health Dashboard (includes Health Assessment)
  • Optional health and wellness incentive programs5
  • Digital tools including the myCigna®  mobile app
  • Personal Health Record through WebMD
  • Cigna Healthcare well-being solution, together with Virgin Pulse (included for all businesses with 5-499 employees)
  • Identity Force®  (included for all businesses with under 3,000 employees)
  • Consider Integrating Benefits

    Combine medical, pharmacy, and more for an integrated benefits package that could save up to $148 in medical costs per employee per year.6 Integrated customers are also more likely to be engaged and participate in health improvement plans, such as wellness coaching.

    Pharmacy

    A suite of solutions with options including multiple drug lists and a national network of cost-effective pharmacies.

    Behavioral Health Programs

    Get support from our nationwide network of behavioral care providers and comprehensive programs, tools, and services.
    VIDEO

    Turn Your Health Plan into a Growth Plan Through Integrated Benefits

    Watch how our integrated benefits and whole-person approach improves customers’ engagement with their health. (Length: 00:02:57)
    Watch Video

    Turn Your Health Plan into a Growth Plan Through Integrated Benefits

    Savings and Spending Accounts

    Pair a medical plan with a HSA, HRA, or FSA to help your employees plan and save.
    Learn more about savings and spending accounts

    Visit our Knowledge Center for helpful information you can share with your employees:

    View more insurance articles

    Explore Products and Solutions

    *Offered by Cigna Health and Life Insurance Company

    View Cigna Healthcare Company Names

    1 Cigna Collaborative Care (CCC) is our approach to achieving the same population health goals as ACOs: better health, affordability and experience. CCC participating providers are not available in all areas.

    2 Potential savings estimated, based on an internal national Cigna Healthcare study conducted in 2022 comparing our LocalPlus and LocalPlus IN plans with our Open Access Plus (OAP) and Open Access Plus IN (OAPIN) plans with the same benefit structure, deductibles, copay and out-of-pocket maximum limits. Savings are not guaranteed and will vary depending on plan design, geographic distribution and utilization patterns. Medical cost savings do not directly translate to rate or premium rates.

    3 Percentage of savings is estimated based on an internal Cigna Healthcare study conducted in 2021 comparing our SureFit networks to our Open Access Plus (OAP) networks assuming equivalent benefit structure, deductibles, copay and out-of-pocket maximum limits. Savings range represents the potential savings and is not guaranteed. Savings will also vary depending on plan design, geographic distribution and utilization patterns.

    4 For Emergency Services as defined by the applicable plan documents.

    5 Incentive programs are funded by the employer and may not be available with all product types.

    6 Aon was independently engaged to design and perform the Cigna Healthcare 2022 Value of Integration study. This book of business study leveraged a proprietary match case-control methodology, comparing those customers who share certain characteristics (age, gender, health status and benefits) but differ in terms of their medical, pharmacy and behavioral coverage.

    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 Healthcare representative.

    Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT.) (CHLIC), Connecticut General Life Insurance Company, Evernorth Behavioral Health, Inc., Evernorth Care Solutions, Inc., Express Scripts, Inc., or (its) their affiliates, and HMO or service company subsidiaries of Cigna Health Corporation, including Cigna HealthCare of Arizona, Inc., Cigna HealthCare of California, Inc., Cigna HealthCare of Colorado, Inc., Cigna HealthCare of Connecticut, Inc., Cigna HealthCare of Florida, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Indiana, Inc., Cigna HealthCare of St. Louis, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of New Jersey, Inc., Cigna HealthCare of South Carolina, Inc., Cigna HealthCare of Tennessee, Inc. (CHC-TN), and Cigna HealthCare of Texas, Inc. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT).

    Plans include exclusions and limitations and may not be available in all areas. For costs and details of coverage, contact a Cigna Healthcare representative.

    © 2023 Cigna Healthcare.

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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 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); (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 Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna Healthcare.

    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 New Mexico.

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