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Plans and Services
Medical Savings and Spending Accounts (HRA/HSA/FSA) Wellness, Mental Health, and Behavioral Pharmacy Dental and Vision Cost Control Strategies Supplemental Health Solutions

Accidental injury, critical illness, and hospital care.
Who We Serve

Who We Serve

Who We Serve Overview
By Size
Small Employers (51 - 499) Medium Employers (500 - 2,999) Large Employers (3,000+)
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Health Insurance for Expats IGO/NGOs Multinational Businesses
By Type
Hospitals and Health Systems Higher Education K-12 Education State and Local Governments Taft-Hartley and Federal Membership and Affinity Groups Third Party Administrators
Why Cigna

Why Cigna

Why Cigna Overview

Controlling costs, improving employee health, and personalized service are just a few of the ways we can help your organization thrive.
Industry Insights

Industry Insights

Industry Insights Overview
Featured Topics
Informed on Reform Workplace Wellness Consumer-Driven Health Plans
Medical Savings and Spending Accounts (HRA/HSA/FSA) Wellness, Mental Health, and Behavioral Pharmacy Dental and Vision Cost Control Strategies Supplemental Health Solutions Who We Serve Overview Small Employers (51 - 499) Medium Employers (500 - 2,999) Large Employers (3,000+) Hospitals and Health Systems Higher Education K-12 Education State and Local Governments Taft-Hartley and Federal Membership and Affinity Groups Third Party Administrators Health Insurance for Expats IGO/NGOs Multinational Businesses Why Cigna Overview Industry Insights Overview Informed on Reform Workplace Wellness Consumer-Driven Health Plans Log in to Employer Portal
Home Employers Who We ServeBenefit Solutions for Large Employers

Benefit Solutions for Large Employers (3,000+)

Your employees span the spectrum of health needs. Our personalized health services and customized benefit plans can help them reach their health goals—and help you grow your bottom line.

Building a new benefits package?

Ask to speak with a Cigna representative

Popular Network Options for Large Employers

Cigna offers a range of plans and networks for all kinds of businesses. You can work directly with us or your broker to customize networks, plans, and benefit solutions to meet your business needs and workforce.
Plan name
Network type
In-network and out-of-network option
Primary Care Provider (PCP) required
Need referral to see a specialist
Wellness/Incentives (optional)1
Self-funded options
Option to offer HSA, HRA, or FSA
Open Access Plus (OAP)
Large (National)
Optional
PPO
Large (National)
LocalPlus
Limited service areas with Away from Home Care.
Optional

Network Types

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

Large national access means nationwide networks of quality providers and options to choose in- or out-of-network (with in-network offering savings advantages).

Local solutions give employees access to focused, local networks of quality providers and facilities.

Compare all Medical plans and networks

Funding Solutions 

Solutions to help manage risk, cash flow, and control costs for insured and self-funded plans.
 
Insured
 
 
 
Self-Funded
 
 
 
Fully Insured
Fully Insured Plus
Shared Returns® Fully Insured
Shared Returns® Minimum Premium
Cigna Level FundingSM
Cigna Graded FundingSM
Administrative Services Only (ASO)
% share of claims surplus
0%
50% with renewal
100% with renewal
100%; Real time with renewal
50% and 67% with renewal
100%; Real time
100%; Real time
Required eligible employees1
51+
51+
200+
200+
25-999
25-499
200+
Level of protection
Full insurance protection
Full insurance protection
Full insurance protection
Full insurance protection
Integrated stop loss
Integrated stop loss
Optional stop loss protection
Fixed monthly payment
Premium
Premium
Premium
Reduced 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
Claims2
N/A
Claims up to stop loss levels
Claims2

¹ In most states, Cigna 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 for claims above maximum liability.

Your complete benefits solution

Our whole-person health approach combines medical, pharmacy, and behavioral health to help drive employee engagement, improve health outcomes, and lower your costs.

Medical

Compare medical plan networks and other features to find the plans that fit the needs of your organization.

Pharmacy*

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

Behavioral Health & Wellness

Keep employees thriving with support from our nationwide network of behavioral care providers and comprehensive programs, tools, and services.

Keep building your benefits package with our full range of health services and help drive better total health for employees and a healthier business for you.

Dental and Vision

Products, networks, and personalized customer tools help your employees find the right provider for their individual and family needs.

Supplemental Health Solutions

We offer accidental injury, critical illness, and hospital care insurance coverage to help prepare for the unexpected.

Financial Protections

Integrated funding solutions, Medical Stop Loss Insurance, and Embarc Benefit ProtectionSM offer predictability and protection.

The value of integrating benefits 

Cigna's Value of Integration study revealed that connecting medical, pharmacy, and Total Behavioral Health resulted in a $227 PMPY savings1 and a 17% higher customer engagement in medical case management and behavioral coaching.2

VIDEO

Cigna Value of Integration

Watch how our integrated benefits and whole-person approach improves customers’ engagement with their health. (Length: 00:02:45)

Watch

Welcome to Your New Growth Plan

How Cigna supports your employees

  • Best in class virtual care with MDLive®, Cigna's virtual care platform, has doctors and therapists "on-call," delivering care whenever and wherever your employees need it.
  • Next gen behavioral health care. Cigna's behavioral health includes on-demand therapists through MDLive, and digital resources for easy access to online coaching and self-guided content.
  • Clinical expertise, no matter where employees fall on the health spectrum. Includes personalized coaching, treatment decision support, and specialty care management for a range of chronic diseases and conditions.
  • myCigna.com and mobile app offer employees guidance to high-performing providers and quality care, and empower them to self-manage their plan and coverage at home or on-the-go.
  • 24/7 live support provides employees with options that include talking to a nurse and proactive guidance for all questions related to their plan or benefits.

Learn more about Cigna's personalized customer engagement

Resources to share with your employees

Ideal for new enrollees and employees looking for general information on how health plans work.

Knowledge Center

Informational articles and resources on a wide range of insurance and health care topics.

Member Guide

Getting the most from your plan. Comprehensive info for all new and existing plan holders.

VIDEO

Welcome to Your New Growth Plan

Find out how to drive growth for your business when you invest in the health and well-being of your people.  (Length: 00:02:00)

Watch

Large employers also bought

Dental Vision Employee Assistance Program Supplemental Health Solutions

Related insights

Addressing Health Disparities Within Your Workforce [PDF] Building Greater Resilience in America

Explore all products

Medical Pharmacy* Behavioral Health and Wellness Dental and Vision Supplemental Health Solutions Savings and Spending Accounts (HRA/HSA/FSA) Stop Loss Insurance Group Medicare Plans

View Cigna Company Names

*Pharmacy coverage is only available with Cigna-administered medical plans.

1 $227 per member per year costs savings when you connect Medical, Cigna Total Behavioral Health and Pharmacy benefits. 2019 Cigna national Book of Business study of medical customers who have Cigna medical, pharmacy and Cigna Total Behavioral Health benefits vs. those with Cigna medical, pharmacy and FFS Inpatient only behavioral benefits. Individual client/customer results will vary and are not guaranteed.

2 Cigna 2019 book of business study of medical customers who have Cigna Pharmacy + Total Behavioral Health vs those with Cigna medical and basic behavioral. Individual client/customer results will vary and not guaranteed. Average annual per member per year (PMPY).

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; OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al.

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Cigna Value of Integration

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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 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.

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 sales representative. This website is not intended for residents of New Mexico.

Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website. Cigna may not control the content or links of non-Cigna websites. Details