Benefit Solutions for Small Employers (51-499)*
Our group health insurance solutions offer a complete care system for small to midsize businesses.
Building a new benefits package?
Popular Network Options for Small to Midsize 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.
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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.
Solutions to help manage risk, cash flow, and control costs for insured and self-funded plans.
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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.
Behavioral Health & Wellness
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
Supplemental Health Solutions
Integrated funding solutions, Medical Stop Loss Insurance, and Embarc Benefit ProtectionSM offer predictability and protection.
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 appoffer 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.
Resources to share with your employees
Ideal for new enrollees and employees looking for general information on how health plans work.
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
Cigna Value of Integration
Watch how our integrated benefits and whole-person approach improves customers’ engagement with their health. (Length: 00:02:45)
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*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.
**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.
Cigna Value of Integration
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Cigna Company Information
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
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.