Plans and Services
- Medical
- Pharmacy
- Health and Wellness Programs
- Behavioral Health Programs
- Dental and Vision
- Health Savings and Spending Accounts
- Cost Control Strategies
- Supplemental Health Solutions
- Accidental Injury, Critical Illness, and Hospital Care (Indemnity) Insurance
Who We Serve
By Size
- Small Businesses (2-99 employees)
- Small to Midsize Businesses (100-499 employees)
- Midsize to Large Businesses (500-2,999 employees)
- Large Businesses (3,000+ employees)
By Type
- Hospitals and Health Systems
- Higher Education
- K-12 Education
- State and Local Governments
- Taft-Hartley and Federal
- Third-Party Administrators
- View all business types
International
- Health Insurance for Expats
- IGO/NGOs
- Multinational Businesses
Employer Resources
- Cigna for Employers Portal Features
- Learn more about the tools and resources you'll have access to in the Cigna for Employers online portal.
Plans and Services
Plans and Services
Who We Serve
Who We Serve
- Small Businesses (2-99 employees)
- Small to Midsize Businesses (100-499 employees)
- Midsize to Large Businesses (500-2,999 employees)
- Large Businesses (3,000+ employees)
- Hospitals and Health Systems
- Higher Education
- K-12 Education
- State and Local Governments
- Taft-Hartley and Federal
- Third-Party Administrators
- View all business types
- Health Insurance for Expats
- IGO/NGOs
- Multinational Businesses
Employer Resources
Employer Resources
Benefit Solutions for Small to Midsize Employers (100-499)
Our group health insurance solutions offer a complete care system for small to midsize businesses.
Building a new benefits package?
Popular Health Plans for Small to Midsize Employers
Cigna HealthcareSM* offers a range of plans and networks for all kinds of businesses, including small to midsize businesses like yours with 100-499 employees. You can work directly with us or your broker to customize networks, plans, and benefit solutions to meet your business needs and workforce.
| Plan | Highlights | Network Type | Out-of-Network Coverage | Primary Care Provider (PCP) Required | Referrals to Specialists Required |
|---|---|---|---|---|---|
| LocalPlus® |
Local, limited network that allows for focus on value and savings Up to 18% savings over OAP network1 Offers out-of-network coverage for temporary relocation |
Local |
|
|
|
| Cigna Open Access Plus (OAP) |
Seamless, national network Competitive network discounts Employee steerage to high-value in-network providers**** |
Large |
|
|
|
| Health Maintenance Organization (HMO) |
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*** |
** 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
Find in-network providers
View prescription drug lists
Funding Solutions for Employers
We offer multiple insured and self-funded funding options employers to help pay for employee benefits. Contact your Cigna Healthcare representative to find out what's available.
A Complete Benefits Solution for Your Employees
Our fully connected medical, pharmacy, and behavioral health benefits help drive employee engagement, improve health outcomes, and lower your costs. Our Value of Integration study revealed that connecting medical, pharmacy, and Total Behavioral Health resulted in a $148 PMPY savings2 and a $1,407 PMPY total medical cost savings when identified for a health improvement opportunity like coaching or case management and has improved their health by closing a gap in care or received counseling.3
Medical
Pharmacy4
Behavioral Health Programs
Additional Products 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
Supplemental Health Solutions
Savings and Spending Accounts
Financial Protections
Why Small to Midsize Businesses Choose Cigna Healthcare
24/7/365 Employee Support
Employees can get live support anywhere, anytime, from talking to a nurse to getting proactive guidance for all questions related to their plan or benefits.
Next Gen Behavioral Health Care
Our large network of quality behavioral specialists includes virtual therapists through MDLIVE®. We also provide easy-to-access tools for online coaching and self-guided content.
MDLIVE Virtual Care
On-call doctors and therapists deliver care whenever and wherever your employees need it. MDLIVE services include primary care, urgent care, dermatology5, and behavioral care.
Health Engagement Team
Our team helps employees access their plan, how to best use their plan, and offer ways to improve their health through wellness programs.
Clinical Expertise
Employees have access to personalized coaching, treatment decision support, and specialty care management for a range of chronic diseases and conditions.
Personalized Digital Tools
myCigna.com® and our mobile app assists employees find providers, deliver quick access to quality care, and offer tools to help manage their plan and coverage at home or on the go.
Identity Theft Protection
IdentityForce® for Cigna Healthcare, offered by Sontiq, offers a full range of identity monitoring, restoration, and response services available at no additional cost.
Cigna Pathwell: Transforming Care for Complex Conditions
As a way to improve health outcomes and lower cost for customers with complex health conditions, we've launched Cigna PathwellSM. These products integrate our provider networks and medical benefits management with analytics, clinical expertise, and personalized digital support.
Cigna Pathwell Bone & JointSM
Cigna Pathwell Specialty®
Resources to Share With Your Employees
Ideal for new enrollees and employees looking for general information on how health plans work.
Knowledge Center
Member Guide
Cigna for Employers Online Portal
Turn Your Health Plan into a Growth Plan Through Integrated Benefits
Small to Midsize Employers Also Bought:
Related Insights
*Offered by Cigna Health and Life Insurance Company
In Utah, plans are offered by Cigna Health and Life Insurance Company.
View Cigna Healthcare Company Names
1 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.
2 Aon was independently engaged to design and perform our 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.
3 Cigna Healthcare supplemented the Aon study with its own study of medical customers who have integrated Cigna Healthcare pharmacy and total behavioral health. Average annual per member per year (PMPY) –client/customer results will vary and are not guaranteed. Cigna Healthcare used a match case-control methodology developed at Harvard University to produce these statistics on different subsets of its customer population (those with particular comorbidities, those who engaged in health improvement activities, etc.).
4 Pharmacy coverage is only available with Cigna Healthcare-administered medical plans.
5 Virtual dermatological visits through MDLIVE are completed via asynchronous messaging. Diagnoses requiring testing cannot be confirmed. Customers will be referred to seek in-person care.
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), or its affiliates. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT). Policy forms: OK – HP-APP-1 et al., OR – HP-POL38 02-13, TN – HP-POL43/HC-CER1V1 et al. (CHLIC); GSA-COVER, et al. (CHC-TN).
©
In an emergency, employees should always dial 911 or visit the nearest hospital.
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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 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). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.
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 Arizona and New Mexico.