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
Reasons to Partner with Cigna Healthcare
Find out why organizations have chosen us for health insurance and group benefits.
Building a new benefits package?
Why Choose Cigna Healthcare
For more than 100 years, we've served an ally to employers and their employees, committed to not only providing group health insurance but also being there every step of the way.
Through dedicated support, integrated benefits, and strong provider partnerships, we're building a healthier future for your organization, together.
Personalized 24/7 Employee Engagement
Customized support for engaging employees.
At Cigna HealthcareSM*, improving the health and well-being of individuals is fundamental to everything we do. As a health services company, we can create a more comprehensive health experience for your employees. We offer the support they need to get and stay healthy.
How We Encourage Employee Engagement
24/7/365 Health Plan Customer Service
Cigna Healthcare provides the service you need so you can spend less time managing your employee benefits and more time managing your business. You and your employees can get support for using your plan and navigating your benefits 24 hours a day. Translation services are available in 150 languages.
myCigna® Website and Mobile App
On the myCigna.com website and app, covered employees can manage their plan information, access digital ID cards, find virtual care, and locate in-network providers.
Discover more features of myCigna
Your Personal Health Team
Employees have access to a wide array of Health Coaches and Personal Nurse Advocates who will work with your employees to help inform, guide, and support their care plans, confidentially.
Virtual Care (Telehealth) Options Through MDLIVE®
It’s not always easy for your employees to find the time for in-person doctors’ appointments. That’s why Cigna Healthcare has partnered with MDLIVE to offer a suite of convenient virtual care options featuring board-certified providers.1 Employees can be seen for appointments related to preventive care2, urgent care, behavioral health, and more.
Learn more about our virtual care services
Cigna One Guide®
Cigna Healthcare is focused on helping your employees successfully navigate the health care system, with the goal of connecting them to high-value care that results in better health outcomes and lower costs.
Our Cigna One Guide advocacy solution uses a multimodal and personalized approach—via phone, web, app, and live chat—to support your employees wherever and whenever they need us. One Guide provides personalized assistance to help your employees:
- Resolve health care issues.
- Save time and money.
- Get the most out of their plan.
- Find hospitals and health care providers in their plan’s network.
- Get cost estimates and avoid surprise expenses.
- Understand their bills.
My Personal Champion®
The My Personal Champion program is designed for employees with complex and administrative needs related to their health care. Here are some additional features of the program:
- Dedicated team offering tailored support when the employee needs it most.
- Single point of contact that assists in navigating the employee’s health care journey until their needs are resolved.
- Robust education to employees and providers on how best to maximize health care benefits.
- Aligns employees with internal Clinical, Case Management, and Resource Support teams as needed to identify federal, state, or community-based resources that address their needs.
Cigna Smart Support®
We offer a tailored support program—Cigna Smart Support—for employees in government and education-related organizations. These services are made to improve employees' health and well-being as well as reduce health care costs in the public sector.
Controlling Costs and Improving Quality
Our plans and networks are designed to improve your bottom line.
Achieving better health outcomes and sustaining lower health care costs can be an attainable goal that we can help you achieve. Cigna Healthcare offers a large, national network of health care providers as well as focused, more cost-effective networks to suit the unique needs of your organization.
Our supporting programs and services are designed to help improve the health of your employees and save you money.
How We Help You Manage Health Care Costs
Consumer-Driven Health Plans
Many individuals today may not be engaged with their health care purchases and as a result, they may not understand how their plan works or how health care quality and costs can vary between different doctors and facilities.
Cigna Healthcare is out to help change all that. We focus on improving health and spending habits to create an empowered health care consumer. We focus on shifting behaviors, not costs, by employing strategies and tactics designed to create active participants who are encouraged and rewarded for choosing and using quality care.
Learn more about our health savings and spending accounts
Large and Local Provider Networks
We offer a large, national network of health care providers as well as focused, more cost-effective networks to help your employees get the care they need at a cost they can afford.
Browse our medical plan options
Funding Options
Cigna Healthcare offers a suite of insured and self-funded solutions to meet each client’s risk protection and cash flow needs.
View funding solutions for employers
Cost Containment Programs
Our medical cost containment programs are designed to provide more savings to our clients and customers. To help lower costs, we offer several payment and savings programs.
Integrated Services Help Keep Costs Lower
Save more by connecting Cigna Healthcare products and services.
Health costs run deeper than just medical care. Prescriptions. Mental health. Dental care. Care for employees on disability and traveling abroad for business. It can all affect your overall health costs, as well as your workforce productivity and well-being. A 2022 Cigna Healthcare Value of Integration study showed a $148 per member per year medical cost savings when clients have their medical, behavioral, and pharmacy benefits with Cigna Healthcare.3
Our approach to total health is designed to help achieve better health outcomes and savings for your business and help make the health journey easier for your employees—engaging early and providing individualized, ongoing support. This drives better engagement and participation in health improvement plans, resulting in lower total medical costs for our clients.
Benefits of Integrated Services
Connected Pharmacy Benefits
Our integrated pharmacy gives employees a fully connected, personalized approach to change behaviors—in the moments that matter most—to help deliver better total well-being outcomes, and lower pharmacy and total health spending.
Adding a pharmacy benefit to your medical plan can help lower total medical costs and help provide an easier experience for your employees. Being fully connected allows us to leverage data, analytics, and technology on a common clinical platform to proactively work with your employees and health care providers. This helps to ensure drug adherence, receive cost savings alerts, and close gaps in care.
Learn more about Cigna Healthcare Integrated Pharmacy
An Emphasis on Mental and Emotional Well-being
Behavioral and mental health issues can greatly impact the lives of your employees. When left unmanaged, these issues can raise costs and lower productivity. Our comprehensive behavioral health programs engage customers at critical points in their lives and continue to support them beyond.
View our behavioral health programs and services
Bundled Medical and Dental Plans
Medical plans and dental plans work together to educate and motivate employees to understand the importance of oral health for better total health and savings.
Additionally, our Dental Oral Health Integration Program reimburses out-of-pocket costs for preventive dental treatments for those with certain medial conditions (such as heart disease, diabetes, and pregnancy) that put them at greater risk for oral health issues.
Related Insights
Improving Health Through Wellness
More than just health insurance, we help improve health outcomes on a global scale.
Our approach to wellness is based on the concept that individuals require health care services along a continuum. We prioritize both mental health and physical health to support the vitality of your employees, embedding clinical expertise in everything we do.
A culture of well-being is the first step to financial savings through a healthier, more informed population. Employees who are engaged in health and wellness activities can result in improved health, lower costs, greater retention, better productivity, and increased vitality.
Our Guiding Principles for Health Improvement Programs
Easy, Engaging, and Proactive
Healthy choices are convenient for employees with onsite clinics and fitness centers, biometric screenings, and well-being care and coaching designed to inspire improved engagement in their health. Employees also have access to the power of virtual care, from telehealth appointments to digital seminars and more.
Learn more about our health and wellness programs
Measurable and Actionable
Reporting provides employers with detailed, actionable intelligence about their health plans, including:
- How well their current benefit programs are motivating healthier behaviors.
- Short- and long-term opportunities to drive engagement and help lower benefit costs.
Customized and Personal
Each employee has a unique background and needs. Most people engage with their health differently at different stages of their life. We design and implement well-being solutions based on the unique needs and cultures of the people in your employee population.
Focused and Goal-oriented
Our engagement solutions link employers and employees with people, programs, and personalized support to help them overcome obstacles and reach their health goals.
Clinical Quality and Innovation
Cigna Healthcare medical plans help direct employees to high-quality providers and care.
With health costs increasing,4 consumers are demanding more value out of their health care dollars.
At Cigna Healthcare, we work with both traditional and non-traditional care models to improve access, affordability, and convenience for you and your employees.
Our Guiding Principles for Quality, Affordable Care
Value-based Care
Cigna Healthcare is committed to shifting away from traditional fee-for-service provider payments to value-based models that reward providers for the quality of care and health outcomes.
More Participating Providers
- More than 200 Accountable Care (ACO) programs in 34 states serving 3.2 million customers5
- More than 260 specialist programs with 99 specialist groups in six disciplines5
- More than 140 hospital programs5
- 14 localized network options5
Better Outcomes
- 73% of Cigna Collaborative Care providers performed better than market for inpatient admissions6
- 76% performed better than market for avoidable ER visits7
- 13% better than market quality average for preventive health8
- 9% better than market quality average for chronic disease8
- 23% fewer readmissions for quality designated orthopedic providers9
Cigna Collaborative Care (CCC)
Cigna Collaborative Care (CCC) incentivizes providers to deliver the right care for the right value. It gives them more information, insights, and support than ever before. It empowers them to deliver better outcomes—and better results for our clients and customers.
We continue to evolve our collaborative care programs using real-world testing and deep provider and customer insights. Our approach helps us meet customer needs where they get health care: Primary Care Provider (PCP) groups, hospitals, and specialist groups.
We ask CCC programs to track their progress in reducing opioid use while improving pain management and substance use treatment.
Read about how we are fighting the opioid epidemic
Partnering Opportunities for Hospitals and Health Systems
We collaborate closely with providers, hospitals, and health systems to create better patient outcomes.
Learn more about partnerships with hospitals and health systems
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
Explore Products and Solutions
* Offered by Cigna Health and Life Insurance Company
View Cigna Healthcare Company Names
1 Cigna Healthcare provides access to virtual care through national telehealth providers as part of your plan. This service is separate from your health plan's network and may not be available in all areas. Virtual primary care through MDLIVE is only available for Cigna Healthcare medical members aged 18 and older.
2 Not all preventive care services are covered and different plans may cover different things. For example, immunizations for travel are usually not covered. See your plan materials for a complete list of covered preventive care services.
3 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.
4 2022 Employer Health Benefits Survey, KFF, October 27, 2022
5 Cigna Healthcare internal analysis of existing arrangements as of January 2023. Subject to change.
6 Cigna Healthcare 2021 analysis (weighted average) of top Accountable Care program groups. Subject to change.
7 Cigna Healthcare internal analysis of existing 2021 arrangements as of August 2022. Subject to change.
8 Cigna Healthcare internal analysis of existing chronic and preventive measures for Cigna Collaborative Care Arrangements as of Dec. 2021. Subject to change. Results may vary.
9 Admission statistics are based on Cigna Healthcare internal analysis of hip/knee/lumbar claims for April 2020 through June 2021. Subject to change. Results may vary.
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), Evernorth Behavioral Health, Inc., Evernorth Care Solutions, Inc., Express Scripts, Inc., or their affiliates, and Cigna Dental Health, Inc. and its subsidiaries. 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).
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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.