The Clearity Plan for Employers
A modern, predictable copay-only medical plan that helps your employees make confident decisions.
The Clearity Plan Overview
The Clearity plan is a copay‑only medical plan that employers can offer alongside other Cigna Healthcare® plans. It is designed to make health care costs easier to understand and more predictable for employees, with no deductibles and no coinsurance.
Member copays will vary based on what you decide with your local Cigna Healthcare representative. See below for a summary of how Clearity works:
| Plan Features | Clearity |
|---|---|
| Deductible | No |
| Coinsurance | No |
| Copay Financial Assistance | Yes |
| PCP Required | No |
| PCP Auto-Assignment Included | No |
| Referrals to Specialists Required | No |
| Out-of-Network Coverage | Yes** |
| Urgent/Emergent Services Coverage | Yes |
| Option to Offer HSA | No |
| Option to Offer HRA or FSA | Yes*** |
**Varies by plan selection
*** Available but not standard; requires moving to an alternate bank
Clearity is estimated to deliver up to 10% savings in the first year through steerage, virtual care options, and benefit designs.*
Convenient and Transparent Coverage
Financial Assistance
Up to $3,000 credit with 0% interest to help with medical copays.1
Large Provider Network
Employees have access to a broad range of doctors and hospitals through the Open Access Plus (OAP) network.
Predictable, Upfront Copays
Employees can see their copay cost in the myCigna® Find Care tool before scheduling an appointment.
Seamless Digital Experience
The Clearity plan is integrated with myCigna, providing employees access to care management tools.
Introducing the Clearity Plan
Meet Clearity, a copay‑only health plan designed to make costs clearer and care decisions more manageable from the start. (Length: 00:01:03)
Ready to learn more about Clearity?
Contact your Cigna Healthcare representative to learn more.
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* Predicted savings based on internal analysis of Cigna Healthcare group medical claims from 1/1/2022 to 12/31/2023 compared to anticipated behavior impacts of our benefit designs and steerage. This is for informational purposes only. Cigna Healthcare makes no guarantee related to future product availability, performance, or results. This information could change. Results may vary.
1 Cigna Healthcare contracts with a third party who provides access to copay financial assistance services. Cigna Healthcare is not a lender and does not offer or extend credit. A separate contract may not be required. Clients may opt out of this feature. Terms and fees may vary.
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), Evernorth Care Solutions, Inc., Evernorth Behavioral Health, Inc., Express Scripts, Inc. or their affiliates. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT)