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Medical Indemnity Plan

Freedom for your employees at a manageable cost for your organization.

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With no network requirements, an Indemnity plan can serve your organization no matter where your sites are located.

About the Network Savings Program

Employees can reduce their out-of-pocket costs if they use a provider who participates in the Network Savings Program. The Network Savings Program delivers claim cost savings on many health care providers and facilities that may not covered by our current networks.

Typical Plan Structure

Your plan will vary based on what you discuss with your local Cigna representative, but here is a basic summary of how Indemnity plans typically work:

  • No network requirements for health care providers or facilities
  • Claims must be filed for all covered services
  • Preferred rates for providers who participate in the Network Savings Program
  • Referrals are not required to see a specialist
  • Cost control through flexible plan designs and utilization management

Benefits of Cigna Medical Plans

  • 24/7/365 live customer service, when and where employees need it
  • Digital tools for employees, including the myCigna® mobile app
  • Worldwide coverage for emergencies1
  • Option for employers to offer consumer driven health plan (CDHP) accounts, including health reimbursement accounts (HRAs,) health savings accounts (HSAs), and flexible spending accounts (FSAs) (available with most plan types)
  • Option for employers to bundle pharmacy, behavioral health, dental, and more
  • Optional health and wellness incentive programs to encourage and reward employees2
  • Self-funded and fully insured funding options for employers, if applicable
  • Dedicated client service team

Save money with the right mix of benefits - at the right price

Contact your broker or connect with a Cigna representative to discuss your organization’s unique needs.

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1For Emergency Services as defined by the applicable plan documents.

2Incentive programs are funded by the employer and may not be available with all product types

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 complete details of coverage, contact your Cigna representative. Cigna Indemnity plans are insured and/or administered by Cigna Health and Life Insurance Company. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al.

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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., 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 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