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Plans Through Your Employer

Being offered Cigna coverage through work? We can help you understand the highlights of our plans and what's often included so you can make an informed decision during enrollment.

Looking for plans you buy on your own, instead?
Medical Plans Medical Plans Pharmacy Benefits Pharmacy Benefits Dental Plans Dental Plans Vision Plans Vision Plans Supplemental Health Plans Supplemental Health Plans

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Ask your employer or HR department about the plans being offered to make sure you get the most from your coverage.

Benefits of Cigna Medical Plans

$0 Annual Check-ups

Most medical plans offer 100% coverage for in-network, annual preventive care appointments.

Talk to a Nurse 24/7

If you're up, we're up. Nurses available 24/7 to help you decide where to get care.

$0 Virtual Care (Telehealth)

Connect to a board-certified doctor by phone or video chat, day or night, with no additional out-of-pocket cost.

Missing some health coverage through work?

If your employer doesn't offer all the health insurance coverage you and your family might need to stay healthy, you can buy additional coverage on your own.

Shop for dental plans

Shop for supplemental plans

Review Our Plans and Services

The plans below provide a general overview of what Cigna offers employers. Your employer may not offer all of the plans and services shown here. For specific plan details, refer to the official plan documents from your employer.

These tools are often key when making decisions about plan choice. Refer back to them as often as you need to.

Are your doctors in-network?

To find in-network providers, procedures, cost estimates, and more, search Cigna's provider directory.

Is your medication covered?

To find out which prescription medications your plan covers, review the Cigna Prescription Drug List.

Medical Plans

Plans come with mental health benefits and health and wellness programs, and may include spending accounts and pharmacy coverage, as well.

Cigna Open Access Plus (OAP)

Preferred Provider Organization (PPO)

LocalPlus®

Health Maintenance Organization (HMO)

Exclusive Provider Organization (EPO)

Medical Indemnity

Medical Network Plans

SureFit® Plans

Mental Health Benefits

Cigna medical plans come with mental health benefits included. It's just one of the ways we're focused on the whole person--your medical as well as your emotional health.

Mental Health and Substance Use Coverage

Access to licensed mental health providers, services, and resources within Cigna's Behavioral Health Network, including confidential therapy, recovery specialists, and treatment options for substance use.

Employee Assistance Program (EAP)

You and anyone in your household get access to licensed clinicians for help with family and work issues, stress, anxiety. We also provide referrals for legal and financial needs, childcare resources, and other life challenges.

Health and Wellness Programs and Services

When you enroll in a Cigna plan through your employer, you may have access to programs and services to help make your life easier and healthier.

Lifestyle Management Programs

Access to a health coach, online or by phone, to provide you with personalized support if weight, tobacco use, or stress is affecting your health or your ability to live an active life.

Incentive Awards Program

Your employer may offer an Incentives Awards Program to reward you for taking actions to improve your health. Activate your myCigna account to start earning awards, including cash, when you take your health assessment, get an annual check-up, talk to a health coach, start an exercise program, and more.

Cigna Healthy Pregnancies, Healthy Babies® Program

This program offers additional support during and after pregnancy including access to a Cigna Maternity Coach. The program comes with useful tips and tools to help make it a healthier nine months and a healthier baby.

Spending Accounts

Your employer may offer a medical plan that includes a spending account. It can help you plan and pay for a wide variety of health care expenses.

Health Reimbursement Account (HRA)

A HRA is a fund of money in an account that your employer owns and contributes to.

Health Savings Account (HSA)

A HSA is a bank account that you own. You, your employer, and others can contribute to it.

Flexible Spending Account (FSA)

A FSA is a spending account that helps to cover eligible expenses. There are three different types of FSAs.


Pharmacy Benefits

Your pharmacy benefits provide you with access to many Cigna programs and services that can help you manage your health and prescription medication needs.

Home Delivery with Express Scripts® Pharmacy

Get medications delivered to your door with Express Scripts® Pharmacy, our home delivery pharmacy. Home delivery is a convenient and secure option if you take medication on a regular basis to treat an ongoing health condition.

Accredo®, a Cigna Specialty Pharmacy

If you're taking a specialty medication, Accredo, a Cigna specialty pharmacy, can help. They'll provide you with personalized care and support to help you manage your therapy–at no extra cost.

Retail Pharmacies

You have access to thousands of retail pharmacies in our network. These include local pharmacies, grocery stores, retail chains, and wholesale warehouse stores.

Cigna Medication Coaching Program

Cigna's licensed pharmacists are specially trained and certified to help you manage many health conditions. They can help you understand what your medication does and why it’s important to take it as your doctor’s prescribed, and can help you work through side effects. They can also help you find ways to lower your medication costs.

To talk with a Cigna pharmacist, call (800) 835-8981. Call as often as you need to. Your conversations are free and confidential.


Dental Plans

If your employer is offering you dental coverage, select a plan below to see product details.

Cigna Dental Care (DHMO) Plans

Dental Preferred Provider Organization (DPPO) Plans

Dental Exclusive Provider Organization (DEPO) Plans

Dental Indemnity

Not offered dental insurance through your employer?

You can buy a dental plan on your own.


Shop dental plans

Vision Plans

Your employer may offer one of two types of vision care to help you save money on routine eye care, eyewear, and more.

Vision Preferred Provider Organization (VPPO) Plans

Vision Indemnity Plans


Supplemental Health Plans

Your employer may be offering supplemental health coverage that can help provide you with additional financial protection should an unexpected illness or injury occur.

Learn about our Accidental Injury, Critical Illness, and Hospital Care policies

Additional no-cost services

When you enroll in a Cigna Supplemental Health plan, these services are included at no additional cost to you. Programs may vary based on plan.*

Healthy Rewards

Discounts on health and wellness services including nutrition, weight management, vision, hearing, chiropractic care, acupuncture, and more.

My Secure Advantage

Access to 30 days of pre-paid expert money coaching and help with identity theft, fraud resolution, state-specific wills, and other legal documents.

Cigna Health Advocacy Services

Personalized assistance to help you and your family, including parents and parents-in-law, navigate a wide range of health care and health insurance challenges.

Not offered supplemental insurance through your employer?

You can buy supplemental plans on your own. Cigna offers policies that can help pay out-of-pocket medical and household expenses related to serious illness, accidents, or hospitalization.


Shop supplemental plans

Next steps for shoppers

You'll most likely enroll in your plan using your employer's enrollment tool/website. If not, check with your HR department.

Need help understanding how insurance plans work? To learn more, visit the Knowledge Center

Are you a new member?

If you've recently enrolled in a Cigna plan through your employer, here are next steps:

Activate your myCigna account
Check out member programs and services

Buying a plan on your own?

This page features plans you get through an employer. If you're looking for plans you can buy for yourself or your family, we can help get you there.

Find a plan that's right for you

1 Your plan terms may vary. Not all preventive care services are covered by all plans. For example, most immunizations for travel are generally not covered. See your plan documents for a complete list of covered preventive care services.

2 The term DHMO ("Dental HMO") is used to refer to product designs that may differ by state of residence of enrollee, including but not limited to, prepaid plans, managed care plans, and plans with open access features. The Cigna Dental Care plan is not available in all states.

3 These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. Programs are provided through third party vendors who are solely responsible for their products and services. Full terms, conditions and exclusions are contained in the applicable client program description, and are subject to change. Program availability may vary by plan type and location, and are not available where prohibited by law.

4 Not all plans offer home delivery and Accredo as covered pharmacy options. Please log in to the myCigna App or website, or check your plan materials, to learn more about the pharmacies in your plan’s network.

*These programs are NOT insurance and do not provide reimbursement for financial losses.
Some restrictions may apply. Programs and services may be added or discontinued at any time. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. Programs are provided through third party vendors who are solely responsible for their products and services. View your enrollment materials for details, including a description of the programs or services that are included with the specific plan(s) offered through your employer. Program availability may vary by location, and are not available where prohibited by law. My Secure Advantage is a trademark of CLC Incorporated.

A benefit is paid for covered out-of-network emergency dental care. Certain states mandate coverage for dental care received out-of-network. For example, in Minnesota, the plan will pay 50% of the value of your network benefit for covered out-of-network services. In Oklahoma, the plan will pay the same amount it pays network dentists for covered out-of-network services. You are responsible for any charges not covered by the plan. Other states may have similar mandates. Refer to your plan documents for cost and coverage details.

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 representative. Group medical and vision plans are insured and/or administered by Cigna Health and Life Insurance Company (CHLIC) or Connecticut General Life Insurance Company (CGLIC). Medical HMO plans are offered by Cigna HealthCare of Arizona, Inc., Cigna HealthCare of California, Inc., Cigna HealthCare of Colorado, Inc., Cigna HealthCare of Connecticut, Inc., Cigna HealthCare of Florida, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Indiana, Inc., Cigna HealthCare of St. Louis, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of New Jersey, Inc., Cigna HealthCare of South Carolina, Inc., Cigna HealthCare of Tennessee, Inc. (CHC-TN), and Cigna HealthCare of Texas, Inc. Cigna Dental Care (DHMO) plans are insured by Cigna Dental Health Plan of Arizona, Inc., Cigna Dental Health of California, Inc., Cigna Dental Health of Colorado, Inc., Cigna Dental Health of Delaware, Inc., Cigna Dental Health of Florida, Inc., a Prepaid Limited Health Services Organization licensed under Chapter 636, Florida Statutes, Cigna Dental Health of Kansas, Inc. (KS & NE), Cigna Dental Health of Kentucky, Inc. (KY & IL), Cigna Dental Health of Maryland, Inc., Cigna Dental Health of Missouri, Inc., Cigna Dental Health of New Jersey, Inc., Cigna Dental of North Carolina, Inc., Cigna Dental Health of Ohio, Inc., Cigna Dental Health of Pennsylvania, Inc., Cigna Dental Health of Texas, Inc., and Cigna Dental Health of Virginia, Inc. In other states, Cigna Dental Care plans are insured by CHLICor Cigna HealthCare of Connecticut, Inc., and administered by Cigna Dental Health, Inc. Cigna Dental PPO plans are insured or administered by CHLIC or CGLIC, with network management services provided by Cigna Dental Health, Inc. and certain of its subsidiaries. In Texas, the insured dental plan is known as Cigna Dental Choice, and this plan uses the national Cigna DPPO network. Group Universal Life (GUL) insurance policies are insured by CGLIC. Group term life, disability, and voluntary plans are insured or administered by Life Insurance Company of North America (LINA), except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). Policy forms: Medical: 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). Dental (CHLIC): OK – Indemnity/DPPO: HP-POL99/HP-POL-388; DHMO: POL115; OR - Indemnity/DPPO/DEPO: HP-POL68/HP-POL352, DHMO: HP-POL121 04-10; TN – Indemnity/DPPO/DEPO: HP-POL69/HC-CER2V1/HP-POL389, et al., DHMO: HP-POL134/HC-CER17V1 et al. GUL: XX-603404 et al (CGLIC). Group Insurance (LINA): Disability & Term Life - TL-004700 et al, Blanket Accident - BA‑01‑1000.00 et al, Group Accident - GA-00-1000.00 et al. Voluntary (LINA): Accidental Injury - GAI-00-1000, GAI-00-1000.OR; Critical Illness - GCI-00-1000, GCI-02-1000, GCI-00-0000.OR, GCI‑02‑0000.OR et al; Hospital Indemnity - GHIP-00-1000; GHIP-00-1000.ORa.

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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 Georgia, 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). Group Universal Life (GUL) insurance plans are insured by CGLIC. Life (other than GUL), accident, critical illness, hospital indemnity, and disability plans are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). 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