Cigna offers a variety of health plans so you can find the right one to meet every client's needs

  • Up to 499 Employees
  • 500 or More Employees
  • All Employee Sizes

Health plans designed for smaller to mid-size clients*

Health benefit plans are top-of-mind for your clients. They look to you for solutions that:

  • Provide high-quality benefits and multiple coverage options
  • Provide access to strong provider networks
  • Meet pharmacy needs
  • Help manage costs

Our health plans are tailored to meet the unique needs of your clients. Each health plan combines medical and pharmacy coverage for a more connected health experience that helps clients save money and achieve better health outcomes.

  • Open Access Plus (OAP) plans include a nationwide network that provides optimal pricing and benefits
  • LocalPlus® plans include limited local networks with access to national coverage when traveling anywhere in the country.
  • Cigna SureFit® plans include a narrow network of providers and hospitals that collaborate with Cigna to provide immediate savings for employers.
  • Health Maintenance Organizations (HMOs) require selection of a primary care provider (PCP) who refers customers to in-network specialists

Savings Accounts - Health and Dependent Care

  • Most Cigna medical plans can be combined with a personal savings account. These plans provide flexibilty, affordability and employee ownership of their health care costs.
  • Health Savings Accounts (HSA) - integration of a qualified high deductible medical plan with aa account that can be funded by the employer, the employee or both.
  • Health Reimbursement Accounts (HRA) - integration of a medical plan with an employer funded account.
  • Flexible Spending Accounts (FSA) - tax-advantaged accounts that can reimburse the employee for out of pocket health care and dependent expenses.

*In most states, Cigna offers group insurance coverage to employers with 51 or more full-time employees. It also offers administrative services for self-funded plans with as few as 25 full-time employees. For more information about your state, contact your Cigna sales representative.

Medical plans for employers with 500 or more employees
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Medical plans for employers with all employee sizes
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Custom benefit strategies designed for your clients

We use our core beliefs analysis and online health assessment to help design a customized medical benefits strategy that fits the unique needs of your client's organization.

Connected benefit solutions

Integrated benefit solutions can help control healthcare costs for mid-sized businesses. Integrated benefit solutions include:

  • Medical + Behavioral + Pharmacy
  • Medical + Dental
  • Medical + Pharmacy

In 2017, we achieved a 2-3% lower total medical cost trend compared to our top national competitors*.

We work with you to build client-specific medical plans from our broad portfolio of health plan options.

  • Open Access Plus (OAP) - include a nationwide network providing optimal pricing and benefits
  • Preferred Provider Organizations (PPOs) - offer choice, coverage, convenience and an ever-expanding network with no referrals needed
  • Health Maintenance Organizations (HMOs) - require the selection of a primary care provider (PCP) who makes referrals to in-network specialists

Consumer-driven health plans (CDHPs)

With CDHPs, employees can pay for eligible health care services from personal savings accounts. They see what they spend and have a vested interest managing expenses by staying healthy.

  • Health Savings Accounts (HSAs)
  • Health Reimbursement Accounts (HRAs)
  • Flexible Spending Accounts (FSAs)

These plans help your clients motivate employees to be more health-conscious and accountable for their health.

*Based on Cigna and top three national competitors’ mid-point reported ranges Q1 2018 analyst calls – publicly available information.

Medical plans for employers with up to 499 employees
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Medical plans for employers with all employee sizes
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Whether your clients are looking to maintain medical coverage that employees expect or make a change to increase plan participation and savings, we have a variety of medical insurance plans to meet their needs.

Understanding that your clients have employees with different coverage needs, we offer:

  • Open Access Plus (OAP) plans that include a nationwide network, providing optimal pricing and benefits
  • Preferred Provider Organizations (PPOs) that offer choice, coverage, convenience and an ever-expanding network where referrals aren't necessary
  • Health Maintenance Organizations (HMOs) that require the choice of a primary care physician (PCP) with referrals to in-network specialists
  • Consumer-driven health plans (CDHPs) that focus on shifting behaviors – not costs – to help deliver high rates of satisfaction, engagement and savings

We make it easier for you to build a more connected, comprehensive health plan for your clients. With multiple Cigna benefits, there are opportunities for them to:

  • Save money
  • Improve employee health outcomes
  • Take advantage of more streamlined administration
  • Find protection from unexpected costs

Connecting Cigna benefits also allows for a more holistic view of an employee's health to ensure that their experience is seamless, coordinated and personalized to their needs.

Medical plans for employers with up to 499 employees
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Medical plans for employers with 500 or more employees
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