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    • Home Employers Cost Control Strategies Defined Contributions

    Defined Contributions

    Fixed employer contributions are a good choice for organizations that face continued pressure on affordability of health benefits.

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    Reducing Employer Health Insurance Costs

    Defined contributions from Cigna HealthcareSM* allow employers to establish an annual dollar contribution amount per employee to spend on all health care plan coverage. When paired with a private exchange or marketplace, defined contributions stabilize costs for employers and give employees a better understanding of the total cost of their plan, while offering more choices.

    How Defined Contribution Plans Work

    1. Employer contribution uses pre-tax dollars.
    2. An employee uses the employer contribution to select products that best meet their needs.
    3. Employers have multiple options to structure a cost-effective approach to help employees pay for their benefits.
    4. Employees stay invested in making smart choices.

    Benefits of Cigna Healthcare Medical Plans

    • Option for employers to bundle pharmacy, behavioral health, dental, and more
    • Optional health and wellness incentive programs to encourage and reward employees
    • Dedicated client service team

    *Offered by Cigna Health and Life Insurance Company

    View Cigna Healthcare Company Names

    Product availability may vary by location, group size and plan type and is subject to change. All group health insurance policies, stop-loss 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), or its affiliates. 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).

    © 2023 Cigna Healthcare.

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    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.

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    The insurer is issuing the translated form on an informational basis and the English version is controlling for the purposes of application and interpretation.