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    • Home Employers Group Health Insurance Medical Plans Medical Indemnity

    Medical Indemnity Plan

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

    Building a new benefits package?

    Medical Indemnity Plans Overview

    With no network requirements, a Medical Indemnity plan can serve your organization no matter where your sites are located in the U.S. Medical Indemnity plans offer your employees flexibility and cost management without product or network restrictions. Employees can also help reduce their out-of-pocket costs by using a provider within our savings program.

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

     
    Plan Features
    Medical Indemnity Plan
    Network Requirements
    Referrals to Specialists Required
    Claims
    Must be filed to be reimbursed for covered health care expenses
    Preferred Rates for Providers
    For providers who participate in our savings program
    Urgent/Emergent Services Coverage
    Cost Control
    Through flexible plan designs and utilization management
    Option to Offer HSA, HRA, or FSA

    Find in-network providers

    Staying in-network can help your employees lower costs.

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    See which drugs are covered by our plans.

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    *Offered by Cigna Health and Life Insurance Company or its affiliates

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    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 Healthcare representative. Cigna Healthcare 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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    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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