Plans and Services
- Medical
- Pharmacy
- Health and Wellness Programs
- Behavioral Health Programs
- Dental and Vision
- Health Savings and Spending Accounts
- Cost Control Strategies
- Supplemental Health Solutions
- Accidental Injury, Critical Illness, and Hospital Care (Indemnity) Insurance
Who We Serve
By Size
- Small Businesses (2-99 employees)
- Small to Midsize Businesses (100-499 employees)
- Midsize to Large Businesses (500-2,999 employees)
- Large Businesses (3,000+ employees)
By Type
- Hospitals and Health Systems
- Higher Education
- K-12 Education
- State and Local Governments
- Taft-Hartley and Federal
- Third-Party Administrators
- View all business types
International
- Health Insurance for Expats
- IGO/NGOs
- Multinational Businesses
Employer Resources
- Cigna for Employers Portal Features
- Learn more about the tools and resources you'll have access to in the Cigna for Employers online portal.
Plans and Services
Plans and Services
Who We Serve
Who We Serve
- Small Businesses (2-99 employees)
- Small to Midsize Businesses (100-499 employees)
- Midsize to Large Businesses (500-2,999 employees)
- Large Businesses (3,000+ employees)
- Hospitals and Health Systems
- Higher Education
- K-12 Education
- State and Local Governments
- Taft-Hartley and Federal
- Third-Party Administrators
- View all business types
- Health Insurance for Expats
- IGO/NGOs
- Multinational Businesses
Employer Resources
Employer Resources
Group Health Insurance Medical Plans
Our group health insurance plans help your employees find the right level of quality care at the right time.
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There was a problem submitting your data, please try again later.Employer Health Insurance Plans
Our personalized whole health approach and a deep engagement with health care providers gives your employees access to the right level of care at the right time. Through partnerships such as Cigna Collaborative Care®1 and Cigna Care Network®—which are embedded in all our medical networks—providers continuously collaborate to improve health outcomes and eliminate unnecessary costs.
Together, we can help you choose plans that allow your employees to stay healthy and bring their best selves to work every day.
Cigna Healthcare Medical Plans At A Glance
Your plan will vary based on what you discuss with your local Cigna HealthcareSM* representative, but here is a basic summary of what's included in our medical plans. View each plan page for additional details. Have questions?
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Plan
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Highlights
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Network Type
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Out-of-Network Coverage
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Primary Care Provider (PCP) Required
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Referrals to Specialists Required
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Large
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Large
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Local
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Local
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Varies by plan
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Local
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Varies by plan***
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Varies by plan***
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Local
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Varies by plan***
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Varies by plan***
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Large
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N/A
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N/A
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N/A
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** Lock-in plans are available to restrict out-of-network coverage.
*** HMO and Network plans also contain OAP where PCP selection and specialist referrals are not required
**** Made up of a highly collaborative network of providers and facilities
Group Medicare Plans
Find in-network providers
View prescription drug lists
Network Types
Our medical plans are divided into two main network types: Large National Access and Local Solutions.
Large National Access Network
Provides employees with access to a large national network of quality providers and facilities. Employees have the choice to stay in-network or go out-of-network (which can lead to higher out-of-pocket costs). Includes:
Local Solutions Network
Provides employees with access to a local, limited network of quality providers and facilities. The size and scope of the local network varies by each type of plan. Includes:
Features of All Cigna Healthcare Medical Plans
24/7/365 Live Customer Service
Virtual Care
Widespread Coverage and Network of Facilities
Additional Benefits:
Consider Integrating Benefits
Combine medical, pharmacy, and more for an integrated benefits package that could save up to $148 in medical costs per employee per year.6 Integrated customers are also more likely to be engaged and participate in health improvement plans, such as wellness coaching.
Pharmacy
Behavioral Health Programs
Turn Your Health Plan into a Growth Plan Through Integrated Benefits
Turn Your Health Plan into a Growth Plan Through Integrated Benefits
Savings and Spending Accounts
Visit our Knowledge Center for helpful information you can share with your employees:
Explore Products and Solutions
*Offered by Cigna Health and Life Insurance Company
View Cigna Healthcare Company Names
1 Cigna Collaborative Care (CCC) is our approach to achieving the same population health goals as ACOs: better health, affordability and experience. CCC participating providers are not available in all areas.
2 Potential savings estimated, based on an internal national Cigna Healthcare study conducted in 2022 comparing our LocalPlus and LocalPlus IN plans with our Open Access Plus (OAP) and Open Access Plus IN (OAPIN) plans with the same benefit structure, deductibles, copay and out-of-pocket maximum limits. Savings are not guaranteed and will vary depending on plan design, geographic distribution and utilization patterns. Medical cost savings do not directly translate to rate or premium rates.
3 Percentage of savings is estimated based on an internal Cigna Healthcare study conducted in 2021 comparing our SureFit networks to our Open Access Plus (OAP) networks assuming equivalent benefit structure, deductibles, copay and out-of-pocket maximum limits. Savings range represents the potential savings and is not guaranteed. Savings will also vary depending on plan design, geographic distribution and utilization patterns.
4 For Emergency Services as defined by the applicable plan documents.
5 Incentive programs are funded by the employer and may not be available with all product types.
6 Aon was independently engaged to design and perform the Cigna Healthcare 2022 Value of Integration study. This book of business study leveraged a proprietary match case-control methodology, comparing those customers who share certain characteristics (age, gender, health status and benefits) but differ in terms of their medical, pharmacy and behavioral coverage.
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 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.) (CHLIC), Connecticut General Life Insurance Company, Evernorth Behavioral Health, Inc., Evernorth Care Solutions, Inc., Express Scripts, Inc., or (its) their affiliates, and HMO or service company subsidiaries of Cigna Health Corporation, including 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. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT).
Plans include exclusions and limitations and may not be available in all areas. For costs and details of coverage, contact a Cigna Healthcare representative.
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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., 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.
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 Healthcare sales representative. This website is not intended for residents of New Mexico.
La aseguradora publica el formulario traducido para fines informativos y la versión en inglés prevalece para fines de solicitud e interpretación.
The insurer is issuing the translated form on an informational basis and the English version is controlling for the purposes of application and interpretation.