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    • Home Employers Small to Midsize Employers (100-499)

    Benefit Solutions for Small to Midsize Employers (100-499)

    Our group health insurance solutions offer a complete care system for small to midsize businesses.

    Building a new benefits package?

    Popular Health Plans for Small to Midsize Employers

    Cigna HealthcareSM* offers a range of plans and networks for all kinds of businesses, including small to midsize businesses like yours with 100-499 employees. You can work directly with us or your broker to customize networks, plans, and benefit solutions to meet your business needs and workforce.

     
    Plan Highlights Network Type Out-of-Network Coverage Primary Care Provider (PCP) Required Referrals to Specialists Required
    LocalPlus®

    Local, limited network that allows for focus on value and savings

    Up to 18% savings over OAP network1

    Offers out-of-network coverage for temporary relocation

    		 Local
    **
    Cigna Open Access Plus (OAP)

    Seamless, national network

    Competitive network discounts

    Employee steerage to high-value in-network providers****

    		 Large
    **
    Health Maintenance Organization (HMO)

    Hyper-local network, only available in select markets

    Care is coordinated by a PCP, which can help lower costs and improve health outcomes

    		 Local
    **
    		 Varies by plan*** Varies by plan***

    ** 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

    Compare all Medical Plans and Network Types

    Find in-network providers

    Staying in-network can help your clients lower costs.

    View prescription drug lists

    See which drugs are covered by your plan.

    Funding Solutions for Employers

    We offer multiple insured and self-funded funding options employers to help pay for employee benefits. Contact your Cigna Healthcare representative to find out what's available.

    Learn more about funding solutions

    A Complete Benefits Solution for Your Employees

    Our fully connected medical, pharmacy, and behavioral health benefits help drive employee engagement, improve health outcomes, and lower your costs. Our Value of Integration study revealed that connecting medical, pharmacy, and Total Behavioral Health resulted in a $148 PMPY savings2 and a $1,407 PMPY total medical cost savings when identified for a health improvement opportunity like coaching or case management and has improved their health by closing a gap in care or received counseling.3

    Medical

    Compare medical plan networks and other features to find the plans that fit the needs of your organization.

    Pharmacy4

    Our comprehensive pharmacy management has available network, formulary, and member cost saving options.

    Behavioral Health Programs

    Employees can get support from our nationwide network of behavioral care providers and comprehensive programs, tools, and services.

    Additional Products and Services

    Keep building your benefits package with our full range of health services and help drive better total health for employees and a healthier business for you.

    Dental and Vision

    Products, networks, and personalized customer tools help your employees find the right provider for their individual and family needs.

    Supplemental Health Solutions

    We offer accidental injury, critical illness, and hospital care insurance coverage to help prepare for the unexpected.

    Savings and Spending Accounts

    Combine medical plans with HSA, HRA, or FSA to help lower costs and increase plan value.

    Financial Protections

    Integrated funding solutions, Medical Stop Loss Insurance, and Embarc Benefit Protection® offer predictability and protection.

    Why Small to Midsize Businesses Choose Cigna Healthcare

    24/7/365 Employee Support

    Employees can get live support anywhere, anytime, from talking to a nurse to getting proactive guidance for all questions related to their plan or benefits.

    Next Gen Behavioral Health Care

    Our large network of quality behavioral specialists includes virtual therapists through MDLIVE®. We also provide easy-to-access tools for online coaching and self-guided content.

    MDLIVE Virtual Care

    On-call doctors and therapists deliver care whenever and wherever your employees need it. MDLIVE services include primary care, urgent care, dermatology5, and behavioral care.

    Health Engagement Team

    Our team helps employees access their plan, how to best use their plan, and offer ways to improve their health through wellness programs.

    Clinical Expertise

    Employees have access to personalized coaching, treatment decision support, and specialty care management for a range of chronic diseases and conditions.

    Personalized Digital Tools

    myCigna.com® and our mobile app assists employees find providers, deliver quick access to quality care, and offer tools to help manage their plan and coverage at home or on the go.

    Identity Theft Protection

    IdentityForce® for Cigna Healthcare, offered by Sontiq, offers a full range of identity monitoring, restoration, and response services available at no additional cost.

    See more reasons to choose Cigna Healthcare

    Cigna Pathwell: Transforming Care for Complex Conditions

    As a way to improve health outcomes and lower cost for customers with complex health conditions, we've launched Cigna PathwellSM. These products integrate our provider networks and medical benefits management with analytics, clinical expertise, and personalized digital support.

    Cigna Pathwell Bone & JointSM

    Learn more about how Pathwell Bone & Joint is raising the standard of care for musculoskeletal conditions.

    Cigna Pathwell Specialty®

    Learn more about how Pathwell Specialty combines specialty pharmacy and medical capabilities to reduce the cost of drugs for employers and their employees.

    Resources to Share With Your Employees

    Ideal for new enrollees and employees looking for general information on how health plans work.

    Knowledge Center

    Informational articles and resources on a wide range of insurance and health care topics.

    Member Guide

    Getting the most from your plan. Comprehensive info for all new and existing plan holders.

    Cigna for Employers Online Portal

    Get a personalized view of your company's plan, from the products you offer to your employees' digital engagement performance.
    Go to Cigna for EmployersLearn more
    VIDEO

    Turn Your Health Plan into a Growth Plan Through Integrated Benefits

    Watch how our integrated benefits and whole-person approach improves customers’ engagement with their health. (Length: 00:02:57)
    Watch Video

    *Offered by Cigna Health and Life Insurance Company

    In Utah, plans are offered by Cigna Health and Life Insurance Company.

    View Cigna Healthcare Company Names

    1 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.

    2 Aon was independently engaged to design and perform our 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.

    3 Cigna Healthcare supplemented the Aon study with its own study of medical customers who have integrated Cigna Healthcare pharmacy and total behavioral health. Average annual per member per year (PMPY) –client/customer results will vary and are not guaranteed. Cigna Healthcare used a match case-control methodology developed at Harvard University to produce these statistics on different subsets of its customer population (those with particular comorbidities, those who engaged in health improvement activities, etc.).

    4 Pharmacy coverage is only available with Cigna Healthcare-administered medical plans.

    5 Virtual dermatological visits through MDLIVE are completed via asynchronous messaging. Diagnoses requiring testing cannot be confirmed. Customers will be referred to seek in-person care.

    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), 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.

    In an emergency, employees should always dial 911 or visit the nearest hospital.

    Let's Get Started

    Thank you for your interest in Cigna Healthcare. Please provide some basic information about your company and a representative will contact you.

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    Turn Your Health Plan into a Growth Plan Through Integrated Benefits
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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.

    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.

    Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna Healthcare website. Cigna Healthcare may not control the content or links of non-Cigna Healthcare websites. Details

    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.