Medical Indemnity Plan
Freedom for your employees at a manageable cost for your organization.
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 Healthcare℠* representative, but here is a basic summary of how Medical Indemnity plans typically work:
| Plan Features | Medical Indemnity Plan |
|---|---|
| Network Requirements | No |
| Referrals to Specialists Required | No |
| Claims | Must be filed to be reimbursed for covered health care expenses |
| Preferred Rates for Providers | Yes For providers who participate in our savings program |
| Urgent/Emergent Services Coverage | Yes |
| Cost Control | Yes Through flexible plan designs and utilization management |
| Option to Offer HSA, HRA, or FSA | Yes |
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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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