Benefit Solutions for Small to Midsize Employers (100-499)
With our integrated health benefits, your employees get more coordinated and personalized care.
Offered by Cigna Health and Life Insurance Company, 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., and Cigna HealthCare of Texas, Inc.
Popular Health Plans for Small to Midsize Employers
Cigna Healthcare℠ 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 | Yes* | No | No |
| Cigna Open Access Plus (OAP) | Seamless, national network Competitive network discounts Employee steerage to high-value in-network providers*** | Large | Yes* | No | No |
| 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 | Yes* | 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
Funding Solutions for Employers
We offer multiple insured and self-funded funding options to help employers pay for employee benefits. Contact your Cigna Healthcare representative to find out what's available.
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 Per Member Per Year (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
Additional Products and Services
Keep building your benefits package with our full range of connected and predictive health services.
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®5. 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, dermatology, and behavioral care.6,7
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 app8 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.
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 Pathwell℠. These products integrate our provider networks and medical benefits management with analytics, clinical expertise, and personalized digital support.
Cigna Pathwell Bone & Joint℠
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.
Helping People Achieve the Best Outcomes for Their Lives
Cigna Healthcare takes a condition-specific approach to health care that personalizes each patient's health journey. (Length: 00:02:01)
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 Cigna Healthcare provides access to virtual care through national telehealth providers as part of your plan. This service is separate from your health plan's network and all services may not be available in all areas; subject to state regulations.
6 Virtual primary care through MDLIVE is only available for Cigna Healthcare medical members aged 18 and older. 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.
7 E-Treatment care is not available in KS, MS, NM, WV, and DC.
8 App/online store terms and mobile phone carrier/data charges apply.
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), Connecticut General Life Insurance Company, Evernorth Behavioral Health, Inc., Evernorth Care Solutions, Inc., Express Scripts, Inc., or their affiliates, [and HMO or service company subsidiaries of Cigna Health Corporation. 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).
© 2025 Cigna Healthcare.
In an emergency, employees should always dial 911 or visit the nearest hospital.