Group Health Insurance Medical Plans

Our group health insurance plans help your employees find the right level of quality care at the right time.

Plans 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.

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 Healthcare℠ 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	Highlights	Network Type	Out-of-Network Coverage	Primary Care Provider (PCP) Required	Referrals to Specialists Required
Cigna Open Access Plus (OAP)	Seamless, national network Competitive network discounts Employee steerage to high-value in-network providers***	Large	Yes*	No	No
Preferred Provider Organization (PPO)	National network, similar to OAP Smaller differentials = More employee flexibility with out-of-network care EPO plan available to restrict out of network coverage	Large	Yes*	No	No
LocalPlus^®	Local, limited network that allows for focus on value and savings Up to 18% savings over OAP network² Offers out-of-network coverage for temporary relocation	Local	Yes*	No	No
Cigna SureFit^®	Hyper-local network, only available in select markets Care is coordinated by a PCP, which can help lower costs and improve health outcomes Up to 15% savings over OAP network³	Local	No	Yes	Varies by plan
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**
Medical Network	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**
Medical Indemnity	No network requirements Cost control provided through flexible plan design Savings program delivers claim cost savings on many health care providers and facilities that may not covered by our current networks	Large	N/A	N/A	N/A

* 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

View health insurance plans by organization size or type

Find in-network providers

Staying in-network can help your employees lower costs.

View prescription drug lists

See which drugs are covered by our plans.

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:

OAP

PPO

Medical Indemnity

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

Employees can get live support anywhere, anytime, whether they have questions about their benefits, are looking for advice from a nurse, or want ways to make the most of their medical plan.

Virtual Care

Through MDLIVE, employees have access to a full suite of telehealth options, including urgent care, primary care, behavioral health, and physical therapy.

Widespread Coverage and Network of Facilities

Employees have in-network coverage for emergencies⁴ as well as access to our large national network of labs, x-ray and radiology offices, and dialysis centers.

Additional Benefits:

Cigna Easy Choice Tool
Digital tools including the myCigna^® mobile app
Healthy Pregnancies, Healthy Babies
Personal Health Record through WebMD
My Health Dashboard (includes Health Assessment)
Cigna Healthcare Well-Being Solution, together with Virgin Pulse
Optional health and wellness incentive programs⁵
Identity Force^® (included for all businesses with under 3,000 employees)

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

A suite of solutions with options including multiple drug lists and a national network of cost-effective pharmacies.

Behavioral Health Programs

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

Explore Products and Solutions

By Products and Services

By Business Size

By Business Type

View medical plans and solutions by business type

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), 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).

Plans include exclusions and limitations and may not be available in all areas. For costs and details of coverage, contact a Cigna Healthcare representative.

Group Health Insurance Medical Plans

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Employer Health Insurance Plans