healthier
by design
Solutions that keep you saving, earning and in command
Sustainable by design
Steadfast support in your pursuit of health
Ally by design
A complete care system that’s integrated, elevated and uncomplicated
Whole by design
We are healthier
Legal information
Offered by Cigna Health and Life Insurance Company or its affiliates 945680 06/21
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 representative. All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company (CHLIC), Cigna Behavioral Health, Inc., or their affiliates. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC). 945680 06/21
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BODY AND MIND
Connected, personalized solutions Digitally driven experiences Whole-person health, body & mind
ENABLED BY:
Our integrated platform allows for a complete view of your employees
Complete care system
Home
Provider relationships & clinical programs
Medication access, support and financial security
Enhanced emotional well-being
Unique clinical support through our specialty pharmacy
Real-time care delivery including virtual care
Nurse advocates & community support
Digital self-service tools & mobile apps
Cigna One Guide support & 24/7 service
Condition-specific support
Integrated benefits
Holistic, real-time customer data aligns customers to specific care management programs This data ensures more personalized outreach and engagement It also proactively finds gaps in care to improve outcomes and costs Integrated benefits lower costs $227 PMPY on average and improve engagement by 25%
Why this matters
Actionable intelligence using data across medical, pharmacy and behavioral generates a monthly Health Matters Score
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6% total medical cost savings $350 out-of-pocket savings per employee
Team of specialists ensure customers with higher levels of need receive individualized, condition-specific care, improving outcomes and lowering costs
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29% reduction in avoidable ER visits 3% less out-of-network provider utilization 9% increase in preventive care
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Employees who use OneGuide make smarter choices:
With 25% of customers accessing support after 9-5 business hours, Cigna One Guide offers 24/7 live customer service and proactive personal support
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Integrated, personalized and digitally optimized tools put employees in control of their care
Exclusive search technology displays the best-matched, highest-quality, affordable provider first myCigna website and myCigna app intuitively designed for ease in accessing care
Barriers to accessing care can have a big impact on health Support with navigating the health system for vulnerable populations is key to achieving health equity
Nurse advocates and support teams available 24/7, including those who can provide referrals for assistance with transportation, child care, healthy food options and community health centers
With Cigna, customers have access to the largest virtual care networks: 52,000+ and growing across medical, behavioral, preventive and dental care as well as care management
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Customers access care when they need it In 2020, 20% of primary care visits were performed virtually 65% of behavioral care was virtual
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Condition- specific support
A leader in specialty pharmacy with access to over 99.1% of all specialty medications 96% satisfaction rate or higher for the past eight years $6,438 savings PMPY with integrated specialty drug management
Accredo via its Therapeutic Resource Centers (TRCs) provides one-on-one support and counseling for those experiencing a complex health condition and requiring specialty medication
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A network that has doubled in size over the last five years to over 200,000 providers; with access to one of the largest virtual behavioral networks in the country and strong digital tools to make accessing care easy
59% of people with behavioral health disorders do not receive care, driving medical costs 2-3X higher 5,000 providers in the Fast Access network guarantee first appointment in 5 business days for non-prescribers and 15 business days for prescribing providers Enhanced digital self-service tools (iPrevail and Happify) and 3 no-cost visits with a provider in Cigna’s EAP network
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It connects the dots from pharmacy, medical and behavioral needs 20% savings per member per year Generic dispensing rate is 90% (brand drug cost average $500 while generic average $25) Expanding Patient Assurance Program means customers will not pay more than $25 for a 30-day insulin supply 24/7 access to digital tools and licensed pharmacists
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A holistic approach to pharmacy management that focuses on high-value, high-efficacy medication, generic options, and lower out-of-pocket costs
Personalized customer care helps improve health outcomes and savings Partner with 700+ Collaborative Care programs which measure the quality and efficiency of care delivered These arrangements optimize whole-person health High-performing providers deliver 14% lower cost per episode of care on average
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Over 46% of Cigna payments to health care providers in top markets are in alternative payment arrangements across the Open Access Plus (OAP) network and more locally focused networks
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More information
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1. Cigna 2020 Book of Business study of medical customers with integrated medical, pharmacy and total behavioral health vs. those with Cigna medical and carved-out pharmacy. 2. 2018 Nationwide Facets Business Pilot. Cigna Analytics Health Matters Care Management Complete program evaluation. Results based on 12 months of claims data using match case control study compared with PHS+. Incremental 1.5% – 2% savings compared with standard PHS+ from full year 2018 analysis of clients with PHS+ Nationwide. Actual results will vary. 3. Cigna analysis of customer calls and myCigna logins between 8/1/17–8/31/2018 4. Cigna 2019 matched case-control study of 2018 claims for One Guide engaged clients/customers with 24-month coverage compared to non-One Guide population with 24-month coverage. 5. Cigna unique provider data as of August 2020. Subject to change. 6. Milliman. 2/2018 “Potential economic impact of integrated medical-behavioral healthcare 7. Per our agreement with contracted providers. Within 5 business days for first time appointment with non-prescriber; 15 business days for prescriber 8. Savings from 2016–2020 Q2 for formularies that use low net drug cost approach, uses average client pricing. Management inclusive of both ingredient cost and rebate improvements, excludes global business. PMPY= per member per year. Results may vary. 9. Based on Cigna Book of Business analysis for Value formulary, accessed March 2020 10. U.S. Food and Drug Administration (FDA) website, “Generic Drug Facts.” Last updated 06/01/18. 11. Caps contingent on adoption/availability of Patient Assurance Program including, without limitation, availability of manufacturer value. Health benefit plans vary. 12. 2019 analysis based on Express Scripts adjudicated claims volume for commercial and health plan payers for limited distribution, exclusive distribution, and open access specialty drugs. 13. Accredo operations data, 2019. 14. Accredo book of business data, 2019. Total includes manufacturer and charitable programs. Results may vary. 15. Cigna 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 may not be available in all areas. 16. Cigna unique provider data as of January 1, 2021, subject to change. 17. Cigna Analytics U.S. Commercial medical claims, analysis of utilization January 2020 to January 2021 18. 2019 Q4 FFV National Summary in 125 markets. 19. Cigna internal analysis of existing arrangements as of April 2021. 20. Cigna analysis of claims spend in CCD markets for 2017 for the 21 specialties reviewed, July 2018. Weighted average of all markets. Comparisons made against non-Cigna Care Designation providers. Results may vary
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 representative. All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company (CHLIC), Cigna Behavioral Health, Inc., or their affiliates. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC).
CONFIDENCE
Creating and supporting plans healthier by design
Pharmacy consultants & plan optimization
Virtual benefits education
Dedicated implementation manager
Comprehensive reporting
Engagement consultant & wellness strategies
Smooth transition performance guarantees
Integrated stop loss insurance
Online benefits management portal
Strategizing for plan performance & outcomes
Knowledgeable, local team of experts ready to apply 10+ years of client experience to develop a broad benefit strategy
Team of experts ready to design and facilitate the best health plan for employees, to help create a healthier workforce and a healthier business
Convenient 24/7 access to plan benefits Live chat available for added convenience Multi-factor authentication for additional security
Cigna’s online portal gives access to claims, eligibility, benefits, ID cards and reports so you can get the answers you need, all in one place
Stop loss coverage mirrors the underlying medical plan so there are no gaps in coverage. We do not require reporting, separate claim filing, or notification to provide stop loss protection. You never have to wait for individual stop loss reimbursements because Cigna pays claims upfront and only bills what you owe.
When we administer your medical plan and stop loss insurance, we use common systems and medical management protocols to govern medical claim payments and help protect against catastrophic costs.
We guarantee a smooth transition and that Cigna will meet or exceed expected levels of performance on your behalf
Your satisfaction and confidence are important to us We are committed to a successful relationship with our clients and customers
1 in 5 customers have health improvement opportunities which left unaddressed, can lead to a chronic condition 93% of executives agree that investing in a healthy workforce is an investment in business success 90% of Cigna clients feel their health engagement consultant is a valuable resource
Your unique wellness roadmap is designed by our live team of consultants who create wellness strategies that optimize employee well-being and workforce productivity
Comprehensive plan-utilization reporting shows your emerging trends and exactly how your health plan dollars are spent within all of your Cigna benefits – with optimization recommendations
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Understanding employee engagement in your health plan keeps you in control of your benefit strategy
Having a thorough plan and the proper systems in place can make the transition to Cigna a seamless process
A single point of contact for all of your unique implementation needs – and support throughout the plan year
Through a personalized website, you and your employees can learn about specific benefits being offered (including medical, dental and vision) with access to a 24/7 pre-enrollment hotline for additional support
These resources provide options to hosting in-person open enrollment meetings 91% of clients find the virtual benefits education website easy to navigate 98% of clients find the digital flyers and education videos useful
When all your benefits are with us, instead of lowering costs on just one benefit, our recommendations are based on total cost of care – and lower total costs overall Medication is your #1 health care expense
Consultative approach using performance analytics to provide ongoing recommendations to ensure you always get the most from your benefits – and for your dollar
*Reporting availability varies based on the number of employees enrolled in the health plan; some reports are not available for ASO clients under 100 enrolled employees and Risk Clients under 231 enrolled employees.
Dedicated local support teams Live expert health consulting teams 24/7 employee support
1. Cigna 9/2019 HR report. 2. Cigna 2020 Book of Business study of medical customers with integrated medical, pharmacy and total behavioral health. 3. The Economist Intelligence Unit Limited 2021 4. Based on a Nov. 2020 Cigna survey of existing clients with 101-499 eligible employees 5. Cigna Book of Business national study 2019. Projection compares the following health care spend for medical service categories: Drugs and Biologics, Inpatient Facility, Outpatient Facility, Professional Services, Other Medical Services. 6. February 2021 Virtual Benefits Education Survey of Select Cigna Clients 7. Cigna analysis based on book of business data from 1/1/2019–6/30/2019, July 2019
EXPERIENCE
funding options designed around you
Focus on the future
Cigna Graded Funding
Cigna Level Funding
Cigna Fully Insured Plus
Funding options designed for you
We want our clients to win – and our solutions have been working for over 30 years for small to mid-sized employers Opportunity to save money if claims are lower than predicted 2/3 of our clients are in an alternate funding arrangement
Linking self-funding with our engagement team provides a powerful combination to reap the reward of your investment in the health of your employees
Reporting available to provide insights into benefit utilization to see what’s driving costs Provides the security of a fully insured product with opportunity for savings
Fully insured product with the opportunity to save if claims are lower than expected. Renewing clients are eligible to get 50% of the savings back – and if claims are higher than expected, clients do not pay more
Financial predictability with opportunity for savings when claims run favorably $50K average amount that clients with a surplus received in 2020 65% of Level Funding clients received a surplus in 2020; if claims are higher than expected, clients do not pay more
13 year success with Cigna Level Funding in market. New clients offered Level Funding Edge with additional advantages such as performance guarantees, health engagement credits, and a guaranteed surplus
Graded Funding combines all the advantages of self-funding with features designed to meet the needs of small to mid-sized employers
The health care landscape is continually evolving You need a partner who is prepared to solve for these challenges before they impact your business We are expanding solutions such as specialty medication through Accredo, a Cigna company, and partnering with industry-leading capabilities
Addressing long-term affordability challenges to solve for future health care trends
Fully Insured Plus
Integrated stop loss with run-out offers protection from high cost claims. No premium or claim liability in the first month eases the transition to Cigna. Never pay over stop loss limits or wait for reimbursement, which means cash flow is protected. Have better control over healthcare spend with detailed reporting and benefit flexibility.
30 years of experience Constant evolution for sustained savings Expanding capabilities to address long-term challenges
1. Based on Cigna funding history 2. Based on analysis of Cigna Select Segment book of business, Dec 2020 3. Based on Cigna Level Funding history 4. For those clients who have been with Cigna 3+ years, as of December 2020. Results will vary.
Health is an investment in your people and the biggest advantage your company has. We’ll redefine what health can do for your business, by reimagining ways to build your employees’ well-being. Where every solution is filled with intention. And it’s healthier by design.
Healthier by design
Call your broker or Cigna rep
to learn how health can become your biggest advantage.
