December 2019

The real value of connected benefits

At Cigna, we know that one of the best ways to control costs and improve the health and well-being of those we serve is to provide simple, connected and affordable solutions. We strive to engage our customers to take control of their health at every turn and make managing benefits easier for our clients.

For the fourth year in a row, Cigna's Value of Integration study proves that connected care is essential to drive real, meaningful results, and it only comes from truly connected benefits. Our retrospective analysis, using methodology developed with KPMG in 2018, continues to demonstrate that connecting medical, pharmacy and behavioral care through integrated benefits enables us to support the whole person, better engage our customers, and reduce total medical costs for our clients.

Supporting the whole person

At Cigna, our approach is different. Real-time data, integrated across benefits, lets us see the full picture of our customers – allowing us to have meaningful, personalized interactions – in the right moment.  The result is that our customers are more engaged in their health and well-being - in fact, our latest study proves it once again*:

  • A 17% higher customer engagement overall, and 11% higher oncology case management engagement rate.
  • 32% lower mental health readmissions, and 18% fewer out-of-network behavioral claims.
  • 43% fewer out-of-network in-patient stays, and 5% higher utilization of in-network high-performing providers.
  • Opioid misuse treatment – improved outcomes:
    • 15% higher rate of Medication Assisted Therapy utilization or other substance abuse methods.
    • 30% less likely to have a subsequent opioid overdose, when experienced one year prior.

Lowering total medical costs

Employers offering triple-integration benefits through Cigna (medical, pharmacy and comprehensive behavioral) continue to see meaningful savings in total medical costs as compared to those who carve-out benefits individually. In fact, those with fully integrated benefits in the 2019 study*:

  • Saved an average of $207 annually for each covered individual and $867 annually for individuals with a known health improvement opportunity, compared to $645 in 2018.
  • Saw average annual medical cost savings of $7,372 for individuals with conditions requiring a specialty medication, such as multiple sclerosis or rheumatoid arthritis.
  • Showed average annual savings of over $11,679 for individuals with an oncology diagnosis and 24% lower oncology inpatient costs.
  • Experienced 4% lower out-of-network costs.

What makes Cigna unique, is that our entire approach to care considers the whole person – body and mind. And for the fourth year in a row, our Value of Integration study proves that Cigna customers are more engaged, supported, and proactive in their care. And with this engagement, Cigna clients, who chose a fully connected plan, not only have a healthier, more productive workforce but also a healthier bottom line.

*Cigna 2019 book of business study of medical customers who have Cigna pharmacy + behavioral benefits vs. those with Cigna medical + basic behavioral. Individual client/customer results will vary and not guaranteed. Average annual per member per year (PMPY)

KPMG LLP, a Delaware limited liability partnership and the U.S. member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative ("KPMG International"), a Swiss entity. KPMG did not validate the Cigna 2019 Pharmacy Integration Study, but reviewed the approach and methods used to conduct the 2018 study and found them to be reasonable and appropriate. The same methodology was used in the 2019 study. Cigna used a published academic method and appropriate statistical tests and rigor. KPMG was engaged by Cigna to perform this review of their analysis. KPMG did not conduct an independent analysis to verify any results. KPMG did not audit the data or the programming code used to conduct the study. The data used for the study was Cigna’s own internal data.

Study based on unaudited 2018 Cigna customer/claims data and represent historical differentials associated with study data set. Future results may vary by time frame, account, member, and other factors. Study results do not constitute an audit, a review or other form of assurance with any generally accepted auditing, review or other assurance standards, and do not represent any form of assurance.