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Innovative Plan Designs for the Select Market

In today’s rapidly changing business environment, organizations and their employees have multiple and evolving benefits needs. Employers are looking for ways to lower their health care costs without having employees absorb more of the expenses. Meanwhile, employees are looking for financial protection. Simultaneously, some employers are looking to increase adoption and penetration into Health Savings Account (HSA) and/or Health Reimbursement Account (HRA) plans.

With many clients offering HSA and/or HRA plans, Cigna has seen firsthand the value they can bring to employers and employees alike. However, moving from a traditional to a high-deductible health plan (HDHP) can be a concern for employees due to the potential out-of-pocket expenses associated with these plans. Cigna has introduced a solution that includes the HSA/HRA Medical Plan bundled with supplemental group employer-paid Hospital and Accident Coverage. This bundled offering is designed specifically to provide employees with comprehensive health care coverage and additional financial protection to help ease out-of-pocket health care costs.

This integrated solution is specifically designed for employers with fewer than 500 employees and is initially launching in Arizona, North Carolina, South Carolina and Texas – with future expansion to additional states planned in 2019. Pairing the employer’s choice of a HDHP with standardized hospital and accident indemnity coverage streamlines the enrollment and eligibility process for the employer. It also helps make it easier for employees to offset unexpected medical costs from a covered hospital stay or accident. To learn more, click here.

Integrating Cigna medical and Cigna supplemental health benefits provides employees with access to the Cigna Simple File® – auto compare program, at no additional cost. Through this program, we carefully review Cigna medical claims and automatically remind employees to submit their eligible hospital and accident claims. Our integrated approach leverages our insights and holistic view of health to help bring you and your employees a better experience.

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