The rewards of better health
$ $ $ $ + = $ $ + Innovative Proven Immediate sustainable funding wellness programs savings cost control
Products and services offered by Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company, and their affiliates. The rewards For companies: For individuals: of better Lower health care costs Lower medical expenses More productive employees Less disease and illness health Fewer employee sick days A better, more productive life + + +
The rewards of better health can benefit smaller companies in big ways. Let Cigna help While the formula for better health varies you realize them. for every company, one thing remains the same: Cigna delivers the rewards.
Your company is like no other. That’s why Cigna gets to know what makes your organization unique and tailors your plans accordingly. Our health care plans can keep people healthier, and improve business health, too. By lowering costs. Raising productivity. And improving health.
Cigna delivers the rewards of better health to companies with fewer than 250 employees.1 We offer immediate savings through fully insured and innovative self-funded solutions. Plus sustainable cost control through personalized programs designed to improve health and productivity. Innovative funding Options And the rewards that follow
Cigna is a pioneer in creating innovative funding options for smaller companies. This includes a fully insured and two self-funding options. These are not big-company products repackaged, but are designed to meet the specific needs of smaller employers – like you.
Cigna’s innovative funding options help achieve immediate, as well as sustainable, savings.
2 “We enjoy working with Cigna and are happy with the services provided, and I have recommended them to other companies.” – Rhonda Renaud, Austin Hardwoods Controller
What matters most to employers?
Simplicity Know Pay and predictability what you owe as you go
8 Fully insured Self-funding
Fully insured funding is ideal for companies looking Cigna self-funding solutions have been helping smaller for the financial protection that comes from knowing, companies understand their health care expenses and in advance, their annual health care expenses. A set save directly on claims costs for more than 25 years. monthly premium will take the guesswork out of health No other national health service can make that claim. benefit costs.
Simplicity and Control, insight predictability and savings
with a fully insured option lets companies: with self-funding options lets companies: • Easily budget with a single premium amount due • Pay actual claims and can save when claims are lower • Get full protection for covered claims, regardless than predicted of how high claims go during the year • Receive client-specific claims reports that show exactly • Enjoy features that are straightforward and easy how their health plan is being used and their money to understand is being spent • Gain financial advantages in claims risk by being combined • Tailor a health plan to the coverage needs of their employees with a large group of smaller employer clients • Offer the same plan to all employees, even when they work in different states • Find fewer surprises at renewal because they can see exactly While industry sales of fully how their health plan is performing insured health plans decline, • Choose from multiple protective stop-loss insurance Cigna sales continue to grow. limits and get immediate reimbursement with no “gaps” Our 2012 sales in protection are projected to grow by 17%,2 while industry growth may only be 1%.3
4 = + + more than = 50% of new Cigna sales to Cigna offers two smaller companies were self-funding options self-funded sales and + + one out of three of our self-funded clients have Level FundingSM – Know what you owe been with us for more Companies get the financial predictability and than ten years.4 protection of fixed monthly payments. At the end of the plan year, if actual claims are lower than predicted, companies receive a credit that may be used to pay Detailed reporting future health plan costs. Self-funding clients can track exactly how and where their health care dollars are being spent Year-end credits shared with our Level through our health plan performance reports: Funding clients averaged more than 10% of their annual claim costs.4 • medical and pharmacy reports • dental and vision reports Graded FundingSM – Pay as you go • wellness activity reports Companies pay for actual claims with protective • disease management outcomes stop-loss limits included. If claims are lower than predicted, the company enjoys immediate savings. • Total savings summary If claims exceed the stop-loss limits, the company is immediately reimbursed. Our success 86% of our Graded Funding clients had speaks for itself. claims experience less than their maximum claim limits.4 More than 60% of new Cigna clients with fewer than 250 employees chose our self-funding solutions. And once they chose self-funding, two out of three clients were in a surplus cash flow position at the plan year end and had money left to use for future health costs.4
5 Your formula for savings includes the right health plan.
Our funding solutions can be combined with our broad portfolio of health plans.
Traditional Consumer-driven
health plans offer a range account-based health plans like our Health of choice and savings. Reimbursement Accounts and Health Savings Accounts include a medical plan and a financial account. PPO – Provides broader choice in hospitals and professionals. Savings are greatest when employees Our focus on shifting behaviors – not costs – allows us to deliver and their dependents get in-network care. high rates of satisfaction, engagement and savings for companies as well as employees. Open Access Plus – Provides larger discounts with access to Cigna’s national network of health care professionals. Employees and their dependents have the option of choosing a Primary Care Physician When compared with traditional to help guide their care. health plans, our consumer-driven health plan customers:5 Cigna Consumer Advantage® – A three-tier PPO that offers affordable coverage by distinguishing between • Seek and receive 10% more preventive, serious, and routine or scheduled services. preventive care services in the first year HMO – Offers predictable costs and access to quality • Are 2x more likely to use online cost care through a Primary Care Physician (for fully and quality information tools insured clients). • Are 6X more likely to complete a health assessment • Are 21% more likely to work with a health coach to improve their health • Have 14% lower pharmacy costs
6 International Integrated solutions + Disability for even better health, + even better savings. Life Insurance By integrating our full range of health services Cigna can look at the whole person – allowing us to better anticipate their Dental needs. What’s more, Cigna offers discounts to employers who = Behavioral purchase multiple Cigna products. Care + vision + Pharmacy
Pharmacy offers a choice of pharmacy plan designs Behavioral care helps employees and their that are both affordable and flexible, and each plan families with psychological needs through encourages the use of lower-cost generic drugs that counseling for mental health, behavior modification further reduce pharmacy costs. and substance abuse. = Cigna Pharmacy dramatically outperforms Life insurance offers basic and voluntary group life, stand-alone pharmacy benefits managers and accident, death and dismemberment insurance, on service and overall performance.6 and benefit options include fixed dollar amounts or a multiple of salary. Dental emphasizes routine and preventive care through the largest network7 of licensed dentists Disability helps employees get better sooner in the country, and a variety of plans, including a and return to work faster. Cigna is a leader with group short- and long-term disability insurance + dental HMO, PPO and a traditional indemnity plan. and management plans,8 and stay-at-work and Vision provides access to routine and preventive return-to-work services. vision care to complement a company’s medical benefits. International provides health care solutions to globally mobile employees around the world, including a full array of international health and wellness programs. Wellness programs that lead to a healthier bottom line.
Cigna’s health and wellness programs are designed to help control costs and can result in long-term savings. We accomplish this by taking a highly personalized approach to health and by:
• Identifying risks that negatively impact health, productivity and costs and motivating individuals to adopt new behaviors and reduce their risk for illness and disease • Developing a wellness strategy to improve employee health, maximize productivity and minimize costs
75% of health care expenses go to treat diseases that are preventable.6
8 Approximately 70%–80% of all chronic diseases are lifestyle related and, therefore, preventable.6
Many high-risk health issues are preventable
! ?
The problem The solution • High risks lead to high cost • Reduce individual risk to reduce costs • High-health-risk people cost 2.5 times more than low-risk people13 • Shifting just 5% of high risk, plus 5% of medium risk, to low risk, • 59% of next year’s high-risk dramatically increases productivity employees come from this year’s and reduces cost13 healthy employees13
14 Identify risks early Understanding employees’ health risks is the first step toward healthier employees, a more productive workplace and an improved bottom line. Cigna begins with the early identification of specific health improvement opportunities. We use what we learn to build a relationship with each individual, and communicate information to them in the way they prefer.
Health Onsite Assessments Health and wellness program
give people immediate and valuable brings health care professionals to the insight into their health risks and behaviors. In just 15 workplace to conduct biometric screenings and immediately minutes, they better understand their personal health provide an individualized risk report. When coupled with situation and are connected to programs and services that coaching and referrals to appropriate health and wellness can put them on the right track for health improvement. programs, these screenings help employees take actions to improve their health and, ultimately, reduce overall medical costs. Trend Management SystemSM
is the earliest, most precise risk Health assessments and biometric screenings identification system available. We can identify high-cost also give companies a comprehensive risks of an employee population up to three years in advance aggregate report so they can better with up to 83% accuracy and help employees actively prevent understand the health risks and lifestyle future illness.10 choices that are driving costs and hurting their overall employee productivity. Worksite wellness programs that keep employees well in the first place stand out as the clear long-term solution for sustainable cost control.
10 Healthy results Develop a wellness strategy + A proven way to improve employee health is by creating a culture of health with programs that help employees when they’re sick, but also + finding ways to help them stay well. We want people to take ownership of their health. That’s the key to lasting behavior change – and long-term Case review: sustainable savings. We’ll work with you to better understand your level 23% fewer hospital of health engagement then we’ll help you create a wellness program that readmissions with case meets the unique needs of your company. manager intervention11
+ Case management: 97% satisfaction with case manager experience11 Wellness programs with health coaches, online self-improvement programs and 24/7 assistance can help with everything from losing weight and quitting tobacco to reducing stress and getting the sleep Tobacco cessation: needed to perform well on the job. 93% success one year after course completion11 Care management programs, including case management, disease management and utilization management programs, help individuals Health Coaching: with chronic or acute health conditions improve their health and up to 72% lower related costs. Cigna helps individuals receive the care they need of participants from the right health care professionals in the right setting. progressed toward or fully met their goals11
savings Wellness programs: on care of chronic conditions 11% higher revenue 5.33% like asthma, diabetes and per employee in savings 11 heart disease. organizations with highly effective health and savings wellness programs12 on case management of 4.47% specialized conditions savings such as cancer, premature births and chronic pain.11 savings on utilization 2.5–5.5% management services.11 savings
11 Creating a more rewarding experience.
Cigna is constantly working to deliver greater value, and an even more satisfying experience, to our customers and the companies where they work. This new brand of service offers a new way of understanding and meeting customer needs. We are committed to improving customer perceptions – and customer health – one individual at a time.
This new brand of service offers a new way of understanding and meeting customer needs.
12 + The employee experience + We recognize that employees want information that’s accurate and to know they can rely on Cigna to answer their important questions. Our customer representatives work closely with employees to = understand their needs and then help them get answers to their benefit and claim questions, as well as direct them to the right 24/7 programs and services to help improve their health. customer service We know being available + to our customers is important, which is why we always have customer My Personal Champion® service representatives For employees who need higher levels of attention, My Personal available to answer calls, + Champion advocates offer additional services and support. This single including after hours, point of contact works with a behind-the-scenes team of experts to more weekends and holidays. quickly and effectively respond to the individual’s unique situation.
Online assistance Our personalized, easy-to-navigate site helps people make more confident, informed decisions about their health and health spending by giving them access to: • Provider directory • Cost comparisons • Symptom information • Explanation of benefits • Treatment options • Pharmacy comparison tools
Fast and accurate claims According to the American Medical Association’s 2012 National Health Insurer Report Card, Cigna’s less than 1.4% of claims denials was the lowest among national plans participating in the research and Cigna’s response time of seven days for first-time claims payment was a close second.14 The employer experience We believe that every piece of information and every conversation we have about benefits, health care and health finances must be easy to understand. Only then will we build trust, connect with our clients and help improve the health of their employees.
Stress-free administration Nationwide network Online tools let employers review and manage their Cigna clients and their employees and dependents can company’s eligibility and easily view monthly invoices access our broad, national network. We provide national and other financial reports. discounts on service and access to quality care to more than 11 million people across the country. Your local team An experienced team of experts from implementation, client services and account management are ready to promptly respond and resolve administrative issues.
Claim payment speed and accuracy Cigna’s network Paying claims quickly and correctly is a company priority – includes more than and it shows. 92.3% of our claims are paid within 14 days and 650,000 health care professionals and 5,600 that percentage increases to 99.3% within 30 days of receipt. facilities nationwide. Our average claim payment accuracy is 97.7%.15
14 + Awards and recognition + We’re proud of the national attention we’ve received from independent, highly regarded organizations for providing our customers with an excellent experience. = About Cigna As of February 23, 2012, the insurance financial strength ratings for Cigna + subsidiary, Connecticut General Life Insurance Company were as follows:*
A.M. Best Company, Inc. A “Excellent” (3rd highest of 16 categories) 16 Clinical Excellence & Quality Customer Relationship Moody’s A2 All 23 of Cigna’s NCQA-accredited Cigna earned a silver award Investors Service HMO and POS plans hold ‘Excellent’ for delivery of an excellent “Good” (6th of 21) or ‘Commendable’ status. customer experience. Standard & Poor’s a Rating Services “Strong” (6th of 21) Fitch Ratings a (Financial Strength) Customer Service Innovation17 Industry Leadership18 “Strong” (6th of 24) Cigna earned #1 ranking for best Cigna is seen as a leader in medical *Includes the rating assigned, innovation for stimulating customer claims accuracy and timeliness, and the agency’s characterization engagement and best application one of the easiest health companies of the rating and the position of for enhancing customer access to do business with. the rating in the agency’s rating scale (e.g., Connecticut General to information. Life Insurance Company’s rating by A.M. Best is the 3rd highest rating awarded in its scale of 16).
Service to Hospitals19 Cigna scored highest in “overall favorability” among hospital executives and earned a #1 ranking for “being easy to deal with.”
15 Savings now. And in the future. Cigna delivers the rewards of better health to companies with fewer than 250 employees.1 We offer immediate savings through fully insured and innovative self-funded solutions. Plus sustainable cost control through personalized programs that are designed to improve health and productivity.
Immediate Sustainable savings cost control
Cigna’s variety of funding options, Cigna’s personalized wellness programs paired with our extensive product portfolio – including help reduce sick days and allow a safer, quicker return to consumer-driven health plans – offer immediate work through: savings through: • Onsite biometric screenings and one-on-one • Savings when claims are lower than predicted health coaching (self-funding) • Trend Management System – the earliest, • Discounts when bundling with Cigna Dental, most precise risk identification tool Life or Disability • Targeted chronic condition and disease • Pharmacy plans that encourage cost-effective generics management programs • Nationwide network that offers large discounts without • My Personal Champion® program, for employees sacrificing access or quality who require extra support
If you’re ready to see how Cigna can deliver the rewards of better health to you and your employees, we’re ready to help. Visit us at: Cigna.com/betterhealth
16 +
“We really felt we had an actionable strategy to continue to offer health care coverage – 1. Cigna offers group insurance coverage to employers with 51–250 employees, something that no one as well as administrative services for self-insured plans. In most states, Cigna else could give us. We = administers self-insured plans for employers with as few as 25 employees. felt both Cigna and our In New Hampshire, New York, North Carolina, Oregon and Utah, Cigna offers broker were true partners self-insured plans only for employers with more than 50 employees. with us.” 2. Cigna analysis, annual net customer growth enrolled in a fully insured Cigna health Barb Eaton plan among employers with fewer than 250 employees. Citywide Banks, HR Director + 3. Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999–2011. 2012 projection is based on 10 year average. 4. Cigna internal data for the 2011 year. = 5. Cigna Choice Fund® Experience Study, 2010 6. Pharmacy Benefit Management Institute Customer Satisfaction Report, 2009 7. Based on unique dentists. Source: NetMinder. Data as of May 2011. The Ignition Group makes no warranty regarding the performance of the data and the results that will be obtained by using the data. 8. Market share data from 2010 LIMRA US Group Disability Full-Year Sales and In-Force Report and 2010 LIMRA US Group Life Full-Year Sales and In-Force Report. 9. A study of Cigna Select Segment cases, tabulated by Inverness Medical Solutions, 2008-2009 10. University of Michigan – Health Management Research Center – 2008 Study. Trend Management Systems is available for an additional cost or as part of the Healthy Frontiers programs. 11. Cigna Internal Analysis, 2010 12. 2009/2010 North American Staying @ Work Report: The Health and Productivity Advantage, Towers Watson, www.towerswatson.com/research/648. 13. Study Commissioned by Harvard Medical School and Institute on Health and Productivity Management, 2009. 14. American Medical Association, 2012 National Health Insurer Report Card, www.ama-assn.org/resources/doc/psa/2012-nhirc-results.pdf. 15. Cigna Employer and Member Services, Service Operations Metrics, 2010. 16. 2010 – Cigna was elected by a panel of judges that included Gartner analyst and other customer relations experts in business and academia. 17. September 2009 – InformationWeek500. 18. 2009 – athenahealth PayerViewSM. 19. ReviveHealth sixth annual National Payor Survey of hospital executives, August 2012. If you’re ready to see how Cigna can deliver the rewards of better health to you and your employees, we’re ready to help. For more information, go to Cigna.com/betterhealth
Colorado law requires carriers to make available a Colorado Health Benefit Plan Description Form, which is intended to facilitate comparison of health plans. The form must be provided automatically within three (3) business days to a potential policyholder who has expressed interest in a particular plan or who has selected the plan as a finalist from which the ultimate selection will be made. The carrier also must provide the form, upon oral or written request, within three (3) business days, to any person who is interested in coverage under or who is covered by a health benefit plan of the carrier.
ACCESS PLAN: If you would like more information on: (1) who participates in our provider network; (2) how we ensure that the network meets the health care needs of our members; (3) how our provider referral process works; (4) how care is continued if providers leave our network; (5) what steps we take to ensure medical quality and customer satisfaction; and/or (6) where you can go for information on other policy services and features, you may request a copy of our Access Plan. The Access Plan is designed to disclose all the policy information required under Colorado law, and can be obtained by calling Member Services at 1.800.Cigna.24.
The term “dental DHMO” (DHMO) is used to refer to product designs that may differ by state of residence of enrollee, including but not limited to, prepaid plans, managed care plans, and plans with open access features. The Cigna DHMO is not available in the following states: AK, HI, ME, MT, NH, NM, ND, PR, RI, SD, VI, VT, WV, and WY.
All health plans and group insurance policies have exclusions and limitations. A complete list of both covered and non-covered services, including state-mandated benefits, are set forth in the applicable insurance certificate, group service agreement or group insurance policy. Certain plans or services may not be available in all states. Plan features and availability may vary by location and are subject to change.
“Cigna,” “Cigna Consumer Advantage,” “Cigna Care Network,” “Cigna Choice Fund,” “Healthy Frontiers” and “My Personal Champion”are registered service marks, and the “Tree of Life” logo, “GO YOU” and “My Cigna Connections” are service marks, of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided exclusively by such operating subsidiaries and not by Cigna Corporation. Such operating subsidiaries include Connecticut General Life Insurance Company (CGLIC), Cigna Health and Life Insurance Company (CHLIC), Life Insurance Company of North America, Cigna Life Insurance Company of New York, and HMO or service company subsidiaries of Cigna Health Corporation and Cigna Dental Health, Inc. In Arizona, HMO plans are offered by Cigna HealthCare of Arizona, Inc. In California, HMO and Network plans are offered by Cigna HealthCare of California, Inc. In Connecticut, HMO plans are offered by Cigna HealthCare of Connecticut, Inc. In North Carolina, HMO plans are offered by Cigna HealthCare of North Carolina, Inc. All other medical plans in these states are insured or administered by CGLIC or CHLIC. In Texas, Open Access Plus plans are considered Preferred Provider plans with certain managed care features; Health Savings Plans are considered Preferred Provider plans with certain managed care features with an attached Health Savings Account.
Group health plans are offered by the following Cigna companies: Connecticut General Life Insurance Company Cigna Health and Life Insurance Company Cigna Select 840230 a 09/12 © 2012 Cigna. Some content provided under license.