The Rewards of Better Health

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

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