Cigna Group Health Insurance Plans: What They Offer

Key Takeaways

• Cigna is a popular insurer in the U.S., offering group health insurance plans in Arizona. With a significant international presence, as well, it’s an excellent choice for expatriates and for those who travel frequently.
• Cigna group health insurance plans focus heavily on preventive care, with various rewards to encourage regular health checkups and screenings. This can lead to a healthier workforce overall and potentially lower overall healthcare costs for employers.
• Cigna’s comprehensive wellness programs are a standout feature of their group health insurance plans. These programs include incentives for healthy behaviors, chronic condition management and telehealth services.
  

Characteristics of Cigna Group Health Insurance for Employees

In Arizona, employers with 20 or more employees have the option to choose Cigna as their group health insurance provider. Cigna offers plans for:

• Small employers (up to 50 employees and 51-99 employees): Small group health insurance plans for up to 50 employees are traditional, fully insured plans that offer $0 dedicated virtual urgent care, $0 preventive care visits and $0 for many generic prescription drugs. They also provide an estimated $250 in annual savings per year on essential customer medications. There are other small business health insurance plan options for up to 99 employees that include large provider networks, behavioral health support, virtual care and other services.
• Small to midsize employers (100-499 employees): These Cigna small to midsize business health insurance plans include LocalPlus® and Cigna Open Access Plus (OAP) plans, both of which don’t require a primary care provider (PCP) or referral to see a specialist, as well as health maintenance organization (HMO) plans that coordinate care through a PCP to lower costs and improve health outcomes.
• Midsize to large employers (500-2,999 employees): In addition to LocalPlus® and Cigna OAP plan availability, Cigna’s midsize to large employer health insurance plans also include a medical network plan, where care is coordinated by a PCP. 
• Large employers (3,000+ employees): For large employers with 3,000+ employees, Cigna offers Cigna OAP and LocalPlus® plans, as well as preferred provider organization (PPO) plans.

Cigna also offers additional products and services for business health insurance plans, including:

• Vision and dental insurance
• Accidental injury, critical illness and hospital care insurance
• Savings and spending accounts, such as health savings accounts (HSA)
• Integrated funding solutions, including medical stop loss insurance

Whether your business wants to keep healthcare costs low and opt for an HMO plan, or you want to give employees more healthcare choice and offer the most extensive healthcare options available, there’s a variety of plans to choose from with Cigna business health insurance.

Pros of Cigna Group Health Insurance

Cigna is one of the best health insurers an Arizona business can choose for their employees, but that means the insurer also tends to be a little pricier compared to other options. Health insurance coverage can positively impact business expenses related to turnover, absenteeism and productivity, so some businesses are willing to pay more for better health insurance coverage for their employees because it could lower costs overall. 

Some of the advantages of Cigna group health insurance include:

• Preventive care: Cigna promotes preventive care, such as going to annual checkups and attending preventive health screenings. These practices can help lower health insurance costs overall, when employees take good care of their health and identify issues because they become more costly. 
• Standout wellness programs: Cigna’s comprehensive wellness programs are a standout feature among group plans. Cigna offers benefits including telehealth services, chronic condition management, a health engagement team, access to personalized coaching, treatment decision support and personalized digital tools. 
• Customer service: Cigna generally receives positive feedback for its available and helpful customer service and support.
• Global presence: Because Cigna has a significant international presence, companies with global employees or workers who travel a lot may find it’s an excellent choice.

Cigna generally offers reliable service, robust support and proactive wellness and prevention services. For a workforce you’re genuinely invested in keeping healthy, Cigna can be a good choice for a group health insurance provider.

Considerations for Cigna Group Health Insurance

While Cigna offers some of the best group health insurance available in Arizona, we generally see this provider as a more costly solution compared to other group insurers. 

However, this isn’t always the case. There are several factors that will impact how much you pay for group insurance for your employees. These include the type of plan you choose (HMO vs. PPO, for example), how many employees you have, what add-ons you select and other factors. 

Talk with an Arizona health insurance broker to learn about all your options among group health insurance providers, so you can make a cost-effective decision for your team that provides the coverage they need.

Want Group Health Insurance for Your Employees? Contact AZ Health Insurance Brokers

If you want to offer insurance to your workers, or you’re considering changing insurers, the team at AZ Health Insurance Brokers can help. We can provide you with information on all the health insurance providers in Arizona that fit your budget and what you’re looking for.

Contact us online, call 602.617.4107 or email quotes@azhealthinsurancebrokers.com. We’ll be in touch to help you.