Smarter supplemental health solutions
from a health care company
Employees can bounce back whole and employers can have a smoother experience thanks to our distinctive expertise, extensive data and tailored plans.
Critical Illness
Accidental Injury insurance
Pays fixed, cash benefits on a consistent schedule for a broad range of injuries or treatments resulting from a covered accident.
Accidental Injury
Hospital Care
Critical Illness insurance
Pays a lump-sum, cash payment when diagnosed with a covered critical illness.
Pays fixed, cash benefits on a consistent schedule for covered hospital admissions and stays.
Hospital Care insurance
Simple
Predictable
Affordable
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Legal
THESE POLICIES PAY LIMITED BENEFITS ONLY. THEY ARE NOT COMPREHENSIVE HEALTH INSURANCE COVERAGE AND DO NOT COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE. Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna.
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Distributed by: Operating subsidiaries of Cigna Corporation. Insurance benefits are underwritten by Cigna Health and Life Insurance Company, Life Insurance Company of North America or New York Life Group Insurance Company of NY formerly known as Cigna Life Insurance Company of New York. 961595a 05/22 © 2021 Cigna. Some content provided under license.
A small price for the peace of mind to Bounce Back Whole
The more products you add, the more you save
Affordable for employers
Healthy Additions Bundles are a game-changer for your clients and their employees. Click on the buttons to the left to see the savings add up.
and employees
Prompt cash payouts for covered accidents, illness and hospitalizations Employees can use the money in whichever ways best support them and their families, including everyday expenses such as groceries and childcare
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We help them recover financially*
Support finding the right doctors, specialists and hospitals Cost estimates for medical procedures and treatments Discounts on massage, chiropractic and acupuncture services to help recovery
We also help them recover physically*
No additional cost expert legal and financial services Money coaching for employees and partners
We also help them recover emotionally*
1. Available as a one-time savings for fully insured cases when you integrate Medical and Dental PPO. Inclusion of discounts is subject to case level financial position. Discounts may not be available in all states. Savings are not available in Rhode Island. 2. Available as a one-time savings for ASO cases when you integrate Medical and Dental PPO. Inclusion of discounts is subject to case level financial position. Discounts may not be available in all states. 3. Available as a one-time savings for fully insured cases when you integrate at least two supplemental health products (Accidental Injury, Critical Illness or Hospital Care) with Dental PPO. Inclusion of discounts is subject to case level financial position. Discounts may not be available in all states. 4. Available as a one-time savings for ASO cases when you integrate at least two supplemental health products (Accidental Injury, Critical Illness or Hospital Care) with Dental PPO. Inclusion of discounts is subject to case level financial position. Discounts may not be available in all states. 5. Savings are available to new and existing medical clients who add at least two new Supplemental Health products. Savings are effective immediately for new clients and at renewal for existing clients. Discounts may n ot be available in all states. Savings are not available in Rhode Island.
Dental
Medical
Supplemental
Affordable for employees
Footnotes
Statistic
*These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. Programs are provided through third party vendors who are solely responsible for their products and services. Full terms, conditions and exclusions are contained in the applicable client program description, and are subject to change. Program availability may vary by plan type and location, and are not available where prohibited by law. Legal consultations related to employment matters are excluded. Additional restrictions may apply. **Services available at the option of employer for an additional cost and not available to Health Advocates, Inc. existing clients.
72% of respondents surveyed said that Supplemental health plans make unexpected health events more affordable
72% of respondents surveyed said that Supplemental health plans make unexpected health events more affordable Source – Cigna and Ipsos research study, August, 2021.
Source – Cigna and Ipsos research study, August, 2021. Results may vary.
TM
More relevant coverage with a connected experience.
Covered conditions that provide them with more value Streamlined enrollment experience Connected benefits to make sure they receive all of the benefits they are entitled to
Different populations have different needs. We work with employers to find out the right combination of coverage for their employees.
Choose which conditions are covered
We also allow for flexibility to reach the optimum amount of coverage by condition.
Choose the coverage levels
Our unique medical, pharmacy and stop loss data empower employers to create more innovative plans. This data also provides the cost drivers and utilization insights to continue to hone the plan.
Optimize your Supplemental Health offering with benefits that provide more relevant and valuable options that can also complement medical plan designs. So, when the unexpected happens, employees know what to expect from their benefits, and can focus on getting back to their healthiest, most productive selves. This delivers:
Predictable for employers
Choose a customized approach for every workforce
Predictable for employees
for employees
Simple for employees
A concierge customer claims experience
You file a qualifying Medical Insurance claim If you have a Cigna Supplemental Health product, such as Accidental Injury (AI), Critical Illness (CI) and/or Hospital Care (HC), we’ll remind you to submit your eligible claim You receive the benefits you’re entitled to
Smoother service at every step
Benefit Administration Vendors relationships
Focused support with vast resources
You file a qualifying Group Insurance claim If you have a Cigna Supplemental Health product, such as Accidental Injury (AI), Critical Illness (CI) and/or Hospital Care (HC), we’ll automatically submit your eligible claim and, if necessary, request additional information on your behalf You receive the benefits you’re entitled to
Auto pay
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1. Cigna Simple File® – Auto compare/Auto claim /Auto pay capabilities vary by line of coverage and specific products. The Simple File process is based on a one-time assessment of the initial claim documentation for the primary claim. Any subsequent events would not be identified and the customer will need to submit a claim for any supplemental health benefits. There are limitations to Simple File, and not all claims will qualify or be approved. 2. Cigna must be provided with an appropriate eligibility file and any applicable external claim data feeds. If there are concerns about privacy risks, your legal teams should be consulted. 3. Cigna must be provided with an appropriate eligibility file and the client must have opted into Wellness Auto Pay with Cigna medical; or Cigna must be provided with any applicable external claim data feeds.
For qualifying Medical Insurance claims
For qualifying Wellness incentive claims
For qualifying Group Insurance claims
Simple for employers
Cross team collaboration
A dedicated Account team
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Our SHS service operations teams handle case installations, customer call center, implementation, contracts, revenue management and claims processing. These teams collaborate with the fully-dedicated underwriting, sales, sales support and account management teams within SHS.
Our Supplemental Health Solutions (SHS) service operation teams are integrated into Cigna’s Enterprise Service Operations (ESO). This allows us to offer a consistent service experience across Supplemental Health, Medical and Dental.
The Account Management Team will develop and execute client level strategies designed to maximize client value, service and enrollment.
Our relationships with benefit administration vendors allow us to create a turnkey solution that’s easier to manage and can help to reduce overall costs from administration outsourcing.
Auto claim
2
Auto compare
We provide an easy claims experience so employees get the service they want, when and how they want it. Cigna will reach out to providers on the claimant’s behalf to obtain medical data in order to approve and pay claims as well as follow up for ongoing treatments. Our Cigna Simple File capabilities ensures that our customers receive all the benefits they are entitled to.
1
You file a qualifying Wellness incentive claim If you have a Cigna Supplemental Health product, such as Accidental Injury (AI), Critical Illness (CI) and/or Hospital Care (HC), we’ll automatically submit your eligible claim You receive the benefits you’re entitled to
1.5% of premium
1.5% - 6% of premium
2% of premium
100 - 750 EEs
100 - 499 EEs
500 - 4,999 EEs
751 - 4,999 EEs
1% of premium
Fully insured
Medical cost savings
1,5
1,3
Dental cost savings
Medical + Dental + Supplemental
Cigna Medical + Cigna Dental + Cigna Supplemental Health Solutions
Level Funding 0.5% of premium equivalent + 1% off claim reduction Non-Level Funding 1% off claim reduction + $0.25 fee reduction per SHS product sold
$0.20 - $0.30 fee reduction
$0.20 fee reduction
$1.00 fee reduction + $0.25 fee reduction per SHS product sold
ASO
2,5
2,4
¹ Savings are available to new and existing medical clients who add new Supplemental Health products. Savings are effective immediately for new clients and at renewal for existing clients. Savings are not available in Rhode Island.
Package
0.5% of premium (100 - 750 EEs)
Level Funding 0.5% of premium equivalent (100 - 750 EEs) Non-Level Funding +$0.25 fee reduction per SHS product sold (100 - 4,999 EEs)
Fully insured¹
ASO¹
Medical + Supplemental
Cigna Medical + Cigna Supplemental Health Solutions
¹ Available as a one-time savings for fully insured cases when you integrate at least two supplemental health products (Accidental Injury, Critical Illness or Hospital Care) and Dental PPO. Inclusion of discounts is subject to case level financial position. Discounts may not be available in all states. ² Available as a one-time savings for ASO cases whenyou integrate at least two supplemental health products (Accidental Injury, Critical Illness or Hospital Care) and Dental PPO. Inclusion of discounts is subject to case level financial position. Discounts may not be available in all states.
$0.10 fee reduction
ASO²
Dental + Supplemental (100 - 4,999 EEs)
Cigna Dental + Cigna Supplemental Health Solutions
¹ Available as a one-time savings for fully insured cases when you integrate Medical and Dental PPO. Inclusion of discounts is subject to case level financial position. Discounts may not be available in all states. Savings not available in Rhode Island. ² Available as a one-time savings for ASO-funded cases when you integrate Medical and Dental PPO. Inclusion of discounts is subject to case level financial position. Discounts may not be available in all states. Savings not available in Rhode Island.
0.5% - 5.0% of premium
1% off claim reduction
$1.00 fee reduction
$0.10 - $0.20 fee reduction
Medical + Dental (50 - 499 EEs)
Medical + Dental (500 - 4,999 EEs)
Cigna Dental + Cigna Medical
Employees can bounce back whole and employers can have a smoother experience thanks to our unique expertise, extensive data and tailored plans.
