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VIRTUAL CARE
Virtual care for necessary convenience
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ONE GUIDE
Customer support to navigate confusion
BEHAVIORAL CARE
Specialized resources during stressful times
PHARMACY
Home delivery pharmacy for increased savings
931926 11/2022 ©2022 Cigna
Offered by Cigna Health and Life Insurance Company or its affiliates
1. Koonin, Lisa M. Centers for Disease Control and Prevention (CDC). Trends in the Use of Telehealth During the Emergence of the COVID-19 Pandemic – United States, January–March 2020. October 30, 2020. https://www.cdc.gov/mmwr/volumes/69/wr/mm6943a3.htm. 2. Birhanzel, Rich. Health’s NewFUTURE: Virtual Health Reaches the Point of No Return – but Is the Healthcare Ecosystem Ready to Sustain It? Accenture. June 30, 2020. www.accenture.com/us-en/blogs/insight-driven-health/healths-newfuture. 3. Cigna provides access to virtual care through national telehealth providers as part of your plan. This service is separate from your health plan’s network and may not be available in all areas. 4. Cigna 2019-2020 analysis of total medical costs for medical customers with Cigna Virtual. Results May Vary. 5. Carroll, Linda. Declining Numbers of Americans Have a Primary Care Provider. Reuters. December 16, 2019. https://www.reuters.com/article/us-health-pcp-trends/declining-numbers-of-americans-have-a-primary-care-provider-idUSKBN1YK1Z4. 6. Cigna 2020 analysis of virtual wellness screenings claim data. 7. Cigna 2020 analysis of average PCP cost for wellness visit for all medical customers. 8. Cigna 2020 analysis of satisfaction survey sent to members who received virtual wellness screenings. 9. Andrilla, C. Holly A. et al. Geographic Variation in the Supply of Selected Behavioral Health Providers. American Journal of Preventive Medicine. June 1, 2018. www.ajpmonline.org/article/S0749-3797(18)30005-9/fulltext. 10. Cigna unique provider data as of Sept. 2020. 11. Cigna Analytics. Telehealth evaluation pre- and post-COVID; analysis of utilization 1/1/20-3/15/20 vs. 3/16/20-6/30/20. 12. M/A/R/C® Research. COVID-19’s Impact on Healthcare Attitudes and Practices, Wave 4. March 2021. https://www.cigna.com/static/www-cigna-com/docs/about-us/newsroom/innovation/covid-19-health-trends-marc-and-cigna-march-2021_.pdf. Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna representative.All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company(CHLIC), Cigna Behavioral Health, Inc., Express Scripts, Inc., or their affiliates.
of behavioral health customers now use virtual services.
11
60%
Over
virtual behavioral providers.
10
52K
We have
fewer missed work days when employees used behavioral telehealth.
12
45%
of non-metropolitan counties don’t have a single psychiatrist.
9
65%
It can be hard to find help, especially for behavioral needs.
The amount of U.S. patients who don’t have a primary care doctor is about the same as the population of New Jersey.
5
Our virtual wellness screenings include biometrics, making it easier to identify and treat any issues early.
of customers who had a virtual wellness screening found it simple and convenient.
6
95%
of customers who had a virtual wellness screening do not have a primary care provider.
8
75%
Virtual visits cost
than in-person preventive care.
less
7
51%
COVID-19 changed everything.
For convenience and safety, people utilized virtual care from home.
increase in virtual care in 2020.
1
50%
of customers would use it again.
80%
future visits will be virtual, according to Accenture estimates.
2
1 in 3
Our flexible options make it easier for employees to get the care they need and employers to save.
Steering employees to MDLIVE for minor medical care results in:
3
®
$13.70
PMPY
(
)
per member per year
savings with 10% steerage
4
PMPY savings with 30% steerage
$41.09
less than in-person preventive care.
10% steerage
savings with
1. Ma, Myles. Health Insurance Literacy Survey 2019: Americans Are Increasingly Confused about Health Care. Policygenius. Blog post. October 29, 2019. www.policygenius.com/blog/health-insurance-literacy-survey-2019/. 2. Cigna 2019 matched case-control study of 2018 claims for One Guide-engaged clients/customers with 24-month coverage compared to non-One Guide population with 24-month coverage. Results may vary. 3. Gordon, Deb. Health Insurance Confusion Continues To Plague Americans, New Data Show. Forbes. February 8, 2021. www.forbes.com/sites/debgordon/2021/02/08/health-insurance-confusion-continues-to-plague-americans-new-data-show/?sh=6f235a7c4667. 4. Cigna client reporting for subset of One Guide-engaged clients showing comparison between customers who use/interact with a Next Best Action (NBA) vs. customers who don’t interact with an NBA. 5. Cigna 2019 matched case-control study of 2018 claims for One Guide-engaged clients/customers with 24-month coverage compared to non-One Guide population with 24-month coverage. Results may vary. Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna representative.All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company(CHLIC), Cigna Behavioral Health, Inc., Express Scripts, Inc., or their affiliates.
due to confusion over their health plan coverage or costs.
$110 each month
In a recent survey, Americans estimated they lost or wasted an average of
fewer avoidable ER visits
29%
less out-of-network provider utilization
3%
People who use One Guide choose more-efficient care options:
One Guide
people
said uncertainty over their coverage led them to avoid treatment.
1 in 4
People who use One Guide are more likely to make the most of their care:
58% more customers connected to case management
55% more gaps in care closed
Over of Americans surveyed by Policygenius couldn’t correctly define basic terms such as copay, deductible and premium.
70%
Cigna One Guide combines intelligent technology with empathetic human support to proactively:
Answer plan questions
Anticipate each customer’s unique whole-health needs
Identify gaps in care across medical, behavioral and pharmacy
of Americans surveyed by Policygenius couldn’t correctly define basic terms such as copay, deductible and premium.
1. Cigna Behavioral Health Insights. Cigna Book of Business claims data 01-1-20 through 12-31-20 for customers/clients who purchased behavioral and medical through Cigna. Adults only. 2. 2018 Cigna National Book of Business study of medical customers who have Cigna pharmacy and Total Behavioral Health benefits vs. those with Cigna medical and Fee for Service Inpatient only behavioral benefits. Average annual per member per year (PMPY) estimated medical savings of $193 ranges $166–$220. Individual client/customer results will vary and are not guaranteed. 3. Kaiser Family Foundation. (2020, November 19). Mental Health and Substance Use State Fact Sheets. https://www.kff.org/statedata/mental-health-and-substance-use-state-fact-sheets. 4. Evernorth. (2021). Health Care in Focus: Three Ways the Market is Evolving [Report]. 5. Cigna unique provider data as of June 2021. Subject to change. 6. Cigna Behavioral Health Insights. 2019 National Book of Business study compared inpatient and outpatient readmission and cost per admission claims data. 7. Good Therapy. How Much Does Therapy Cost? Blog post. October 2014. https://www.goodtherapy.org/blog/faq/how-much-does-therapy-cost. 8. Lerner, Debra et al. The High Cost of Mental Disorders. Tufts Medical Center. 9. Employee assistance program services are in addition to, not instead of, your health plan benefits. These services are separate from your health plan benefits and do not provide reimbursement for financial losses. Program availability may vary by plan type and location, and are not available where prohibited by law. 10. Cigna EAP Resolution Rate, 2020 Book of Business Norms. 11. 2020 Cigna Satisfaction Survey. Employee Assistance Program Evaluation. Published 2021. Results are gathered throughout the year on a statistically significant sample of national and regional clients who utilized EAP services within that year. 12. McKay, Betsy. U.S. Drug-Overdose Deaths Soared Nearly 30% in 2020, Driven by Synthetic Opioids. The Wall Street Journal. July 14, 2021. www.wsj.com/articles/u-s-drug-overdose-deaths-soared-nearly-30-in-2020-11626271200. 13. *Cigna Analytics. Substance Use Specialty Program Evaluation, 2019. Results derived from National Book of Business analysis using retrospective comparison analysis. Results may vary. Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna representative. All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company(CHLIC), Cigna Behavioral Health, Inc., Express Scripts, Inc., or their affiliates.
People are struggling right now.
U.S. drug-overdose deaths soared
in 2020.
13
30%
Cigna substance use disorder coaching and support result in an average of:
14
lower out-of-network costs per participant per year
$4,080
lower ER costs per participant per year
$888
Employees with medical and behavioral conditions cost employers
more
left a job because they felt their employer didn’t support their well-being.
1 in 6
employees
avoid behavioral claims and resolve their issue through our EAP.
9 in 10
of surveyed EAP participants increased productivity.
96.7%
Our Employee Assistance Program (EAP) offers counseling sessions at no extra cost with licensed providers.
of adults in the U.S. with medical conditions also have mental disorders.
27%
of adults in the U.S. with a mental disorder also have a medical condition.
92%
This comes at a big financial and personal cost.
per member per year medical cost savings with integrated Cigna medical, behavioral and pharmacy benefits.
$227
Behavioral
Pharmacy
Medical
of U.S. adults reported struggling with mental health.
of those suffering from mental health conditions do not get care.
59%
We have over 229K in-network behavioral health care providers.
of those are virtual.
75K
Have 18% fewer readmissions
Cost less than half as much as out-of-network facilities
Cigna in-network behavioral facilities:
Accessibility plays a big role.
out-of-network costs per participant per year
decrease
ER costs per participant per year
or more per hour, which is a barrier to many.
$65
$250
Therapy often costs between
and
in losses to workplace productivity due to depression, according to a Tufts Medical Center report.
$44
billion
increase in depression and anxiety from 2019 to 2020.
3X
more consumers plan to engage in therapy in the future.
2X
We have over 214K in-network behavioral health care providers.
of those are virtual
67K
3-6X
1. Cigna Behavioral Health Insights. Cigna Book of Business claims data 01-1-20 through 12-31-20 for customers/clients who purchased behavioral and medical through Cigna. Adults only. 2. Cigna 2020 Book of Business study of medical customers who have Cigna integrated medical, pharmacy and total behavioral health behavioral benefits vs. those with Cigna medical, basic behavioral, and carved-out pharmacy. Individual results will vary; not guaranteed. Average annual per member per year (PMPY). 3. 3. APA. "Stress in America 2020." Accessed January 2020. 4. Evernorth. (2021). Health Care in Focus: Three Ways the Market is Evolving [Report]. 5. Cigna unique provider data as of November 2021. Subject to change. 6. Cigna provides access to virtual care through national telehealth providers as part of your plan. This service is separate from the health plan’s network and may not be available in all areas or under all plans. Referrals are not required. Video may not be available in all areas or with all providers. Refer to plan documents for complete description of virtual care services and costs. 7. Cigna Behavioral Health Insights. 2019 National Book of Business study compared inpatient and outpatient readmission and cost per admission claims data. 8. Milliman Research Report. August 13, 2020. 9. Benefits Pro. “Employee support and wellbeing: The keys to retaining your workforce.”. November 2021. 10. Employee assistance program services are in addition to, not instead of, health plan benefits. These services are separate from health plan benefits and do not provide reimbursement for financial losses. Customers are required to pay the entire discounted charge for any discounted legal and/or financial services. Legal consultations related to employment matters are excluded. Additional restrictions may apply. Program availability may vary by plan type and location, and are not available where prohibited by law. 11. Cigna EAP Resolution Rate, 2020 Book of Business Norms. 12. 2020 Cigna Satisfaction Survey. Employee Assistance Program Evaluation. Published 2021. Results are gathered throughout the year on a statistically significant sample of national and regional clients who utilized EAP services within that year. 13. McKay, Betsy. U.S. Drug-Overdose Deaths Soared Nearly 30% in 2020, Driven by Synthetic Opioids. The Wall Street Journal. July 14, 2021. www.wsj.com/articles/u-s-drug…-in-2020-11626271200. 14. *Cigna Analytics. Substance Use Specialty Program Evaluation, 2019. Results derived from National Book of Business analysis using retrospective comparison analysis. Results may vary. © 2022 Cigna. Some content provided under license. Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna representative. All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company (CHLIC), Evernorth Behavioral Health, Inc., Evernorth Care Solutions, Inc., or their affiliates. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC).
1. Mulcahy, Andrew W. Prescription Drug Prices in the United States Are 2.56 Times Those in Other Countries. RAND Corporation. Press Release. January 28, 2021. www.rand.org/news/press/2021/01/28.html. 2. Express Scripts Pharmacy National Book of Business analysis, 2019. Results may vary. 3. Average savings calculated by comparing cost of prescriptions filled at a retail pharmacy and then at home delivery for commercial clients participating in a home delivery program in 2018. Customers had also met their plan’s deductibles. Savings varies based on plan. 4. Henry J. Kaiser Family Foundation. Poll: Nearly 1 in 4 Americans Taking Prescription Drugs Say It’s Difficult to Afford Their Medicines, Including Larger Shares Among Those with Health Issues, with Low Incomes and Nearing Medicare Age. Newsroom. March 1, 2019. www.kff.org/health-costs/press-release/poll-nearly-1-in-4-americans-taking-prescription-drugs-say-its-difficult-to-afford- medicines-including-larger-shares-with-low-incomes/. 5. Accredo operations data, 2020. 6. 2016 National Book of Business claims as of 12/2016. 7. Cigna 10/2017 National Book of Business study of National Accounts. 8. Internal Cigna analysis performed 2019, (customer adherent > 80% PDC), 90-day supply vs. those who received a 30-day supply taking antidiabetics, RAS antagonist and statins. Individual client results vary; savings not guaranteed. 9. Cigna 2020 Book of Business study of medical customers with integrated medical, pharmacy and Total Behavioral Health vs. those with Cigna medical and carved-out pharmacy. Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna representative.All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company(CHLIC), Cigna Behavioral Health, Inc., Express Scripts, Inc., or their affiliates.
with a chronic condition account for
of the cost, and they often have two or more gaps in care.
The
38%
73%
higher medication adherence with 90-day fills.
20%
higher engagement with integrated benefits.
25%
Our integrated approach can be more effective.
Americans who take prescription drugs said they struggle to afford the medication they need in a Kaiser Family Foundation Health Tracking Poll.
of drugs filled through Accredo , our specialty pharmacy, have an assistance program.
A 30-day supply of insulin is capped at $25 with our Patient Assurance Program.
90%
higher prescription drug prices in the United States, compared with
2.56x
other countries, according to a RAND Corporation report.
32
average customer savings.
per member per year average client savings.
$2.00–$2.49
Cigna delivers significant savings with Express Scripts Pharmacy.
1. Mulcahy, Andrew W. Prescription Drug Prices in the United States Are 2.56 Times Those in Other Countries. RAND Corporation. Press Release. January 28, 2021. www.rand.org/news/press/2021/01/28.html. 2. Express Scripts Pharmacy National Book of Business analysis, 2019. Results may vary. 3. Average savings calculated by comparing cost of prescriptions filled at a retail pharmacy and then at home delivery for commercial clients participating in a home delivery program in 2018. Customers had also met their plan’s deductibles. Savings varies based on plan. 4. Henry J. Kaiser Family Foundation. Poll: Nearly 1 in 4 Americans Taking Prescription Drugs Say It’s Difficult to Afford Their Medicines, Including Larger Shares Among Those with Health Issues, with Low Incomes and Nearing Medicare Age. Newsroom. March 1, 2019. www.kff.org/health-costs/press-release/poll-nearly-1-in-4-americans-taking-prescription-drugs-say-its-difficult-to-afford-medicines-including-larger-shares-with-low-incomes/. 5. Accredo operations data, 2020. 6. 2016 National Book of Business claims as of 12/2016. 7. Cigna 10/2017 National Book of Business study of National Accounts. 8. Internal Cigna analysis performed 2019, (customer adherent > 80% PDC), 90-day supply vs. those who received a 30-day supply taking antidiabetics, RAS antagonist and statins. Individual client results vary; savings not guaranteed. 9. Cigna 2020 Book of Business study of medical customers with integrated medical, pharmacy and Total Behavioral Health vs. those with Cigna medical and carved-out pharmacy. Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna representative.All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company(CHLIC), Cigna Behavioral Health, Inc., Express Scripts, Inc., or their affiliates.
