Funding Solutions for Health Plans

Designed to meet your needs and provide opportunities for cost savings.

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Health Insurance Funding Options for Employers

Funding is how employers pay for employee’s benefits. We offer a full suite of funding solutions that help meet your budgeting and affordability needs and:

Types of Funding Solutions

There are two primary types of funding: Insured and Self-Funding. Please check with your broker or Cigna Healthcare SM * representative for availability based on employer size and state.

Insured Funding Solutions

In insured solutions, employers can purchase insurance that covers claims and other expenses. Cigna Healthcare offers multiple insured funding solutions based on an insurance policy.

Self-Funding Solutions

In self-funded solutions, employers pay an administrator to manage the plan while the employer funds claim expenses from their own bank accounts. Cigna Healthcare offers three self-funded solutions based on an Administrative Service Agreement.

Funding Solutions from Cigna Healthcare

Self-Funded Fully Insured Fully Insured Plus Cigna Level Funding ® Cigna Graded Funding SM Administrative Services Only (ASO) 50% with renewal 50% and 67% with renewal 100%; Real time 100%; Real time Full insurance protection Full insurance protection Integrated stop loss Integrated stop loss Optional stop loss protection Admin fees, stop loss premium and claim funding Admin fees and stop loss premium Admin fees and stop loss premium Claims up to stop loss levels

1 In most states, Cigna Healthcare offers group insurance coverage to employers with more than 50 full-time employees, as well as administrative services for self-funded plans with as few as 25 full-time employees. Product availability may vary by plan type, group size and location, and is subject to change.

2 Employer funds all claims and is reimbursed by Cigna Healthcare for claims above maximum liability.

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*Offered by Cigna Health and Life Insurance Company

Product availability may vary by location, group size and plan type and is subject to change. All group health insurance policies, stop-loss insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna Healthcare representative.

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Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.

All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna Healthcare sales representative. This website is not intended for residents of New Mexico.

Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna Healthcare website. Cigna Healthcare may not control the content or links of non-Cigna Healthcare websites. Details

La aseguradora publica el formulario traducido para fines informativos y la versión en inglés prevalece para fines de solicitud e interpretación.

The insurer is issuing the translated form on an informational basis and the English version is controlling for the purposes of application and interpretation.