NEWSROOM

If you have Large Group clients (with 101-249 or more lives) looking for more than just quality health care, talk with us about Cigna. It delivers health and so much more.
 
Cigna offers your clients unmatched resources and support, including:

• a broad portfolio of coverage options
• a wide range of fully insured and alternative funding options
• national provider networks (both brick and mortar and virtual)
• behavioral health support, including emotional well-being and digital programs
• pharmacy support, including a weight-loss medication buy-up option
• industry-leading wellness and engagement programs
• claims and utilization management
• an enhanced member experience with 24/7 member services access online, through the app, text, chat, or phone

Plus, with Word & Brown as your partner, you can count on us to provide everything you need to help you quote, enroll, close, service, and renew more Large Group business – this month, next month, and for years to come.
 
Cigna Overview
Below is a snapshot of what you can expect on your Cigna Large Group business:

• Participation Requirement: 50% when Cigna is the sole carrier, with a 50/50 minimum split enrollment when alongside Kaiser Permanente (subject to minimum below)
• Minimum Enrolled: 25 employees
• Network Choices: Six network options are available
  • Cigna OAP – Full PPO-style network
  • Cigna OAP HSA – Full PPO-style network HDHP plan
  • Cigna Local Plus – High performance focused network (98% of OAP hospitals, 72-74% of OAP providers)
  • Cigna Full HMO – Full HMO network
  • Cigna Value HMO – Mid-tier HMO network, only available in Southern California
  • Cigna SoCal Select – Narrow HMO network, only available in Southern California
• Plan Offerings: Cigna suggests a maximum of four plans (and combination of networks or plans); example is Full HMO, Select HMO, OAP, and OAP HSA; can add additional plans for the right case 
  (Note: Cigna custom designs every plan to match current benefits; company does not offer a set of “prepackaged plans”; hence, the four plan limit works for most groups of under 500 employees.)
• Preferred Industries: Cigna writes cross industry, but clients choosing Cigna tend to have a set of common attributes, such as: 
  • Cigna OAP – Full PPO-style network
  • Cigna OAP HSA – Full PPO-style network HDHP plan
  • Cigna Local Plus – High performance focused network (98% of OAP hospitals, 72-74% of OAP providers)
  • Cigna Full HMO – Full HMO network
  • Cigna Value HMO – Mid-tier HMO network, only available in Southern California
  • Cigna SoCal Select – Narrow HMO network, only available in Southern California
• Funding Platforms: Multiple options available
  • Fully insured
  • Participating contracts
    • Fully Insured Plus
    • Level funding
    • Graded funded
    • Minimum Premium
    • ASO (Admin. Services Only)

What’s New?

Cigna is constantly working to ensure your clients have access to outstanding benefits and resources. Some of the latest changes and updates include:

• Weight loss buyup to cover GLP-1 drugs for weight loss (including Wegovy, Saxenda, Zepbound, and others); flyer link below
• The Virgin Pulse well-being solution is now a standard option at no charge; flyer link below
• HelloFresh offers your clients exclusive discounts, opportunities to gift meals, and more
• The Emotional Well Being Program includes three face-to-face or virtual EAP visits per issue, referrals, and other resources like legal
• Continued expansion of digital health solutions including Happify, iPrevail, and Headspace; flyer links below

Click on these links to download information on the most-compelling value-add programs that help set Cigna apart from other insurers. 

• Cigna Total Behavioral Health^® flyer
• Virgin Pulse well-being solution flyer
• Weight management medications flyer
• Cigna Level Funding flyer
• Cigna One Guide^® flyer (care and support overview)
• MDLIVE^® for Cigna flyer (Virtual care overview)
• Happify^TM emotional health flyer
• Headspace Care flyer
• Cigna Healthy Rewards discount program flyer
• iPrevail digital therapeutics platform flyer

 
Word & Brown Is Your Large Group Partner
Contact your Word & Brown rep today to learn more about how we can help get into or expand your Large Group sales. Our services include discovery calls to uncover clients’ needs and concerns, a complete carrier analysis, quote review and rate negotiation with carriers, no-cost Word & Brown extras, and more.