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    • Home Employers Cost Control Strategies Funding Solutions

    Funding Solutions for Health Plans

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

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    Thank you for your interest in Cigna Healthcare. Please provide some basic information about your company and a representative will contact you.

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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:

    • Help manage risk and cash flow to fit your budget.
    • Offer payment options to help achieve immediate and sustainable cost savings.
    • Drive additional savings when health and wellness programs are successful.
    • Drive informed plan design choices to improve affordability.
    • Help maximize savings when paired with integrated products.

    Types of Funding Solutions

    There are two primary types of funding: Insured and Self-Funding. Please check with your broker or Cigna HealthcareSM* 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

     
     
    Insured
    Self-Funded
     
    Fully Insured
    Fully Insured Plus
    Cigna Level Funding®
    Cigna Graded FundingSM
    Administrative Services Only (ASO)
    % share of claims surplus
    0%
    50% with renewal
    50% and 67% with renewal
    100%; Real time
    100%; Real time
    Required eligible employees1
    51+
    51+
    25-999
    25-499
    200+
    Level of protection
    Full insurance protection
    Full insurance protection
    Integrated stop loss
    Integrated stop loss
    Optional stop loss protection
    Fixed monthly payment
    Premium
    Premium
    Admin fees, stop loss premium and claim funding
    Admin fees and stop loss premium
    Admin fees and stop loss premium
    Variable monthly payment
    N/A
    N/A
    N/A
    Claims up to stop loss levels
    Claims2

    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.

    *Offered by Cigna Health and Life Insurance Company

    View Cigna Healthcare Company Names

    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

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