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    Home Employers Cost Control Strategies Funding Solutions Cigna Level Funding

    Cigna Level Funding®

    A self-funding solution that combines financial predictability with flexibility and data, leading to greater cost savings.

    Building a new benefits package?

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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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    Comments I am the health insurance: Please select Decision Maker Influencer Indicate your interest: Check all that apply. Medical Insurance Dental Insurance Vision Insurance Current Medical Benefit Carrier Please select A regional healthcare company Aetna/U.S. Healthcare BlueCross and BlueShield HealthNet Kaiser Permanente MetLife Prudential Healthcare Sharp Health Plan UnitedHealthcare Other Do you work with a broker? Please select Yes No If yes, what is the broker's name What is the Agency's name? Contact Me

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    An Innovative Self-Funding Solution

    Cigna Level Funding is a type of self-funding that allows your company to roll your claims funding, stop loss premium, and administrative fees together into predictable, preset payments each month.

    How Cigna Level Funding Works

    Costs Remain Constant

    Employers may enjoy the predictability of having a set monthly payment for their health plans. Regardless of claim activity from month to month, your costs will not fluctuate (except to adjust for enrollment shifts). This can also reduce the risks associated with health care plans and costs.

    No Surprises

    Terminal funds that are collected as a part of these costs in your first year cover any claims incurred prior to termination and submitted afterward. This means you’ll know your costs up front, eliminating surprises.

    Opportunity for Cost Savings

    At the end of each year, a settlement is done and if claims are lower than expected, renewing clients are eligible to get 50 percent or more of the savings back in the form of an administrative fee credit. If claims are higher than expected, clients will not have to pay more. Deficits are not carried forward to future years.

    More Flexibility

    Cigna HealthcareSM will work with you to design a plan that can help lower your costs. You can change and adjust your benefits to meet your employees’ evolving needs. Additionally, most self-funded plans are not subject to state benefit mandates, giving you more control over which benefits are included in your company’s plan.

    Additional Features of Cigna Level Funding

     
    Features Cigna Level Funding
    % share of claims surplus 50% and 67% with renewal
    Required eligible employees 25-999
    Level of protection Integrated stop loss
    Fixed monthly payment Admin fees, stop loss premium and claim funding

    View Cigna Healthcare Company Names

    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 Healthcare representative.

    Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT), or their affiliates. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT). Policy forms: OK – HP-APP-1 et al., OR – HP-POL38 02-13, TN – HP-POL43/HC-CER1V1 et al. (CHLIC); GSA-COVER, et al. (CHC-TN).

    © 2024 Cigna Healthcare.

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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.

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