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Plans and Services
Plans and Services
Who We Serve
Who We Serve
- Small Businesses (2-99 employees)
- Small to Midsize Businesses (100-499 employees)
- Midsize to Large Businesses (500-2,999 employees)
- Large Businesses (3,000+ employees)
- Hospitals and Health Systems
- Higher Education
- K-12 Education
- State and Local Governments
- Taft-Hartley and Federal
- Third-Party Administrators
- View all business types
- Health Insurance for Expats
- IGO/NGOs
- Multinational Businesses
Employer Resources
Employer Resources
Article | February 2018
Mitigating the Impact of High-Deductible Health Plans
Over the years, employee benefits have changed drastically. Today, employers are migrating to high-deductible health plans (HDHPs) in an attempt to control costs in an industry where costs continue to rise exponentially.
Learn how to help ease the transition to a high deductible health plan by offering employer paid supplemental health solutions that provide additional financial protection for employees.
Related Topics
View Cigna Healthcare Company Names
Sources:
- Pew Research Center, “Breadwinner Moms.” Accessed December 2016.
- Cigna HealthcareSM, “2016 Voluntary Benefits Consumer Survey.” September 2016.
GROUP ACCIDENT, CRITICAL ILLNESS AND HOSPITAL CARE INDEMNITY INSURANCE POLICIES PAY LIMITED BENEFITS ONLY. THEY DO NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE AND ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMIUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. THIS COVERAGE IS NOT A MEDICAID OR MEDICARE SUPPLEMENT POLICY.
Product availability may vary by location and plan type and is subject to change. All group insurance policies and benefit plans may contain exclusions, limitations, reduction of benefits, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact your Cigna Healthcare representative.
All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. Term life, disability, accident, accidental injury, critical illness and hospital care plans or insurance policies are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). Group critical Illness is not available in NY. Policy forms: Disability & Term Life - TL-004700 et al; Accident - GA-00-1000.00 et al; Accidental Injury - GAI-00-1000, GAI-00-1000.OR; Critical Illness - GCI-00-1000, GCI-00-0000.OR; Hospital Care - GHIP-00-1000, GHIP-00-1000.ORa.
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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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The insurer is issuing the translated form on an informational basis and the English version is controlling for the purposes of application and interpretation.