Plans and Services
- Medical
- Pharmacy
- Health and Wellness Programs
- Behavioral Health Programs
- Dental and Vision
- Health Savings and Spending Accounts
- Cost Control Strategies
- Supplemental Health Solutions
- Accidental Injury, Critical Illness, and Hospital Care (Indemnity) Insurance
Who We Serve
By Size
- 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)
By Type
- Hospitals and Health Systems
- Higher Education
- K-12 Education
- State and Local Governments
- Taft-Hartley and Federal
- Third-Party Administrators
- View all business types
International
- Health Insurance for Expats
- IGO/NGOs
- Multinational Businesses
Employer Resources
- Cigna for Employers Portal Features
- Learn more about the tools and resources you'll have access to in the Cigna for Employers online portal.
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
Cigna Healthcare Small Group Health Plans for Employers with 2-50 Employees
Get small business health insurance plans created with your workforce in mind.
Building a new benefits package?
Plans offered by Cigna Health and Life Insurance Company
Health Insurance Plans Designed for Workforces with 2-50 Employees
Navigating health plan decisions can be challenging for small business owners. And employees may find it difficult to understand their benefits and find the right care.
With Cigna Healthcare, you get more than a plan. You get a partner with quality plan options, personalized healthcare support, and lower costs.
You and your employees will have access to benefits that can help reduce costs and deliver the care you need, when you need it.
$0 dedicated
virtual urgent care1
Estimated $250 in annual savings
per year on essential customer medications. 2
Health Plan Information by State
Arizona
Key Information for Employers
Employer Application for Arizona [PDF]
Summary of Benefits and Coverage (SBC)
Cigna Healthcare LocalPlus® Platinum $750 AZ SBC [PDF]
Cigna Healthcare LocalPlus® Gold $1250 AZ SBC [PDF]
Cigna Healthcare LocalPlus® Gold $1800 AZ SBC [PDF]
Cigna Healthcare LocalPlus® Gold $2750 AZ SBC [PDF]
Cigna Healthcare LocalPlus® Silver $3550 AZ SBC [PDF]
Cigna Healthcare LocalPlus® Silver $4250 AZ SBC [PDF]
Cigna Healthcare LocalPlus® Silver $5000 AZ SBC [PDF]
Cigna Healthcare LocalPlus® Bronze $6000 HSA AZ SBC [PDF]
Cigna Healthcare LocalPlus® Bronze $7500 AZ SBC [PDF]
Cigna Healthcare LocalPlus® Bronze $7900 HSA AZ SBC [PDF]
Cigna Healthcare Open Access Plus Platinum $750 AZ SBC [PDF]
Cigna Healthcare Open Access Plus Gold $1250 AZ SBC [PDF]
Cigna Healthcare Open Access Plus Gold $1800 AZ SBC [PDF]
Cigna Healthcare Open Access Plus Gold $2750 AZ SBC [PDF]
Cigna Healthcare Open Access Plus Silver $3550 AZ SBC [PDF]
Cigna Healthcare Open Access Plus Silver $4250 AZ SBC [PDF]
Cigna Healthcare Open Access Plus Silver $5000 AZ SBC [PDF]
Cigna Healthcare Open Access Plus Bronze $6000 HSA AZ SBC [PDF]
Cigna Healthcare Open Access Plus Bronze $7500 AZ SBC [PDF]
Cigna Healthcare Open Access Plus Bronze $7900 HSA AZ SBC [PDF]
Schedule of Benefits (SOB)
Cigna Healthcare LocalPlus® Platinum $750 AZ SOB [PDF]
Cigna Healthcare LocalPlus® Gold $1250 AZ SOB [PDF]
Cigna Healthcare LocalPlus® Gold $1800 AZ SOB [PDF]
Cigna Healthcare LocalPlus® Gold $2750 AZ SOB [PDF]
Cigna Healthcare LocalPlus® Silver $3550 AZ SOB [PDF]
Cigna Healthcare LocalPlus® Silver $4250 AZ SOB [PDF]
Cigna Healthcare LocalPlus® Silver $5000 AZ SOB [PDF]
Cigna Healthcare LocalPlus® Bronze $6000 HSA AZ SOB [PDF]
Cigna Healthcare LocalPlus® Bronze $7500 AZ SOB [PDF]
Cigna Healthcare LocalPlus® Bronze $7900 HSA AZ SOB [PDF]
Cigna Healthcare Open Access Plus Platinum $750 AZ SOB [PDF]
Cigna Healthcare Open Access Plus Gold $1250 AZ SOB [PDF]
Cigna Healthcare Open Access Plus Gold $1800 AZ SOB [PDF]
Cigna Healthcare Open Access Plus Gold $2750 AZ SOB [PDF]
Cigna Healthcare Open Access Plus Silver $3550 AZ SOB [PDF]
Cigna Healthcare Open Access Plus Silver $4250 AZ SOB [PDF]
Cigna Healthcare Open Access Plus Silver $5000 AZ SOB [PDF]
Cigna Healthcare Open Access Plus Bronze $6000 HSA AZ SOB [PDF]
Cigna Healthcare Open Access Plus Bronze $7500 AZ SOB [PDF]
Cigna Healthcare Open Access Plus Bronze $7900 HSA AZ SOB [PDF]
Evidence of Coverage (EOC)
Cigna Healthcare LocalPlus® AZ EOC [PDF]
Cigna Healthcare Open Access Plus AZ EOC [PDF]
Cigna Healthcare LocalPlus® AZ EOC - HSA [PDF]
Cigna Healthcare Open Access Plus AZ EOC - HSA [PDF]
Policy Document
Cigna Healthcare Small Group Policy Agreement AZ [PDF]
Drug List
Georgia
Key Information for Employers
Employer Application for Georgia [PDF]
Summary of Benefits and Coverage (SBC)
Cigna Healthcare LocalPlus® Platinum $900 GA SBC [PDF]
Cigna Healthcare LocalPlus® Gold $0 GA SBC [PDF]
Cigna Healthcare LocalPlus® Gold $1250 GA SBC [PDF]
Cigna Healthcare LocalPlus® Gold $2500 GA SBC [PDF]
Cigna Healthcare LocalPlus® Gold $3500 GA SBC [PDF]
Cigna Healthcare LocalPlus® Silver $3500 GA SBC [PDF]
Cigna Healthcare LocalPlus® Silver $4250 GA SBC [PDF]
Cigna Healthcare LocalPlus® Silver $5000 GA SBC [PDF]
Cigna Healthcare LocalPlus® Silver $6550 GA SBC [PDF]
Cigna Healthcare LocalPlus® Bronze $6500 HSA GA SBC [PDF]
Cigna Healthcare Open Access Plus Platinum $900 GA SBC [PDF]
Cigna Healthcare Open Access Plus Gold $0 GA SBC [PDF]
Cigna Healthcare Open Access Plus Gold $1250 GA SBC [PDF]
Cigna Healthcare Open Access Plus Gold $2500 GA SBC [PDF]
Cigna Healthcare Open Access Plus Gold $3500 GA SBC [PDF]
Cigna Healthcare Open Access Plus Silver $3500 GA SBC [PDF]
Cigna Healthcare Open Access Plus Silver $4250 GA SBC [PDF]
Cigna Healthcare Open Access Plus Silver $5000 GA SBC [PDF]
Cigna Healthcare Open Access Plus Silver $6550 GA SBC [PDF]
Cigna Healthcare Open Access Plus Bronze $6500 HSA GA SBC [PDF]
Schedule of Benefits (SOB)
Cigna Healthcare LocalPlus® Platinum $900 GA SOB [PDF]
Cigna Healthcare LocalPlus® Gold $0 GA SOB [PDF]
Cigna Healthcare LocalPlus® Gold $1250 GA SOB [PDF]
Cigna Healthcare LocalPlus® Gold $2500 GA SOB [PDF]
Cigna Healthcare LocalPlus® Gold $3500 GA SOB [PDF]
Cigna Healthcare LocalPlus® Silver $3500 GA SOB [PDF]
Cigna Healthcare LocalPlus® Silver $4250 GA SOB [PDF]
Cigna Healthcare LocalPlus® Silver $5000 GA SOB [PDF]
Cigna Healthcare LocalPlus® Silver $6550 GA SOB [PDF]
Cigna Healthcare LocalPlus® Bronze $6500 HSA GA SOB [PDF]
Cigna Healthcare Open Access Plus Platinum $900 GA SOB [PDF]
Cigna Healthcare Open Access Plus Gold $0 GA SOB [PDF]
Cigna Healthcare Open Access Plus Gold $1250 GA SOB [PDF]
Cigna Healthcare Open Access Plus Gold $2500 GA SOB [PDF]
Cigna Healthcare Open Access Plus Gold $3500 GA SOB [PDF]
Cigna Healthcare Open Access Plus Silver $3500 GA SOB [PDF]
Cigna Healthcare Open Access Plus Silver $4250 GA SOB [PDF]
Cigna Healthcare Open Access Plus Silver $5000 GA SOB [PDF]
Cigna Healthcare Open Access Plus Silver $6550 GA SOB [PDF]
Cigna Healthcare Open Access Plus Bronze $6500 HSA GA SOB [PDF]
Evidence of Coverage (EOC)
Cigna Healthcare LocalPlus® GA EOC [PDF]
Cigna Healthcare Open Access Plus GA EOC [PDF]
Cigna Healthcare LocalPlus® GA EOC - HSA [PDF]
Cigna Healthcare Open Access Plus GA EOC - HSA [PDF]
Policy Document
Cigna Healthcare Small Group Policy Agreement GA [PDF]
Drug List
Georgia 5 Tier Drug List [PDF]
Small Group PPACA No Cost-Share Preventive [PDF]
All Preventives Drug List (for Cigna Healthcare Small Group) [PDF]
Tennessee
Key Information for Employers
Employer Application for Tennessee [PDF]
Summary of Benefits and Coverage (SBC)
Cigna Healthcare LocalPlus® Platinum $0 TN SBC [PDF]
Cigna Healthcare LocalPlus® Gold $0 TN SBC [PDF]
Cigna Healthcare LocalPlus® Gold $3000 TN SBC [PDF]
Cigna Healthcare LocalPlus® Silver $3500 TN SBC [PDF]
Cigna Healthcare LocalPlus® Silver $3500 HSA TN SBC [PDF]
Cigna Healthcare LocalPlus® Silver $4250 TN SBC [PDF]
Cigna Healthcare LocalPlus® Silver $5500 TN SBC [PDF]
Cigna Healthcare LocalPlus® Silver $6450 TN SBC [PDF]
Cigna Healthcare LocalPlus® Bronze $5750 TN SBC [PDF]
Cigna Healthcare LocalPlus® Bronze $6000 HSA TN SBC [PDF]
Cigna Healthcare Open Access Plus Platinum $0 TN SBC [PDF]
Cigna Healthcare Open Access Plus Gold $0 TN SBC [PDF]
Cigna Healthcare Open Access Plus Gold $3000 TN SBC [PDF]
Cigna Healthcare Open Access Plus Silver $3500 TN SBC [PDF]
Cigna Healthcare Open Access Plus Silver $3500 HSA TN SBC [PDF]
Cigna Healthcare Open Access Plus Silver $4250 TN SBC [PDF]
Cigna Healthcare Open Access Plus Silver $5500 TN SBC [PDF]
Cigna Healthcare Open Access Plus Silver $6450 TN SBC [PDF]
Cigna Healthcare Open Access Plus Bronze $5750 TN SBC [PDF]
Cigna Healthcare Open Access Plus Bronze $6000 HSA TN SBC [PDF]
Schedule of Benefits (SOB)
Cigna Healthcare LocalPlus® Platinum $0 TN SOB [PDF]
Cigna Healthcare LocalPlus® Gold $0 TN SOB [PDF]
Cigna Healthcare LocalPlus® Gold $3000 TN SOB [PDF]
Cigna Healthcare LocalPlus® Silver $3500 TN SOB [PDF]
Cigna Healthcare LocalPlus® Silver $3500 HSA TN SOB [PDF]
Cigna Healthcare LocalPlus® Silver $4250 TN SOB [PDF]
Cigna Healthcare LocalPlus® Silver $5500 TN SOB [PDF]
Cigna Healthcare LocalPlus® Silver $6450 TN SOB [PDF]
Cigna Healthcare LocalPlus® Bronze $5750 TN SOB [PDF]
Cigna Healthcare LocalPlus® Bronze $6000 HSA TN SOB [PDF]
Cigna Healthcare Open Access Plus Platinum $0 TN SOB [PDF]
Cigna Healthcare Open Access Plus Gold $0 TN SOB [PDF]
Cigna Healthcare Open Access Plus Gold $3000 TN SOB [PDF]
Cigna Healthcare Open Access Plus Silver $3500 TN SOB [PDF]
Cigna Healthcare Open Access Plus Silver $3500 HSA TN SOB [PDF]
Cigna Healthcare Open Access Plus Silver $4250 TN SOB [PDF]
Cigna Healthcare Open Access Plus Silver $5500 TN SOB [PDF]
Cigna Healthcare Open Access Plus Silver $6450 TN SOB [PDF]
Cigna Healthcare Open Access Plus Bronze $5750 TN SOB [PDF]
Cigna Healthcare Open Access Plus Bronze $6000 HSA TN SOB [PDF]
Evidence of Coverage (EOC)
Cigna Healthcare LocalPlus® TN EOC [PDF]
Cigna Healthcare Open Access Plus TN EOC [PDF]
Cigna Healthcare LocalPlus® TN EOC - HSA [PDF]
Cigna Healthcare Open Access Plus TN EOC - HSA [PDF]
Policy Document
Cigna Healthcare Small Group Policy Agreement TN [PDF]
Drug List
Tennessee 5 Tier Drug List [PDF]
Small Group PPACA No Cost-Share Preventive [PDF]
All Preventives Drug List (for Cigna Healthcare Small Group) [PDF]
Additional Resources
Forms and Important Documents
Cigna Healthcare Deductible Carryover Form [PDF]
Cigna Healthcare 2025 Employee Enrollment Form AZ [PDF]
Cigna Healthcare 2025 Employee Enrollment Form GA [PDF]
Cigna Healthcare 2025 Employee Enrollment Form TN [PDF]
Cigna Healthcare 2025 Employee Waiver Form AZ [PDF]
Cigna Healthcare 2025 Employee Waiver Form GA [PDF]
Cigna Healthcare 2025 Employee Waiver Form TN [PDF]
Disabled Dependent Form (Family) [PDF]
Disabled Dependent Form (Physician) [PDF]
Utilization Management Form Notice [PDF]
Behavioral Health Authorization Request Form [PDF]
Grievance and Appeal Form [PDF]
Cigna Healthcare Member Claim Form [PDF]
Cigna Healthcare Medical Authorization Request Form [PDF]
Out-of-Network Referral Disclosure Form [PDF]
Continuity and Transition of Care Guidelines [PDF]
Prescription Reimbursement Form - Claim Form [PDF]
Mail Order Prescription Form [PDF]
Prescription Reimbursement Form - Prior Authorization Form [PDF]
Authorization to Disclose Protected Health Information [PDF]
Sales Support Documents
Small Group ACH Authorization Form [PDF]
Corporate Officer/Proprietor/Partner Verification Form [PDF]
2025 Small Group Broker Sales Kit [PDF]
Broker Plan Grid - Arizona 2025 [PDF]
Broker Plan Grid - Georgia 2025 [PDF]
Broker Plan Grid - Tennessee 2025 [PDF]
Quarterly Rate Sheet Q1 2025 - Arizona [PDF]
Quarterly Rate Sheet Q1 2025 - Georgia [PDF]
Quarterly Rate Sheet Q1 2025 - Tennessee [PDF]
Quarterly Rate Sheet Q2 2025 - Arizona [PDF]
Quarterly Rate Sheet Q2 2025 - Georgia [PDF]
Quarterly Rate Sheet Q2 2025 - Tennessee [PDF]
Quarterly Rate Sheet Q3 2025 - Arizona [PDF]
Quarterly Rate Sheet Q3 2025 - Georgia [PDF]
Quarterly Rate Sheet Q3 2025 - Tennessee [PDF]
Quarterly Rate Sheet Q4 2025 - Arizona [PDF]
Quarterly Rate Sheet Q4 2025 - Georgia [PDF]
Quarterly Rate Sheet Q4 2025 - Tennessee [PDF]
Broker Commission Schedule 2025 [PDF]
Broker Sales Instructions for New Business [PDF]
Broker Sales Instructions for Renewal Business [PDF]
Cigna Healthcare Networks - Arizona [PDF]
Cigna Healthcare Networks - Georgia [PDF]
Cigna Healthcare Networks - Tennessee [PDF]
Cigna+Oscar Product Comparison [PDF]
Small Group 2025 Underwriting Guidelines [PDF]
2025 Small Group Broker Flyer [PDF]
2025 Small Group Medicare Creditable Coverage Determinations [PDF]
Find in-network providers
View prescription drug lists
Why Smaller Businesses Choose Cigna Healthcare
To meet your organization's unique needs, Cigna Healthcare designed health plans with small companies in mind, offering fully connected medical, pharmacy, and behavioral health benefits that inspire healthy outcomes.
Affordability
Our plans and programs make it easy for you to get affordable, quality care with $0 dedicated virtual urgent care1 and $0 preventive care visits.3 Many generic prescription drugs priced at $0 for most plans and access to our Patient Assurance Program.4
Network Options
You have the option of choosing large national or focused local networks. Cigna Healthcare Open Access Plus is a broader discounted national network with 1,000,000+ doctors, specialists, and other professionals, and 17,000+ hospital and clinical facilities.5 This network offers out-of-area coverage. Cigna Healthcare LocalPlus® provides a locally curated network of doctors, specialists, and hospitals that offer cost-effective medical care without sacrificing the quality employees expect.
24/7 Virtual Care
Members have 24/7 virtual access to MDLIVE’s primary care physician, dermatology and behavioral health networks for routine visits, as well as low-cost dedicated virtual urgent care and $0 virtual wellness screenings.1
Guided Customer Care
Get help from personalized health coaches to manage specific conditions like diabetes. Or speak to a specialty pharmacist at our Therapeutic Resource Centers.
Personalized Digital Tools
The myCigna® website and mobile app6 help you find quality in-network providers, order and refill prescriptions, pay claims and more. You also get data-driven alerts for health coaching, specialized care and cost savings.
24/7/365 Customer Service
Have a question about your plan? Need help finding an in-network doctor? Call anytime for help when using your plan or navigating your benefits. Plus, if you have a health question, you can speak to a licensed clinician 24 hours a day.
Virtual Benefits Education
Resources to Share With Your Employees
Ideal for new enrollees and employees looking for general information on how health plans work.
Knowledge Center
Member Guide
View Cigna Healthcare Company Names
1 $0 virtual care (no cost share) for eligible preventive care and Dedicated Virtual Urgent Care for minor acute medical conditions. Not available for all plans. HSA plans and non-minor acute medical care may apply a copay, coinsurance or deductible. Cigna Healthcare provides access to Dedicated Virtual Care through a national telehealth provider, MDLIVE located on myCigna, as part of your health plan. Providers are solely responsible for any treatment provided to their patients.
2 Patient Assurance Program results as of August 2022. Caps contingent on adoption/availability of program, including, without limitation, availability of manufacturer value. Health benefit plans vary.
3 Availability of $0 preventive care (no cost share) by plan may vary. Includes eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Reference plan documents for a list of covered and non-covered preventive care services.
4 Health benefit plans may be different, but in general to be eligible for coverage a drug must be approved by the Food and Drug Administration (FDA), prescribed by a health care professional, purchased from a licensed pharmacy, and be medically necessary. If your plan provides coverage for certain prescription drugs with no cost-share, you may have to use an in-network pharmacy to fill the prescription. If you use a pharmacy that does not participate in your plan’s network, your prescription may not be covered or reimbursement may be limited by your plan’s copayment, coinsurance, or deductible requirements. Look at your plan documents for more information about your plan’s prescription drug coverage. Discounts available with the Cigna Healthcare Patient Assurance Program. $25 is the maximum out-of-pocket cost for a 30-day supply.
5 Cigna Healthcare’s internal data as of May 2024. Subject to change.
6 The downloading and use of the myCigna Mobile App is subject to the terms and conditions of the App and the online store from which it is downloaded. Standard mobile phone carrier and data usage charges apply.
All 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) (CHLIC), Evernorth Behavioral Heath, Inc., Evernorth Care Solutions, Inc., Express Scripts, Inc. or their affiliates. Cigna Healthcare insurance coverage contains exclusions and limitations. For complete details on product availability coverage, please refer to your plan documents.
© 2024 Cigna Healthcare.
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Disclaimer
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.
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.