Cigna 2010 Annual Report Download - page 15

CIGNA in Perspective 13
CIGNA HealthCare provides health plans
and services to both companies and the individual
market. CIGNA oers an integrated suite of medical,
dental, behavioral health, pharmacy and vision
care coverage. We provide innovative programs and
services that focus on the individual needs of those
we serve, while improving their health and lowering
medical costs. CIGNA empowers people to become
active participants in pursuing better health, so
they can enjoy a better life.
Products and Services
• Medical: wide spectrum of insured and
self-insured medical plan options including
Customer-Directed Health Plans (Health
Reimbursement Accounts, Health Savings
Accounts and Flexible Spending Accounts);
Health Maintenance Organization (HMO),
Network, Point of Service, Open Access Plus,
Preferred Provider Organization (PPO),
Individual and Voluntary plans; Stop Loss
coverage; and Shared Administrative Services
• Pharmacy: tiered coverage designs with
a range of plans; and mail-order, online and
retail pharmacy
• Dental: DHMO, DPPO, DEPO, indemnity and
blended plans; and a dental discount program
• Vision: PPO, indemnity and managed care plans
• Behavioral: mental health, behavior
modication, substance abuse, and work/life
and employee assistance programs
• Seniors: Individual and group Medicare Part D,
as well as additional group oerings such
as Medicare Advantage, supplement and
coordination plans
• Care Management: health coaching, disease
and condition management, and lifestyle
management programs
• Onsite Health: onsite health clinics and
health advocates at employer locations
• Cost Containment Services
CIGNA Group Insurance is one of the
top providers of group disability, life and accident
coverage in the United States. Through its insuring
subsidiaries, CIGNA Group Insurance oers a variety
of programs and services to help employees stay
healthy and on the job. When a disability does
occur, CIGNA Group Insurance delivers through
fast, ecient claim service and support programs
that help employees as they recover and return to
work quickly and safely. CIGNA Group Insurance’s
disability programs are designed to help improve
employee productivity and lower employers’
overall costs.
CIGNA Group Insurance’s disability programs
can also be integrated with family medical and
leave-of-absence administration, and CIGNA
HealthCare medical and health advocacy programs.
CIGNA’s research has shown that integration can
further improve return-to-work rates and lower
medical and disability costs. All group products
are coupled with comprehensive tools and services
for easy benet management. These products
also come with access to free will preparation,
identity theft resolution services and CIGNA’s
Healthy Rewards® program, which oers
a variety of discounts on health and wellness
products and services.
Products and Services
• Short- and long-term disability insurance and
management including comprehensive health
and wellness, stay-at-work and return-to-work
services
• Family medical and leave-of-absence management
• Integration of disability services with CIGNA
HealthCare and health advocacy programs
• Comprehensive employee assistance programs
available with disability and life products to help
people balance work/life and stay productive
• Group basic term life insurance, group voluntary
term life insurance and group universal life
insurance with beneciary services
• Group basic accident insurance, group voluntary
accident insurance, business travel accident
insurance andbusiness travel accidentwith
medical coverage;these products include travel
assistance, identity theft and beneciary services
• Flexible voluntary administrative solutions for
CIGNA’s disability, life and accident products
CIGNA International, with active
operations in countries across Asia-Pacic,
Europe and North America, provides access to
superior quality health care and related nancial
protection programs to groups and individuals
around the globe. To individuals, the organization
provides direct-marketed supplemental health,
life and accident insurance and private medical
insurance products and programs in key markets
around the world. For employer groups, CIGNA
International oers health care and medical care
management services to cover local employees
in key countries and expatriate employees on
international assignment virtually anywhere
in the world.
Products and Services
• Health, Life, and Accident insurance:
direct-marketed supplemental health
products, such as cash for hospital stays and
critical illness diagnosis; dental; personal
accident; term and variable life insurance;
and credit protection
• Expatriate Benefits: medical, dental,
behavioral, vision, pharmacy, personal
accident, disability, business travel and life
insurance, as well as wellness programs for
expatriate employees
• Health Care: medical and related products
provided through employer group benets
programs in select countries
• Individual Private Medical Insurance:
ranging from surgery, hospital and outpatient
coverage for local citizens to full comprehensive
medical coverage for local and globally
mobile individuals