Cigna 2008 Annual Report Download - page 23

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• CIGNA Choice Fund®, Health Reimbursement Arrangements (“HRAs”), Health Savings Accounts (“HSAs”) and Flexible
Spending Accounts (“FSAs”). In connection with many of the products described above, CIGNA HealthCare offers the CIGNA
Choice Fund suite of consumer-directed products, including HRA, HSA and FSA options. An HRA allows employers to choose
from a variety of benefit plan designs and for employees to fund un-reimbursed health care expenses with reimbursement account
funds that can be rolled over from year to year. HSA plans allow employers to choose from a variety of benefit plan designs and
funding options and combine a high deductible payment feature for a health plan with a tax-preferred savings account offering
mutual fund investment options. Funds in an HSA can be used to pay the deductible and for other eligible tax-deductible medical
expenses. In connection with its consumer-directed products, CIGNA HealthCare offers Custom Benefit BuilderSM, a tool that
allows members to customize plan options including co-payments and deductible levels, to create a personalized benefit design
that meets their individual needs. In 2007, CIGNA HealthCare expanded the availability of its HRA plans to smaller businesses
with 51-200 employees and also began offering an integrated HSA product to this segment. The HRA and HSA products for
employers with 51-200 employees are now available in 49 states.
• Stop-Loss Coverage. CIGNA HealthCare offers stop-loss insurance coverage to both experience-rated and self-insured plans.
This stop-loss coverage reimburses the plan for claims in excess of some predetermined amount, either for individuals
(“specific”) or the entire group (“aggregate”), or both.
• Shared Administration Services. CIGNA HealthCare makes shared administration products available to self-insured Taft-Hartley
trusts and other groups. CIGNA HealthCare provides these self-insured plans access to its national provider network and
provides claim re-pricing and other services (e.g. utilization management).
Specialty
Health Advocacy and CareAllies®. Through its CareAllies brand, CIGNA HealthCare offers medical management, disease
management, and health advocacy services to employers and other plan sponsors. CareAllies services are not only offered to
members covered under CIGNA HealthCare administered plans but also to those employees who have elected coverage under a plan
offered through their employer by competing insurers/third party administrators. CareAllies offers a consistent set of services to
address the clinical and administrative inconsistencies that are inherent in the multi-vendor approach. Through its health advocacy
programs, CIGNA HealthCare works to:
• help healthy people stay healthy;
• help people change behaviors that are putting their health at risk;
• help people with existing health care issues access quality care and practice healthy self-care; and
• help people with a disabling illness or injury return to productive work quickly and safely.
In addition, CIGNA HealthCare offers a wide array of programs and services to help individuals improve the health of the mind
and body, including:
• early intervention by CIGNA’s network of approximately 2,400 clinical professionals;
• CIGNA’s online health assessment, powered by analytics from the University of Michigan Health Management Research Center,
which helps members identify potential health risks and learn what they can do to live a healthier life;
• the CIGNA Well Aware for Better Health® program, which helps patients with chronic conditions such as asthma, diabetes,
depression and weight complications better manage their conditions;
• CIGNA Health Advisor®, one of our fastest-growing offerings, which provides members with access to a personal health coach to
help them reach their health and wellness goals;
• CIGNA’s Well Informed program (first available in January 2008), which uses clinical rules-based software to identify potential
gaps and omissions in members’ health care through analysis of the Company’s integrated medical, behavioral, pharmacy and lab
data allowing CIGNA HealthCare to communicate the gaps to the member and the member’s doctor; and