Cigna 2009 Annual Report Download - page 15

CIGNA in Perspective 13
CIGNA HealthCare is a health service company that provides health
plans and services, o ering companies and individuals an integrated
suite of medical, dental, behavioral health, pharmacy and vision care
coverage. For individuals, CIGNA provides innovative programs and
tools to empower people to become active participants in managing
their health. CIGNA operates on the belief that better health gives
people a foundation for pursuing 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: Medicare Part D plans in 50 states; Private Fee-for-
Service, including Medicare Advantage plans with and without
prescription coverage in 28 states; and a Medicare HMO in Arizona
• 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. The organization’s
disability programs help to improve employee productivity and
lower employers’ overall costs. Disability programs may be integrated
with family medical and leave of absence administration and CIGNA
HealthCare medical and health advocacy programs. In most cases,
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 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, business travel accident and
medical with bene ciary services, travel assistance programs and
identity theft program
• Workers’ compensation and disability case management with
medical bill review, pharmacy bene t management, utilization
management and return-to-work programs
CIGNA International, with active operations in countries across
Europe, Asia-Paci c and North America, provides health care and
medical care management services to employers and employees,
as well as direct-marketed life, accident and supplemental health
insurance to individuals in select markets around the world. The
organization is also a leading provider of specialized health care
and related employee insurance bene ts to expatriate employees
of multinational companies on international assignments virtually
anywhere in the world.
Products and Services
• Life, accident and supplemental health 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 benefi ts: 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
Improving health physically,
emotionally and fi nancially.
* Some Healthy Rewards programs are not available in all states. If your CIGNA plan includes coverage for any of these services, this program
is in addition to, not instead of, your plan coverage. A discount program is NOT insurance, and you must pay the entire discounted charge.