Benefit Solutions for Small Employers (2-99)

The right health plan can help your employees stay healthy and productive.

Building a new benefits package?

Plans Designed for Smaller Workforces: 25-99 Employees 1

Smaller businesses work hard. Managing a busy company means making sure your employees stay healthy and productive. To do this, you need a health plan that takes care of not just their physical health, but also their emotional well-being.

Looking for health plans for 2-24 employees?

Through Cigna Healthcare SM * + Oscar, certain employers with 2-24 employees 2 can get affordable small group health insurance plans. Our partnership with Oscar is built around our national and local provider network and Oscar's digital member experience. Learn more about our product offerings and availability and to request a Cigna Healthcare + Oscar quote.

Find in-network providers

Staying in-network can help your clients lower costs.

View prescription drug lists

See which drugs are covered by your plan.

Why Small 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.

Provider Networks

We offer large, nationwide networks or locally focused networks with quality doctors and hospitals. 3

Behavioral Health Support

A large network of behavioral clinicians, self-service digital tools 4 , and employee assistance programs promote mental health. 5

24/7/365 Live Customer Service

Live customer service is available 24/7/365 for any questions or concerns your employees may have.

Virtual Care 6

From urgent care to primary care, behavioral and physical therapy, employees have access to a full suite of telehealth options.

Integrated Pharmacy

Our comprehensive pharmacy management includes available network, formulary, and member cost saving options.

Health and Wellness Engagement

A team of engagement specialists, and comprehensive wellness programs and materials, help educate and engage employees.

Cigna One Guide ®

The Cigna One Guide service combines technology with empathetic human support to help your employees manage their health.

Customized Virtual Benefits Education Website

Two virtual benefit assistants guide and explain the specific Cigna Healthcare-administered benefits you are offering.

Options for Affordability

Select from a wide range of deductible, copay, and coinsurance options, including high-deductible plans.

Virtual Benefits Education

Learn about the Virtual Benefits Education website. (Length: 00:02:26) Watch Video

Funding Solutions for Employers

We offer multiple insured and self-funded funding options employers to help pay for employee benefits. Contact your Cigna Healthcare representative to find out what's available.

Resources to Share With Your Employees

Ideal for new enrollees and employees looking for general information on how health plans work.

Knowledge Center

Informational articles and resources on a wide range of insurance and health care topics.

Member Guide

Getting the most from your plan. Comprehensive info for all new and existing plan holders.

Cigna for Employers Online Portal

Get a personalized view of your company's plan, from the products you offer to your employees' digital engagement performance.

Go to Cigna for Employers Learn more

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*Offered by Cigna Health and Life Insurance Company

1 Cigna Healthcare + Oscar operates in the following geographies: Arizona, Northern and Southern California, Chicago, IL metro, Connecticut (Open Access Plus network only), Georgia, Kanas City, KS metro, Kansas City, MO metro, Philadelphia, PA metro* (Open Access Plus network only), St. Louis, MO metro and Tennessee.

2 In most states, Cigna Healthcare offers group insurance coverage to employers with more than 50 full-time employees, as well as administrative services for self-funded plans with as few as 25 full-time employees.

3 Network and funding options vary by market.

4 Program services are provided by independent companies/entities and not by Cigna Healthcare. Programs and services are subject to all applicable program terms and conditions. Program availability is subject to change.

5 Employee assistance program services are in addition to, not instead of, health plan benefits. These services are separate from health plan benefits and do not provide reimbursement for financial losses. Customers are required to pay the entire discounted charge for any discounted legal and/or financial services. Legal consultations related to employment matters are excluded. Additional restrictions may apply. Program availability may vary by plan type and location, and are not available where prohibited by law.

6 Cigna Healthcare provides access to virtual care through national telehealth providers as part of your plan. This service is separate from your health plan's network and may not be available in all areas.

Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna Healthcare representative.

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), or its affiliates. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT). Policy forms: OK – HP-APP-1 et al., OR – HP-POL38 02-13, TN – HP-POL43/HC-CER1V1 et al. (CHLIC); GSA-COVER, et al. (CHC-TN).

© 2023 Cigna Healthcare.