Introduction to Cigna Health Plans in 2017: A Comprehensive Overview
When it comes to healthcare, it is essential to have comprehensive and reliable coverage that meets your needs. Cigna, a renowned provider in the insurance industry, offers a range of health plans tailored to individuals, families, and small businesses for the year 2017. In this article, we will provide you with a comprehensive overview of Cigna health plans, highlighting their benefits, coverage options, factors to consider when choosing a plan, and the emphasis on preventive care and wellness programs.
Cigna: A Trusted Name in Healthcare Insurance
Cigna is a global health service company that has been around for over 200 years. With an extensive network of healthcare professionals, hospitals, and facilities, Cigna aims to provide accessible and quality healthcare services to individuals and families. Their commitment to customer-centricity and innovative solutions sets them apart in the insurance market.
Benefits of Cigna Health Plans for Individuals and Families in 2017
Cigna offers a wide range of health plans specifically designed to meet the unique needs of individuals and families in 2017. These plans provide comprehensive coverage, including hospital stays, doctor visits, prescription drugs, preventive care, and more. With Cigna, individuals and families have access to a broad network of healthcare providers, ensuring that they receive quality care and personalized attention.
One of the key benefits of Cigna health plans is their focus on preventive care and wellness programs. In addition to covering basic healthcare needs, Cigna offers various wellness initiatives to help individuals and families lead healthier lives. These include discounted gym memberships, access to comprehensive health assessments, online tools for monitoring health goals, and personalized coaching to make positive lifestyle changes.
In 2017, Cigna health plans also offer telehealth services, enabling individuals to consult with healthcare professionals remotely, saving time and providing convenience. This feature proves particularly beneficial in situations where an in-person appointment may not be necessary, such as minor illnesses or follow-up consultations.
Exploring the Coverage Options and Plans Offered by Cigna Health Plans in 2017
Cigna health plans provide a range of coverage options to cater to diverse needs and budgets. These options include Preferred Provider Organization (PPO) plans, Health Maintenance Organization (HMO) plans, and Exclusive Provider Organization (EPO) plans.
PPO plans offer flexibility by allowing individuals to seek care from both in-network and out-of-network providers. With a PPO plan, individuals have the freedom to choose their primary care physician and specialists without requiring a referral.
HMO plans, on the other hand, require individuals to select a primary care physician who coordinates their care. Referrals from the primary care physician are necessary to see specialists within the network. HMO plans often offer lower out-of-pocket costs compared to PPO plans.
EPO plans combine aspects of both PPO and HMO plans. Like a PPO plan, individuals can receive care from out-of-network providers, but with the same level of coverage as in-network providers. However, like an HMO plan, individuals need a referral to see specialists within the network.
What to Consider When Choosing Cigna Health Plans for 2017: Factors to Evaluate
When selecting a Cigna health plan for 2017, it is essential to consider certain factors to ensure the plan meets your specific healthcare needs:
- Cost: Evaluate the plan’s premiums, deductibles, copayments, and coinsurance to determine its affordability. It is crucial to strike a balance between your budget and the level of coverage you require.
- Network: Check if your preferred healthcare providers are included in Cigna’s network. Also, consider the proximity of network facilities, such as hospitals and clinics, to your residence or workplace for added convenience.
- Coverage: Assess the plan’s coverage for medical services, prescription drugs, preventive care, specialty care, and any additional benefits that align with your healthcare requirements.
- Flexibility: Determine if the plan offers flexibility in choosing healthcare providers, such as the ability to visit specialists without a referral, seeking care from out-of-network providers, or using telehealth services for virtual consultations.
- Customer Service: Research Cigna’s customer service reputation and consider their responsiveness and support in addressing any queries or concerns.
- Prescription Drug Coverage: Analyze the plan’s coverage for prescription drugs, including formulary lists, copayments, and coverage for brand-name or generic medications that you may require.
By thoroughly evaluating these factors, you can make an informed decision and select the most suitable Cigna health plan for 2017 that meets your healthcare needs and budget.
Understanding the Benefits of Cigna Health Plans for Individuals and Families in 2017
1. Affordable Premiums and Deductibles
Cigna Health Plans in 2017 offer individuals and families the benefit of affordable premiums and deductibles. With the rising costs of healthcare, it is crucial to have access to a plan that is cost-effective. Cigna understands this need and has designed its plans to provide individuals and families with competitive pricing options. The premiums and deductibles are structured in a way that balances affordability without compromising on the quality of care.
2. Network of Healthcare Providers
One of the key advantages of Cigna Health Plans in 2017 is the extensive network of healthcare providers that they offer. Cigna has partnered with a wide range of doctors, specialists, and hospitals, ensuring that individuals and families have access to high-quality healthcare services. This network provides peace of mind, knowing that there are healthcare professionals available in your area, who are ready to provide the necessary care and treatment when needed.
3. Comprehensive Coverage
Cigna Health Plans in 2017 provide individuals and families with comprehensive coverage for a wide range of healthcare services. From preventive care and wellness programs to coverage for hospital stays, prescription drugs, and specialist visits, Cigna ensures that its members have access to the care they need. This comprehensive coverage not only helps individuals and families maintain their health but also provides financial protection in the event of unexpected medical expenses.
4. Flexibility and Customization
Cigna offers individuals and families the flexibility to choose a plan that suits their specific needs. Whether you require coverage for a specific medical condition, or are looking for a plan that meets your budget and healthcare preferences, Cigna has options that allow for customization. This flexibility ensures that you can find a plan that aligns with your unique healthcare requirements, providing you with the peace of mind that your health and well-being are prioritized.
5. Telehealth Services
Another benefit of Cigna Health Plans in 2017 is the inclusion of telehealth services. Telehealth allows individuals and families to access healthcare professionals remotely, through video consultations or phone calls. This service is particularly useful for non-emergency medical concerns, providing convenience and accessibility without the need for an in-person visit. Cigna recognizes the importance of telehealth services, especially in today’s fast-paced world, and has integrated this feature into their plans to enhance the overall member experience.
6. Health and Wellness Programs
Cigna Health Plans in 2017 place a strong emphasis on preventive care and wellness programs. These programs are designed to help individuals and families maintain optimal health and prevent the onset of chronic conditions. Cigna offers resources such as wellness coaching, health assessments, and personalized action plans to support members in their journey towards improved well-being. By focusing on preventative care, Cigna aims to reduce healthcare costs in the long run while promoting healthier lifestyles for their members.
Cigna Health Plans in 2017 provide individuals and families with a range of benefits including affordable premiums and deductibles, an extensive network of healthcare providers, comprehensive coverage, flexibility and customization options, telehealth services, and a focus on preventive care and wellness programs. These features make Cigna Health Plans a favourable choice for individuals and families looking for quality healthcare coverage in 2017.
3. Exploring the Coverage Options and Plans Offered by Cigna Health Plans in 2017
In 2017, Cigna Health Plans offers a wide range of coverage options and plans to cater to the diverse needs of individuals and families. These plans are carefully designed to provide comprehensive coverage and ensure the well-being of the policyholders. Let’s explore some of the key coverage options and plans offered by Cigna Health Plans in 2017.
H3: Individual and Family Plans
Cigna Health Plans offers individual and family plans that provide coverage for essential health benefits such as doctor visits, hospital stays, prescription medications, and preventive care. These plans come with different levels of coverage, allowing individuals and families to choose the plan that best suits their healthcare needs and budget.
H3: Medicare Plans
Cigna Health Plans also offers Medicare plans for individuals who are eligible for Medicare. These plans provide coverage for hospital stays, doctor visits, prescription drugs, and other healthcare services. Cigna offers a variety of Medicare plans, including Medicare Advantage plans, Medicare Supplement plans, and Medicare Part D prescription drug plans.
H3: Employer-Sponsored Plans
Cigna Health Plans works closely with employers to offer comprehensive healthcare coverage to their employees. These employer-sponsored plans provide coverage for preventive care, doctor visits, hospital stays, prescription medications, and more. With Cigna, employers can choose from a variety of plan options, including Preferred Provider Organization (PPO) plans, Health Maintenance Organization (HMO) plans, and High Deductible Health Plans (HDHP).
H3: International Plans
For individuals who frequently travel or work overseas, Cigna Health Plans offers international health insurance plans. These plans provide coverage for emergency medical expenses, hospital stays, doctor visits, and prescription medications while abroad. Cigna’s international plans offer a network of healthcare providers worldwide, ensuring access to quality healthcare services no matter where policyholders are.
H3: Dental and Vision Plans
In addition to medical coverage, Cigna Health Plans also offers standalone dental and vision plans. These plans provide coverage for routine dental check-ups, cleanings, fillings, eye exams, prescription glasses, and contact lenses. Cigna’s dental and vision plans are designed to promote overall health and well-being by addressing the unique needs of oral and visual health.
H3: Specialty Plans
Cigna Health Plans also offers specialty plans to meet the specific needs of individuals with complex medical conditions. These plans provide comprehensive coverage for specialized treatments, medications, and therapies. Cigna’s specialty plans are designed to ensure that individuals with chronic illnesses or complex medical conditions receive the care they need to manage their health effectively.
Cigna Health Plans in 2017 offer a wide range of coverage options and plans to cater to the diverse needs of individuals, families, and businesses. Whether you are looking for individual and family plans, Medicare plans, employer-sponsored plans, international plans, dental and vision plans, or specialty plans, Cigna has a solution that will suit your healthcare needs. Take the time to evaluate your needs and compare the various plans offered by Cigna to find the one that best fits your requirements and budget.
What to Consider When Choosing Cigna Health Plans for 2017: Factors to Evaluate
When it comes to selecting the right health insurance plan for yourself or your family, there are several key factors to consider. Cigna Health Plans in 2017 offer a range of options designed to meet the diverse needs of individuals and families. By considering these factors, you can make an informed decision and choose a plan that best suits your healthcare requirements.
Coverage Options and Network
One of the first things to consider when evaluating Cigna Health Plans for 2017 is the coverage options available. Cigna offers a variety of plans, including HMO, PPO, and POS, each with its own network of healthcare providers. It is important to understand the differences between these types of plans and determine which one aligns with your preferences and healthcare needs. Additionally, you should identify if your preferred healthcare providers are included in the plan’s network or if you are open to seeing new doctors.
Costs and Affordability
Another crucial factor to consider is the cost and affordability of the health plan. Look at the monthly premiums, deductibles, co-pays, and coinsurance amounts associated with each plan. Evaluate how these costs fit within your budget and determine the level of financial protection you desire. It is worth noting that plans with lower premiums often have higher deductibles, while those with higher premiums may offer lower out-of-pocket costs. Finding the right balance between monthly costs and potential expenses can help you choose a plan that meets your needs and budget.
Prescription Drug Coverage
If you regularly rely on prescription medications, it is vital to review the prescription drug coverage provided by each Cigna Health Plan. Consider factors such as the list of covered medications, tiered pricing, and any restrictions or limitations on certain drugs. Make sure the plan you select adequately covers the medications you currently take or anticipate needing in the future. Assessing this aspect can save you significant costs and ensure you have access to the medications you require.
Additional Benefits and Services
Apart from basic healthcare coverage, Cigna Health Plans may offer additional benefits and services that can enhance your overall healthcare experience. Look for perks such as wellness programs, preventive care services, and access to telemedicine. Consider whether these extras align with your healthcare preferences and lifestyle. Wellness programs and preventive care services can help you manage your health proactively and reduce the risk of more serious health issues in the long run.
Customer Service and Support
It is essential to assess the level of customer service and support offered by Cigna Health Plans. Evaluate factors such as the ease of navigating the website, access to online tools and resources, customer service availability, and the reputation of the company for handling claims and inquiries promptly. A health insurance provider that provides excellent customer service can make a significant difference in your overall experience.
When evaluating Cigna Health Plans for 2017, considering these factors can help you make an informed decision based on your unique healthcare needs and preferences. Assessing coverage options, costs, prescription drug coverage, additional benefits, and customer service will empower you to select a plan that provides comprehensive coverage and supports your health and wellness goals.
Cigna Health Plans for Small Businesses: An Ideal Solution for Employee Healthcare in 2017
Small businesses often face unique challenges when it comes to providing healthcare benefits for their employees. Rising healthcare costs and limited resources make it difficult for small businesses to offer comprehensive coverage that meets their employees’ needs. However, Cigna Health Plans for small businesses in 2017 provides an ideal solution that addresses these challenges.
Streamlined Process for Small Businesses
Cigna understands the complexities of running a small business and offers health plans designed specifically for companies with fewer employees. Their streamlined process makes it easy for small businesses to navigate through the enrollment and administrative tasks. With Cigna, small business owners can spend less time managing healthcare benefits and more time focusing on growing their business.
Affordable Coverage Options
One of the major concerns for small businesses is the cost of providing healthcare benefits to their employees. Cigna Health Plans for small businesses in 2017 offers a range of affordable coverage options that can be tailored to fit the needs and budget of each company. Employers can choose from different plan designs, including high-deductible health plans, preferred provider organization (PPO) plans, and health savings account (HSA) plans. This flexibility allows small businesses to provide quality healthcare coverage while managing costs effectively.
Wide Network of Healthcare Providers
Access to a comprehensive network of healthcare providers is crucial for employees when choosing a health plan. Cigna Health Plans for small businesses in 2017 offers a wide network of doctors, hospitals, and specialists, ensuring that employees have access to quality care wherever they are located. This network gives employees the freedom to choose healthcare providers that best suit their needs, providing peace of mind and a sense of control over their healthcare decisions.
Employee Wellness Programs
Cigna understands that preventive care and wellness programs play a significant role in overall employee health and productivity. In 2017, Cigna Health Plans for small businesses has placed a strong emphasis on promoting employee wellness. They offer a variety of wellness programs, including health risk assessments, personalized coaching, and resources for managing chronic conditions. By encouraging employees to take an active role in their health, these programs help reduce healthcare costs and improve overall well-being.
Support and Customer Service
Small business owners and their employees sometimes need additional support and guidance when it comes to healthcare benefits. Cigna is committed to providing exceptional customer service and offers support to employers and employees throughout the entire healthcare journey. Whether it’s answering questions about coverage, helping with claims, or providing assistance with healthcare decisions, Cigna ensures that small businesses have the support they need to navigate the complexities of healthcare.
Cigna Health Plans for small businesses in 2017 provides a comprehensive and affordable solution for healthcare benefits. With a streamlined process, affordable coverage options, a wide network of healthcare providers, employee wellness programs, and exceptional customer service, Cigna is an ideal choice for small businesses looking to provide quality healthcare benefits to their employees. By partnering with Cigna, small businesses can take care of their employees’ health needs while focusing on the growth and success of their business.
Cigna Health Plans in 2017: Emphasizing Preventive Care and Wellness Programs
In 2017, Cigna Health Plans has placed a strong emphasis on preventive care and wellness programs for its members. Understanding the importance of proactive measures to maintain good health and prevent future medical issues, Cigna Health Plans has integrated various initiatives and tools into their coverage to encourage a healthy lifestyle and promote overall well-being. With a focus on preventive care, Cigna Health Plans aims to help individuals and families lead healthier lives while reducing healthcare costs in the long run. In this section, we will explore the specific programs and benefits that Cigna Health Plans offers to support preventive care and wellness.
1. Health Risk Assessment Tools and Personalized Action Plans
Cigna Health Plans provides members with access to health risk assessment tools. These tools allow individuals to identify potential health risks and assess their overall well-being. By completing a health risk assessment, members receive personalized action plans that outline specific steps to address their individual health needs. These action plans may include recommendations for healthy lifestyle changes, such as increasing physical activity, improving nutrition, or quitting tobacco use.
2. Preventive Care Services
Cigna Health Plans covers a wide range of preventive care services at no extra cost to their members. These services may include routine check-ups, vaccinations, screenings for various medical conditions, and counseling services. By covering these preventive services, Cigna Health Plans aims to encourage members to seek early detection and intervention for potential health issues, reducing the likelihood of more serious medical conditions in the future.
3. Wellness Programs and Incentives
Cigna Health Plans offers various wellness programs designed to help members achieve and maintain a healthy lifestyle. These programs may include weight management programs, smoking cessation support, stress management resources, and fitness incentives. By incentivizing healthy habits, Cigna Health Plans encourages members to actively engage in their own well-being, fostering long-term health improvements and minimizing the need for costly medical interventions.
4. Telehealth Services
Recognizing the convenience and accessibility of telehealth services, Cigna Health Plans offers virtual doctor visits through their telehealth program. This allows members to consult with healthcare professionals remotely using their smartphones or computers. Telehealth services are particularly beneficial for preventive care, as they make it easier for individuals to access medical advice and assistance without the need for in-person visits. This can be especially valuable for individuals who live in remote areas or have limited mobility.Cigna Health Plans in 2017 is dedicated to promoting preventive care and wellness among its members. Through health risk assessment tools, preventive care coverage, wellness programs, and telehealth services, Cigna Health Plans aims to empower individuals and families to take control of their health and well-being. By focusing on prevention, Cigna Health Plans helps reduce healthcare costs while improving the overall health outcomes for its members.
Conclusion
In conclusion, Cigna Health Plans in 2017 offer a comprehensive range of benefits and coverage options for individuals, families, and small businesses. With a focus on preventive care and wellness programs, Cigna is committed to helping their members stay healthy and active. The various plan options cater to different needs and budgets, ensuring that everyone can find a plan that suits their specific requirements.
Cigna Health Plans in 2017 provide numerous benefits for individuals and families. From comprehensive coverage for medical expenses to access to a wide network of healthcare providers, Cigna ensures that its members receive high-quality care whenever they need it. Additionally, Cigna offers a range of additional services such as virtual coaching and access to a 24/7 nurse hotline, further enhancing the overall healthcare experience.
When choosing Cigna Health Plans for 2017, it is important to consider various factors. This includes evaluating the coverage options and benefits offered by each plan, as well as the cost and level of care provided. It is also essential to consider any specific healthcare needs, such as chronic conditions or prescription medications, and ensure that the chosen plan adequately covers these requirements. By carefully evaluating these factors, individuals and families can select a plan that meets their unique healthcare needs.
For small businesses, Cigna Health Plans in 2017 offer an ideal solution for employee healthcare. With flexible plan options and competitive pricing, Cigna ensures that small businesses can provide their employees with comprehensive coverage without breaking the bank. These plans not only support the health and well-being of employees but also contribute to a positive working environment and increased employee satisfaction.
One of the standout features of Cigna Health Plans in 2017 is the emphasis on preventive care and wellness programs. Cigna understands the importance of early detection and proactive measures in maintaining good health. With various initiatives such as health risk assessments, preventive screenings, and wellness coaching, Cigna encourages its members to take charge of their health and make informed decisions.
In conclusion, Cigna Health Plans in 2017 are designed to cater to the diverse healthcare needs of individuals, families, and small businesses. With a focus on comprehensive coverage, affordability, and preventive care, Cigna ensures that its members receive the highest-quality care possible. By evaluating the different plan options and considering individual healthcare needs, individuals and businesses can make an informed decision when choosing Cigna Health Plans for 2017. With Cigna, health and well-being are prioritized, allowing members to live life to the fullest.