Health Plan Coverage

Healthier Workforce. Greater Savings.

healthcare professional and patient interacting

Discover savings, freedom, and simplicity with level-funded health plans from Cigna Healthcare for small businesses.

In today’s dynamic business environment, the health of your employees plays a crucial role in the success of your business. With the aim to support both, the Chamber has teamed up with Cigna Healthcare to provide health plans that address your team’s health while focusing on cost-efficiency.

Through our partnership with Cigna Healthcare, you will enjoy benefits like:

Through our partnership with Cigna Healthcare, you will enjoy benefits like:

Chamber members are eligible to receive an exclusive 2% discount on Cigna Level Funding^® health plans.

Cigna Level Funding^® clients — 57% receive a surplus at the plan year end, with an average surplus amount of $45,000.

Cigna Level Funding^® has been working to provide solutions for smaller to mid-size companies for 15+ years.

Explore Cigna Healthcare Offerings

Flexible Funding Options

Cigna Level Funding^®* offers all the advantages of self-funding along with financial predictability.

*Cigna Healthcare offers administrative services for self-funded plans with as few as 25 full-time employees.

Affordability & Productivity

Integrated plans that include medical, behavioral and pharmacy benefits work together to improve health outcomes and lower costs.

Comprehensive Coverage

All Cigna Healthcare plans for small businesses include local and national network options, offering flexibility to fit your specific needs.

Open Access Plus (OAP) network is a broader discounted national network with 1,000,000+ doctors, specialists, and other professionals, and 17,000+ hospital and clinical facilities. This network offers out-of-area coverage. The OAP network includes 98% of all practicing physicians in the Memphis metro area, including independent physicians as well as physicians employed by Methodist Le Bonheur Healthcare, Baptist Memorial Health Care, St. Francis Healthcare, and Regional One Health.

LocalPlus^® network provides a locally curated network of doctors, specialists, and hospitals that offer high quality, cost-effective medical care.

Employer & Employee Plan Features

24/7/365 live customer service, including personalized navigation and support with Cigna One Guide^®.

MDLIVE^® suite of virtual services, including primary care, urgent care, dermatology, and behavioral health.

Health engagement team to guide your health engagement strategy and help connect employees with ways to utilize and access their health plan.

Cigna Healthcare Well-Being Solution provides a personalized digital health and well-being experience.

Personalized digital experience through myCigna^® website and app.

Optional Traditional Health Plans

Cigna Healthcare Small Group plans are available for businesses with 2–25 employees. Traditional, fully insured plans are built for small businesses with at least one qualified full-time (or full-time equivalent) employee, other than the business owner or a spouse.

MEMBER

Q&A

Consilience Group, LLC

Meredith Hennessy, Principal & Practice Leader

Memphis small businesses don’t have to choose between quality and affordability. With UnitedHealthcare plans, we can have both. It’s a tremendous relief to know you’re taking care of your employees as well as your bottom line.