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The protection of a fully insured plan with the cash flow advantages and cost savings when claims are lower than expected similar to a self-funded plan.

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Group health insurance and health benefit plans are insured or administered by Cigna Health and Life Insurance Company or its affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Group Universal Life (GUL) insurance plans are insured by CGLIC. Life (other than GUL), accident, critical illness, hospital indemnity, and disability plans are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). Products may not be available in all areas. All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.

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Cigna Minute: Shared ReturnsÂ® Minimum Premium

Cigna Minute:
Shared ReturnsÂ^® Minimum Premium