Cigna 2012-07-21T19:07:43+00:00

Cigna

Starmark indicates a commitment to clients that is simple: Deliver customized healthcare benefits and true personal service to small businesses and their employees.

“From our robust and flexible fully insured products to our innovative self-funding options, it’s easy to understand why employers choose Starmark for healthcare benefits. The personal service that follows, including employer courtesy phone calls, as well as prompt answers from friendly service representatives, is the reason employers choose to stay with Starmark year after year.”

Financial Strength

Starmark administers both fully insured and self-funded health plans. Trustmark Life Insurance Company insures fully insured plans and provides stop-loss insurance for self-funded plans. Trustmark Life is a subsidiary of Trustmark Mutual Holding Company. As a mutual holding company managed for the benefit of policyholders, Trustmark is committed to long-term financial stability and has assets of more than $1.7 billion. View Trustmark’s financial summary. Trustmark is rated “A-” (Excellent) by A.M. Best, the industry’s most followed analyst of financial stability.

Starmark Signature Plans

  • Signature Advantage is a PPO plan with separate in-and out-of-network deductible and coinsurance accruals — ideal with strong networks.
  • Signature Select is a PPO plan with a combined accrual of in- and out-of-network services — best with limited networks.
  • Signature Freedom is an indemnity plan typically available only to groups located in ZIP codes without network physicians or hospitals.

The Signature Plans are ideal for employers seeking:

  • True flexibility with the ability to customize coverage to meet your needs
  • Familiarity for your employees
  • An office visit feature with copays
  • Prescription drug card with $0 deductible on generic drugs
  • Lab Card® Program included with all plans in the series
  • Options, such as preventive care and supplemental accident coverage
  • Freedom to choose any provider

Starmark Consumer Health

Is ideal for employers that would likely use a Health Savings Account seeking:

  • Flexibility in plan design
  • Lab Card Select, a lab discount program for outpatient laboratory testing
  • Options, such as preventive care and supplemental accident coverage
  • Freedom to choose any provider
  • The ability to establish a health savings account for tax advantages
  • Choice of any HSA administrator, including Starmark’s recommended custodian, HSA Bank TM

For more information on Starmark or it’s group health care plans visit: http://www.starmarkinc.com/cps/rde/xchg/starmark/hs.xsl/index.htm

Facts about Cigna

One of the largest health service companies in the US market, Cigna also operates internationally in 29 countries, and has approximately 66 million customer relationships worldwide. Headquartered in Bloomfield, Connecticut, Cigna serves its customers with nearly 30,000 dedicated employees. Cigna is listed on the New York Stock Exchange (NYSE: CI) and is a component of the S&P 500 stock index.

Learn more facts about Cigna.

CIGNA Products and Services for Smaller Employers

Preferred Provider Organization (PPO)
CIGNA’s PPO provides employees with a broad choice in hospitals and health care professionals through a nationwide network. Savings are greatest when employees and their covered dependents get in-network care. No referrals are necessary. The benefits include:

  • Quality and convenience
  • Customizable plan designs and funding options
  • No primary care physician (PCP) requirement
  • No referral requirement
  • Wellness features and disease management programs
  • Simplified administration and hassle-free service
  • Contact your Cigna representative for more information.

Open Access Plus (OAP)

CIGNA’s Open Access Plus is a medical product solution for employers who desire choice and convenience, along with cost control. An OAP provides large discounts and access to Cigna’s national network of health care professionals. Employees and their covered dependents have the option of choosing a primary care physician to help guide their care. No referrals are needed. The benefits include:

  • Competitive network discounts
  • Flexible plan designs and funding options
  • Cost control through customizable plan designs, which encourage the use of in-network health care professionals
  • Primary care physician (PCP) use encouraged
  • No referral requirement
  • Simplified administration and hassle-free service
  • Contact your Cigna representative for more information.

Health Maintenance Organization (HMO)
CIGNA’s HMO is a physician directed, participating health care professional-only plan, for employers concerned about costs. The benefits include:

  • Care directed by primary care physicians (PCPs) that can result in earlier intervention and better, more cost-effective outcomes
  • Referral requirement to see specialists
  • Wellness features and disease management programs

Cigna Consumer Advantage
This plan is a three-tier PPO that offers affordable coverage by distinguishing between preventive, serious, and routine or scheduled services. The benefits include:

  • Coverage that individuals can understand because it includes the traditional deductibles, co-pays and coinsurance
  • Coverage based on a three-tiered approach that distinguishes between preventive, serious, and routine or scheduled services, which can lower costs
  • Health management services and programs
  • 24/7 access to our websites
  • CIGNA’s Cigna Consumer Advantage plans are only available on a self-funded basis.

Consumer-driven Health Plans

Cigna consumer-driven health plans deliver a true consumer-focused solution. We focus on shifting behaviors, not costs, to create active participants who are encouraged and rewarded for choosing quality care.

Health Reimbursement Account (HRA)

CIGNA’s Health Reimbursement Account covers employees through an account funded by employer contributions. Within the HRA, one can choose from innovative plan design options, including self-funding and fully-insured

Health Savings Account (HSA)

Our Health Savings Account (HSA) allows the company and/or employees to fund a savings account that offers tax advantages and investment options. Employees can use savings to pay for qualified medical expenses, and unused funds will remain in their account year-to year. Also, you can choose from innovative compatible plan design options, including self-funding and fully-insured

Learn more.