a look at 2021 · agent/broker use only • tier 3 insulin drugs (preferred brand insulins) will be...

Agent/Broker Use Only

Plans, programs, services

A LOOKAT 2021

897883 08/20 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2020 Cigna 6



2021 EXPANSIONNEW FOOTPRINT AND MARKET SOLUTIONS

Effective 1/1/21 – Diabetics will now save on their insulin medications AND diabetes care*

HI

AK

MT

OR

WA

IDOR

TX

NDMN

WIMI RI

ME

NHVT

MANY

PA NJDEMD

VAWV

NCSC

GA

FL

ALMSLA

NMAZ

CANV UT

WYSD

NE

COKS

IA

MO

AR

IL IN OH

KYTN

DC

CT

OK

Expansion market or new solution in 2021

Current footprint On & Off Exchange in 2020

CO – Expansion: El Paso, Teller, Larimer, Weld

FL – Expansion: No. FL: LeonCentral FL: Lake, Seminole, Orange, Osceola,

So. FL: Broward, Indian River, Martin, St. Lucie

IL – 2nd Network option: Cook, Kane, DuPage, Lake and McHenry

NC – Expansion: Raleigh/Durham: Alamance, Person, Lee, Granville, Vance, Warren, Franklin; New 2nd Rural Broad Network – in 55 NEW counties

VA – Expansion: Spotsylvania


• Tier 3 insulin drugs (preferred brand insulins) will be capped at $25 out-of-pocket cost per 30 day supply and will not be subject to the deductible. A member will not be responsible for more than the capped amount.

• $0 for diabetes equipment

• $0 for diabetes supplies on the Cigna drug list.

• $0 for diabetes management training

• $0 for select labs/exams


INTRODUCINGTHE CIGNA DIABETES CARE SOLUTION

Effective 1/1/21 – Diabetics will now save on their insulin medications AND diabetes care*

*Discounts available with the Cigna Patient Assurance Program. $25 is the maximum out-of-pocket cost for a 30-day supply.


• Plan designs will highlight a robust and lean option in each market to fit consumer needs

• More affordable price point versus Off Exchange mirror plans

• Not exclusive to ICHRA programs – available to all customers looking for an Off Exchange solution

• May appeal to customers that have funds provided through an employer and are looking to purchase an IFP ACA-compliant plan


INTRODUCINGOFF EXCHANGE ONLY OPTIONS

Effective 1/1/21 – We will have two or more ICHRA compatible silver plan options available Off Exchange in each market.


• Driven by local market & broker feedback for more holistic based care

• Cost sharing for office visits will range from $0 - $15 depending on base & CSR Plan

• Services performed during the office visit are covered

• Limit of 20 visits per year; medical necessity needed after 12 visits


INTRODUCINGVIRGINIA ACUPUNCTURE BENEFIT

Effective 1/1/21 – Additional acupuncture benefits now included in Virginia


• Our integrated Cigna Plus with Northwestern Medicine plans deliver the best of both worlds – all with the common goals of improving health and making health care simpler.

• Anchored by the No. 1 Hospital in Illinois,* Northwestern Medicine provides leading-edge treatments and personalized medicine at more than 200 locations across Northern Illinois


INTRODUCINGCIGNA PLUS with NORTHWESTERN MEDICINE

Effective 1/1/21 – New network solution in our Chicago markets including the No. 1 hospital in Illinois*

*Northwestern Memorial Hospital by U.S. News & World Report, 2020-21.https://health.usnews.com/best-hospitals/area/il/northwestern-memorial-hospital-6430545

https://health.usnews.com/best-hospitals/area/il/northwestern-memorial-hospital-6430545



INTRODUCINGTHE TAKE CONTROL REWARDS PROGRAM

Coming Mid January, 2021– Complete actions, earn rewards through the Take Control Rewards program, an exclusive program available in select markets to Policyholders over the age of 18

• Available mid-January, 2021 in TN, MO, VA & FL • Earn up to $225 in points for completing actions such as sign up for

mycigna, complete a wellness exam, learn about your benefits.

• Points can be exchanged for products or experiences. Top products and experience redeemed last year were:

• Movie tickets • Instant pot • Echo Dot

CIGNA CONNECTED CAREONE GUIDE®

Better guidance. Better Behavior. Better health.

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INFLUENCINGSMART CHOICES

• Predictive analytics • Intuitive digital experience• Real empathy

Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2020 Cigna 14

When it matters most• Finding quality care

• Avoiding unexpected bills

• Understanding how to get the most from the plan

• Getting treatment decision support

• Managing life-changing diagnoses

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BETTER HEALTH

GUIDING TO THE RIGHT CARE TO DRIVE BEHAVIOR

45%customer utilization of high-performing networks1

29%fewer avoidable ER visits2

BETTER GUIDANCE.BETTER BEHAVIOR.

INCREASING ENGAGEMENT TO DRIVE OUTCOMES

58%more customers connected to case management3

55%more gaps in care closed3

15Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2020 Cigna897883 08/20

16

MYCIGNATODAY’S SIMPLIFIED DIGITAL EXPERIENCE

Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2020 Cigna

Example used for illustrative purposes only. Subject to change. Actual costs and coverage will vary.

Welcome, Lou!

$1,000.00

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Continuing to lead the way – now offering Behavioral Health

CIGNA VIRTUAL CARE



EASY ACCESS

Whenever – 24/7/365 medical, including holidays and weekends. Appointments scheduled in minutes for behavioral care.

Wherever – at home, at work or on the go.

However – via video or phone.

Whomever – adult and pediatric care for medical. Adults age 18+ for behavioral.

Whyever – care for minor medical conditions and behavioral health needs.

VIRTUAL CAREBREAKS DOWN THE WALLS

QUALITYBoard-certified providers, pediatricians and licensed therapists and psychiatrists use integrated care tools to better understand a patient's history and connect with their PCP.

COST EFFECTIVEMost medical plans have $0 copays, making virtual care for minor acute medical conditions cost less than ER or urgent care center visits.*

CONVENIENTPrescriptions sent directly to a local pharmacy, if appropriate.

**Provided by MDLIVE. ***Costs vary based on plan design and subject to behavioral health parity.

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CONDITIONS TREATEDBY LICENSED AND CERTIFIED PROVIDERS

MEDICAL VIRTUAL CARE• Acne• Allergies• Asthma • Bronchitis• Colds and flu• Constipation• Diarrhea • Earaches• Fevers• Headaches• Infections

• Insect bites• Joint aches• Nausea • Pink eye• Rashes• Respiratory infections• Shingles• Sinus infections• Skin infections• Sore throats• Urinary tract

infections

Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2020 Cigna

BEHAVIORAL VIRTUAL CARE• Addictions• Bipolar disorders• Child/adolescent

issues• Depression• Eating disorders• Grief/loss

• Panic disorders• Postpartum

depression• Stress• Trauma/PTSD

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2021

CIGNA DENTAL


SUPPORT FOR PROSPECTING, QUOTING AND APPLYING• Customizable marketing material on CignaforBrokers.com• Capability to push out quotes and have customers self-

service • Quote and enroll dental plans in less than 10 minutes

FAST POLICY ISSUEPolicies auto-issue within 24 hours with little to no service support needed

YEAR-ROUND CROSS-SELLING• Establish a client base to market Medical during Open

Enrollment, as well as Medicare Supplement• Continue to grow your business all year long

Competitive Commissions New 2021 Renewal 2022

Cigna Dental Preventive 10% 10%

Cigna Dental 1000 20% 10%

Cigna Dental 1500 20% 10%

SUPPORT FOR PROSPECTING, QUOTING AND APPLYING• 93K dentists and providers*• 297K+ locations across all 50 states

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RESOURCESMAKING IT EASIER FOR YOU

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GIVING BACKCOMMITTED TO THOSE WE SERVE

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1 in 7 people struggle with hunger in the U.S. Feeding America is a hunger relief organization with a nationwide network of food banks feeding the hungry.

Girls on the Run is a life-changing program for 8- to 13-year-old girls that promotes girl empowerment by teaching life skills through lessons and running.

March of Dimes leads the fight for the health of all moms and babies. We use research, advocacy, and education to give every baby the best possible start.


APPENDIX

Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2020 Cigna 23897883 08/20


2021 MEDICAL MARKETS BY STATEState Core Markets Service areas with medical product and network offering

Arizona Phoenix Maricopa County – HMO with Connect Network

Colorado Denver Metro and Boulder Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, El Paso, Jefferson, Larimer, Teller and Weld counties –EPO with Connect Network

Florida

Collier Collier County– EPO with Connect Network

Treasure Coast Indian River, Martin and St. Lucie counties – EPO with Connect Network

Central FL Lake, Seminole, Orange and Osceola counties – EPO with Connect Network

Leon Leon County – EPO with Connect Network

South FL Palm Beach and Broward County– EPO with Connect Network

Illinois Chicago Cook, DuPage, Grundy, Kane, Kankakee, Kendall, and Will counties – HMO with Connect NetworkCook, Kane, Dupage, Lake and McHenry – NEW HMO - Cigna Plus network

Kansas Kansas City Leavenworth, Wyandotte, Johnson, and Miami counties – EPO with Connect Network

Wichita Harvey, Sedgewick, Butler, and Sumner counties – EPO with Connect Network

MissouriKansas City Cass, Clay, Jackson, Platte, and Ray counties – EPO with Connect Network

St. Louis Lincoln, Warren, St. Charles, St. Louis City, St. Louis County, Franklin, Jefferson, Washington, St. Francois, Ste. Genevieve, and Boone counties – EPO with Connect Network

916862a 05/20 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2020 Cigna 24


2021 MEDICAL MARKETS BY STATEState Core Markets Service areas with medical product and network offering

North Carolina

Raleigh/Durham Person, Alamance, Orange, Durham, Lee, Granville, Vance, Warren, Franklin, Wake and Johnston counties – HMO with Connect Network

Rural expansion

Montgomery, Moore, Richmond, Scotland, Hoke, Robeson, Cumberland, Harnett, Bladen, Sampson, Duplin, Onslow, Wayne, Greene, Wilson, Pitt, Edgecombe, Nash, Halifax, Northampton, Hertford, Gates, Chowan, Perquimans, Pasquotank, Camden, Currituck, Bertie, Martin, Carteret, Jones, Pamlico, Craven, Lenoir, Beaufort, Hyde, Dare, Tyrrell, Washington, Cherokee, Graham, Clay, Macon, Swain, Jackson, Transylvania, Haywood, Madison, Buncombe, Henderson, Polk, Rutherford, McDowell, Yancey, Mitchell, Avery counties – HMO with Connect Network

Tennessee

Memphis Fayette, Haywood, Lauderdale, Shelby, and Tipton counties – EPO with Connect Network

Knoxville Anderson, Blount, Campbell, Claiborne, Cocke, Grainger, Hamblen, Jefferson, Knox, Loudon, Monroe, Morgan, Roane, Scott, Sevier and Union counties – EPO with Connect Network

Nashville Cheatham, Davidson, Montgomery, Robertson, Rutherford, Sumner, Trousdale, Williamson, and Wilson counties –EPO with Connect Network

Tri-Cities Carter, Greene, Hancock, Hawkins, Johnson, Sullivan, Unicoi, and Washington counties – EPO with Connect Network

Chattanooga Bledsoe, Bradley, Franklin, Grundy, Hamilton, Marion, McMinn, Polk, Rhea, and Sequatchie counties– EPO with Connect Network

Jackson Benton, Carroll, Chester, Crockett, Decatur, Dyer, Gibson, Hardeman, Hardin, Henderson, Henry, Lake, Madison, McNairy, Obion, Weakley counties– EPO with Connect Network

Utah Salt Lake City Davis, Salt Lake, Utah/Provo, and Weber Counties – EPO with Connect Network

VirginiaNoVA

Alexandria City, Arlington, Clarke, Fairfax City, Fairfax, Falls Church City, Loudoun, Manassas City, Manassas Park City, Prince William, Stafford, Frederick, Spotsylvania, Winchester, and Warren counties – EPO with Connect Network

Richmond Amelia, Charles City, Chesterfield, Dinwiddie, Hanover, Henrico, Prince George, Sussex, Colonial Heights City, Hopewell City, Petersburg City and Richmond City counties – EPO with Connect Network

916862a 05/20 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2020 Cigna 25

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, Connecticut GeneralLife Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., and Cigna HealthCare of North Carolina, Inc. The Cigna name, logo, and other Cigna marks areowned by Cigna Intellectual Property, Inc.

897883 08/20 © 2020 Cigna. Some content provided under license.

Agent/broker use only. Do not distribute.

a look at 2021 · agent/broker use only • tier 3 insulin drugs (preferred brand insulins) will be...

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