Our March Product of the Month is Cigna’s HealthCare Choices. The provider has relaunched its corporate private medical insurance (PMI) plan, which is now called Company Health and makes up one third of its new HealthCare Choices proposition, which includes two new plans:
* YourHealth. This variant offers three choices, which are: 1) Diagnostics, 2) Diagnostics and out-patient, and 3) Diagnostics and outpatient/day case. YourHealth is designed as a valuable reward for employees who do not already have PMI, focusing on only those treatments they are most likely to need.
* Essential Health. This variant includes cover for musculoskeletal (MSD) and mental health conditions only, as these are key drivers of absence and productivity issues in the workplace for employees who do not have full PMI cover already. EssentialHealth offers three options: 1) MSD and psychiatric diagnostics and outpatient, 2) MSD and psychiatric diagnostics and outpatient/day case, and 3) MSD and psychiatric diagnostics and all treatment.
In addition, CompanyHealth, the most comprehensive plan of the three, offers a choice of three new cancer options. These are 1) Core (which provides basic cover only, paying for treatments not available on the NHS due to lack of funding, plus diagnostics only [otherwise, members will be switched after diagnosis to the NHS for treatment]), 2) Active cancer cover (includes second line treatments for secondary cancers, known as metastatic spread), and 3) Premier cancer cover, which pays for all active and evidence-based treatments at all stages of the disease plus clinical trials and also pays a donation towards hospice care, home nursing or family carer in the event that treatment becomes palliative. Psychiatric treatment can be included or excluded, as can cardiac treatment.
All versions of the plan are available to firms with 100+ employees and can also be included as an option within a flex (flexible benefits) scheme. Cigna’s case management managed care system is adopted on all variants of the plan.
What They Say
Head of product management Kirsty Jagielko said: “The majority of employers will require comprehensive cover for their employees, and Cigna’s expanded choices for CompanyHealth are ideally placed to provide this. However, we’re aware that some employers need more flexibility in terms of what they can offer, particularly for previously uninsured groups.”
What We Say
"Cigna has widened the choices available on its company-paid PMI scheme, and points out that 88% of people won’t actually need inpatient cover. So, in effect, employers can now insure for what employees are most likely to use, for what will be of most benefit to the company or go for the traditional more comprehensive solution.
"The new options are part of Cigna’s plans to grow the market rather than just rely on rebroked business and we commend that. Has it done enough to achieve this? On its own, these changes may not particularly achieve that, but Cigna looks to be busy with a range of new launches and ideas, so we hope that that goal is ultimately reached."