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Health Plans for Businesses
- Overview
- Global Health Solutions for SMEs and Large Corporates
Businesses
Health Plans for Businesses
- Overview
- Global Health Solutions for SMEs and Large Corporates
Businesses
Health Plans for Businesses
- Overview
- Global Health Solutions for SMEs and Large Corporates
Businesses
Health Plans for Businesses
- Overview
- Global Health Solutions for SMEs and Large Corporates
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- Overview
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About Us
Your health plan offers more than you may realize – unleash its full potential.
Get clear, trusted guidance on how your Cigna Healthcare plan works. Make informed decisions, get care faster, and protect your wellbeing every day.
Educate. Simplify. Support. Empower.
Understand the basics
Learn what your plan covers and how to use it effectively
Navigate care with ease
Find the right doctor, submit claims, and access support services quickly
Use digital tools smarter
Discover the apps and features designed to make healthcare simpler
Make informed decisions
Get clarity on costs, coverage, and care options
Why you should understand your healthcare plan
Only 20% of people feel confident in their health insurance knowledge. Most people feel like they don’t fully understand their own coverage plans.
25% find terms like “deductible” and “coinsurance” hard to understand. Even basic insurance language can be confusing without clear communication.
Nearly two-thirds avoid changing plans because it’s too stressful. 62% find plan choices overwhelming, leading many to stay in plans that may not suit their needs.
75% of people who do understand their benefits are satisfied with them. Understanding directly links to satisfaction with coverage.
Health Insurance Literacy Season 1 Episode 1: Meet your provider network
Discover how health care networks work, and why knowing your network helps employees access care more smoothly.
The Health Knowledge Series
Health Literacy: The benefits of improving how we talk about, ask about, and understand our health
Health literacy is an essential part of health care. For example, good health literacy enables people to know why, how, and when to get preventive care, like screenings or vaccines, to understand dosage instructions, and to be aware of the adverse reactions that are associated with their medications.
How Health Insurance Literacy Powers Employees to Take Charge of Their Vitality and Well-being
By taking proactive steps to educate and support employees and their families, employers can help ensure a more informed workforce, leading to happier and healthier employees.
High health insurance literacy associated with improved vitality, work productivity, and health outcomes
New research from Cigna Healthcare delves into the importance of health insurance literacy, which is the ability to understand, evaluate, and use health insurance information to make informed decisions.
14 stats that highlight the significance of health insurance literacy
Enhancing understanding of benefit plans can increase care utilization and improve health and vitality.
Plain and simple, health literacy makes a difference
Cigna Healthcare has an unwavering focus on health literacy, and using plain language rather than jargon is a big part of that. While clear communications with our customers is always top of mind, Cigna Healthcare emphasizes plain language, engaging employees and showing them ways to communicate clearly and empower our customers to move toward better health.
Building health insurance literacy: How the City of Naples empowers employees through proactive education
The approach combines innovative communication, strategic leadership, and tangible results with employee benefits education.
Useful links for employers and brokers
Empower your employees or clients with better health insurance literacy. When employees understand their health plans, they use benefits more proactively, improving well-being, reducing surprises, and delivering stronger ROI.
ABC of Care
Essential healthcare terms explained
Deductible
The amount you must pay out of pocket each year before your insurance starts covering costs.
Pre‑authorization
Approval from the insurance provider required before certain treatments, tests, or procedures are covered.
Co‑insurance
The percentage of medical costs you pay after your deductible has been met. The insurer pays the remaining share.
Co‑pay
A fixed amount you pay for a medical service, such as a doctor visit or prescription, at the time of care.
Claim
A request submitted to the insurance provider asking them to pay for a medical service you received.
Reimbursement
Money paid back to you by the insurer if you covered medical expenses upfront and filed a claim.
Network
A group of healthcare providers that have an agreement with an insurance provider to offer services. Using in‑network providers usually means lower out‑of‑pocket costs for you.
Out‑of‑pocket
The amount you pay yourself for healthcare services that are not covered by insurance, including co‑pays, deductibles, and co‑insurance.
Ready to make the most of your healthcare plan?
Guides and quick resources
Health insurance basics (PDF)
Learn more about health insurance basics, including key terms and coverage essentials, in a simple, easy-to-follow guide.
Your coverage explained (PDF)
Understand your health coverage with a clear guide that explains what’s included and how it works.
Your guide to authorizations, claims & reimbursements (PDF)
Discover how health care requests and payments are handled from start to finish.
Choosing the right care path (PDF)
Find out how to choose the right healthcare option based on your needs and situation.
Managing preventative and chronic care (PDF)
Get informed about whether your health plan covers preventive and chronic care, and what those services mean for you.
Well-being & digital tools guide (PDF)
Explore about digital tools that can support your health and simplify your care.
Frequently Asked Questions
How can I access information about my coverage online?
What happens if I need to submit a health insurance claim?
How do cashless medical insurance claims work?
What can I use the Cigna Envoy® platform for?
What additional support does a Cigna Healthcare plan include?
How do I choose a health insurance plan?
Is health insurance mandatory in the UAE?
What benefits does Cigna Healthcare Middle East offer?
Contact Us
Whether you wish to speak to our sales team or get general help if you are an existing Cigna member, we can get you to the right information.
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Existing Member? Login and manage your account with the Cigna Envoy® website
© Cigna Healthcare. All rights reserved.
Cigna Healthcare and Cigna HealthcareSM (Cigna Healthcare) are registered service marks of The Cigna Group and/or one of more of its subsidiaries. Products and services are provided by these subsidiaries, affiliates and other contracted companies and not by The Cigna Group. The material provided herein is provided for information purposes only and is believed accurate as of the date of publication, and is subject to change. This material should not be relied upon as legal advice. Products and services may not be available in all jurisdictions and are expressly excluded where prohibited by applicable law. The material provided herein is only a general description of benefits. Please consult your policy booklet or contact Cigna Healthcare for a complete listing of policy coverage and applicable exclusions and limitations. Cigna Healthcare does not provide medical care and cannot predict medical outcomes.
