Plan Offerings:
- Open Access Plus (OAP): Nationwide network with no referral requirements, offering flexibility in choosing providers.
- Preferred Provider Organization (PPO): Broad network access with out-of-network coverage options.
- Health Maintenance Organization (HMO): Coordinated care through primary care physicians, focusing on preventive services.
- LocalPlus®: Cost-effective plans with localized provider networks, suitable for employers seeking regional solutions.
- SureFit® Plans: Customized networks designed in collaboration with local health systems to enhance care coordination.
Key Features:
- Integrated Health Services: Comprehensive coverage encompassing medical, pharmacy, behavioral health, dental, and vision services.
- Wellness Programs: Initiatives like lifestyle management coaching and health assessments to promote employee well-being.
- Behavioral Health Support: Access to a nationwide network of mental health providers and resources.
- Global Reach: Solutions for multinational businesses, including coverage for expatriates and international employees.
Employer Support:
- Digital Tools: Employer portals for plan management and employee engagement analytics.
- Cost Control Strategies: Programs aimed at reducing healthcare expenses through value-based care and preventive services.
Highmark Health: Employer Coverage Overview
Plan Offerings:
- Small Group Plans: Tailored for businesses with 1-50 employees, offering essential health benefits.
- Medium/Large Group Plans: Designed for organizations with 51 or more employees, providing comprehensive coverage options.
- National Accounts: Solutions for companies with a nationwide presence, ensuring consistent benefits across locations.
Key Features:
- Extensive Provider Network: Access to over 1.7 million providers and 95% of hospitals nationwide.
- Behavioral Health Resources: Virtual mental health services and substance use disorder support programs.
- Cost Savings Initiatives: Integrated solutions for pharmacy, spending accounts, and claims management to reduce overall expenses.
- Digital Engagement: Mobile applications and online tools for members to manage their healthcare needs efficiently.
Employer Support:
- Customized Onboarding: Personalized strategies to facilitate smooth transitions to new health plans.
- Educational Resources: Materials and support to help employees understand and maximize their benefits.
Comparative Summary
| Feature | Cigna Healthcare | Highmark Health |
| Plan Variety | OAP, PPO, HMO, LocalPlus®, SureFit® | Small, Medium/Large, and National Group Plans |
| Provider Network | Nationwide with options for localized networks | Nationwide access to 1.7 million providers and 95% of hospitals |
| Behavioral Health Services | Comprehensive mental health and substance use support | Virtual mental health services and substance use disorder programs |
| Wellness Programs | Lifestyle management, health coaching, and preventive care initiatives | Preventive care programs and wellness resources |
| Digital Tools | Employer portals and employee engagement analytics | Mobile apps and online tools for healthcare management |
| Global Coverage | Solutions for multinational businesses and expatriates | Primarily focused on U.S.-based coverage |
| Cost Management Strategies | Value-based care models and integrated health services | Integrated pharmacy and claims solutions to reduce costs |
Final Considerations
- Choose Cigna Healthcare if your organization:
- Operates internationally and requires global health coverage.
- Seeks a wide array of plan options with integrated health services.
- Values comprehensive wellness and behavioral health programs.
- Operates internationally and requires global health coverage.
- Choose Highmark Health if your organization:
- Is primarily U.S.-based and desires extensive national provider access.
- Prioritizes digital engagement tools for employees.
- Aims to implement cost-saving strategies through integrated solutions.
- Is primarily U.S.-based and desires extensive national provider access.