re and related products and services in various customer segments or markets. National: National includes multi-state employers with 5,000 or more U.S.-based, full-time employees. The company primarily offers ASO funding solutions in this market segment. Middle Market: Middle Market includes employers with 250 to 4,999 U.S.-based, full-time employees. This segment also includes single-site employers with approximately 5,000 employees, Taft-Hartley plans and other third party payers. The company offers ASO, experience-rated and guaranteed cost funding solutions in this market segment. Select: Select includes employers with 51-249 eligible employees. The company offers ASO and guaranteed cost funding solutions in this market segment. Individual: Individual includes individuals in 12 states, including Arizona, California, Colorado, Connecticut, Florida, Georgia, North Carolina, Maryland, Missouri, South Carolina, Tennessee and Texas. In 2015, the company offered coverage on eight public health insurance exchanges (Arizona, Colorado, Florida, Georgia, Maryland, Missouri, Tennessee and Texas). In 2016, it would not be on the public exchange in Florida. Consistent with the regulations for Individual PPACA (The Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act) compliant plans, the company offers plans only on a guaranteed cost basis in this market segment. Government: Government includes individuals who are post-65 retirees, as well as employer group sponsored pre- and post-65 retirees. The company offer Medicare Advantage, Prescription Drug programs, and Medicaid products in this market segment including dual-eligible members who receive both Medicare and Medicaid benefits. International: International includes local and multinational companies and organizations and their local and globally-mobile employees and dependents. The company offers guaranteed cost, experience-rated insured and ASO funding solutions in this market segment. Cigna Guided Solutions is the company’s benefit administration and private exchange solution that targets clients who value fully integrated solutions and focus on engaging employees in their benefit offering. In addition, the company participates on various third party private exchanges. The company employs sales representatives to distribute its products and services through insurance brokers and insurance consultants or directly to employers, unions and other groups or individuals. It also employs representatives to sell access to its national participating provider network, utilization review services, behavioral health care and pharmacy management services, and employee assistance services directly to insurance companies, HMOs and third party administrators. As of December 31, 2015, its field sales force consisted of approximately 1,400 sales representatives in approximately 130 field locations. Global Supplemental Benefits segment This segment offers supplemental health, life and accident insurance products in selected international markets and in the U.S. Principal Products and Services Supplemental Health, Life and Accident Insurance Supplemental health, life and accident insurance products provide coverage of risks for the health and financial security of individuals. Supplemental health products provide specified payments for various health risks and include personal accident, accidental death, critical illness, hospitalization, travel, dental, cancer, and other dread disease coverages. The company also offers customers individual private medical insurance, term and variable universal life insurance, and certain savings products. Medicare Supplement Plans The company offers individual Medicare Supplement plans that provide retirees with federally standardized Medigap-style plans. Retirees might select among various plans with specific plan options to meet their needs and might visit, without the need for a referral, any health care professional or facility that accepts Medicare throughout the United States. Markets and Distribution The company’s supplemental health, life and accident insurance
cigna corp (CI:New York)
900 Cottage Grove Road
Bloomfield, CT 06002
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