Cigna Level-Funded Plan
Plan Options Available
A comprehensive health plan with multiple individual deductible options including HSA Eligible Plans — ideal for small businesses seeking predictable costs with rich coverage.
See If You QualifyPlan Overview
The Benefits 1000 is a level-funded health plan administered through Cigna, designed to give small businesses the cost stability of self-funding with the simplicity of a fully-insured product. Your monthly contribution is fixed — and if your group stays healthy, you may receive a surplus refund at year end.
$1,000 Cigna Plan
$2,000
$4,500
$9,000
$25
$50
What's Covered
Preventive Care
100% covered in-network — annual physicals, screenings, and immunizations at no cost to employees.
Primary & Specialist Care
Low flat copays for office visits. Full access to Cigna's extensive national provider network.
Emergency & Urgent Care
Emergency room and urgent care visits covered after a flat copay, no referral required.
Prescription Drugs
Tiered formulary covering generic, preferred brand, and specialty medications.
Mental Health & Substance Use
Full parity coverage for behavioral health services, including telehealth therapy options.
Maternity & Newborn Care
Prenatal visits, labor and delivery, and newborn care fully covered under the plan.
How Level Funding Works
With a level-funded plan, your business pays a fixed monthly amount — no surprise invoices. That payment covers expected claims, stop-loss insurance, and administration.
01
You pay one predictable amount each month — no fluctuating premiums based on claims.
02
Cigna's stop-loss coverage protects your business from catastrophic individual or aggregate claims.
Compare Other Plans
Ready to offer this plan to your team?
Get in touch and we'll walk you through eligibility, pricing, and enrollment for the Benefits 1000.