Cigna Level-Funded Plan
Benefits 7350
A maximum out-of-pocket level-funded plan with a $7,350 individual deductible — the lowest monthly contribution in the lineup for lean, healthy groups.
See If You QualifyPlan Overview
The Benefits 7350 is built for small businesses that want to offer group health coverage at the absolute lowest monthly cost. The $7,350 individual deductible aligns with the IRS out-of-pocket maximum for HDHPs, making this plan ideal for groups with minimal expected claims. Preventive care is always covered at 100%, and Cigna's stop-loss protection ensures no single claim can destabilize your business finances.
$7,350
Individual Deductible
$14,700
Family Deductible
$7,350
Out-of-Pocket Max (Individual)
$14,700
Out-of-Pocket Max (Family)
$0 Copay
Preventive Care
After Deductible
All Other Services
What's Covered
Preventive Care
100% covered in-network — annual physicals, screenings, and immunizations at no cost, regardless of deductible status.
Hospitalization
Inpatient hospital stays, surgeries, and intensive care covered after the deductible — protecting employees from catastrophic bills.
Emergency & Urgent Care
Emergency room and urgent care visits covered after the deductible. No referral required for emergency services.
Prescription Drugs
Generic and essential medications covered after deductible. Preventive medications may be covered before deductible.
Mental Health & Substance Use
Behavioral health services covered at parity with medical benefits after the deductible.
Stop-Loss Protection
Individual and aggregate stop-loss insurance ensures your business is never exposed to unlimited liability from high-cost claims.
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
Fixed Monthly Payment
You pay one predictable amount each month — no fluctuating premiums based on claims.
02
Stop-Loss Protection
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 7350.