Clearity by Cigna Healthcare, a new tiered copay model, eliminates deductibles and coinsurance and is meant to provide members with greater transparency, predictability, and simplicity.
Cigna Healthcare on Tuesday announced the new employer-offered health plan, which will use AI-powered digital tools to provide plan members with upfront pricing, verified patient reviews, and a user-friendly digital experience. The new plan aims to simplify the health care experience across a wide range of services, from office visits and labs to imaging, physical therapy, and surgical procedures.
Cigna said that employers will have a choice of five plan design packages to support various cost-share strategies without narrowing networks or access to care. Each package includes up to four in-network tiers and one out-of-network tier. All plan designs will be supported by capabilities, such as patient reviews and provider insights, to allow users to obtain information that makes choosing care simpler and more transparent.
The new health plan was designed to help consumers who often feel overwhelmed by benefits information, struggle to determine costs prior to receiving care. and may delay getting necessary treatment due to financial uncertainty, Cigna explained in the announcement. It was developed in response to customer expectations and market demand for more predictable, transparent health care costs, and improved access to care. Cigna said the plan will help improve the customer experience during common interactions, such as checking benefits coverage, estimating costs, and finding care.
"We designed the Clearity plan to support a wide range of people who are looking for a simpler health insurance experience,” said Erin Lenox, president of national accounts for Cigna Healthcare’s U.S. Employer business, in the announcement. ”From tech-savvy employees and healthy individuals who prefer pay-as-you-go options to those who may skip care due to high deductibles and financial barriers, Clearity by Cigna Healthcare offers a better path to care."