For the upcoming Individual open enrollment, Indiana has a new carrier with a familiar name, Cigna.
Cigna’s Individual Health Plan
Cigna has a history in the state of Indiana of providing members with a high level of customer service. It really starts with Cigna having a customer service number that you can call on a Saturday. This is where you can speak to a live person that is viewing your account that can advise you in real-time. This is old-school customer service!
Cigna will enter the Indiana market with the lowest cost, but they will only offer coverage in eight counties. Boone, Hamilton, Hancock, Hendricks, Henry, Johnson, Marion, and Shelby. They will offer Bronze, Silver, and Gold level plans.
Most plans have zero cost for virtual care visits. That’s a nice benefit as they have success with implementing video medicine through their group plan offerings. Cigna has always offered a rich drug formulary where they would provide higher coverage for certain drugs that other carriers may exclude or cost members a higher cost share.
The plans have Enhanced Diabetes & Asthma COPD coverage. Indiana has not seen an Individual Health Plan pinpoint certain conditions through disease management while lowering the cost to the member for treatment.
Diabetes
- $0 cost for diabetes-related equipment.
- $0 cost for preferred insulin and other diabetes medications.
- $0 cost for diabetic supplies.
Asthma/COPD
Pay no more than a $10 copay for generic prescriptions:
- Albuterol Sulfate HFA Inhaler
- Albuterol Sulfate Inhalant Solution
Albuterol Sulfate Syrup- Albuterol Sulfate Tablets
- Fluticasone-Salmeterol Inhaler
- Ipratropium Inhalant Solution
- Ipratropium-Albuterol Sulfate Inhalation Solution
- Levalbuterol HFA Inhaler
- Levalbuterol Inhalant Solution
- Levalbuterol Inhalant Solution Concentrate
- Terbutaline Sulfate Tablets
- Wixela Inhub
Pay no more than a $20 copay for preferred prescriptions:
- Anoro Ellipta
- Arnuity Ellipta
- Breo Ellipta
- Flovent Diskus
- Flovent HFA
- Incruse Ellipta
- Serevent Diskus
This is a different approach to the Individual Health Plan markets. Indiana has not seen an Individual carrier offer a plan that targets specific health conditions. Not only is it targeting the conditions, but the plan design allows for the less out-of-pocket expense to treat the conditions. With Cigna’s case management & disease management on the group health side, they have the experience and resources to treat these conditions and potentially have better patient outcomes.
If you suffer from Diabetes or COPD you would want to look at making the switch to Cigna this open enrollment. Network access looks like central Indiana is with Community. A member may have to make some changes in where they receive care but limiting the out-of-pocket for the above conditions may be worth it.
Contact us for more information.
