Cigna Level-Funded Plan
Benefits 1500
A popular mid-entry level-funded plan with a $1,500 individual deductible — rich Cigna network coverage with predictable monthly costs for small businesses.
See If You QualifyPlan Overview
The Benefits 1500 is one of the most popular plans in the lineup, offering a $1,500 individual deductible with broad Cigna network access. It strikes an ideal balance between monthly contribution and out-of-pocket exposure, making it a strong fit for small businesses with mixed employee demographics. Level funding keeps costs predictable, and a low-claims year can earn your group a surplus refund.
$1,500
Individual Deductible
$3,000
Family Deductible
$5,500
Out-of-Pocket Max (Individual)
$11,000
Out-of-Pocket Max (Family)
$30
Primary Care Copay
$60
Specialist Copay
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
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 1500.