Cigna Level-Funded Plan
Benefits 2500
A cost-efficient level-funded plan with a $2,500 individual deductible — lower monthly contributions with solid Cigna coverage for budget-conscious small businesses.
See If You QualifyPlan Overview
Benefits 2500 is designed for small businesses looking to reduce monthly contributions while maintaining meaningful coverage. The $2,500 individual deductible keeps monthly costs lean without sacrificing access to Cigna's national network. Preventive care is always free, and level funding ensures your business never faces an unexpected premium spike mid-year.
$2,500
Individual Deductible
$5,000
Family Deductible
$7,000
Out-of-Pocket Max (Individual)
$14,000
Out-of-Pocket Max (Family)
$40
Primary Care Copay
$80
Specialist Copay
What's Covered
Preventive Care
100% covered in-network — annual physicals, screenings, and immunizations at no cost to employees.
Primary & Specialist Care
Flat copays for office visits after deductible. Full access to Cigna's 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 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.
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Ready to offer this plan to your team?
Get in touch and we'll walk you through eligibility, pricing, and enrollment for the Benefits 2500.