An unexpected hospitalization due to a chronic condition can be stressful and costly. That’s why the new MSK benefit provides a cash payout directly to your employees 5 . They can use the money however they like — from medical costs to transportation, child care, groceries and even alternative treatments. Cigna Healthcare SM provides your employees with the support and resources they need, so they can regain control and remain in control. That’s good for them, and for your bottom line.
MSK conditions can cost your employees and your organization.
50% of American workers suffer from an MSK condition 2
Choose from two available options:
When it comes to disability, MSK conditions are the top contributor 3
OPTION 1: MSK Only • Alignment with our Pathwell Bone and Joint Program for a more comprehensive support solution
• Includes conditions such as: cervicalgia (neck pain), intervertebral disc disorders, gout, lumbago (back pain), osteoarthritis, rheumatoid arthritis, scoliosis, spinal stenosis, spondyloarthropathy (spinal arthritis), spondylopathy (vertebral spine disease) OPTION 2 : MSK Plus • Includes MSK, plus endocrine, vascular and respiratory conditions • Alignment with the Your Health First Program from Cigna Healthcare
$781 billion spent on MSKs annually, making them the costliest conditions in the U.S. 2
Nearly 2/3 of plan spending on MSK conditions due to pain from wear and tear 4
To learn more about the new MSK benefit, contact your Cigna Healthcare sales representative or broker today.
YOUR NEW GROWTH PLAN 1. Evernorth Health Services. “Vitality: The New Measure of Health.” 2022. 2. Kruel, Brent. Bio Functional Health Solutions, “The 3 Reasons Why Addressing MSK Conditions in Your Employees Should be your Number 1 Priority: Cost, Quality, and Access to MSK Care is Devastating the U.S. Workforce.” https://biofunctionalhealth.com/blog/the-3-reasons-why-msks-are-devastating-us-workforce/. July 2021. 3. Cleveland Clinic, “Cleveland Clinic Researchers Raise Awareness of Disparity and Call for Change.” https://consultqd.clevelandclinic.org/musculoskeletal-disease-causes-most-disability-
healthcare-spending-in-u-s-but-gets-less-than-2-of-nih-research-funds/. December 2022. 4. Evernorth Research Institute. “Americans in Motion.” Improving Outcomes Series. August 2022. 5. Benefits may be paid directly to anyone you designate, such as a hospital, upon assignment. EXCLUSIONS AND LIMITATIONS
THESE POLICIES PAY LIMITED BENEFITS ONLY. THEY ARE NOT COMPREHENSIVE HEALTH INSURANCE COVERAGE AND DO NOT COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE. Product availability may vary by location and plan type and is subject to change. All group insurance policies may contain exclusions, limitations, reduction in benefits, and terms under which the policy may be continued in force or discontinued. For costs and details of coverage, contact your Cigna Healthcare representative. Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of The Cigna Group. 976303 05/23 © 2023 Cigna Healthcare. Some content may be provided under license.
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