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A new offering for small businesses

We’ve partnered to deliver small business health insurance that brings together Cigna's most popular provider networks and Oscar’s tech-driven approach to customer service and care navigation.
Flexible plans that save you money

FOR YOUR SMALL GROUP CLIENTS

Affordable care that works for everyone

QUALITY NATIONWIDE NETWORKS

Access to Cigna's networks of doctors and specialists, no referrals

24/7 VIRTUAL CARE

Hundreds of doctors on call, available anytime for $0 copay1

PERSONALIZED CARE TEAM

Dedicated support to help employees find the right doctors and care

PRESCRIPTIONS DONE RIGHT

Clients save on prescriptions and refill them right from their phones 

FAQs

    • Cigna + Oscar brings together the power of Cigna's national provider networks and Oscar’s innovative digital member experience to deliver small group health insurance that understands the unique needs of small businesses and their employees.Cigna + Oscar plans include the best of both the Cigna and Oscar experience, including:
      • Health plans that save money: The Cigna LocalPlus® network provides a locally designed network of providers that offer cost-effective medical care without sacrificing the quality employees expect. The Cigna Open Access Plus network is the most popular national network with 1,000,000+ doctors, specialists and other professionals, and 17,000+ hospital and clinical facilities.*
      • 24/7 virtual urgent care: Access to board-certified doctors anytime for $0 copay via the Cigna + Oscar app.**
      • Prescriptions made easy: Your clients will save on prescriptions with Express Scripts and can refill them right from the Cigna + Oscar app.
      • Personalized Care Team: Care guides that know your clients by name, and are there to help them manage their care and costs by phone or messaging in the app. Each team includes a nurse, as well as dedicated support, to help employees find the right doctors and care in their area, plus the tools to search for care.
      • Healthy mind and body: Step tracking rewards up to $100 per year and access to Cigna’s behavioral health network.
      * Cigna’s internal Central Provider File (CPF) as of June, 2022. Subject to change.** Feature and network availability may vary by location and plan type and is subject to change.
    • Cigna + Oscar is a new joint venture providing fully-insured small group health insurance. This partnership is a 50/50 risk sharing arrangement between the two companies:
      • Cigna will provide two robust provider networks: LocalPlus® and Open Access Plus. These plans are insured and underwritten by Cigna Health & Life Insurance Co., providing the benefit of Cigna’s excellent financial security.
      • Oscar is responsible for administering benefits. Oscar will provide the differentiated and technology-forward member experience, including managing claims and dedicated member support. In addition, Oscar will manage all sales and distribution, including broker enrollment, commissions, and broker support.
      Through this true joint venture, your clients will benefit from direct integration with two of Cigna's two most popular provider networks: Local Plus® and Open Access Plus. All plans also include access to Cigna's behavioral health network for mental health resources. A broad pharmacy network is provided by Express Scripts.
    • Cigna + Oscar plans are available in Kansas City, Chicago, St. Louis, the Philadelphia metro, select California counties, select Arizona counties, and throughout the state in Georgia, Tennessee, and Connecticut.

    • Getting appointed to sell Cigna + Oscar plans is easy. Here’s what you need:
      1. Oscar Broker Portal account - The Oscar Broker Portal (business.hioscar.com) is where you’ll get appointed to sell Cigna + Oscar products.
      2. Proof of E&O coverage - You’ll upload this to your Oscar Broker Portal account as part of the appointment process.
      3. Producer agreement - You will review and e-sign this agreement in your Oscar Broker Portal account as part of the appointment process.
      4. Cigna appointment - You must hold an appointment with Cigna in any state you plan to sell Cigna + Oscar products in.
      To get started, create an account or log in at business.hioscar.comIf you’re having trouble, check out our Cigna + Oscar Appointments Guide for full instructions and helpful screenshots. If you still need assistance, our Broker Support team is here to help at brokers@hioscar.com or 1-855-672-2713.
    • You can generate quotes for Cigna + Oscar plans in your Broker Portal. Please note: In order to use our quoting tool, you’ll need to have an appointment with Cigna + Oscar. See above for instructions on how to get appointed. If you’re having trouble, check out our Cigna + Oscar Quoting Guide for full instructions and helpful screenshots. If you still need assistance, our Broker Support team is here to help at brokers@hioscar.com or 1-855-672-2713.
Cigna + Oscar coverage is insured by Cigna Health and Life Insurance Company. CA: benefits administered by Oscar Health Administrators. Other states: benefits administered by Oscar Management Corporation. Pharmacy benefits provided by Express Scripts, Inc. Cigna + Oscar health insurance contains exclusions and limitations. For complete details on product availability and coverage, please refer to your plan documents or contact a representative.
Footnotes
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Feature and network availability may vary by location and plan type and is subject to change.