Cigna adds musculoskeletal benefits to supplemental health

Musculoskeletal related issues do more than impact health – they’re also a top driver of health care use and cost. In fact, individuals with chronic conditions, such as MSK related issues, tend to have lower vitality compared to those without chronic conditions — and the trend becomes more significant as the number of conditions increases.

Musculoskeletal (MSK) conditions impact 1 in 2 adults and account for an annual spend of $781 billion, making it the costliest condition in the U.S.  

Cigna Healthcare continues to innovate and evolve their supplemental health product offerings with the launch of the new MSK Benefit. The MSK Benefit is offered as an optional add-on to the critical illness insurance plans. This benefit is designed to support employees during an unexpected hospitalization due to an MSK condition. And with the “Plus” option, there’s also coverage for endocrine, vascular, and respiratory conditions.

An unexpected hospitalization can be costly, disruptive, and stressful – which can leave employees and their families feeling a loss of control. That’s why the MSK/MSK Plus benefit provides a cash payout directly to the insured. The money can be used however they like and can help pay for things like medical costs, transportation, childcare, groceries, and alternative treatments not covered by traditional medical insurance. There are no copays, networks, or deductibles to deal with.

Lisa Bombacino Morales, Director of National Accounts for Cigna Healthcare’s Supplemental Health Solutions adds, “The MSK/MSK Plus Benefit is an excellent voluntary solutions option for employers to provide a well-rounded package for employees and their families. These important benefits deliver the resources they need to remain in control and focus on their recovery, so they can return to healthy life and work with confidence.” For more information on Cigna Healthcare’s Supplemental Health Solutions, including the new MSK/MSK Plus Benefit, please contact:

LISA BOMBACINO MORALES

Director National Accounts New Business, Supplemental Health Solutions

Cigna Healthcare

Lisa.Bombacinomorales@CignaHealthcare.com

[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. Benefits may be paid directly to anyone the employee designates, such as a hospital, upon assignment.