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Cigna Stop Loss

Public facts

Carrier-integrated stop-loss

Cigna Healthcare individual and aggregate stop-loss for self-funded medical, including incurred and paid contracts, firm quotes, and automatic reimbursement when integrated with Cigna administration.

Visit cigna.com

Overview

Cigna Healthcare stop-loss is offered by Cigna Health and Life Insurance Company. The public stop-loss page defines Individual Stop Loss (ISL) and Aggregate Stop Loss (ASL). Cigna Level Funding and Cigna Healthcare ASO Plus include ISL and ASL automatically for small to medium employers. Contract types: Incurred (infinite terminal-liability period; no ISL reset; no run-out/run-in or first-renewal maturation) and Paid (paid during the policy year if incurred after the original effective date). Options include run-in/run-out, tiered pooling and aggregating specific, Renewal Advantage (45% renewal-increase cap, no new lasers or pooling-point increases), and a multi-year dividend option. Firm quotes lock rate, terms, and conditions with no updated large-claim review and no signed disclosure forms.

Why it matters Cigna stop-loss is the integrated paper that matches Cigna ASO decisions—distinct from independent writers and from the Cigna ASO administration page.

Target buyer
Self-funded employers on or considering Cigna ASO / Level Funding / ASO Plus who want aligned medical and stop-loss paper.
Pricing model
Quoted stop-loss premium; included in Level Funding / ASO Plus packages
No public rates. Reimbursement notifications for medical payouts of $250k+. Availability varies by location.
Availability
National
Research
Last researched 2026-08-23
Public facts category

Key features

  • ISL and ASL
  • Incurred contract with infinite terminal liability protection
  • Paid contract
  • Run-in / run-out protection
  • Tiered pooling and aggregating specific
  • Renewal Advantage 45% cap (paid-contract maturation may apply at first renewal)
  • Dividend option for 1–3 years of good experience
  • Firm quote: rates and terms final; Cigna takes 100% of covered claims liability
  • Integrated reimbursement in 2–5 calendar days; large claims often same-day

Integrations

  • Cigna Healthcare self-funded medical administration
  • Cigna Level Funding and ASO Plus (stop-loss included)

Overview

Cigna Stop Loss protects self-funded medical cash flow against high-cost claims and expensive drugs/treatments. It is a Cigna Healthcare product of Cigna Health and Life Insurance Company (and affiliates; Utah is CHLIC-only).

Two coverages: ISL (per-person annual limit) and ASL (whole-population annual limit). On Level Funding and ASO Plus, both are included automatically for the small-to-medium segment described on the page.

Cigna also offers broker CE stop-loss training and employer education sessions via local sales.

This is not Cigna ASO administration (see cigna-aso) and not Level Funding (see cigna-level-funding).

Key Capabilities

  • Incurred vs paid contract mechanics as published.
  • Transition protections (run-in/run-out).
  • Risk-sharing (tiered pooling, aggregating specific) for a lower rate.
  • Renewal Advantage: 45% increase cap; no new lasers; no pooling-point increases (footnote: paid-contract maturation may apply at first renewal).
  • Dividend refund after one to three good years.
  • Firm quote: premium cannot increase for the policy period; no disclosure forms even with ongoing large claims.
  • When integrated with Cigna medical: identical medical-necessity/experimental decisions; automatic reimbursement; 2–5 day turnaround; claims over $150,000 often credited same day or before provider debit; notifications when reimbursement is scheduled for $250k+ medical payouts.

Integrations & Ecosystem

Designed to sit on Cigna-administered self-funded plans. Unbundled use with a non-Cigna TPA is not described on this page.

Pricing

Quote. Level Funding / ASO Plus embed stop-loss in the package price.

Notes & Limitations

  • Integration benefits assume Cigna medical + Cigna stop-loss.
  • Provisions vary by location.
  • 45% cap and firm-quote rules are marketing; the policy controls.

Sources

Tags: stop-loss · Cigna · ISL · ASL · integrated