Cigna has introduced Clearity, a new copay-only health plan designed to eliminate deductibles and coinsurance while giving members upfront prices and simpler navigation. The plan uses Cigna’s new AI tools to help users check coverage, estimate costs, and find care with verified reviews and transparent copay information.
Clearity offers five plan designs with tiered in-network copays and one out-of-network tier, all built on the Open Access Plus network to avoid narrowing access. Cigna says the model is meant to address consumer frustration with unpredictable bills and complex benefits, offering employers a more predictable option for workers who skip care due to high deductibles.
The plan pairs Cigna’s AI-powered virtual assistant, already in use for claims, benefits questions, and provider search, with natural-language “find care” tools that surface total out-of-pocket costs before the visit. Cigna positions Clearity as a simpler, more transparent alternative for consumers who want upfront pricing and fewer barriers to care.
“By combining our latest AI technology with simplified, transparent costs, we are helping employers offer innovative solutions that meet the diverse needs of their workforce. Clearity by Cigna Healthcare is more than a health plan – it’s a simpler, more predictable way for customers to get the health care they need.” – Eva Borden, chief product officer of Cigna Healthcare’s U.S. Employer business.
“We designed the Clearity plan to support a wide range of people who are looking for a simpler health insurance experience. From tech-savvy employees and healthy individuals who prefer pay-as-you-go options to those who may skip care due to high deductibles and financial barriers, Clearity by Cigna Healthcare offers a better path to care.” – Erin Lenox, president of national accounts for Cigna Healthcare’s U.S. Employer business.
https://coverager.com/cigna-launches-new-ai-powered-medical-plan/