CIGNA PPO Offered by TRIAD
Entities with an EIN can provide a health insurance benefits package. Options are available for Sole proprietors and companies of 1 to large businesses. All plans offered through the ASID Member Health Program are ACA-qualified polices with options to use national PPO networks, co-pays, deductibles, and out-of-pocket maximums.
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Start your quote by completing the form below.
When you click "Let's Go!", you will receive an email with two instructions. First, as the plan administrator to add your employees names (if nesessary) and email address; Second to complete your own personal health questionnaire (PHQ) for enrollment.
If you have employees added, once you complete the plan administrator form, your employees will receive an email to complete their PHQ.
Once the applications are complete, underwriting will take about a week.
What are the Details?
TRIAD PROGRAM - Using the CIGNA PPO Network
Coverage without Compromise
Enjoy nationwide Cigna PPO access, predictable costs, and straightforward benefits—no networks to guess, no surprises to budget for. The TRIAD Program with the CIGNA PPO Network Plan keeps your health coverage simple, stable, and strong.
Who is Eligible?
ASID members with a registered:
- Limited Liability Company (LLC)
- C or S-Corporation, or are a
- Sole Proprietor with a Employer ID Number (EIN) from the IRS
are eligible to enroll in the TRIAD Major Medical Plan with the CIGNA PPO.
- If you are a Sole Proprietor without EIN, please click here to learn more from the IRS on how to obtain one (it's free and takes about 15 minutes).
- There are many good reasons to have an EIN as a sole Proprietor such as setting up a business bank account, issuing or receiving 1099-NEC/1099-MISC forms under a business name, etc. Please consult with your tax advisor.
- Sole Proprietors without a EIN are eligible for the Individuals program.
How it works
Enrollment is available year-round. When you enroll your firm, your insurance coverage will be effective on the first of the month of your choosing; typically it will be the first month following 30 days to allow for education and enrollment to your employees.
While these plans cover pre-existing conditions, they are underwritten. During the application process, employers with fewer then 25 enrolled employees will have each employee complete a health questionnaire. Employers with 25 or greater will only need to provide a census with detailed employee information.
- PLEASE NOTE: The rates shown in the summary may be adjusted lower after underwriting.
Plans through TRIAD provide you with tools to navigate the healthcare system including:
- Full PPO Network provided by CIGNA. Including Hospitals. Search Cigna's PPO (Instructions)
- Option to select a Physician Only PPO Network with direct contracts to facilities for premium savings of about 12%. Schedule time with Arcwood to learn more.
- The Plans Pharmacy Benefits Manager is skilled at reducing specialty medications to $0 for the member.
- No cost Virtual Urgent Care through Revive - The Virtual Care Clinic.
- Destination Rx includes hundreds of maintenance medications at $0.
- TRIAD Member App to keep track of you and your families health.
- Mental Health coverage through Frontier Direct.
- Health Savings Account to help save money on income taxes and minimize healthcare spending.
Review the Plan Summary and Rates
Schedule A Call Today
PLEASE NOTE: Small business employers who would like to review the Clearwater Program for Individuals with $0 out-of-pocket expenses for your members, please schedule a call with Arcwood.
Did you know? My Conversations with Nina
Introduction to TRIAD
Do I need to answer Health Questions?
How is this plan different than the policy for individuals by Trident?
When do my benefits Start?
How do I search the CIGNA Network?
Program Partner
Design Business by ASID program partners; Arcwood Benefits Consulting, Inc. as an insurance consultant and Arcwood Financial as a 401(k) advisor and consultant, dba Arcwood®, will assist ASID members in reviewing program options and comparing them with other insurance plans and retirement plan vendors. Arcwood is also available to conduct pricing and plan design analyses for ASID members with existing plans and larger businesses.
