Together, we can achieve better healthcare benefits and lower costs for small to midsized businesses

Enjoy a very broad national provider network with deductibles as low as $500 up to $5,000. All of our medical plans contain reasonable out-of-pocket maximums for financial protection.

Because Aliat is a large company, we have had some say in the design of our medical plans. Our objective is to bring more valued benefits to your employees without overcharging for those benefits.

A team of benefits and wellness pros is assigned to your company for a high level of customer service. We also provide many Health Insurance Marketplace options for non-Cigna clients.

Cigna Dental offers your employees a wide range of in-network dentists and specialists. Plans include coverage for preventive dental care services, including cleanings, x-rays, and more, at no additional cost or at a reduced cost. Employees can choose a dentist from Cigna’s large network directory that is easily accessible and searchable online. With myCigna.com, employees see individualized information set to their specific dental plan and geographic location. Search filters give employees a list of in-network results, with facts to help them make a smart decision about which dentist to use.

• High annual maximums
• Orthodontia options
• Discounted rates through Cigna’s DPPO Advantage Network

Cigna Vision gives employees a variety of choices with one of the largest specialty networks of optometrists, ophthalmologists and nationally recognized eye care retailers. Your employees and covered family members will have access to quality vision care at a great cost. Plans may provide coverage for:

• Routine eye exams
• Glasses
• Contact lenses

Choosing a quality in-network eye doctor is easy with myCigna.com or through the customer service line. Employees will save the most money if they select an in-network doctor, however out-of-network options are still available and have potential for reimbursement.

Aliat provides $10,000 of Basic Term Life Insurance to all full-time, benefit eligible employees. In addition, employees have the option to purchase supplemental life insurance up to $100,000 on a guaranteed issue basis. The limit can be increased to 5x the annual salary or $500,000 (whichever is less) with medical underwriting.

• • Competitive group rates
  • Guaranteed issue – no health questions or medical exam required
  • Convenient payroll deductions

Term life insurance provides temporary financial protection for your loved ones during your working years. Help ensure that if something unforeseen should happen, short and long term financial obligations could be met.

• Replacing lost income
• Covering basic living expenses
• Paying household debts, estate taxes and funeral expenses
• Funding a child’s education
• Supplementing retirement savings