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About Cigna Holding Company

Cigna is a global health services company dedicated to improving the health, well-being, and peace of mind of customers. With more than 180 million customer and patient relationships in more than 30 countries and jurisdictions, Cigna primary ways help individuals maintain, improve or recover their physical or mental health through behavioral and lifestyle changes – with over 1,000 health coaches helping individuals set and meet health goals; pharmaceutical interventions , with the leading pharmacy services improving health and driving affordability; and medical and surgical interventions with a clear and proven strategy around partnerships and value-based care programs, powered by applied informatics and aligned incentives.


Cigna Corporation operates in four segments. The health services segment, integrated medical segment, international markets segment and group disability and others segment.

The health services are Cigna's legacy home delivery pharmacy business that includes pharmacy benefits management, specialty pharmacy services, clinical solutions, home delivery and health management services. Health services generates about 70% of company's revenue.

Integrated Medical offers a variety of health care solutions to employers and individuals. Through its two-operating segment, The Commercial operating segment that serves employers (also referred to as "clients") and their employees (also referred to as "customers") and other groups. This segment provides deeply integrated medical and specialty offerings including medical, pharmacy, behavioral health, dental, vision, health advocacy programs and other products and services to insured and self-insured clients. The Government operating segment that offers Medicare Advantage, Medicare Supplement, and Medicare Part D plans (including the acquired Express Scripts' Medicare Part D business) for seniors, Integrated medical segment accounts with more than 20 % of company's revenue.

International Markets includes supplemental health, life and accident insurance products and health care coverage in international markets as well as health care benefits to globally mobile employees of multinational organizations. The segment accounts for about 5% of company's revenue.

Group Disability and Other contains the remainder of our business operations, consisting of the group disability and life, COLI, individual life insurance, settlement annuity, run-off business, and reinsurance. This segment accounts for about 5% of company's revenue.

Geographic Reach

The domestic properties operates in nearly 45 states, including the District of Columbia, Puerto Rico and the U.S. Virgin Islands while international properties located throughout the following countries like Australia, Bahrain, Belgium, Canada, China, France, Germany, Hong Kong, India, Indonesia, Kenya, Kuwait, Lebanon, Malaysia, New Zealand, Oman, Singapore, South Korea, Spain, Switzerland, Taiwan, Thailand, Turkey, United Arab Emirates, and the United Kingdom.

The corporate headquarters is located in Bloomfield, Connecticut.

Sales and Marketing

In most states, insurance companies and HMO subsidiaries are required to certify compliance with applicable advertising regulations on an annual basis. Cigna insurance companies and HMO subsidiaries are also required by most states to file and secure regulatory approval of products prior to the marketing, advertising, and sale of such products through its primary distribution channels that includes, group of insurance brokers and consultants across US, direct distribution of the products and services to employers, unions and other groups or individuals in US, and lastly to private and public exchange.

Financial Performance

The company's revenue in 2019 increased by $104.9 billion to $153.6 billion, compared to $48.7 billion in the prior year. Revenue growth primarily reflected the addition of Express Scripts and, to a lesser extent, business growth in the Integrated Medical segment.

Net income in 2019 increased by $2.5 billion to $5.1 billion, compared to $2.6 billion in the prior year. The increase was due to the higher revenue in that year.

Cash held by the company at the end of 2019 increased by about $1.6 billion to $5.4 billion, compared to $3.9 billion in the prior year. Cash provided by operations was $9.5 billion while cash used for investing and financing activities were $734 million and $7.2 billion, respectively.


The company's goal is to Go Deeper: To expand and deepen its customer, client and partner relationships and create depth in targeted sub-segments and geographies; Go Local: To ensure its solution suite and services meet customer, client and partner needs at a local market level; and Go Beyond: To innovate and further differentiate its businesses, the experiences the company deliver and their overall social impact.

CIGNA's capital management strategy to support the liquidity and regulatory capital requirements of its foreign operations and certain international growth initiatives is to retain overseas a significant portion of the earnings generated by the company's foreign operations. This strategy does not materially limit their ability to meet Cigna's liquidity and capital needs in the United States.

Company Background

Cigna was formed through the merger of INA and Connecticut General in 1982. The Insurance Company of North America (INA) was founded in 1792 by Philadelphia businessmen. INA was the US' first stock insurance company and its first marine insurer. It expanded into accident and health insurance in the 1940s and acquired top health plan provider HMO International in 1978.  Connecticut General began selling life insurance in 1865 and health insurance in 1912.

Following the merger that formed Cigna, the company sold off assets to focus on group health insurance in the 1980s and 1990s.

Cigna Holding Company

900 Cottage Grove Rd
Bloomfield, CT 06002-2920
Phone: 1 (860) 226-6000

Firm Stats

Employer Type: Privately Owned
Managing Director: Paul Champagne
Managing Director And Chief Economist: Robert Delucia
CEO: Rich Murray
Employees (This Location): 296
Employees (All Locations): 74,000

Major Office Locations

Bloomfield, CT

Other Locations

Peoria, AZ
Phoenix, AZ
Tempe, AZ
Bloomfield, CT
Mc Lean, CT
Washington, CT
Wilmington, DE
Jacksonville, FL
Sunrise, FL
Alpharetta, GA
Lyerly, GA
Chicago, IL
Bossier City, LA
Baltimore, MD
Saint Louis, MO
Independence, OH
Morral, OH
Bethlehem, PA
Philadelphia, PA
Pittsburgh, PA
Inman, SC
Lennox, SD
Chattanooga, TN
Nashville, TN
Denison, TX
Franklin, TX
Harlingen, TX
Houston, TX
Mcallen, TX
Plano, TX
Burlington, VT
Beijing, China
Toronto, Canada