Triad
A small-group program built on the CIGNA national PPO network, structured like a fully insured plan from the employer's side.
How It Works
Fully insured feel, national PPO access
CIGNA National PPO Network
Gives members any-doctor, any-state in-network access — useful for employers whose staff commute across state lines or whose family members are scattered across the Northeast.
Fixed Monthly Premium
Structured like a fully insured plan from the employer's side — a predictable, fixed monthly premium, not a claims-exposed structure.
Bundled Claims-Steerage Program
Included at no additional member cost: imaging/radiology cost redirection, specialty pharmacy and lab redirection, behavioral health support, and ongoing claims monitoring.
One Option Among Several
Suitability and availability are determined at quote time by underwriting, based on your group's size and profile.
This is not an Association Health Plan, pooled-risk program, or insurance product. Triad is one funding option among several — suitability and availability are determined at quote time by underwriting.
A Real, Anonymized Example
A Rhode Island financial institution's renewal comparison
A Rhode Island-based financial institution with 24 enrolled employees was facing a BCBS of RI renewal of $595,823.16 — a 13.02% increase over its current-year premium of $527,182.56, on a single $2,500-deductible plan with no long-term savings vehicle. An alternative Apex CIGNA PPO structure (also a $2,500 deductible) came in at $362,298.36 in total annual premium: a verified $233,524.80 reduction versus the BCBS renewal — a 39.2% decrease.
With the savings, the employer increased both its own and employee contributions in dollar terms while still spending less overall than the renewal quote, added a second, HSA-compatible plan option for affordability, and reinvested part of the savings into a benefits portal and a full compliance/handbook review.
Results vary by group; individual outcomes depend on group size, claims history, and underwriting. This example is anonymized and presented with verified math against the carrier's own renewal premium table, not a rounder marketing figure.
Curious if Triad fits your group?
A local advisor can review your size, network needs, and renewal timeline.