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 live off-Cape part of the year, or whose family members are scattered across states.
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 Cape Cod construction company's renewal comparison
A Cape Cod-based construction company with 12 enrolled employees faced a Massachusetts HMO renewal of $166,385.64 — a 4.65% increase from their prior-year premium of $158,995.32. An alternative CIGNA PPO structure came in at $94,343.52 in total premium: a 40.66% reduction versus the prior year's current rates ($64,651.80 saved against $158,995.32).
With the savings, the employer was able to increase its contribution from 50% to 75% of premium — and still spend less overall than the prior year. For a construction employer competing for skilled trades on Cape Cod, that shift in what the company covers is a real, tangible thing to point to when recruiting or trying to keep a good crew.
Results vary; individual outcomes depend on group size, claims history, and underwriting. This example is anonymized and presented with verified math against the prior year's current rates, not against a rounder marketing figure.
Curious if Triad fits your group?
A local advisor can review your size, network needs, and renewal timeline.