Haris Ashley
Cigna Healthcare offers a range of health insurance plans, including medical, dental, and Medicare coverage, to individuals, families, and employers. It also provides international health insurance to those living, working, or studying abroad. Cigna's mission is to empower its customers with the information and guidance they need to make informed choices about their health and improve their overall well-being. With a wide range of benefits, coverage options, and a global network of medical professionals, Cigna aims to provide peace of mind and comprehensive support to its members.
| Characteristics | Values |
|---|---|
| Coverage | Medical, dental, pharmacy, behavioral, supplemental health, vision, hearing, cancer, hospitalization, stroke, heart attack, accidents, life insurance |
| Area | Cigna has medical plans available in 12 US states: Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Missouri, North Carolina, South Carolina, Tennessee, and Texas. Dental plans are sold in all 50 states and the District of Columbia. |
| Customer Service | 24/7, 365 days a year, in multiple languages |
| Network | Over 10,000 hospitals, doctors, and specialists |
| International | Coverage in over 200 countries and territories, with 1.5 million health professionals |
| Plan Members | Access to a personal webpage with information regarding your plan, the Cigna Health Benefits app, and a network of health care providers |
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What You'll Learn
Cigna's international health insurance plans
Cigna offers international health insurance plans that can be tailored to meet your needs. These plans are ideal for individuals living, working, retiring, or studying abroad, as well as for employers seeking to provide coverage for their employees and families on international assignments.
Cigna's international coverage extends to over 200 markets and territories worldwide, with a network of approximately 1.5 million to 1.7 million health professionals. This includes hospitals and medical professionals who can provide support and care for a wide range of situations, from unexpected illnesses and injuries to routine medical care.
As a Cigna plan member, you gain access to a variety of tools and services. You can log in to your personal webpages or use the Cigna Health Benefits app to access information regarding your plan, consult their network of healthcare providers, submit claims, and download personalized forms. Cigna also offers a worldwide customer service network that operates 24/7 and provides support in over 50 languages, ensuring that you can always receive assistance no matter where you are.
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Dental, vision, and hearing coverage
Cigna offers a range of dental, vision, and hearing care services as part of its health insurance plans. The Cigna Dental Vision Hearing 3500 Insurance Plan provides coverage for basic and major restorative dental services, including fillings, crowns, bridges, root canals, and implants. This plan also offers a discount for each dependent added to your policy and allows you to see any dentist, with additional savings available through the Advantage Network.
For vision care, choosing an eye care professional from the Cigna Healthcare Vision network can maximize your allowance. Similarly, for hearing care, selecting a hearing care professional from the Hearing Care Solutions network can help your allowance go further. Cigna also provides access to the Brighter Score® feature on myCigna®, which allows you to compare dentists based on professional history, affordability, and patient experience, helping you make an informed decision.
Cigna's dental insurance plans are available to individuals, families, and employers, with the option to tailor the plan to your specific needs. These plans can help make dental care more affordable and accessible, with direct payment agreements and discounts negotiated with providers in their network. Cigna's nationwide plans are available in almost every state, and you can check if your dentist is part of the Total Network or Advantage Network.
Additionally, Cigna offers international health insurance plans that include dental, vision, and hearing care coverage for those living, working, or studying abroad. These plans provide a global support network of hospitals and medical professionals in over 200 markets and territories worldwide, ensuring that you have access to the care you need no matter where you are.
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Supplemental insurance policies
Cigna's supplemental insurance policies are designed to provide additional financial support for unexpected events, such as critical illnesses, accidents, and injuries. These policies are typically purchased to enhance existing primary health insurance plans and cover any gaps in medical and daily expenses that may arise during challenging times.
Supplemental insurance plans offer peace of mind by providing financial assistance when you need it most. For instance, if you experience a serious illness, such as cancer, or suffer a heart attack or stroke, supplemental insurance can help cover the costs of treatment as well as everyday expenses like utility bills, groceries, and childcare. This means you can focus on your recovery without the added stress of financial worries.
Accidental injury coverage is another key feature of Cigna's supplemental insurance. This type of policy provides cash benefits if you are injured in a covered accident, helping to pay for rehabilitation, transportation, childcare, and other out-of-pocket expenses that your primary health insurance may not fully cover. It's important to note that not all accidents are covered, and high-risk situations may be excluded, so reviewing the policy details is essential to understand the scope of protection.
When considering a supplemental insurance policy, it is crucial to evaluate your health history and your family's needs. Read the plan and policy details carefully to understand the specific benefits, limitations, and exclusions of the coverage. By doing so, you can ensure that you are adequately protected and have the financial support necessary to navigate unexpected health challenges.
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Individual and family health plans
Cigna Healthcare offers a range of health insurance plans for individuals and families, including medical, dental, and international health insurance, as well as Medicare coverage. These plans provide comprehensive services and coverage to meet your changing needs throughout your lifetime.
The individual and family health plans offered by Cigna can include a wide range of benefits, such as:
- $0 virtual care for eligible preventive care and dedicated virtual urgent care for minor acute medical conditions.
- $0 preventive care visits, $0-$3 for preferred prescription drugs on most plans, and access to the Patient Assurance Program.
- 24/7 access to licensed clinicians, board-certified doctors and pediatricians, licensed counsellors, and psychiatrists through virtual care.
- Discounts on everyday products and programs through the Cigna Healthy Rewards® Program.
- Lower out-of-pocket costs for diabetes care, with a maximum of $25 for a 30-day supply or $75 for a 90-day supply of insulin and select medications for type 2 diabetes.
- $0 on insulin and select diabetes medications, equipment, and supplies with the Enhanced Diabetes Care plans.
- Access to health coaches for personalized support in managing specific conditions.
It is important to note that the availability of these benefits may vary depending on your specific plan and location. To understand the full scope of your coverage, be sure to review your plan documents, which will outline the specific prescription drug coverage, preventive care services included, and any other benefits or exclusions.
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How to get a quote
Cigna offers a wide range of insurance plans and products that focus on all aspects of your well-being, including physical and emotional health. The company provides medical, dental, pharmacy, and behavioural health benefits, as well as voluntary benefits through your employer.
To get a quote for a Cigna insurance plan, you can follow these steps:
- Visit the Cigna website or contact a licensed agent or Cigna Healthcare sales representative to discuss your specific needs and requirements.
- If you are an individual or family seeking a health insurance plan, Cigna offers plans that can be purchased directly from them.
- For those looking for employer-provided insurance, Cigna offers plans that can be obtained through your company. You can check with your employer's HR department to see if they offer Cigna insurance and how to enrol.
- If you are seeking international coverage, Cigna Global Health Insurance offers comprehensive and flexible plans for individuals and families living abroad in over 200 countries. You can request a quote for the Cigna Global plan by calling their sales team directly.
- Once you have selected a plan or spoken to a representative, you can provide your personal information, such as age, location, and medical history, to receive a customised quote.
- After receiving your quote, you can compare it with other options to ensure you are getting the best value. You can request additional quotes from Cigna or explore other insurance providers to make an informed decision.
It is important to note that insurance policies and group benefit plans contain exclusions and limitations, so be sure to carefully review the terms and conditions before making a decision.
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Frequently asked questions
Cigna offers medical, dental, life, and international health insurance plans. They also offer Medicare coverage and supplemental insurance policies.
You can get a free insurance quote on the Cigna website or through HealthMarkets.
Cigna health insurance plans offer comprehensive services and coverage to meet your changing needs. They have a wide array of benefits, including access to a large network of providers, mental health and wellness programs, spending accounts, and pharmacy coverage.
You can log in to your personal webpages on the Cigna website or access their services through the Cigna Health Benefits app.
Yes, Cigna offers international health insurance plans that can be tailored to meet your needs. Their coverage extends to more than 200 markets and territories around the world, with a global support network of hospitals and medical professionals.
