Cigna: Understanding Private Insurance Coverage And Options

Cigna is an American multinational healthcare and insurance company that provides a wide range of insurance plans and products focusing on physical and emotional well-being. It offers medical, dental, pharmacy, behavioural, and voluntary benefits, as well as supplemental insurance policies. Cigna's plans are available for individuals, families, and employers, with options to suit different needs and budgets. The company has a presence in multiple countries, including the United States, India, the United Kingdom, Belgium, and China. With its subsidiaries, Cigna is a major provider of various insurance services, including medical, dental, disability, life, and accident insurance.

Cigna's insurance subsidiaries

Cigna is an American multinational managed healthcare and insurance company based in Bloomfield, Connecticut. Its insurance subsidiaries are major providers of medical, dental, disability, life, and accident insurance, as well as related products and services. The majority of these insurance plans are offered through employers and other groups, such as governmental and non-governmental organizations, unions, and associations.

Cigna's subsidiaries offer a wide range of insurance plans and products that focus on all aspects of an individual's well-being, including physical and emotional health. The company's subsidiaries provide virtual care, preventive care, and supplemental insurance policies that offer additional coverage and cash benefits. For example, Cigna offers supplemental health insurance plans that provide coverage for cancer treatment, hospitalization, stroke, accidents, and life insurance.

Cigna's subsidiaries also offer dental coverage with plan options that bundle vision and hearing care. These plans are designed to fit a range of needs and are available at affordable prices.

In addition to individual plans, Cigna's subsidiaries provide group health insurance plans insured or administered by Cigna Health and Life Insurance Company (CHLIC), Connecticut General Life Insurance Company (CGLIC), or their affiliates. These plans are available in various states and cover accidental injury, critical illness, and hospital care.

Cigna's global presence extends to more than 200 markets and territories worldwide, with a network of 1.5 million health professionals offering customer service in over 50 languages. The company has international health insurance plans tailored to meet the needs of individuals, families, and employees working, living, retiring, or studying abroad.

Cigna's subsidiaries also include Evernorth Health Services, which encompasses Express Scripts, Accredo, and eviCore, offering comprehensive health care coverage to customers.

Cigna's Medicare plans

Cigna is an American multinational managed healthcare and insurance company that provides a wide range of insurance plans and products, including Medicare plans.

Medicare Advantage (Part C)

Medicare Advantage is insurance run by private companies that have a contract with Medicare to provide Part A and B services. Cigna offers Medicare Advantage plans that typically include extras not covered by original Medicare, such as hearing, vision, and prescription drugs. These plans can vary widely in what they cover and how they are run, and may include HMOs, PPOs, fee-for-service, and medical savings accounts.

Medicare Part D Prescription Drug Plans (PDP)

Medicare Part D covers prescription drug benefits. With original Medicare, individuals need to join a drug plan run by a private company and pay a monthly premium. With Cigna's Medicare Advantage, drug coverage may be included in the plan. If not, individuals can choose to join and pay for a separate drug plan.

Medicare Supplement Insurance

Medicare Supplement Insurance helps pay for out-of-pocket costs, including copays, deductibles, and coinsurance. Cigna offers Medicare Supplement Insurance plans that can be added to Original Medicare to provide additional coverage.

Reasons to Choose Cigna for Medicare Coverage

Cigna offers a range of coverage options, including Medicare Advantage, Part D, and Medicare Supplement Insurance plans, to meet different lifestyle needs. They provide guidance and support to help individuals understand how Medicare works and choose the right coverage option. Their plans also include no-cost perks, such as online access to coverage, claims, ID cards, and more through the myCigna website and mobile app. Cigna is a trusted company with over 189 million customers and a history spanning over 225 years.

How to Enroll in a Cigna Healthcare Medicare Plan

Annual Enrollment for 2025 Medicare plans through Cigna typically takes place from October 15 to December 7. Individuals can explore and compare Cigna's Medicare plans online and learn more about eligibility and enrollment through the Cigna website or by contacting Cigna directly.

Cigna's dental insurance

Cigna is an American multinational healthcare and insurance company that offers a wide range of insurance plans and products. These include medical, dental, disability, life, and accident insurance, as well as supplemental insurance policies. Cigna's dental insurance plans are designed to cover a range of dental needs, from preventive care to major dental procedures.

Cigna offers various dental insurance plans to cater to different needs and budgets. Here are some of their plans:

• Cigna Dental Preventive Plan: This plan offers lower-cost coverage with average monthly premiums starting at $20. It provides up to $1,500 in benefits, including $0 dental check-ups, cleanings, and routine x-rays. Orthodontic treatment is available on select plans.
• Cigna Dental 3000/100 Plan: This plan offers higher benefit coverage with average monthly premiums starting at $24. It provides up to $3,000 in dental benefits, $0 dental check-ups after the deductible, and includes cleanings and x-rays. This plan also covers dental implants on select options.
• Cigna Dental Vision 1000 Plan: This plan combines dental and vision coverage, with average monthly premiums starting at $32. It offers up to $2,500 in dental benefits, up to $300 in vision benefits, and up to $700 in hearing benefits.
• Cigna Dental Vision Hearing Plans (2000 and 3500): These plans offer comprehensive coverage for dental, vision, and hearing needs, with varying levels of benefits and premiums.

Features of Cigna's Dental Insurance:

• Network of Dentists: Cigna has a large nationwide network of dentists, and chances are your current dentist is already included. You can choose any licensed dentist, but you'll save more by using an in-network dentist.
• Affordable Coverage: Cigna's dental insurance plans are designed to be affordable, with some plans starting at around $1 per day.
• Flexibility: You can choose from lower deductible plans, higher benefit plans, or coverage that includes vision and hearing, all in one.
• Online Tools: Cigna provides online tools and a mobile app, myCigna, which offers 24/7 access to your coverage details, claims, ID cards, and more.
• Variety of Plans: Cigna offers a range of dental plans, from basic preventive care to full coverage for major dental procedures.

How to Get Cigna's Dental Insurance:

You can purchase Cigna's dental insurance plans directly from their website or through your employer if they offer Cigna coverage. Their plans are available to individuals, families, and employer groups, with the option to shop and compare plans online.

In summary, Cigna's dental insurance provides comprehensive coverage for a range of dental needs, from preventive care to major restorative treatments. With their large network of dentists, affordable plans, and online tools, Cigna aims to make dental care more accessible and affordable for individuals and families.

Cigna's supplemental insurance

Cigna is an American multinational healthcare and insurance company that offers a wide range of insurance plans and products. These include medical, dental, disability, life, and accident insurance, as well as supplemental insurance policies.

Cigna offers several types of supplemental insurance plans, including:

• Lump Sum Heart Attack and Stroke Insurance: This policy covers qualifying events such as heart attacks, strokes, or other heart-related surgeries, providing a cash benefit of up to $75,000 to help with medical or household expenses. It is available to individuals aged 18 to 99 and has a monthly premium of around $19.
• Lump Sum Cancer Insurance: This policy provides a cash benefit to help cover expenses after a cancer diagnosis, including medical and household costs. It is available to individuals aged 18 to 99, including dependents, and has a monthly premium of around $19.
• Cancer Treatment Insurance: This policy offers a cash benefit to help cover the costs of cancer treatment, care, and associated expenses. It is available to individuals aged 18 to 99 and has a monthly premium of around $18.
• Hospital Indemnity Insurance: This policy pays a fixed benefit following a covered hospitalization, providing cash to help with medical or household expenses. It is available to individuals aged 50 to 85 and has a monthly premium of around $10.
• Accident Treatment Insurance: This policy helps pay for the costs of covered accidental injuries and related treatments, with three flexible benefit levels to choose from. The cash benefit is paid directly to the policyholder and is available to individuals aged 18 to 74. The monthly premium is around $15.
• Whole Life Insurance: This policy provides a cash benefit to help pay for final expenses due to accidental death or illness, with guaranteed premiums that will not increase. It is available to individuals aged 50 to 85 and has a monthly premium of around $28.

Cigna's insurance for self-employed people

Cigna is an American multinational private healthcare and insurance company, providing a wide range of insurance plans and products.

Cigna offers health insurance for self-employed people, including those who own a business, work freelance, or are independent contractors. The company provides a range of options for self-employed individuals to choose from, including:

• Health Insurance Plan Through Your Spouse: Self-employed individuals can join their spouse's health insurance plan through their employer. The cost of being added to a spouse's plan will vary.
• Health Insurance Plans Through the Marketplace: The Health Insurance Marketplace allows individuals to compare plans and qualify for financial help from the government. These plans cover essential health services, including preventive health check-ups, screenings, immunizations, hospital stays, mental health services, rehabilitative services, and more.
• Health Insurance Plans Through an Insurance Company: Self-employed individuals can purchase their own individual and family health plans through private health insurance companies like Cigna Healthcare. These plans offer quality coverage and value, with options such as cancer treatment, hospital indemnity, and more.
• Health Insurance Plans Through Medicaid: Depending on income and household size, self-employed individuals may be eligible for free or low-cost coverage through Medicaid programs offered in their state.

Cigna's health insurance plans for self-employed individuals provide comprehensive coverage, including medical, dental, pharmacy, behavioural, and voluntary benefits. The company offers personalized support, low costs, and access to a range of providers and hospitals within its network. Cigna's digital tools, such as the myCigna® website and mobile app, also enable self-employed individuals to easily manage their health insurance and access information on the go.

Frequently asked questions