Cigna Freedom Life: Quality Health Insurance?

Cigna Health Insurance offers a range of health insurance plans for individuals and families, including Medicare Supplement Insurance Plans, which help pay for out-of-pocket costs that Original Medicare doesn't cover. Cigna's Medicare Supplement Insurance Plans offer extensive coverage with competitive premiums and guaranteed renewability for life. On the other hand, Freedom Life Insurance Company of America is a separate company that also offers health insurance. While some customers have praised Freedom Life Insurance for its affordability, other reviews describe it as the worst insurance company ever, citing issues with the company not paying for their claims.

Cigna's Medicare Supplement Insurance Plans

Cigna offers a range of Medicare Supplement Insurance Plans to cater to different needs and preferences. Here is a detailed overview of Cigna's Medicare Supplement Insurance Plans:

Medicare Supplement (Medigap) Insurance Plans

Medigap plans help cover some out-of-pocket costs that Original Medicare doesn't, including deductibles, copays, and coinsurance. Cigna offers various Medigap plans with different coverage levels and premiums.

Plan Options:

• High Deductible Plan G: This plan offers the same extensive coverage as Plan G but with lower monthly premiums. Coverage begins after you pay the calendar year deductible.
• Plan G: This plan provides extensive coverage and is ideal for those seeking lower premiums. It covers the Part B (Medical) calendar year deductible.
• Plan N: Plan N features lower monthly premiums and predictable out-of-pocket costs. It includes copays of up to $20 for doctor's visits and up to $50 for ER visits.
• Plan A: Plan A offers additional coverage beyond Original Medicare, including Part A (Hospital) and Part B (Medical) deductibles.
• Plan F: Plan F provides extensive coverage and the lowest out-of-pocket costs of all plans. It is suitable for those expecting higher healthcare expenses.
• High Deductible Plan F: This plan has the same coverage as Plan F but with lower monthly premiums. You pay the calendar year deductible.

Additional Benefits:

Cigna's Medigap plans offer several additional benefits:

• Choice of Doctors and Hospitals: You can choose any doctor or hospital that accepts Medicare, and referrals are usually not required.
• Nationwide Coverage: You are covered anywhere in the U.S., and some plans even offer coverage for medical emergencies abroad.
• Renewability: Your Medigap policy is guaranteed renewable for life, providing security and peace of mind.
• Discounts: Cigna offers discounts of up to 25% on premiums, including a 20% premium discount and an additional 5% online application discount in certain states.

Eligibility and Enrollment:

To be eligible for a Medicare Supplement insurance policy, you must be 65 or older and enrolled in Medicare Part B. You can apply at any time, but your open enrollment period begins when you turn 65 and enroll in Part B. During this 6-month period, you cannot be denied coverage, even for pre-existing health conditions.

In some states, if you are under 65 and eligible for Medicare due to a disability, you may also qualify for a Medigap plan.

Cigna's virtual care options

Virtual Preventive Care, Routine Care, and Specialist Referrals

You can talk directly to board-certified providers 24/7 by video or phone for help with minor, non-life-threatening medical conditions. Preventative care checkups and wellness screenings are available at no additional cost to identify conditions early. Routine care visits allow you to build a relationship with the same primary care provider to help manage conditions. Prescriptions are available through home delivery or at local pharmacies, if appropriate. You can also receive orders for biometrics, blood work, and screenings at local facilities.

On-Demand Virtual Care for Minor Medical Conditions

This service is on-demand 24/7/365, including holidays, and covers hundreds of minor medical conditions. It is a convenient and affordable alternative to urgent care centres and the emergency room. Prescriptions are available if appropriate.

Behavioral/Mental Health Virtual Care

Talk therapy and psychiatry are available from the privacy of your home. You can talk privately with a licensed therapist or psychiatrist by appointment using your phone, tablet, or computer. You have the option to select the same provider for every session, and prescriptions can be sent directly to your local pharmacy if appropriate. Types of conditions treated include postpartum depression and relationship/marriage issues.

Virtual Wellness Screenings

You can schedule an appointment online with MDLIVE and visit a lab for your blood work and biometrics. You can then speak with a provider online and discuss your lab work, biometric screenings, medical history, emotional and psychological well-being, risk factors and treatment options, and any next steps for care. You’ll receive a summary of your screening results for your records.

Virtual Dental Care

You can talk to a licensed dentist via a video call 24/7/365. Get non-narcotic prescriptions sent directly to your local pharmacy, if appropriate. Types of conditions treated include urgent dental issues, broken or chipped teeth, inflammation, sores or infection of the gums, and oral tissues. Guidance is also available on whether to seek immediate emergency care. Due to state laws governing teledentistry, this service is not available to residents of Texas.

Dermatology Virtual Care

You can talk to board-certified dermatologists without an appointment for customised care for skin, hair, and nail conditions. Types of conditions treated include acne, eczema, psoriasis, rosacea, suspicious spots, and more. You can review your symptoms and upload photos to your MDLIVE account. A diagnosis and customised treatment plan will be provided, usually within 24 hours. Prescriptions will be sent directly to your preferred pharmacy, if appropriate.

Cigna's supplemental insurance policies

Cigna offers a range of supplemental insurance policies to cater to different needs. Here is an overview of the types of supplemental insurance available:

Supplemental Health Insurance Plans

These plans provide financial protection for expenses not covered by primary health insurance. They offer personalized support during recovery from a serious illness or injury, which can impact not just physical health but also mental, social, and financial well-being. Cigna's supplemental health plans include:

• Accidental Injury Insurance: This policy pays for treatments or injuries resulting from a covered accident, including rehabilitation, transportation, childcare, and other out-of-pocket expenses.
• Critical Illness Insurance: It provides a lump-sum benefit for the diagnosis of a covered critical illness, such as a heart attack or stroke. The money can be used for travel, room and board, childcare, or treatment options not covered by primary insurance.
• Hospital Care Insurance: Benefits are paid after a qualified hospitalization due to a covered injury or illness. The money can be used for childcare, travel, or other out-of-pocket expenses.

Supplemental Insurance Policies

These policies help cover out-of-pocket medical expenses, such as copays and deductibles, in the event of a serious illness or accident. They are designed to provide financial support for everyday expenses and offer peace of mind. Cigna's supplemental insurance policies include:

• Lump Sum Heart Attack and Stroke Insurance: This policy provides a cash benefit of up to $75,000 to help with medical or household expenses related to a heart attack, stroke, or other heart-related surgery.
• Lump Sum Cancer Insurance: It offers a cash benefit to help cover expenses after a cancer diagnosis, including medical costs and household expenses.
• Cancer Treatment Insurance: This policy provides a cash benefit to assist with the costs of cancer treatment, care, and associated expenses.
• Hospital Indemnity Insurance: Pays a fixed benefit following a covered hospitalization, which can be used for medical or household expenses.
• Accident Treatment Insurance: It helps pay for the cost of covered accidental injuries and related expenses. It offers three flexible benefit levels, and cash benefits can be paid directly to the policyholder or the hospital.
• Whole Life Insurance: This policy provides a cash benefit to cover final expenses due to accidental death or illness and has guaranteed premiums that will not increase.

Medicare Supplement (Medigap) Insurance Plans

These plans help pay for some out-of-pocket costs that Original Medicare doesn't cover, including deductibles, copays, and coinsurance. Cigna's Medicare Supplement Insurance Plans offer extensive coverage with competitive premiums and the freedom to choose any doctor or hospital that accepts Medicare.

Cigna's dental coverage

Cigna offers a range of dental insurance plans for individuals and families, including options that bundle vision and hearing coverage. Their plans start from around $1 a day, with average monthly premiums starting at $20. Cigna's dental insurance plans include:

• Low Deductible Plans: These plans offer lower-cost coverage for individuals and families, with up to $1,500 in benefits and $0 dental check-ups, including cleanings and routine x-rays. Orthodontics are available on select plans.
• High Annual Maximum Plan: This plan provides more robust coverage, with up to $3,000 in benefits. Dental check-ups, including cleanings and routine x-rays, are covered after the deductible.
• Dental Plus Coverage: This plan includes dental, vision, and hearing coverage, with up to $2,500 in dental benefits, $300 in vision benefits, and $700 in hearing benefits. Dental implants are available on select plans.

Cigna's dental insurance plans provide access to a large nationwide network of dentists, and online tools to help customers save money and find the right dentist for their needs. Their plans also offer 24/7 access to coverage information, claims, ID cards, and more through the myCigna website and mobile app.

In addition to their dental insurance plans, Cigna also offers supplemental coverage for orthodontic care, crowns, bridges, and dentures. These plans have different types of dental insurance, including Dental Preferred Provider Organization (DPPO), Dental Health Maintenance Organization (DHMO), Dental Exclusive Provider Organization (DEPO), and Dental Point of Service (DPOS). These plans vary in terms of covered services, costs, and limitations, with some plans offering more freedom to choose dentists and specialists, while others provide lower costs by requiring customers to choose a primary care dentist from their network.

Cigna's Medicare plans

Cigna offers a range of Medicare plans to cater to different needs. Here is an overview of Cigna's Medicare plans:

Medicare Advantage (Part C)

Medicare Advantage is an insurance plan offered by private companies, including Cigna, that contract with Medicare to provide Part A and Part B services. These plans often include additional benefits not covered by original Medicare, such as hearing, vision, and prescription drugs. Cigna's Medicare Advantage plans can vary in terms of coverage and administration, including 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. Cigna offers Medicare Part D plans that can be added to Medicare Advantage or original Medicare.

Medicare Supplement Insurance (Medigap)

Medigap is an insurance policy that covers costs not included in original Medicare, such as copayments and deductibles. Cigna's Medigap plans can save individuals up to 25% in discounts and offer extensive coverage with competitive premiums.

Original Medicare (Part A and Part B)

Original Medicare is provided directly by the US government and covers individuals 65 and older, as well as some younger people with disabilities or long-term kidney failure. Part A covers hospital care, skilled nursing facilities, and hospice, while Part B covers doctor visits, medical equipment, and preventive care.

Cigna provides resources to help individuals understand the different parts of Medicare and choose the plan that best suits their needs. They offer flexible coverage options, no-cost perks, and easy access to plan information through the myCigna website and app.

Frequently asked questions