Cigna's Roots: Connecticut General Life Insurance History

Cigna is a health insurance company that offers a range of insurance products and services, including medical, dental, pharmacy, and behavioural health coverage. The company provides both individual and family plans, as well as employer-sponsored group plans. Cigna's products and services are provided by various operating subsidiaries, including Cigna Health and Life Insurance Company and Connecticut General Life Insurance Company, both located in Bloomfield, CT. So, yes, Cigna is part of Connecticut General Life Insurance.

Cigna Healthcare's customer service

Cigna's customer service offers support for individuals and families with questions about coverage, benefits, claims, and more. Their customer service team can be contacted via phone, mail, or online chat.

Phone

For individuals with hearing impairments, Cigna offers a TTY/TDD Service. To access this service, dial 711 and follow the prompts.

For other callers, customer service is available Monday to Friday, 9 am–8 pm, Eastern Time.

Mail

Cigna Healthcare

Attn: Customer Service

P.O. Box 20002

Nashville, TN 37202

Online Chat

Log in to myCigna to start a chat. Live Chat is available 24/7, 365 days a year, in English, for customers enrolled in certain products or services.

Other Contact Information

Cigna also provides other phone numbers and mailing addresses for specific departments and services, including:

• Medical Claims
• Dental Claims
• Vision Claims
• Home Delivery Pharmacy
• Medicare Advantage Plans
• Medicare Prescription Drug Plans
• Medicare Supplement Insurance Plans

Additionally, Cigna offers a range of tools and resources on its website, such as the ability to look up in-network doctors and covered prescription drugs, as well as information about coverage, benefits, and claims.

Cigna Healthcare is a subsidiary of Cigna Health and Life Insurance Company, which is, in turn, a subsidiary of The Cigna Group Corporation. The Cigna Group Corporation includes other companies that offer health insurance and health benefit plans, such as Connecticut General Life Insurance Company (CGLIC) and its affiliates.

Cigna's Medicare Advantage Plans

Cigna is a health insurance company that offers a variety of plans, including Medicare Advantage Plans. Cigna was previously known as the Connecticut General Life Insurance Company (CGLIC).

To be eligible for a Cigna Medicare Advantage Plan, individuals must be 65 or older. Those with other Medicare coverage can switch to a Cigna Medicare Advantage Plan during the annual open enrollment period. There are also other exceptions that may qualify individuals, such as eligible disabilities or chronic conditions.

Cigna provides resources to help individuals understand their options and choose the right plan for their needs. With a Cigna Medicare Advantage Plan, individuals can access their coverage, prescriptions, premium payments, and ID cards anytime, anywhere through the myCigna® website and app.

In summary, Cigna's Medicare Advantage Plans offer comprehensive coverage, flexible options, and extra benefits to meet the needs of individuals seeking convenient and affordable healthcare solutions.

Cigna's Medicare Prescription Drug Plans

Cigna is indeed part of the Connecticut General Life Insurance Company (CGLIC). Cigna offers Medicare Part D Prescription Drug Plans (PDP) that provide personalized prescription drug coverage. These plans are available to individuals and families, as well as group Medicare plans for employers.

Cigna's Medicare Part D plans offer:

• $0 or low copays on many medications.
• Savings at preferred pharmacies, with a network of national and regional chain pharmacies to choose from.
• Extensive drug coverage, with a drug formulary that covers over 3,000 medications common to Medicare customers.
• No-cost programs and services, such as savings on LASIK vision correction and acupuncture.
• Pharmacy networks to help you save on prescription drugs.
• The option to enrol in the Medicare Prescription Payment Plan if you spend over $2,000 in drug costs each year. This voluntary program helps spread prescription drug costs throughout the year.

You can enrol in a Cigna Medicare Part D plan online, by phone, mail, or fax. To enrol, you will need the Medicare Card ID number and date of birth of the person enrolling. If you are turning 65, you have a 7-month window to enrol, which includes the 3 months before and after the month of your birthday. If you miss this window, you may still enrol but will likely have to pay a late enrolment penalty.

You can switch your Medicare prescription drug coverage during the Open Enrollment Period between October 15 and December 7 each year, with the change taking effect on January 1 of the following year. Outside of this period, you can make changes during Special Enrollment Periods (SEPs) when certain life events occur, such as moving, losing other insurance coverage, or qualifying for Extra Help.

Cigna's Medicare Part D plans cover various brand-name and generic drugs. Generic drugs have the same active ingredients as brand-name drugs but usually cost less and are rated by the FDA to be as safe and effective. Cigna Healthcare doctors and pharmacists select drugs for their effectiveness, safety, ease of use, and cost.

You can use Cigna's online tools to view medication pricing, compare costs, and find prescription alternatives. Cigna also provides a drug formulary, or a list of commonly prescribed drugs covered by your plan. Your medication may have certain requirements, such as prior authorization or step therapy.

During the plan year, Cigna may make changes to the list of covered drugs, which are typically positive changes such as adding new drugs, removing restrictions, or moving a medication to a lower cost-sharing tier. If there are negative changes, such as removing a medication or increasing its cost, you will generally be notified on your Explanation of Benefits (EOB) statement.

Cigna's Medicare Supplement Insurance Plans

Cigna is a healthcare company that offers a range of insurance plans, including Medicare Supplement Insurance Plans. These plans are designed to help cover some of the out-of-pocket costs that Original Medicare doesn't, such as deductibles, copays, and coinsurance. Cigna's Medicare Supplement Insurance Plans offer extensive coverage and competitive premiums, with some plans offering lower monthly premiums and predictable out-of-pocket costs.

Medicare Supplement (Medigap) Insurance Plans:

Plan Options:

Cigna offers several Medicare Supplement Plan options, including:

• High Deductible Plan G: This plan offers the same coverage as Plan G but with a lower monthly premium. You pay the calendar year deductible.
• Plan G: This plan provides extensive coverage and a lower premium.
• Plan N: Features lower monthly premiums and predictable out-of-pocket costs. You pay up to $20 copays for doctor's visits and up to $50 for ER visits.
• Plan A: Offers additional coverage beyond Original Medicare, providing a little extra cost protection.
• Plan F: Provides extensive coverage and the lowest out-of-pocket costs of all plans.
• High Deductible Plan F: Offers the same coverage as Plan F but with lower monthly premiums. You pay the calendar year deductible.

Enrollment and Eligibility:

You can apply for a Medicare Supplement insurance policy once you are 65 or older and enrolled in Medicare Part B. In some states, if you are younger than 65 and qualify for Medicare due to a disability, you may also be eligible.

Medicare Supplement open enrollment is a 6-month period during which you can purchase any Medicare supplement policy sold in your state, regardless of pre-existing health conditions. This period starts on the first day of the month after you turn 65 and enroll in Part B.

Discounts and Perks:

Cigna offers various discounts and perks with their Medicare Supplement Insurance Plans:

• Up to 25% Discount: You can save up to 25% on premiums, including a 20% premium discount and an additional 5% if you apply online.
• Guaranteed Renewable: Your policy cannot be canceled, providing peace of mind.
• No Referrals Required: In most cases, you can choose any doctor or hospital that accepts Medicare without the need for referrals.
• Foreign Travel Emergency Coverage: Some plans offer coverage for medical emergencies abroad.

Availability:

The availability of specific Medicare Supplement Plans may vary by state. Additionally, Plan F and High Deductible Plan F are only available to individuals who were eligible for Medicare before January 1, 2020, due to age or disability.

In summary, Cigna's Medicare Supplement Insurance Plans offer comprehensive coverage options with competitive premiums and added perks. These plans help cover out-of-pocket expenses that Original Medicare doesn't, providing financial protection and peace of mind for individuals over 65 or those eligible due to a disability.

Cigna's dental, vision, and pharmacy plans

Cigna offers a range of dental, vision, and pharmacy plans to cater to individuals' and families' needs. Here is an overview of their offerings:

Dental Plans

Cigna offers a variety of dental insurance plans, including the Cigna Dental Preventive plan, which has lower deductibles and covers dental check-ups, cleanings, and routine x-rays at no additional cost. They also offer higher benefit plans, such as the Cigna Dental 3000/100, which provides dental benefits of up to $2,500 and vision and hearing benefits as well. For those seeking maximum coverage, the Cigna Dental Vision Hearing 3500 plan offers dental, vision, and hearing benefits, with dental benefits of up to $2,500 per calendar year, vision benefits of up to $300, and hearing benefits of up to $700. This plan also includes coverage for basic and major restorative services.

Vision Plans

Vision benefits are included in some dental plans, such as the Cigna Dental Vision 1000 and Cigna Dental Vision Hearing 2000 plans. The Cigna Dental Vision 1000 plan offers a $50 annual deductible for individuals and a $150 annual deductible for families, with vision exams covered at 30% or up to $50. It provides $100 to use towards eyewear, including lenses, frames, and contacts. The plan also offers additional savings when choosing an eye care professional from the Cigna Healthcare Vision network.

Pharmacy Plans

Cigna also provides pharmacy benefits, which can be accessed through their website or the myCigna app. They offer tools to look up covered prescription drugs and in-network doctors. Additionally, Cigna provides 24/7 access to board-certified doctors by phone or video for common health issues, with prescriptions available if needed.

Supplemental Coverage

In addition to the core dental, vision, and pharmacy plans, Cigna offers supplemental coverage options. These include supplemental health insurance plans such as Lump Sum Heart Attack and Stroke Insurance, Cancer Treatment Insurance, and Hospital Indemnity Insurance. These plans provide additional coverage and cash benefits for specific health events and conditions.

Frequently asked questions