Jane Dotson
Cigna is an American multinational for-profit managed healthcare and insurance company based in Bloomfield, Connecticut. Cigna offers a range of insurance products and services, including individual and family medical and dental insurance plans, group health insurance plans, accidental injury, critical illness, and hospital care plans. Cigna's insurance plans provide coverage for various health-related expenses, including hospitalization, accidents, and medical care. Cigna's plans may have exclusions and limitations, and the availability and costs of coverage can vary by state and plan type. Cigna has faced some controversies and legal issues, including allegations of defrauding Medicare and Medicaid and engaging in automatic denials of insurance claims.
| Characteristics | Values |
|---|---|
| Type of company | For-profit |
| Industry | Managed healthcare and insurance |
| Incorporation | Delaware |
| Headquarters | Bloomfield, Connecticut |
| Insurance subsidiaries | Medical, dental, disability, life, and accident insurance |
| Insurance policy providers | Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., and Cigna HealthCare of Texas, Inc. |
| Insurance plans | Individual and family medical and dental insurance plans, group health insurance, accidental injury, critical illness, and hospital care plans |
| Coverage | Cancer, hospitalization, stroke, heart attack, accidents, life insurance, Medicare, and dental plans |
| Exclusions | Medicaid, Medicare supplement insurance, and Affordable Care Act (ACA) requirements |
| Availability | AZ, CO, FL, GA, IL, IN, MS, NC, TN, TX, and VA |
| Rewards programs | Cigna Take Control Rewards®, Healthy Rewards® |
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What You'll Learn
- Cigna offers health insurance plans for individuals and families
- Group health insurance and health benefit plans are also available
- Cigna provides accidental injury, critical illness, and hospital care plans
- Dental insurance is included in Cigna's healthcare plans
- Cigna Healthcare's Take Control Rewards Program offers rewards for active policyholders
Cigna offers health insurance plans for individuals and families
Cigna is an American multinational managed healthcare and insurance company that provides health insurance plans for individuals and families. These plans are insured by Cigna Health and Life Insurance Company (CHLIC) and its affiliates, including Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., and others.
Cigna offers a range of health insurance options, including HMOs and EPOs, which provide access to a network of participating healthcare professionals and facilities. While HMOs typically have lower costs when using in-network providers, EPOs may offer more flexibility by covering out-of-network care in emergencies.
Cigna's individual and family plans also include the Cigna Take Control Rewards Program, which offers rewards and discounts on certain goods and services. Additionally, Cigna provides accidental injury, critical illness, and hospital care plans distributed through its subsidiaries.
It is important to note that Cigna's policies have exclusions and limitations, and they may not satisfy the minimum requirements of the Affordable Care Act (ACA). Therefore, it is advisable to carefully review the plan documents or consult a Cigna Healthcare representative to understand the coverage, costs, and availability in your specific state or location.
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Group health insurance and health benefit plans are also available
Cigna is an American multinational for-profit managed healthcare and insurance company. It offers a range of insurance policies and group benefit plans, including group health insurance and health benefit plans.
Group health insurance and health benefit plans are available for businesses to offer their employees. These plans are insured or administered by CHLIC (Cigna Health and Life Insurance Company), CGLIC (Connecticut General Life Insurance Company), or their affiliates. These plans are available in various states, including Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Mississippi, North Carolina, Tennessee, Texas, and Virginia.
The specific details of group health insurance and health benefit plans can vary, but they generally provide coverage for medical, dental, and other health-related expenses. These plans may have exclusions and limitations, and it's important to review the plan documents or consult with a Cigna Healthcare representative to understand the coverage, exclusions, and limitations.
Cigna offers different types of health insurance plans, including HMOs and EPOs. HMOs (Health Maintenance Organizations) provide access to a network of participating healthcare professionals and facilities, from which you choose a Primary Care Provider (PCP) to coordinate your care. EPOs (Exclusive Provider Organizations) also offer a network of providers to choose from, but they typically do not cover out-of-network care except in emergencies.
Cigna's group health insurance and health benefit plans can be customized to meet the specific needs of a company and its employees. They can provide coverage for hospitalization, accidents, critical illness, and other health-related expenses. Additionally, Cigna offers support and resources to help employers and employees make informed decisions about their healthcare coverage.
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Cigna provides accidental injury, critical illness, and hospital care plans
Cigna is a healthcare company that provides a range of insurance plans and products to cater to various health and medical needs. Among the services offered by Cigna are accidental injury insurance, critical illness insurance, and hospital care plans.
Accidental Injury Insurance from Cigna provides financial support to individuals recovering from accidental injuries. It helps cover the out-of-pocket expenses that arise during recovery, such as rehabilitation, transportation, and childcare. A cash benefit is paid directly to the insured person, allowing them to use the money as needed. This includes covering medical deductibles, childcare, groceries, and other expenses. Cigna's Accidental Injury Insurance is designed to complement existing medical coverage and provide additional financial assistance during the recovery process.
Critical Illness Insurance offered by Cigna helps individuals manage the financial burden associated with unexpected critical illnesses. It provides coverage for out-of-pocket expenses, ensuring that employees can focus on their recovery without worrying about medical bills. Cigna's Critical Illness Insurance pays a cash benefit directly to the insured person upon diagnosis of a covered critical illness or specific disease condition. This benefit can be used to cover everyday expenses that accumulate during the treatment and recovery process.
Cigna's Hospital Care plans provide coverage for hospitalization expenses. While specific details of the plans are not publicly available, Cigna mentions coverage for hospitalization in their health insurance plans. This suggests that their hospital care plans likely include benefits such as inpatient care, emergency room visits, and other services related to hospital stays.
It is important to note that Cigna's insurance policies may have exclusions and limitations, and the availability and coverage details can vary by location and plan type. Interested individuals should contact a Cigna Healthcare representative to learn more about the specific benefits, exclusions, and availability of Cigna's Accidental Injury, Critical Illness, and Hospital Care plans in their area.
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Dental insurance is included in Cigna's healthcare plans
Cigna is a health services company that provides various insurance plans for individuals, families, and groups. Dental insurance is included in Cigna's healthcare plans, with options for both individuals and families. Cigna offers a range of dental insurance plans, from basic to full coverage, with varying levels of coverage and benefits.
The basic dental insurance plan offered by Cigna covers preventive care such as regular dental exams, cleanings, and routine X-rays. This type of plan helps to minimise the need for more extensive and costly treatments by promoting good oral hygiene and identifying potential issues early on. Cigna's basic dental insurance can start from as little as \$1 a day, making it an affordable option for individuals and families looking to maintain their oral health.
Full coverage dental insurance plans from Cigna go beyond preventive care and include benefits for a wider range of dental treatments and procedures. This type of plan typically covers basic restorative care, such as fillings and extractions, as well as major restorative care, including bridges, crowns, and dentures. Full coverage plans may also provide coverage for orthodontic treatment, such as braces and other teeth-straightening services, which can be expensive. However, it is important to note that not all full coverage plans include orthodontic care, and those that do may only cover a percentage of the cost.
Cigna's dental insurance plans offer flexibility in choosing a dentist. The Dental Preferred Provider Organization (DPPO) plan allows customers to choose from a network of providers or see a dentist outside the network, although out-of-network services will be more expensive. On the other hand, the Dental Indemnity plan gives customers the freedom to see any dentist they want, as there is no network restriction. This plan tends to be more costly but offers fewer restrictions and more options.
In addition to the type of plan and level of coverage, Cigna's dental insurance plans may have waiting periods for certain services, which can vary by state. It is important for customers to understand the details of their chosen plan, including any exclusions and limitations, to make an informed decision about their dental care. Cigna provides resources such as the Brighter Score® feature on myCigna® to help customers compare dentists and make informed choices based on professional history, affordability, and patient experience.
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Cigna Healthcare's Take Control Rewards Program offers rewards for active policyholders
Cigna is a global health company that has been providing insurance and wellness solutions for over 40 years. It offers health insurance, dental plans, and Medicare, as well as supplemental policies and group health insurance plans. Cigna's Take Control Rewards Program is available to all active Cigna Medical Individual and Family Plan policyholders who are 18 years of age or older. This program encourages members to engage in simple health-focused activities such as watching educational videos, reading beneficial articles, or completing preventive care tasks. Members can earn points through this program, which can be redeemed for rewards. For instance, these points can be used to shop for fitness gear, electronics, apparel, and more through an affiliated online store. Additionally, members can convert points into a Reloadable Reward Card to help cover healthcare expenses. Completing a health survey is a prerequisite for enrolling in the Take Control Rewards Program. Furthermore, subscribers can earn 50 extra points by opting for paperless plan documents, which will be organized securely in one place.
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Frequently asked questions
Cigna is an American multinational for-profit managed healthcare and insurance company. It offers a range of insurance products and services, including health insurance, dental plans, Medicare, life insurance, accidental injury, critical illness, and hospital care plans.
Cigna offers various types of health insurance plans, including HMOs, EPOs, and Point of Service (POS) plans. HMOs provide access to a local network of participating healthcare professionals and facilities, while EPOs offer a similar network but typically do not cover out-of-network care. POS plans provide access to healthcare services at a lower overall cost.
Cigna's insurance plans offer coverage for a range of medical expenses, including hospitalization, accidents, critical illness, and preventive care. Some plans may also cover specific events such as cancer, stroke, or heart attack. However, it's important to note that all Cigna policies contain exclusions and limitations, and they are not comprehensive health insurance coverage.
When choosing a Cigna insurance plan, it's important to consider your specific healthcare needs. If you are generally healthy and don't visit the doctor often, a plan with higher deductibles and lower premiums may be more cost-effective. On the other hand, if you require regular medical care or expect to incur significant medical expenses, consider a plan with lower deductibles and coinsurance to minimize out-of-pocket costs.
