Haris Ashley
Cigna is an American multinational managed healthcare and insurance company that offers a range of health insurance plans to individuals and employers. These plans include medical, dental, pharmacy, behavioural, and voluntary benefits. Cigna's health insurance plans can be tailored to meet individual needs and offer a wide range of coverage options, including international health insurance and Medicare. The company has a global network of hospitals and medical professionals, providing support to customers worldwide. In addition to health insurance, Cigna also offers life insurance and accident insurance products.
| Characteristics | Values |
|---|---|
| Type of Insurance Company | For-profit managed healthcare and insurance company |
| Company Headquarters | Bloomfield, Connecticut |
| Incorporation | Delaware |
| Global Presence | Over 200 markets and territories around the world |
| Network | 1.65 million hospitals, doctors and specialists |
| Service Accessibility | 24/7, 365 days a year |
| Service Languages | More than 50 languages |
| Insurance Types | Medical, dental, disability, life and accident insurance |
| Insurance Offerings | Individual and family plans |
| Insurance Coverage | Cancer, hospitalization, stroke, heart attack, accidents, life insurance, Medicare |
| Insurance Plans | EPOs, HMOs, PPOs, and POS plans |
| Insurance Plan Features | Virtual care, preventive care, prescription drugs, worldwide network of medical professionals and hospitals |
| Insurance Plan Costs | Vary based on location and plan type |
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What You'll Learn
Medical, dental, pharmacy, behavioural, and voluntary benefits
Cigna Healthcare offers a range of medical, dental, pharmacy, behavioural, and voluntary benefits to individuals, families, and employers.
Medical Benefits
Cigna Healthcare provides medical insurance plans that cover a range of health issues, including cancer, hospitalization, stroke, heart attack, accidents, and life insurance. They also offer supplemental insurance policies that provide additional coverage and cash benefits. These plans can help with financial protection for unexpected events, such as critical illness and accidental injury. Cigna Healthcare also provides access to virtual care through a telehealth provider, MDLive, which offers $0 preventive care and dedicated virtual urgent care for minor acute medical conditions.
Dental Benefits
Cigna Healthcare offers affordable dental insurance plans for individuals and families, including dental cleaning coverage of up to one cleaning per calendar year. The specific benefits and availability of these plans vary by state and location.
Pharmacy Benefits
Cigna Healthcare-administered pharmacy benefits include access to Accredo®, a Cigna specialty pharmacy. Accredo caters to individuals with complex medical conditions, such as multiple sclerosis, hepatitis C, or rheumatoid arthritis, by filling and delivering medications to their chosen location. To be eligible for coverage, a drug must generally be approved by the FDA, prescribed by a healthcare professional, purchased from a licensed pharmacy, and medically necessary.
Behavioural Benefits
Cigna Healthcare provides 24/7 access to board-certified doctors via phone or video for common health issues. This service includes prescriptions if needed.
Voluntary Benefits
Cigna Healthcare offers a range of voluntary benefits that employers may provide. These benefits focus on all aspects of well-being, including physical and emotional health.
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$17.99
Medicare coverage
Cigna Healthcare offers health insurance plans, including Medicare coverage, to individuals and employers. Cigna's Medicare coverage helps members navigate their benefits and services. Cigna Healthcare is trusted by over 189 million customers and has been in operation for over 225 years.
Medicare is health insurance provided by the United States government for people aged 65 and older. It also covers some people younger than 65 with disabilities and those with long-term (chronic) kidney failure who require dialysis or a transplant. Medicare helps pay for most hospital services and doctor visits, as well as physical therapy, occupational therapy, and some other home health services. However, it does not cover everything. For example, it does not pay for long-term care, dental and vision care, or hearing aids.
Medicare services are offered in parts, with Parts A and B often referred to as Original Medicare. This covers hospital care, skilled nursing facilities for a limited time, and hospice. Members can choose their doctors and hospitals, provided they accept Medicare payments. Medicare Advantage, Part D, and Medicare Supplement Insurance options are also available to meet different lifestyle needs. Medicare Supplement Insurance helps pay out-of-pocket costs, including copays, deductibles, and coinsurance. Part D helps protect against high prescription drug costs.
Cigna Healthcare provides members with access to Dedicated Virtual Care through a national telehealth provider, MDLive, located on myCigna. Members can also access their claims, coverage, ID cards, and more through the myCigna website and mobile app. Cigna offers quality plan options, personalized support, and low costs. Plans offer virtual care starting at $0 and come with $0 preventive care.
Cigna's Medicare Supplement Plans are available to persons eligible for Medicare due to disability in select states, including Arkansas, Connecticut, Indiana, Maryland, Oklahoma, Rhode Island, Texas, and Virginia.
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International health insurance
Cigna offers international health insurance plans that protect individuals and employers with employees living, working, retiring, or studying abroad. These plans can be tailored to meet the health insurance needs of those on overseas adventures, with a global support network of hospitals and medical professionals. Cigna's coverage extends to more than 200 markets and territories worldwide, with 1.5 million health professionals and 24/7 customer service in over 50 languages.
The company offers a wide range of insurance plans and products that focus on all aspects of well-being, including physical and emotional health. Cigna's international health insurance plans provide flexibility and choice, allowing customers to build a plan that meets their unique needs.
For individuals, Cigna's international health insurance plans offer extensive access to global health coverage, with a worldwide network of medical professionals and hospitals. The plans cover unexpected illnesses, injuries, and routine medical benefits, ensuring peace of mind for those living or travelling abroad.
For employers, Cigna's global expat health insurance provides flexible healthcare coverage solutions for employees and their families on international assignments. This includes access to quality care for employees travelling on business or living abroad, with an online portal, Cigna Envoy®, that simplifies account management, provider searches, claims submissions, and document access.
Cigna's international health insurance plans are designed to support companies with domestic, expat, and globally mobile employees, offering experienced support and in-depth local market knowledge to adapt to various situations and health requirements.
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Health insurance for individuals and families
Cigna offers health insurance plans for individuals and families, including medical, dental, pharmacy, and behavioural health benefits. These plans are designed to meet the specific needs of individuals and families, with a range of coverage options and benefits.
Cigna's individual and family health insurance plans provide access to quality healthcare services, including virtual urgent care, preventive care visits, and prescription drug coverage. The company offers a wide range of insurance plans and products that focus on all aspects of well-being, including physical and emotional health. Cigna's plans are also designed to be flexible and cost-effective, with the option to choose between regional, international, and international plus plans to suit different healthcare needs and requirements.
For families, Cigna offers the option of extended family insurance plans, which can be more cost-effective than separate individual plans. The company also provides additional benefits, such as the Life Management Assistance program, which helps individuals take care of their parents and loved ones. Cigna's Healthy Connect optional module offers a wide range of benefits to help families take control of their health and well-being, including convenient digital solutions such as apps, online portals, and telehealth services.
It is important to note that Cigna's health insurance plans may have exclusions and limitations, and the availability of specific plans and benefits may vary by location and state. Individuals should carefully review their plan documents or contact a Cigna Healthcare representative to understand the costs and details of their coverage.
Additionally, Cigna offers a range of voluntary benefits that individuals may receive through their employers, including medical, dental, pharmacy, and behavioural health benefits. These benefits can help individuals manage their healthcare needs and costs. Open Enrollment for 2025 plans has ended, but individuals who have experienced a qualifying life event may still be eligible for Special Enrollment.
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Cancer, hospitalisation, stroke, heart attack, and accident insurance
Cigna Healthcare offers a range of insurance plans to individuals, families, and employers. These include medical, dental, pharmacy, behavioural, and voluntary benefits. Cigna's insurance plans cover cancer, hospitalisation, stroke, heart attack, and accident insurance.
Cancer Insurance
Cancer Treatment Insurance from Cigna provides cash for covered care and costs due to cancer treatment. The benefits help pay for a range of treatments, care, and related costs, including hospital stays, surgeries, chemotherapy, and radiation treatments. The Lump Sum Cancer Rider pays 100% of the selected benefit amount, from $5,000 to $100,000, upon cancer diagnosis.
Hospitalisation Insurance
Cigna's Hospital Care (Indemnity) Insurance provides payment for hospital stays resulting from a covered injury or illness. The money can be used for medical deductibles, childcare, groceries, and more. This insurance does not cover all medical expenses and is not comprehensive health insurance coverage.
Heart Attack and Stroke Insurance
Cigna offers Lump Sum Heart Attack and Stroke Insurance, which provides a cash benefit that can be used for medical deductibles, co-insurance, and payments for doctor's visits. The base policy covers heart attack, stroke, heart transplant, angioplasty, coronary artery bypass surgery, and other heart-related procedures. The Heart Attack and Stroke Restoration Benefit Rider provides a percentage of the chosen benefit amount, from $5,000 to $50,000, upon diagnosis of a covered heart attack or stroke.
Accident Insurance
Cigna's Group Accidental Injury Insurance provides flexible cash benefits to cover accident-related costs. A cash benefit is paid directly to the covered person for a broad range of injuries or treatments associated with a covered accident. The money can be used for medical deductibles, childcare, groceries, and other expenses.
It is important to note that Cigna's insurance plans may have exclusions, limitations, and reductions in benefits. The availability and details of coverage may vary, so it is recommended to contact a Cigna Healthcare representative or refer to their website for specific information.
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Frequently asked questions
Cigna offers health insurance plans such as medical, dental, pharmacy, behavioural, and voluntary benefits. They also offer Medicare coverage and international health insurance.
Cigna's health insurance plans can cover cancer treatment, hospitalisation, stroke and heart attack, accidents, and life insurance. They also offer a range of insurance plans and products that focus on all aspects of your well-being, including both physical and emotional health.
Cigna's international health cover can be tailored to meet your needs, offering a global support network of hospitals and medical professionals. Their coverage extends to more than 200 markets and territories worldwide, with 1.5 million health professionals and 24/7 customer service in over 50 languages.
Cigna recommends starting by understanding your specific healthcare needs. If you are generally healthy and don't visit the doctor often, consider a plan with higher deductibles and lower premiums. If you require more than preventive care, choose a plan with lower deductibles and coinsurance for more predictable costs.
