Cigna Contracting & Appointment

Cigna is a global health service company with a history in the insurance business that spans more than 226 years.

Cigna Supplemental Benefits is a key provider of supplemental health products. The CSB product portfolio is insured by American Retirement Life Insurance Company (ARLIC), Cigna Health and Life Insurance Company (CHLIC), Cigna National Health Insurance Company (CNHIC) or Loyal American Life Insurance Company (Loyal).

Cigna is online at Cigna.com and maintains multiple social media accounts on most major platforms. They maintain a full list of social media links on their website.

Cigna formed in 1982 when Connecticut General Life Insurance Company merged with INA Corporation. INA – founded in 1792 – was the first company to offer life insurance policies for sea captains in 1794. Connecticut General began offering health insurance in 1912. The name Cigna is an anagram of INA and CG, the two founding companies.

Since the merger, Cigna has seen several milestones as a company, including acquisitions and international expansion. In 2005 they became a Medicare Part D provider, and in 2012 they acquired Medicare provider Health Spring.

Today the company offers a wide variety of plans and services, including Medicare Supplement insurance, cancer plans, heart attack and stroke plans, hospital indemnity, accident treatment plans, as well as Medicare Advantage under the name Cigna-HealthSpring. In addition to Cigna-HealthSpring, Cigna is also under the names of ARLIC, CHLIC, CNHIC and/or  Loyal American Life Insurance Company.

Cigna Products and State Availability

These are Cigna's current products and state availability for 2023, as well as information on contracting and appointment.

Loyal Accident Treatment

View this information as a web page.

State Availability

Last review date: 05/05/2023

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Plan Information

Issue ages 18–74.

The policy helps pay for medical and other costs in the event of an accident.

  • Issues ages 18-74.
  • Guaranteed renewable to age 80.
  • Coverage for individual, spouse and/or family.

The following are some of the covered benefits:

  • Medical Benefits include second-and-third degree burns, skin grafts, coma, concussion, dislocated joints, broken bones, emergency dental work.
  • Hospital and services include ambulance, accident emergency treatment, lacerations, accident follow-up treatment, paralysis, surgery, diagnostic imaging, hospital confinement, at-home recovery, family lodging and meals, accidental death & dismemberment.
  • Lump-sum Cancer and Heart Attack & Stroke riders are available along with Hospital Indemnity, ICU and Return of Premium riders; may vary by state.

Express App available in most states.

Request a Product Kit for Cigna Loyal Accident Treatment

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Loyal Cancer Treatment

View this information as a web page.

State Availability

Last review date: 05/05/2023

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Plan Information

Issue ages 18–99.

A Cancer Treatment Insurance Policy, insured by Loyal American Life Insurance Company provides benefits for covered cancer treatment costs. And helps pay for other out-of-pocket expenses related to your care, including childcare, transportation and lodging expenses.

  • Issue ages 18-99.
  • Guaranteed renewable for life.
  • Coverage for individual, spouse and/or family.
  • Paid regardless of any other insurance you may have
  • Riders for added flexibility (for an additional premium)

Base benefits include hospital (outpatient diagnostics), surgical (anesthesia), treatment benefits (reconstructive breast surgery, prosthesis), chemotherapy and radiation, travel benefits (ambulance, transportation & lodging), waiver of premium, continuation of care (rehab), family care benefits (child tutoring services, counseling). This are just some of benefits offered.

Lump-sum Cancer and Heart Attack & Stroke riders are available along with Hospital, ICU and Return of Premium riders; may vary by state.

Express App available in most states.

Request a Product Kit for Cigna Loyal Cancer Treatment

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Loyal Flexible Choice 2.0 Cancer Heart Attack and Stroke

View this information as a web page.

State Availability

Last review date: 05/05/2023

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Plan Information

Issue ages 18–99.

The policy provides a lump-sum benefit for the diagnosis of heart conditions and stroke with the flexibility to add multiple riders for recurrence, restoration and more.

  • Issue ages 18-99.
  • Guaranteed renewable for life.
  • Benefit amount from $5,000 to $75,000.
  • Cash payment paid directly to individual or anyone they choose.
  • Benefit Riders include: Benefit Builder, Radiation and Chemotherapy, Recurrence, Restoration, Specified Disease, Accident Fixed Indemnity, Hospital and Intensive Care Unit Indemnity.

Flexible Choice allows individual to choose a Cancer policy, a Heart Attack & Stroke policy or both:

Cancer Policy

A Cancer insurance policy can help pay for treatment costs or any other expenses. A Flexible Choice Cancer insurance policy pays 100% of selected benefit amount, from $5,000 to $75,000, if you are diagnosed with cancer or carcinoma in situ while policy is in force. This money may be used to help pay out-of-pocket medical expenses or for any other purpose. This coverage is also available as a rider on a Flexible Choice Heart Attack & Stroke policy.

Heart Attack & Stroke Policy

With the Flexible Choice Heart Attack & Stroke insurance policy, an individual can receive a percentage of your selected benefit amount ($5,000 to $75,000) if you receive a diagnosis for one of the qualifying events shown. Benefits can be paid up to the maximum amount of your selected benefit amount. This coverage is also available as a rider on a Flexible Choice Cancer policy. Additional riders are available for an additional premium: Lump Sum Cancer and Heart & Stroke Benefit Building, Specified Disease (hearing loss, major organ transplant, paralysis, blindness, coma, end-stage renal failure), Accident Fixed Indemnity (broken bones, dislocation, concussion, eye injury, laceration, ER room or urgent care center visit, x-ray, crutches, rehab therapy), Hospital and Intensive Care Unit Indemnity Benefit Riders (pays $100-$1,000 per day).

Express App available in most states.

Request a Product Kit for Cigna Loyal Flexible Choice 2.0 Cancer Heart Attack and Stroke

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Medicare Advantage

View this information as a web page.

State Availability

Last review date: 05/05/2023

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Plan Information

With Cigna Medicare Advantage health care plans an individual can get medical, dental, vision, and prescriptions in one plan. Cigna Medicare Advantage offers HMO, PPO, and Special Needs Plans (SNPs). The beneficiary will have access to primary doctors, specialists, case managers, worldwide emergency care, and a 24-hour nurse line. These plans use a designated network of doctors and hospitals who work together to provide the needed care in the most cost-effective way: a team approach to health care that promotes the doctor-patient relationship.

List of available plans:

1. Health Maintenance Organization (HMO) – Contracts with Medicare providing access to a network of doctors and hospitals that coordinate care with a focus on prevention. With an HMO, care may not be covered if you go outside the HMO network without prior approval.

2. Preferred Provider Organization (PPO) – Provides access to a network of doctors and hospitals that coordinate care. PPOs have a network of doctors but also allow an individual to use out-of-network providers for a higher copay or coinsurance.

3. Chronic Special Needs Plan (C-SNP) – A Medicare Advantage Plan with coverage for Medicare beneficiaries with certain chronic conditions (such as diabetes), or other specific needs.

4. Dual Special Needs Plan (D-SNP) – A Medicare Advantage Plan with coverage for Medicare beneficiaries who receive additional medical assistance from the state. Individual must have both Medicaid and Medicare to join a Cigna D-SNP plan.

To join a Medicare Advantage Plan an individual must:

  • Have both Medicare Part A and Part B.
  • Have permanent residence in service area.
  • Not have end-stage renal disease (ESRD), (kidney dialysis).

Cigna Medicare Advantage Plans offer:

  • No or low monthly plan premiums.
  • No or low copays.
  • Plan covers 100% of Original Medicare benefits.
  • Out-of-pocket protection.

Most plans include prescription drug coverage. Medicare Advantage-Only Plans never include prescription drug coverage. Dual Eligible Special Needs Plans (DE-SNP) are offered, all SNPs must provide Medicare prescription drug coverage.

Medicare Advantage Plans are not available in all states or counties within a state.

Some information may vary by state. See state-specific information and rates.

Request a Product Kit for Cigna Medicare Advantage

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

(ARLIC, CHLIC, LOYAL & CNHIC) Medicare Supplement

View this information as a web page.

State Availability

Last review date: 05/05/2023

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Plan Information

For customers who are enrolled in Medicare Parts A & B, Medicare Supplement coverage is offered to help pay out-of-pocket expenses plus value-added service programs are provided through third-party vendors. Choose from Plans A, B, G, N, or F.

  • Freedom to choose doctors.
  • Guaranteed renewable policy for life.
  • Healthy Rewards Discount Program (includes vision, hearing and health & wellness discounts).
  • Multiple underwriting rate classes are available outside of open enrollment and any guaranteed issue period.
  • Household premium discount available in some states and may vary by state and company.

Some information may vary by state. See state-specific information and rates.

Request a Product Kit for Cigna (ARLIC, CHLIC, LOYAL & CNHIC) Medicare Supplement

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Loyal Flexible Choice Hospital Indemnity

View this information as a web page.

State Availability

Last review date: 05/05/2023 – Plan Year 2

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Plan Information

Issue ages 50–85.

Hospital Indemnity insurance pays for other hospital expenses and additional protection during a hospital stay. Benefits are paid for overnight hospital confinements, emergency room treatments, ambulance transportation and skilled nursing.

  • Issue Ages: 50-85.
  • No network restrictions.
  • Guaranteed renewable.
  • Coverage can be for individual, spouse, and/or family.
  • No deductible, fixed benefit.
  • Household discounts may apply.

Cigna’s Flexible Choice Hospital Indemnity Plan offers 3 options:

Senior Choice Option 1: Covers Hospital confinement for 6 or 10 days, $100-$450 per day, with a choice of benefit in $25 increments.

Senior Choice Option 2: In addition to Hospital confinement, offers $100 benefit each for observation and skilled nursing facilities.

Senior Choice Option 3: Offers the coverage from option 2 as well as hospital admission benefits of $250, $500, or $750, an ambulance transportation benefit of $150, and $50 toward ER treatment.

Optional Riders: Lump Sum Cancer, Lump Sum Heart Attack & Stroke, Accident Coverage.

Request a Product Kit for Cigna Loyal Flexible Choice Hospital Indemnity

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Flexible Choice Dental, Vision & Hearing

View this information as a web page.

State Availability

Last review date: 05/05/2023

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MD ME MI MN MO MS MT ND NE NH NV OH OK PA SC SD TN TX UT VT WI WV WY

Plan Information

Description & Plan Details: Cigna Flexible Choice Dental, Vision & Hearing covers care that goes above and beyond routine check-ups and protects you from high out-of-pocket costs.

A Cigna Flexible Choice Dental, Vision & Hearing policy can cover member, member’s spouse or partner, and children.

Dental Benefits:

  • Issue ages 18-89.
  • Increased benefits over time.
  • Disappearing deductible option and competitive pricing.
  • Maximum coverage up to $5,000.
  • Guaranteed renewable for life.

Vision Benefits:

  • 6-month waiting period, and plan pays up to $200 every 2 years.

Hearing Benefits:

  • 12-month waiting period, and plan pays up to $500 every year.

Agent benefits include:

  • Online application with no wet signature.
  • Clean cases issued in three to five business days, and advances paid daily.
  • Heaped or level commissions.

Request a Product Kit for Cigna Flexible Choice Dental, Vision & Hearing

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Loyal Choice Accident

View this information as a web page.

State Availability

Last review date: 05/05/2023

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Plan Information

Cigna Loyal Choice Accident Insurance helps pay for deductibles, copays, and out-of-pocket expenses if you or a family member is injured in a covered accident.
With three policy options – Core, Preferred, and Premier – you can choose the one that best fits your needs.
* World Wide Coverage
* Premium is not dependent on age or occupation
* Guaranteed renewable for life
* No medical underwriting

•Medical Benefits include second-and-third degree burns, skin grafts, coma, concussion, dislocated joints, broken bones, and emergency dental work.
•Hospital and services include ambulance, accident emergency treatment, lacerations, accident follow-up treatment, paralysis, surgery, diagnostic imaging, hospital confinement, at-home recovery, family lodging, and meals, accidental death & dismemberment.
•Optional Riders include Accident Disability, Parent Coverage, and Health Screening Benefit; riders may vary by state.

Request a Product Kit for Cigna Loyal Choice Accident

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Cigna Documents

Explore our up to date library of tens of thousands of files from dozens of carriers, organized by state. Rate sheets, applications, underwriting guides, brochures, and more.

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Quick Links

Cigna

WellCare Producer Certification Requirements for 2023

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • WellCare’s certification for 2023 launches on Tuesday, July 12, 2022.
  • Passing AHIP does not reduce the number of WellCare test modules.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

WellCare Producer Certification Requirements for 2023

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • WellCare’s certification for 2023 launches on Tuesday, July 12, 2022.
  • Passing AHIP does not reduce the number of WellCare test modules.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

SilverScript Producer Certification Requirements for 2023

  • Details refer to certification for SilverScript. AHIP certification must be completed separately.
  • SilverScript certification for 2022 launches on Wednesday, June 29, 2022.
  • New option in 2022: No cost certification for agents who want to sell only Aetna MA/MAPD or SilverScript PDP products, exclusively.
    This new option allows you to bypass the AHIP Medicare training component and complete an alternative Aetna/SilverScript-only training instead, along with several Aetna-specific training courses (available in English and Spanish). 
  • Agents must do 3 things to be ready to sell SilverScript:
    Step #1: Contract with Aetna. This is a requirement to be eligible for commissions on plans with effective dates of 1/1/2023 and later. (Note: If you’re already contracted for Aetna MA/MAPD, you can skip this step, as there’s no additional action you need to take with your contract.)
    Step #2: Complete 2023 certification.
    Step #3: Receive a ready-to-sell notice
  • There are separate certification processes for Aetna MA/MAPD and SilverScript PDP. Completing 2023 Aetna certification does not satisfy the certification requirement for SilverScript.
  • 2023 Certs will NOT cover the remainder of 2022.
  • TAKE AHIP FIRST! If you pass AHIP first you can skip 2 of the 3 SilverScript test modules. 
  • There’s a link on Agent Portal to transmit their AHIP send scores. 
  • In Pinpoint, the direct scores to be sent upon registration for the test, Gorman, agents can use Silver Mail to upload the cert.
  • Passing score is 90%.
  • SilverScript allows 3 attempts.

SilverScript Certification Links, Guides, Phone Numbers, Emails

SilverScript Producer Certification Requirements for 2023

  • Details refer to certification for SilverScript. AHIP certification must be completed separately.
  • SilverScript certification for 2023 launches on Wednesday, June 29, 2022.
  • Agents must do 3 things to be ready to sell SilverScript:
    Step #1: Contract with Aetna. This is a requirement to be eligible for commissions on plans with effective dates of 1/1/2023 and later. (Note: If you’re already contracted for Aetna MA/MAPD, you can skip this step, as there’s no additional action you need to take with your contract.)
    Step #2: Complete 2023 certification.
    Step #3: Receive a ready-to-sell notice
  • There are separate certification processes for Aetna MA/MAPD and SilverScript PDP. Completing 2023 Aetna certification does not satisfy the certification requirement for SilverScript.
  • 2023 Certs will NOT cover the remainder of 2022.
  • TAKE AHIP FIRST! If you pass AHIP first you can skip 2 of the 3 SilverScript test modules. 
  • There’s a link on Agent Portal to transmit their AHIP send scores. 
  • In Pinpoint, the direct scores to be sent upon registration for the test, Gorman, agents can use Silver Mail to upload the cert.
  • Passing score is 90%.
  • SilverScript allows 3 attempts.

SilverScript Certification Links, Guides, Phone Numbers, Emails

Shared Health of MS Producer Certification Requirements for 2023

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • Shared Health of MS has not yet announced their 2023 certification launch date.
  • More information coming soon!

Shared Health of MS Producer Certification Requirements for 2023

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • Shared Health of MS has not yet announced their 2023 certification launch date.
  • More information coming soon!

Devoted Health Certification Requirements for 2023

  • Details refer to certification for Devoted Health. AHIP certification must be completed separately.
  • Devoted Health certification for 2023 launches on Tuesday, June 21, 2022.

Devoted Health Certification Links, Guides, Contact Info

Devoted Health Certification Requirements for 2023

  • Details refer to certification for Devoted Health. AHIP certification must be completed separately.
  • Devoted Health certification for 2023 launches on Tuesday, June 21, 2022.

Devoted Health Certification Links, Guides, Contact Info

Humana Producer Certification Requirements for 2023

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • Humana certification for 2023 launches on Tuesday, June 29, 2022.
  • This year Humana will be accepting both AHIP and NAHU.
  • 2023 Certs will cover the remainder of 2022.
  • At the conclusion of Certification & Recertification this year, all agents will be certified to sell all Humana products!

Certification Links, Guides, Phone Numbers, Emails

Humana Producer Certification Requirements for 2023

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • Humana certification for 2023 launches on Tuesday, June 29, 2022.
  • This year Humana will be accepting both AHIP and NAHU.
  • 2021 Certs will cover the remainder of 2020.
  • At the conclusion of Certification & Recertification this year, all agents will be certified to sell all Humana products!

Certification Links, Guides, Phone Numbers, Emails

Cigna Medicare Producer Certification Requirements for 2023

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Cigna Medicare certification launches Friday, July 1, 2022.
  • AHIP, Gorman or Pinpoint is required prior to certification.
  • No modules alleviated by passing AHIP or Pinpoint.
  • Passing score is 85%. You have 3 attempts.
  • Fail any module 3 times, agent will have to call the HAAL agent assistance line – 866-442-7516.
  • Agencies must log in with the agency NPN to complete attestation.
  • Face-to-face training is not required but is recommended as a supplement – especially for new agents.
  • 2022 Certs will cover the remainder of 2021.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

Cigna Medicare Producer Certification Requirements for 2023

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Cigna Medicare certification launches Friday, July 1, 2022.
  • AHIP, Gorman or Pinpoint is required prior to certification.
  • No modules alleviated by passing AHIP or Pinpoint.
  • Passing score is 85%. You have 3 attempts.
  • Fail any module 3 times, agent will have to call the HAAL agent assistance line – 866-442-7516.
  • Agencies must log in with the agency NPN to complete attestation.
  • Face-to-face training is not required but is recommended as a supplement – especially for new agents.
  • 2022 Certs will cover the remainder of 2021.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

BlueCross BlueShield of TN Producer Certification Requirements for 2023

  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
  • BlueCross BlueShield of TN’s 2023 certification launches on Tuesday, June 21, 2022.
  • More information coming soon!

BlueCross BlueShield of TN Producer Certification Requirements for 2023

  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
  • BlueCross BlueShield of TN’s 2023 certification launches on Tuesday, June 21, 2022.
  • More information coming soon!

Amerigroup Producer Certification Requirements for 2023

  • Details refer to certification for Amerigroup. AHIP certification must be completed separately.
  • Passing score is 90%.
  • 3 attempts.
  • Certifying for 2023 allows the sale of 2022 products.

Amerigroup Certification Links, Guides, Phone Numbers, Emails

Amerigroup Producer Certification Requirements for 2023

  • Details refer to certification for Amerigroup. AHIP certification must be completed separately.
  • Passing score is 90%.
  • 3 attempts.
  • Certifying for 2023 allows the sale of 2022 products.

Amerigroup Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2023

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • Aetna certification for 2023 launches on Wednesday, June 29, 2022.
  • New option in 2022: No cost certification for agents who want to sell only Aetna MA/MAPD or SilverScript PDP products, exclusively.
    This new option allows you to bypass the AHIP Medicare training component and complete an alternative Aetna/SilverScript-only training instead, along with several Aetna-specific training courses (available in English and Spanish). 
  • Passing AHIP does not reduce the number of Aetna test modules.
  • Passing score is 90% for Aetna courses and 90% for AHIP.
  • 3 attempts are allowed for Aetna courses and 90% for AHIP.
  • 2023 certs will cover the remainder of 2022.

Aetna Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2023

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • Aetna certification for 2023 launches on Wednesday, June 29, 2022.
  • Passing AHIP does not reduce the number of Aetna test modules.
  • Passing score is 90% for Aetna courses and 90% for AHIP.
  • 3 attempts are allowed for Aetna courses and 90% for AHIP.
  • 2023 certs will cover the remainder of 2022.

Aetna Certification Links, Guides, Phone Numbers, Emails