National Contracting Center

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:

  • All markets now have  $0 plan available
  • Dental benefits on ALL plans
  • Supplemental dental, vision, hearing, meals, and fitness on ALL plans
  • 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

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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.

To view our Agent Docs Library, you'll need to either login or register for a free account:

Quick Links

Clover Health Certification Requirements for 2024

  • Details refer to certification for Clover Health. AHIP certification must be completed separately.

Clover Health Certification Links, Guides, Phone Numbers, Emails

Clover Health Certification Requirements for 2024

  • Details refer to certification for Clover Health. AHIP certification must be completed separately.

Clover Health Certification Links, Guides, Phone Numbers, Emails

Zing Health and Lasso Healthcare Certification Requirements for 2024

  • Details refer to certification for Zing Health and Lasso Healthcare. AHIP or NABIP certification must be completed separately.

Zing Health and Lasso Healthcare Certification Links, Guides, Phone Numbers, Emails

Zing Health and Lasso Healthcare Certification Requirements for 2024

  • Details refer to certification for Zing Health and Lasso Healthcare. AHIP or NABIP certification must be completed separately.

Zing Health and Lasso Healthcare Certification Links, Guides, Phone Numbers, Emails

Medicare Sales Training Guide

This comprehensive 64-page guide covers senior insurance sales from all angles, from licensing to sales.

“Medicare 101” details coverage types, benefits, eligibility requirements & more!

WellCare Producer Certification Requirements for 2024

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

WellCare Producer Certification Requirements for 2024

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

SilverScript Producer Certification Requirements for 2024

  • Details refer to certification for SilverScript. AHIP certification must be completed separately.
  • There are separate certification processes for Aetna MA/MAPD and SilverScript PDP. Completing 2024 Aetna certification does not satisfy the certification requirement for SilverScript.
  • Passing score is 90%.
  • SilverScript allows 3 attempts.

SilverScript Certification Links, Guides, Phone Numbers, Emails

SilverScript Producer Certification Requirements for 2024

  • Details refer to certification for SilverScript. AHIP certification must be completed separately.
  • There are separate certification processes for Aetna MA/MAPD and SilverScript PDP. Completing 2024 Aetna certification does not satisfy the certification requirement for SilverScript.
  • Passing score is 90%.
  • SilverScript allows 3 attempts.

SilverScript Certification Links, Guides, Phone Numbers, Emails

Shared Health of MS Producer Certification Requirements for 2024

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • More information coming soon!

Shared Health of MS Producer Certification Requirements for 2024

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • More information coming soon!

Devoted Health Certification Requirements for 2024

  • Details refer to certification for Devoted Health. AHIP certification must be completed separately.

Devoted Health Certification Links, Guides, Contact Info

Devoted Health Certification Requirements for 2024

  • Details refer to certification for Devoted Health. AHIP certification must be completed separately.

Devoted Health Certification Links, Guides, Contact Info

Humana Producer Certification Requirements for 2024

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • English Cert/Recert is now open.
  • To access this training you will login at www.Humana.com, then click on the “Get Certified/Recertify” button from the Humana Vantage home page.

  • If you have completed the Humana PY23 Certification and are currently certified to sell Humana Medicare products, the deadline will be 5:00 pm Eastern on Thursday, November 30, 2023, to complete the PY24 Recertification.

  • Spanish Cert/Recert will be launching later in the summer. More information coming soon.

Certification Links, Guides, Phone Numbers, Emails

Humana Producer Certification Requirements for 2024

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • English Cert/Recert is now open.
  • To access this training you will login at www.Humana.com, then click on the “Get Certified/Recertify” button from the Humana Vantage home page.

  • If you have completed the Humana PY23 Certification and are currently certified to sell Humana Medicare products, the deadline will be 5:00 pm Eastern on Thursday, November 30, 2023, to complete the PY24 Recertification.

  • Spanish Cert/Recert will be launching later in the summer. More information coming soon.

Certification Links, Guides, Phone Numbers, Emails

Cigna Medicare Producer Certification Requirements for 2024

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Passing score is 85%. You have 3 attempts.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

Cigna Medicare Producer Certification Requirements for 2024

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Passing score is 85%. You have 3 attempts.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

BlueCross BlueShield of TN Producer Certification Requirements for 2024

  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
  • More information coming soon!

BlueCross BlueShield of TN Producer Certification Requirements for 2024

  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
  • More information coming soon!

Amerigroup Producer Certification Requirements for 2024

  • Details refer to certification for Amerigroup. AHIP certification must be completed separately.
  • Passing score is 90%.
  • 3 attempts.

Amerigroup Certification Links, Guides, Phone Numbers, Emails

Amerigroup Producer Certification Requirements for 2024

  • Details refer to certification for Amerigroup. AHIP certification must be completed separately.
  • Passing score is 90%.
  • 3 attempts.

Amerigroup Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2024

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • The 2024 Individual Medicare Producer Certification for MA, MAPD, PDP and SNP launches on Wednesday, June 28, 2023

          Aetna Medicare will offer two certification options:

  • Aetna Medicare Compliance Training: Certifies producers to sell Aetna only (AHIP alternative)
  • AHIP Medicare Training: Certifies producers to sell for mulitiple carriers, including Aetna. 

 

Aetna Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2024

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • The 2024 Individual Medicare Producer Certification for MA, MAPD, PDP and SNP launches on Wednesday, June 28, 2023

          Aetna Medicare will offer two certification options:

  • Aetna Medicare Compliance Training: Certifies producers to sell Aetna only (AHIP alternative)
  • AHIP Medicare Training: Certifies producers to sell for mulitiple carriers, including Aetna. 

Aetna Certification Links, Guides, Phone Numbers, Emails