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Cigna Contracting & Appointment

Cigna is a global health service company with a history in the insurance business that spans more than 226 years. As of 2020, Cigna-HealthSpring is now part of Cigna. 

Cigna is online at Cigna.com/medicare. They maintain a full list of social media links on their website.

These are Cigna’s current policies and state availability for 2020, as well as information on agent contracting and appointment.

Cigna's History

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. In 2011, Cigna purchased HealthSpring, which covered 180,000 members throughout the Southeast and Central United States. After the 2011 purchase, the company went by the name Cigna-HealthSpring. In July 2019, Cigna announced they would be dropping "HealthSpring" from their name. The company now goes by the name Cigna Medicare.

Today the company offers a wide variety of plans and services, including Medicare Advantage under the name Cigna Medicare, as well as cancer, heart attack, and stroke plans, life insurance, and Medicare Supplement insurance. In addition to Cigna Medicare, they also operate under the names Cigna, ARLIC, CHLIC, and Loyal American Life Insurance Company.

Accident Treatment

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Issues ages 18-74.

Guaranteed renewable to age 80.

Benefit amounts from $2,500 to $25,000 to reimburse covered expenses.

The policy provides indemnity benefits to help pay for a broad range of treatments when injured in a covered accident.

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

Benefits include Burn, coma, broken bones, surgical, ambulance, accidental death and dismemberment, family lodging and more.

Accident Expense

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Issue age from birth to 74; guaranteed renewable to age 80.

Benefit amounts from $2,500 to $25,000 to reimburse covered expenses.

Provides benefits for incurred expenses when a covered accident occurs with Accidental Death and Dismemberment Benefits included for no additional premium.

Declining Deductible Benefit, Parent Benefit, and more riders are available.

Cancer Treatment

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Issue ages 18-99; guaranteed renewable for life.

Designed to provide fixed benefits to help pay for a broad range of cancer treatments, care, and associated costs.

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

Benefits include Radiation, bone marrow transplant, chemotherapy, reconstructive surgery, experimental treatments and more. 

Flexible Choice Cancer

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Issue ages 18-99; guaranteed renewable for life.

Benefits amounts from $5,000 to $100,000 may vary by state. Optional riders are available to increase benefits.

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

No tobacco questions on the application.

Flexible Choice Heart Attack and Stroke

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Issue ages 18-99; guaranteed renewable for life.

Benefits amounts from $5,000 to $100,000 may vary by state. Optional riders are available to increase benefits.

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.

No tobacco questions on the application.

Flexible Choice Hospital Indemnity

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Issue Ages: 50 – 85

Cigna’s Flexible Choice Hospital Indemnity plan offers 3 options. Household discounts may apply.

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

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

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

Medicare Advantage

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  • $0 premium plans available
  • Comprehensive coverage
  • HMO, PPO, SNP plans available

Cigna Medicare (formerly Cigna-HealthSpring) offers Medicare Advantage health care plans that provide comprehensive benefits, including coverage for medications and all medically necessary services. 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.

Cigna Medicare currently offers HMO, HMO-POS, PPO, and Special Needs Plans (SNPs).

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. 

Other Medicare/Medicaid Plans offered in specific regions are Texas Medicare-Medicaid Plan and Texas Medicaid STAR+PLUS. For the residents of Texas, Cigna Medicare offers people eligible for Medicare and Medicaid all their benefits in one plan. Cigna Medicare works with the State of Texas to help individuals and families get health coverage in the Texas Medicaid STAR+PLUS Program by providing eligible enrollees with a wide range of quality health care services. 

Medicare Supplement

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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.

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.

Electronic Application ~ no “wet” signature is an option. 

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Cigna Appointment & Contracting