Rates will vary by plan design including the amount of plan deductibles, coinsurance, and out-of-pocket maximums selected. Rates may vary based on age, geographic location, and gender (not applicable in CA and CO).
Rates for new medical policies with an effective date of 1/1/2013 and later are guaranteed through 12/31/2013. Dental rates do not have an initial rate guarantee. Eligibility for medical and dental rates is based upon residential zip code. After the initial guarantee for medical rates, rates are subject to change upon 30 days notice in AZ (for policies insured by Connecticut General Life Insurance Company), CO, CT, and TN, 31 days notice in SC, 45 days notice in FL and NC, and 60 days notice in AZ (for individuals enrolled in Cigna HealthCare of Arizona, Inc.), CA, GA, and TX.
These rates are the Cigna standard rates. Enrollment in a Cigna Open Access, Open Access Value (not offered in CT and SC) or Health Savings plan is subject to medical underwriting guidelines established by the health insurer, and your rate may vary based upon tobacco usage and the results of the medical underwriting risk assessment process. You may be declined coverage because of a health condition (this does not apply to Child-only policies in CA, CO, and GA). If you are issued a policy, and are 19 years of age or older, certain medical conditions may not be covered for a specified length of time if those conditions are related to a medical condition that existed prior to the date of coverage. Waiting periods apply to basic (6 months) and major (12 months) covered dental care services.
These major medical insurance policies (CAIND2012, COIND0412, CTIND022012, FLIND022012, INDGA022012, NCIND042011, SCIND022012, TNIND022012, INDTX032012) and dental insurance policies (DENINDCA082010, DENINDCO082010, DENINDCT082010, DENINDFL082010, DENINDGA082010, DENINDNC082010, DENINDSC082010, DENINDTN082010, DENINDTX082010) have exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. Benefits are provided only for those services that are medically necessary as defined in the policy and for which the insured person has benefits. For costs, and additional details about coverage, contact Connecticut General Life Insurance Company at 900 Cottage Grove Rd, Hartford, CT 06152 or call 1-866-GET-Cigna. (1-866-438-2446).