Health Insurance 101


    Our Health Care Reform plans are designed to fit your life.


    Copays, deductibles and coinsurance all work together to help reduce your medical expenses and protect your finances.

  • Affordable Health Insurance

    If you're self-employed, an early retiree or just looking to cover yourself or your family, Cigna has plenty of plan choices.

Health Care Reform


    There's a new way to buy individual health insurance online. It's called the "Health Insurance Marketplace."


    You might qualify for financial assistance from the federal government to pay for your health insurance, starting in 2014.

Can I purchase medical coverage outside of Open Enrollment?

Outside of Open Enrollment, you may still have options for health coverage. You can change your plan or purchase insurance within 60 days of a qualifying life event, such as:

  • Lost coverage at work (or other) health coverage.
  • Gained or became a dependent through marriage, birht, adoption, or placement for adoption.
  • Insurance company made a major mistake in your insurance contract.
  • Eligibility for financial assistance has changed.
  • You moved and need to pick another plan based on the coverage area.
Who should I call for questions or if I need help completing the Cigna HealthCare Individual Plan enrollment application?

Please call Cigna at 1.866.GET.Cigna (1.866.438.2446). 8:00 am – 10:00 pm (ET), Monday – Friday.

In Arizona and Florida:  1.866.384.5799

When will my Cigna plan start?

Effective dates are assigned to the 1st of the month. You will receive written confirmation of your policy's effective date when your payment is processed.

When are my payments due?

Your initial payment is due when your application is approved. After that, Cigna will bill you monthly.

Who should I call if I have questions about a bill that I received?

For Billing and Payments call 1.877.484.5967, 8:00 am - 8:00 pm (EST), Monday through Friday.

For questions on a claim call us anytime at 1.800.Cigna24 (1.800.244.6224)

Do I need a referral to see a specialist?

No, Cigna individual plans do not require referrals.

Do I have to go to a specific pharmacy?

No, you can go to any pharmacy. However, you will experience a better value if you visit a pharmacy that is in the Cigna network or use Cigna Home Delivery Pharmacy.

Who do I call if I want to add dental insurance to my Cigna medical plan?

If you already have Cigna Individual or Family medical insurance and you wish to add Dental to your plan, simply call 1.877.484.5967.