Policy Disclosures for California

Rates will vary by plan design including the amount of plan deductibles, coinsurance, and out-of-pocket maximums. Rates may vary based on age, geographic location, and the plan and plan deductible selected.

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. Except for the initial guarantee for medical rates, all rates are subject to change upon 60 days notice.

These rates are the Cigna standard rates. Enrollment in a Cigna Open Access, Open Access Value or Health Savings Plan is subject to medical underwriting guidelines established by the health plan, 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). 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.

This medical insurance policy (CAIND2012) and dental insurance policy (DENINDCA082010) have exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. For costs and additional details about coverage, contact Connecticut General Life Insurance Company at 900 Cottage Grove Road, Bloomfield, CT 06002 or call .