Individual insurance in Colorado

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About Cigna's Colorado Medical and Dental Plans

When it comes to the health of you and your family, it helps to know that your insurance provider is there for you when you need them. With a Colorado health insurance plan from Cigna, you can rest assured knowing that you have affordable and dependable health coverage.

Below is an overview of Cigna's Colorado health insurance plans along with links to more detailed coverage explanations. Ready to apply? Get started online today. Or, if you have questions, our customer service team is ready to help at
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Health and Dental Insurance Plan Overview

Open Access Plan

Choose the doctors you want to see in-network or out-of-network. It's up to you.

No referral required to see a specialist

Dental coverage
available

Open Access Value Plan

Same freedom of choice as Open Access plans

A lower monthly premium

A higher annual deductible and out-of-pocket maximum

Dental coverage
available

Health Savings Plan

High deductible plan allows you to use a tax-advantaged Health Savings Account (HSA) to help pay for current medical expenses or save for future ones.

Choose the doctors you want to see in-network or out-of-network. It's up to you.

No referral required to see a specialist

Dental coverage
available


Medical Plan Comparisons

Open Access Plans

Open Access Value Plans

Health Savings Plans

 

Medical Summary of Benefits

Open Access Plans

Open Access Value Plans

Health Savings Plans

 

Pharmacy

Prescription Drug List
 

Dental Summary of Benefits

Colorado Eligibility Requirements

All applicants applying for coverage must meet age, dependent status and residency requirements.

Age and Dependent Requirements:

  • Eligible applicants must be under the age of 65 on the assigned effective date
  • Children between the ages of 0 and 19 may apply for Child Only coverage during open enrollment periods or within 30 days of a qualifying event
  • Dependent children are eligible up to age 26
  • A newborn child or newly adopted child, born or adopted to an enrolled subscriber, may be added to the subscriber's plan within 31 days of the birth or adoption. Requests for enrollment beyond 31 days of the birth or adoption will be subject to the full application and medical underwriting evaluation
  • Grandchildren, foreign exchange students and foster children are NOT eligible dependents

Residency Requirements:

Non-Citizen Residence

  • Must be legal U.S. residents
  • Must reside within the U.S. for 6 consecutive months prior to applying for coverage
  • Must reside within the State of Colorado at time of application

U.S. Citizens and Expatriates

  • Citizens residing within the U.S. must reside within the state of Colorado at the time of application
  • Citizens/Expatriates who have been living and working outside the U.S. and who are in process of returning to the U.S. are eligible to apply; the requested effective date must be after their return to the U.S.

For more information about benefits, exclusions or limitations, call Cigna at
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For Brokers and Agents

CignaforBrokers.com allows our licensed and appointed brokers and agents view plan highlights, compare benefits, generate proposals, track submitted proposals, access a variety of forms, and more. Start utilizing the broker website today.

For Employers

Looking for group plans for your company? Visit the group plans pages.