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Brokers Selling Cigna Healthcare Individual and Family Plans
We make it easy to take care of your clients, so you can take care of your business.
Cigna Healthcare Brokers
Easily manage your business with the Cigna for Brokers portal.
Affordable Health Insurance Options
When you sell Cigna HealthcareSM Individual and Family Health Plans, you’re helping to bring affordable, quality care options to every customer.
We keep costs down and satisfaction up by partnering with leading medical and dental providers to deliver quality, affordable health care.
As a broker for Cigna Healthcare Individual and Family Plans, you’ll get:
- Competitive commissions paid on-time and twice per month
- An 8 am - 8 pm broker support line
- A portfolio of products featuring the well-known Cigna Healthcare brand, making it easy to attract customers and sell
- The confidence knowing you’re working with a company who always puts its customers first
- Consistent presence of Cigna Healthcare on the ACA marketplace
Individual and Family Health Care Plans
Our medical plans are available for 2024 in AZ, CO, FL, GA, IN, IL, MS, NC, PA, SC, TN, TX, UT, and VA. View as a complete list of serviced counties [PDF]
Features of Our Medical Plans
- ACA compliance
- $0 dedicated virtual urgent care1
- $0 preventive care2
- The ability to earn up to $325 in points that can be redeemed for a debit card or merchandise through our Cigna Take Control Rewards® program3
- No referrals needed for specialist visits (except in Illinois)
- 24/7 physician, nurse, and customer service access
- Cost estimator tool that compares out-of-pocket costs across providers
- Discounts on products and programs you already use through the Healthy Rewards® program4
- Access to benefit information anytime, anywhere with myCigna® website or app
Why offer your clients Cigna Healthcare Individual and Family Plans?
With $0 dedicated virtual urgent care,1 $0 preventive care visits,5 $3 or less for generic prescription drugs for most plans,6 and access to our Patient Assurance Program, the plans and programs at Cigna Healthcare make it easy to get affordable, quality care.
24/7 Virtual Care
Members have access to MDLIVE® primary care physician, virtual dermatology, and virtual behavioral health networks for routine visits 24/7, as well as $0 dedicated virtual urgent care and $0 virtual wellness screenings.1
Guided Customer Care
Get help from personalized health coaches to manage specific conditions like diabetes. My Personal Champion® can assist with navigating the health care system during a critical situation. Or, speak to specialty pharmacists at our Therapeutic Resource Centers®.
Personalized Digital Tools
The myCigna® website and mobile app7 can help find quality in-network providers, order and refill prescriptions, pay claims, and more. Your clients also get data-driven customized alerts for health coaching, specialized care, and cost savings.
Rewards and Discounts
Customers over 18 can earn up to $325 in points that can be redeemed for a debit card or merchandise through our Cigna Take Control Rewards® program.8 Enjoy additional benefits with our Cigna Healthy Rewards® discount program.
24/7/365 Customer Service
Have a question about a plan? Need help finding an in-network doctor? With Cigna Healthcare, your clients can call any time for help with using their plan or navigating their benefits. Plus, if they have a health question, they can speak to a licensed clinician 24 hours a day.
Individual and Family Dental Plans
Our affordable dental coverage solutions are available in all 50 states and include plans paired with vision and hearing benefits.
Features of Our Dental Plans
- Guaranteed issue (the policyholder is eligible for coverage at any age)
- Credit for prior coverage can eliminate waiting periods for those eligible
- Freedom to choose the plan with benefits that suit your needs
- No waiting period for preventive services9,10
- A 15% premium discount may apply, on select plans, to any additional eligible dependents added to their plan
- Access to dental providers through either of the DPPO networks
FOR AGENT/BROKER USE ONLY. DO NOT DISTRIBUTE.
1 $0 virtual care (no cost share) for eligible preventive care and Dedicated Virtual Urgent Care for minor acute medical conditions. Not available for all plans. HSA plans and non-minor acute medical care may apply a copay, coinsurance or deductible. Cigna Healthcare provides access to Dedicated Virtual Care through a national telehealth provider, MDLive located on myCigna, as part of your health plan. Providers are solely responsible for any treatment provided to their patients.
Virtual primary care through MDLIVE is only available for Cigna Healthcare medical members aged 18 and older.
Virtual dermatological visits through MDLIVE are completed via asynchronous messaging. Diagnoses requiring testing cannot be confirmed. Customers will be referred to seek in-person care.
For legacy clients that have a non-zero preventive care benefit, customers’ preventive benefit will be applied when receiving a virtual wellness screening.
2 Availability of $0 preventive care (no cost share) by plan may vary. Includes eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Reference plan documents for a list of covered and non-covered preventive care services.
3 Cigna Take Control Rewards Program is available in all states to all primary subscribers that are active Cigna medical Individual and Family Plan policy holders and who are 18 years of age or older. All rewards may be considered taxable income. Contact your personal tax advisor for details. Program participation along with redeeming rewards is dependent on qualifying premiums being current and fully paid.
4 Healthy Rewards is a discount program, separate from your medical benefits. This program is in addition to, not instead of, your plan benefits. A discount program is NOT insurance, and you must pay the entire discounted charge. Some Healthy Rewards programs are not available in all states and programs may be discontinued at any time. Participating providers are independent contractors solely responsible for any care or services provided.
5 Availability of $0 preventive care (no cost share) by plan may vary. Includes eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Reference plan documents for a list of covered and non-covered preventive care services.
6 Health benefit plans may be different, but in general to be eligible for coverage a drug must be approved by the Food and Drug Administration (FDA), prescribed by a health care professional, purchased from a licensed pharmacy, and be medically necessary. If your plan provides coverage for certain prescription drugs with no cost-share, you may have to use an in-network pharmacy to fill the prescription. If you use a pharmacy that does not participate in your plan’s network, your prescription may not be covered or reimbursement may be limited by your plan’s copayment, coinsurance, or deductible requirements. Look at your plan documents for more information about your plan’s prescription drug coverage.
7 The downloading and use of the myCigna Mobile App is subject to the terms and conditions of the App and the online store from which it is downloaded. Standard mobile phone carrier and data usage charges apply.
8 The Cigna Take Control Rewards program is available in all states to all primary subscribers who are active Cigna HealthCare medical Individual and Family Plan policy-holders and who are 18 years of age or older. All rewards may be considered taxable income. Contact your personal tax advisor for details. Program participation along with reward redemption is dependent on qualifying premiums being current and fully paid.
9 Waiting periods may apply to restorative and orthodontia services, except in RI and may vary by state. See plan details.
10 Waiting periods may vary by state. See Outline of Coverage for more details about waiting periods. Dental waiting period waived for members with proof of prior similar dental insurance coverage elsewhere for ≥12 months and ending no more than 63 days prior to plan effective date.
11 Pharmacy coverage is only available with medical plans administered by Cigna Healthcare.
In Utah, products and services provided by Cigna Health and Life Insurance Company (CHLIC), (Bloomfield, CT).
All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Loyal American Life Insurance Company. The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.
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The Cigna Group Information
Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna Healthcare.
All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna Healthcare sales representative. This website is not intended for residents of New Mexico.