2020 Open Enrollment for Individual and Family plans starts in
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Special Enrollment Period
If you missed Open Enrollment for the 2019 plan year but recently had a “qualifying life event” such as loss of coverage, moving, or a new baby, check if you qualify for a Special Enrollment Period.
If you qualify, you have 60 days from the time of the event to make changes to your health plan, or browse the 2019 health plans and apply.
Access quality care and savings
4 out of 5 people qualify for federal premium subsidies to lower their monthly premium cost.*
Many Cigna health plans have copays for doctor visits before you meet your deductible. This means you can see an in-network doctor without paying the entire cost of the visit out-of-pocket.
Save time and money getting treated over the phone instead of travelling to a doctor’s appointment.1
We’ll help you stay healthy with discounts on gym memberships and vision care.2 Learn about this program
Pay nothing additional for most preventive care, which includes your annual check-up, flu shot, some prescription drugs used for preventive care, and health screenings.3
Avoid surprise costs by estimating treatment expenses and finding lower cost alternatives such as in-network urgent care centers. Explore our Provider Directory
Using your plan
We’ll help you get the most out of your plan, so you can live a heathier life.
myCigna
Easily access your benefits on the go with the myCigna® website and mobile app. Search providers covered under your plan, estimate procedure costs, view claims and coverage, and more.
24/7/365 customer service
We’re here to help any time, day or night – online or over the phone.
Dental Insurance
A healthy mouth is a sign of good overall health. Cigna’s flexible, affordable dental insurance plans can be purchased year round and help keep you smiling.
Prescription Drug Benefits
All Cigna health plans include coverage for preventive medications. And some preventive medicines, such as statins to help control cholesterol, are covered at 100%, or no cost-share ($0) to you. Plus, you can use our Home Delivery PharmacySM service to have your medications delivered right to your door.
Award-Winning Network Providers
Our Provider Directory features health care providers nationally recognized for excellence in their field, as well as hospitals recognized as Centers of Excellence.
Cigna Individual and Family Health Insurance Information
Summary of Benefits and Coverage and important state policy disclosures.
2019 Cigna health insurance plan information
Policy/Service Agreement documents
Individual Health Insurance FAQs
Other types of insurance we offer
Learn about health insurance costs
There’s a lot to keep in mind when you’re shopping for health insurance. These videos and articles can help you make sense of it all.
1 Telehealth providers participating in the Cigna Telehealth Connection program are independent contractors and separate from Plan network providers. Not all providers have video chat capabilities. Video chat is not available in all areas. PCP referral is not required. Refer to plan documents for a complete description of covered services, including other telehealth/telemedicine benefits. Program availability may vary by location and plan type. See vendor sites for details.
2 These programs are separate from your medical benefits. A discount program is NOT insurance, and you must pay the entire discounted charge. Some 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.
3 Includes eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Please see your plan documents for a list of covered and non-covered preventive care services.
* Early 2018 Effectuated Enrollment Snapshot, July 2 2018. https://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/Downloads/2018-07-02-Trends-Report-1.pdf
** Telehealth benefits vary by state. For Cigna IFP medical plans with a copay: $0 copay in TN; $10 or less copay in CO, VA; $25 or less copay in IL; $30 or less copay in MO; $40 or less copay in AZ, NC. For plans subject to deductible/coinsurance, the plan deductible must be met first. Refer to plan documents for details.