Plan Documents for Individual and Family Plans

Plans insured by Cigna Health and Life Insurance Company

Important Plan Documents

Choosing your health insurance is an important decision. To help you understand your plan choice, we have made plan-related documents available here.

As of your new policy effective date, you can access the Summary of Benefits and Coverage (SBC) online by logging into your account on A paper copy is also available, free of charge, by calling toll-free 1 (866) 494-2111.

Summary of Benefits and Coverage (SBC)

This document summarizes important information about each medical plan in a standard format, including the deductible, out-of-pocket maximum and coinsurance level.

Policy/Service Agreements and Amendments

These are policy/service agreement documents specific only to the coverage represented in the actual medical document. Any other benefit or coverage representation will not be considered actual medical benefits provided by the plan.

Outlines of Coverage

Some states require an Outline of Coverage (OOC) document, which provides a brief description of the important features of your medical or dental plan.

Transparency in Coverage

Review an outline of important medical and dental coverage information that can help make insurance easy to understand.