Skip to main navigation Skip to main content Skip to footer
  • For Medicare
  • For Providers
  • For Brokers
  • For Employers
  • Search
    Search
    Español
  • For Individuals & Families:
  • For Individuals & Families:
  • Shop for Plans

    Shop for Plans

    • Plans through your employer
    • Learn about the medical, dental, pharmacy, behavioral, and voluntary benefits your employer may offer.
    • Explore coverage through work
  • Log in to myCigna
  • Log in to myCigna
  • Shop for Plans

    Shop for Plans

  • Member Guide
  • Find a Doctor
  • Home Individuals & Families Shop for Plans Supplemental Health Insurance

    Insured by Loyal American Life Insurance Company

    Supplemental Insurance Policies

    Cash to help pay expenses not covered by your primary health insurance. Policies start at around $10/month.

    Shop and compare plans now

    Or call:

    8 am - 8 pm ET, 7 days a week

    Shop plans now

    Why choose supplemental insurance?

    Your primary health insurance may not cover all expenses

    Supplemental insurance policies can help you pay for out-of-pocket medical expenses such as copays and deductibles when a serious illness or accident happens.

    Household expenses don’t stop for an accident or illness

    Supplemental policies pay benefits directly to you, unless otherwise assigned, to help with everyday expenses such as utility bills, groceries, and childcare.

    More cost-effective than you may think

    For a monthly premium around $1 per day in most cases, these policies can help provide peace of mind when the unexpected occurs.

    Types of supplemental health insurance we offer

    Lump Sum Heart Attack and Stroke Insurance

    Cost: around $19/month

    • Covers qualifying events such as heart attack, stroke, or other heart-related surgery
    • Up to $75,000 cash benefit* to help pay out-of-pocket medical or household expenses1
    • Available to ages 18-99
    Shop Now See all product details

    Lump Sum Cancer Insurance

    Cost: around $19/month

    • Cash benefit can help cover expenses after a cancer diagnosis
    • Use the cash to help pay out-of-pocket medical or even household1 expenses
    • Available to ages 18-99 (including dependents)
    Shop Now See all product details

    Cancer Treatment Insurance

    Cost: around $18/month

    • Cash benefit to help cover expenses due to cancer treatment
    • Use the cash to help pay for treatments, care, and other associated costs1
    • Available to ages 18-99
    Shop Now See all product details

    Hospital Indemnity Insurance

    Cost: around $10/month

    • Pays a fixed benefit dollar amount following a covered hospitalization
    • Use the cash to help pay out-of-pocket medical or household expenses
    • Available to ages 50-85
    Shop Now See all product details

    Accident Treatment Insurance

    Cost: around $15/month

    • Helps pay costs for covered accidental injuries, treatment, and related costs
    • Choose from three flexible benefit levels
    • Cash is paid directly to you. Benefits may be paid directly to the hospital upon assignment.
    • Available to ages 18-74
    See all product details

    Whole Life Insurance

    Cost: around $28/month

    • Helps pay for final expenses due to accidental death or illness
    • Cash benefit to be used on your behalf
    • Guaranteed premiums that will not increase2
    • Available to ages 50-85
    See all product details

    When can you buy Supplemental Insurance?

    • When the health coverage you may get through an employer doesn't include supplemental insurance options—you can buy your own.
    • When you have to buy health coverage on your own and want to add a supplemental policy.
    • If you have a Medicare Supplement plan and want to add a supplemental policy.
    • You can buy supplemental insurance policies at any time of the year. Shop our policies online, anytime.

    Often bought together

  • Dental 1000
  • Medicare Supplement Plan G
  • State Policy Disclosures, Exclusions, Limitations, and Reductions

    Premium estimates based on the following criteria:

    • Lump Sum Heart Attack and Stroke Insurance premium based on the individual rate for a 40 year old in Alabama with a $20,000 benefit amount. Individual rates will vary based on your state, age at time of issue, coverage type and the benefit amount you select. Rates are subject to change.*
    • Lump Sum Cancer Insurance premium based on the individual rate for a 40 year old in Alabama with a $20,000 benefit amount. Individual rates will vary based on your state, age at time of issue, coverage type and the benefit amount you select. Rates are subject to change.*
    • Cancer Treatment Insurance premium based on the individual rate for a person in Alabama, between the ages of 40-44, with a $500/day hospitalization benefit (5 units of coverage). Individual rates will vary based on your state, age at time of issue, coverage type and the benefit option you select. Rates are subject to change.*
    • Hospital Indemnity premium based on the individual rate for a 65-year-old in Alabama with a 6 day, $100 hospital confinement benefit. Individual rates will vary based on your state, age at time of issue, coverage type, and the benefit amount you select. Rates are subject to change.
    • Accident Treatment Insurance premium shown is based on individual coverage in Alabama with the Basic Plan option, Class 2. Individual rates will vary based on your state, age at time of issue, coverage type and the benefit amount you select. Rates are subject to change.sup>*
    • Whole Life Insurance premium based on the Level Benefit Plan individual rate for a female non-tobacco user in Alabama, age 55, with a $10,000 benefit amount. Individual rates will vary based on your state, age at time of issue, sex, tobacco status and the benefit amount you select. Rates are subject to change.* Unisex rates apply to Montana only.

    Rates are illustrative only. Please do not submit money. You must first obtain an application to obtain any coverage.

    1 Benefits received in excess of medical expenses may be considered taxable income. Consult your tax advisor.

    2 Your policy cannot be terminated for any reason other than non-payment of premium or material misrepresentation in the application for insurance.

    * Benefit amounts, issue ages and rates vary by state; please contact your broker or Cigna HealthcareSM representative for details.

    THESE POLICIES PAY LIMITED BENEFITS ONLY. THEY DO NOT CONSTITUTE COMPREHESIVE HEALTH INSURANCE COVERAGE AND ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMIUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE. THE LUMP SUM CANCER AND CANCER TREATMENT POLICIES ARE CANCER ONLY POLICIES.

    This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Full terms and conditions of coverage are defined by and governed by an issued policy. Please refer to the policy for the full terms and conditions of coverage.

    This is a solicitation for insurance. An insurance agent/producer may contact you. Product availability varies by state. These policies contain exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For cost and complete details of coverage, contact your insurance agent/producer or the company. Cancer Treatment, Lump Sum Cancer, Lump Sum Heart Attack and Stroke and Individual Whole Life Insurance Policies are insured by Loyal American Life Insurance Company.

    Lump Sum Heart Attack and Stroke policy is not available in: ID, MA, NY, or VA.

    Lump Sum Cancer policy is not available in: ID, NY, VA or WY.

    Cancer Treatment policy is not available in: ID, MA, MN, NH, NJ, NY, UT, or WY.

    Hospital Indemnity policy is not available in: CA, CT, ID, NH, or NY.

    Whole Life policy is not available in: FL or NY.

    Accident Treatment policy is not available in: ID, NH, NY, or VA.

    All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group Corporation, 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.

    This page is not intended for residents of ID, NM, and OR.