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  • Home Individuals & Families Shop for Plans State Policy Disclosures

    Federal and State Compliance and Policy Disclosures, Exclusions, and Limitations

    Health Insurance Plans*

    Rates will vary by plan design and the plan deductible, copay, coinsurance, and out-of-pocket maximums selected. Rates vary based on age, family size, geographic location (residential zip code) and tobacco use. Rates are subject to change upon notice in accordance with applicable state law.

    Rates for new medical policies/service agreements with an effective date on or after 01/01/2024 are guaranteed through 12/31/2024. Medical rates are subject to change upon 30 days’ prior notice in TN and PA; 31 days’ prior notice in SC; 45 days’ prior notice in FL, UT; 60 days’ prior notice in IN, AZ, IL, TX, NC, GA and CO; and 75 days’ prior notice in MS and VA.

    Provider networks can vary by state and market. For the plan(s) you are interested in, view the Summary of Benefits for important market-specific provider network information.

    To see if your provider is in-network or to find a new in-network provider, visit www.cigna.com/ifp-providers.

    Major medical insurance policies/service agreement have exclusions, limitations, reduction of benefits and terms under which the policy may be continued in force or discontinued. Medical applications are accepted during the annual Open Enrollment Period, or within 60 calendar days of a qualifying life event. Benefits are provided only for those services that are medically necessary as defined in the policy/service agreement and for which the insured person has benefits.

    Form Series for Cigna Health and Life Insurance Company:

    Exclusive Provider (EPO):

    EPO:  CO: COINDEPO052023, COINDOPTIONEPO052023;   FL: FLINDEPO052023;  IN:ININDEPO052023;  MS: MSINDEPO052023; PA PAINDEPO052023; TN: TNINDEPO062023; UT: UTINDEPO062023; VA:  VAINDEPO042023 off exchange, VAINDEPO042023-HIX on exchange

    Form Series for Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc. and Cigna HealthCare of Texas, Inc.:

    HMO: AZ: INDHMOAZ01-2024;  GA: INDHMOGA01-2024;  IL: INDHMOIL01-2024, INDHMOILc01-2024; NC: INDHMONC01-2024;  SC: INDSCHMOEOC01-2024; INDHMOTX01-2024 - Consumer Choice, INDHMOTXSM01-2024 – State Mandate Plans

    The policy/service agreement may be cancelled by Cigna Healthcare due to:

    • failure to pay premium
    • fraud (in SC and VA, any act or practice that constitutes fraud)
    • ineligibility
    • when the insured no longer lives in the service area (in AZ, not applicable to a dependent child living outside the Service Area; in VA, no longer resides, lives, or works in the Service Area). Or,
    • when Cigna Healthcare ceases to offer policies/service agreements of this type or ceases to offer any plans in the individual market in the state, in accordance with applicable law.  We will notify you of the impending termination of your coverage at least 180 days prior to your cancellation.

    Any cancellation shall be without prejudice for any claim for Covered Expenses incurred before cancellation.

    You may cancel the policy/service agreement on the first of the month following our receipt of your written notice. In VA, you may cancel the policy/service agreement on the date of our receipt of your written cancellation notice, unless otherwise stated.

    Cigna Healthcare reserves the right to modify the policy/service agreement, including plan provisions, benefits and coverages, consistent with state or federal law. Policies/service agreements renew on a calendar year basis.

    Cigna Healthcare does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status in the administration of the plan, including enrollment and benefit determinations.

    No Cost Language Services. You can get an interpreter. You can get documents read to you and some sent to you in your language. For help, call us at 866.494.2111.

    Servicios de idiomas sin costo. Puede obtener un intérprete. Le pueden leer documentos y que le envíen algunos en español. Para obtener ayuda, llámenos al 866.494.2111.

    For costs, and additional details about coverage, contact Cigna Healthcare at 900 Cottage Grove Rd, Hartford, CT 06152 or call 1-866-GET-Cigna. (1-866-438-2446).

    Federal and State Compliance Disclosures and Health Insurance Plan Exclusions & Limitations (E&Ls), and State-Specific Information

    Alaska

    Arizona

    Arkansas

    California

    Colorado

    Colorado Covered Persons Demographic Data Notice [PDF]

    CO Life and Health Insurance Protection Association Notice [PDF]

    Colorado Connect Exclusions and Limitations - 2023 [PDF]

    Colorado Connect Exclusions and Limitations - 2024 [PDF]

    Access Plan

    Our Access Plans provide information on: (1) who participates in the provider network; (2) how we ensure that the network meets the health care needs of its members; (3) how the provider referral process works; (4) how care is continued if providers leave the network; (5) what steps are taken to ensure medical quality and customer satisfaction; (6) where you can go for information on other policy services and features. The Access Plan is designed to disclose all the policy information required under Colorado law, and is available for review.

    Cigna Colorado Medical Access Plan - 2023 [PDF]

    Cigna Colorado Medical Access Plan - 2024 [PDF]

    Cigna Colorado Dental Access Plan - 2023 [PDF]

    Cigna Colorado Dental Access Plan - 2024 [PDF]

    District of Columbia

    Florida

    Georgia

    Hawaii

    Illinois

    Indiana

    Iowa

    Kansas

    Louisiana

    Minnesota

    Mississippi

    Missouri

    Montana

    Nevada

    North Carolina

    North Dakota

    Ohio

    Oklahoma

    Pennsylvania

    South Carolina

    South Dakota

    Tennessee

    Texas

    Utah

    Virginia

    West Virginia

    Wyoming

    Dental Insurance Plans

    Dental Plans are insured by Cigna Health and Life Insurance Company with network management services provided by Cigna Dental Health, Inc. Rates may vary based on age, family size, geographic location (residential zip code) and plan design.

    Rates are subject to change upon 30 days’ prior notice in AK, AL, AR, AZ, CO, CT, DC, DE, HI, IA, ID, IL, IN, KS, KY, MA, ME, MI, MN, MO, MT, ND, NE, NH, NJ, NM, NY, OH, OK, OR, PA, RI, SD, TN, UT, VT, WI and WY, 31 days’ prior notice in SC, 40 days’ prior notice in MD, 45 days’ prior notice in FL, 75 days’ prior notice in MS, and 60 days’ prior notice in CA, GA, NV, TX, VA and WV. In LA rates are guaranteed for the initial 12-months of coverage, except if due to addition of a newly covered person, a change in age or geographic location, or a change in policy coverage. Thereafter, rates are subject to change upon 45 days’ prior notice. In NC, dental rates are guaranteed for a 12-month period.

    Dental plans apply waiting periods to covered basic (6-months), major (12-months) and orthodontic (12-months) dental care services. In ME, waiting periods are waived for Class II and Class III if under the age of 19. Waiting periods may vary by state. Refer to the policy or outline of coverage for details. Class IV Orthodontia waiting period cannot be waived. Dental plans do not apply waiting periods to covered preventive/diagnostic services and temporomandibular joint services in AR, NM, NV, MN and VT. Some covered services are determined by age: topical application of fluoride or sealant, space maintainers, and materials for crowns and bridges. If the plan covers replacement of teeth, there is no payment for replacement of teeth that are missing prior to coverage. In FL, LA, OH, VA and VT, payment limitation no longer applies after 12 months of continuous coverage. In NM, payment limitation no longer applies after 6 months of continuous coverage. In MD and NY, payment limitation no longer applies after 12 months of continuous coverage. In NY, Temporomandibular Joint Dysfunction will be included to the extent that it is determined that such treatment is dental in nature and such treatment is regularly covered under the listed covered services.

    Dental preferred provider insurance policies have exclusions, limitations, reduction of benefits and terms under which a policy may be continued in force or discontinued.

    Form Series for Cigna Health and Life Insurance Company:

    Cigna Dental Preventive, 1000 and 1500 plans: AL, CO, CT, DE, HI, IA, IL, MI, ND, WV and WY: HC-NOT11 et al., AK: HC-NOT53, AR: HC-NOT36 et al., AZ: INDDENTPOLAZ032017, CA: INDDENTPOLCA0713 et al., DC: HC-NOT42, et al., FL: HC-NOT15 et al., GA: INDDENPOLGA0317, ID: HC-NOT51 et al., IN: HC-NOT23, et al., KS: HC-NOT49 et al., KY: HC-NOT44, et al., LA: INDDENTPOLLA0713, MA: HC-NOT11, HC-NOT32 et al., ME: HC-NOT58, et al., MD:INDDENTPOLMD.PREV, INDDENTPOLMD.1000, INDDENTPOLMD.1500 and MDINDSADOHIPAMND10-20, MI: INDSADPOLMI.1000, INDENTPOLAMI042021.1500, INDENTPOLAMI042021.Prev, MO: INDDENTPOLMO0713, MN: INDDENTPOLMN0713, MS: HC-NOT48 et al., MT: INDDENTPOLMT0713, NC: HC-NOT18, NE HC-NOT47 et al., NH INDDENTPOLNH.1000, INDDENTPOLNH.1500, INDDENTPOLNH.PREV, NJ: HC-NOT46, et al., NM: INDDENPOLNM0322.1000 and INDDENPOLNM0322.1500, NY: INDDENTPOLNY.PREV, INDDENTPOLNY.1000, INDDENTPOLNY.1500, NV: HC-NOT39 et al., OH: INDDENTPOLOH0317, OK: HC-NOT26 et al., OR: INDDENTPOLOR0713, PA:INDDENPOLPA0917, RI: INDDENPOLRI0918., SC: HC-NOT19 et al., SD HC-NOT59 et al., TN: HC-NOT20 et al., TX: HC-NOT21 et al., UT: HC-NOT50 et al., VA: INDDENTPOLVA0317, VT HC-NOT56 et al., WA: INDDENTPOLWA0317, WI HC- NOT54 et al.)

    Cigna Dental 5000/200, 3000/150, and 3000/100 plans: AL, CO, CT, DE, HI, IA, IL, ND, PA, WV and WY: HC-NOT11 et al., AK: HC-NOT53, et al., AR: HC-NOT36 et al., AZ: INDDENPOLAZ, CA: INDDENPOLCA, DC: HC-NOT42, et al., FL: HC-NOT15 et al., GA: INDDENPOLGAv1, ID: HC-NOT51 et al., IN: HC-NOT23, et al., KS: HC-NOT49 et al., KY: HC-NOT44, et al., LA: INDDENPOLLA, MA: HC-NOT11 et al., ME: INDDENPOLME, MI: INDDENPOLMI, MO: INDDENPOLMO, MS: HC-NOT48 et al., MT: INDDENPOLMT, NC: HC-NOT18, et al., NE HC-NOT47 et al., NH: INDDENPOLNH, NM: INDDENPOLNM, NJ: HC-NOT46, et al., NV: HC-NOT39 et al., OH: INDDENPOLOH, OK: HC-NOT26 et al., RI: INDDENPOLRI, SC: INDDENPOLSC1022, SD: HC-NOT59 et al., TN: HC-NOT20 et al., TX: HC-NOT21 et al., UT: HC-NOT50 et al., VA: INDDENPOLVA, VT: HC-NOT56 et al., WI: HC-NOT54 et al.

    Cigna Dental Vision/Dental Vision Hearing: INDDVPOL[State]1021.1000, INDDVHPOL[State], 1021.2000, INDDVPOL[State]1021.2500R, INDDVHPOL[State], 1021.3500 (AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV and WY).

    The policy may be cancelled by Cigna due to failure to pay premium, fraud (in VA, any act, practice or omission that constitutes fraud), ineligibility, when the insured no longer lives in the service area, or if we cease to offer policies of this type or any individual dental plans in this state, in accordance with applicable law. You may cancel the policy, on the first of the month following our receipt of your written notice. In VA, you may cancel the policy on the date of our receipt of your written cancelation notice, unless otherwise stated. We reserve the right to modify this policy, including policy provisions, benefits and coverages, consistent with state or federal law. This individual plan is renewable monthly or quarterly.

    Dental Plan Exclusions & Limitations (E&Ls) and State-Specific Information

    Dental Pediatric Insurance Plans

    Dental Plans are insured by Cigna Health and Life Insurance Company with network management services provided by Cigna Dental Health, Inc. Rates vary based on age, number of enrolled dependents, geographic location (residential zip code), and plan design.

    These dental plans offer the full range of Essential Health Benefit Pediatric Oral Care and satisfy the requirements under the Affordable Care Act. This policy does not provide any dental benefits to individuals age nineteen (19) or older. This policy is being offered so the purchaser will have pediatric dental coverage as required by the Affordable Care Act. If you want adult dental benefits, you will need to buy a plan that has adult dental benefits. This plan will not pay for any adult dental care, so you will have to pay the full price of any care you receive.

    Dental Pediatric Plan Exclusions & Limitations (E&Ls) and State Specific Information

    Dental Family + Pediatric Insurance Plans

    Dental Plans are insured by Cigna Health and Life Insurance Company with network management services provided by Cigna Dental Health, Inc. Rates vary based on age, family size, geographic location (residential zip code), and plan design.

    These dental plans offer the full range of Essential Health Benefit Pediatric Oral Care and satisfy the requirements under the Affordable Care Act.

    Dental Family + Pediatric Plan Exclusions & Limitations (E&Ls) and State-Specific Information

    *Plans are insured by Cigna Health and Life Insurance Company or its affiliates: For Arizona residents, health plans are offered by Cigna HealthCare of Arizona, Inc. For Georgia residents, health plans are offered by Cigna HealthCare of Georgia, Inc. For Illinois residents, health plans are offered by Cigna HealthCare of Illinois, Inc. For North Carolina residents, health plans are offered by Cigna HealthCare of North Carolina, Inc.  For South Carolina residents, health plans are offered by Cigna HealthCare of South Carolina, Inc. For Texas residents, health plans are offered by Cigna HealthCare of Texas, Inc.

    In Utah, products and services provided by Cigna Health and Life Insurance Company (CHLIC), (Bloomfield, CT).

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    Product availability may vary by location and plan type and is subject to change. All health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna Healthcare representative.

    All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group Corporation, including Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North 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). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc. This website is not intended for residents of Arizona and New Mexico.

    Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna Healthcare website. Cigna Healthcare may not control the content or links of non-Cigna Healthcare websites. Details