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Home Knowledge CenterTopic: How Health Plans Work

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How Health Plans Work

There are many moving parts to a health plan. Here you can learn the basics⁠—from enrollment periods and explanations of benefits, to plan costs and prior authorization.

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How Health Insurance Works

Health insurance is a legal agreement between you and a health insurance company. That agreement includes...

How Dental Insurance Works

Dental insurance provides benefits that can help protect you from the high cost of dental care. Find out how they work and what they cover...

What is Prior Authorization?

Learn more about prior authorization, the process to get pre-approval, and the impact of the No Surprises Act...
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VIDEO

What’s Coinsurance and How Does It Work?

Watch this short video to learn how coinsurance, copays, and deductibles work in an individual health care plan. (Length: 00:01:46)

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VIDEO

Your Individual Deductible

This short video explains how an individual health insurance plan works and what it may cover. (Length: 00:01:44)

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This information is for educational purposes only. It is not medical advice. Always consult your doctor for appropriate examinations, treatment, testing, and care recommendations. 

What’s Coinsurance and How Does It Work?

Your Individual Deductible

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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 Cigna 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 name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna.

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