Offered by Cigna Health and Life Insurance Company
Supplemental Health Plans for better peace of mind
Financial protection for unexpected expenses due to a medical event.
Supplement your medical plan with benefits that are paid directly to you in addition to other coverage(s) you may have so you can focus on recovery, not surprise bills and other costs that come with life’s surprises.
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Accidents happen.
From car accidents to broken bones, a trip to the hospital can lead to unplanned expenses on top of your medical insurance.
We’re here for the unexpected.
A trip to the emergency room and the diagnosis can lead to hospitalization, follow up doctor visits, or physical therapy.
Coverage you didn’t know you needed.
Reduce your financial stress with your supplemental health coverage benefits are paid directly to you.
You can focus on getting well.
Use a direct cash payout to help with medical bills, continuing care, or however you choose.
Digital Experience
Manage claims effortlessly with 24/7 tracking, personalized prefilled online claim filing, and faster cash payouts via direct deposit. Giving you control and convenience when you need it the most.
Flexibility
Cash paid directly to you to use the money however you want such as medical copays and deductibles, help around the house, alternative treatments, rent, groceries and more.
Affordability
Cost-effective way to cover out-of-pocket costs beyond your medical insurance - often for less than the price of a cup of coffee each month.
Wellness benefits
Earn cash for taking healthy actions, such as getting an annual check-up or health screenings. Plus get access to mental health resources, financial coaching, and health & wellness discounts.
Digital Experience
Manage claims effortlessly with 24/7 tracking, personalized prefilled online claim filing, and faster cash payouts via direct deposit. Giving you control and convenience when you need it the most.
Flexibility
Cash paid directly to you to use the money however you want such as medical copays and deductibles, help around the house, alternative treatments, rent, groceries and more.
Affordability
Cost-effective way to cover out-of-pocket costs beyond your medical insurance - often for less than the price of a cup of coffee each month.
Wellness Benefits
Earn cash for taking healthy actions, such as getting an annual check-up or health screenings. Plus get access to mental health resources, financial coaching, and health & wellness discounts.
Accidental Injury
- Unexpected accidents can happen to anyone at any time. Even with medical coverage, higher-than-expected costs from an accident can quickly add up. These additional expenses can lead to stress and a feeling of loss of control.
- Coverage continues after the first covered accident and helps provide additional financial protection for future covered accidents.
- There are no copays, deductibles or coinsurance requirements.
- With Cigna’s Accidental Injury insurance, a payment is made directly to the covered consumer1. The cash can be used for whatever the beneficiary wishes including things like copays, groceries, meal service, childcare and more.
- The list of covered incidents is comprehensive and includes injuries such as a fractured bone, torn ligaments, concussions, eye injuries, cuts requiring stitches, ruptured discs, dislocated joints.
Critical Illness
- Unexpected critical illness can happen to anyone at any time. Even with medical coverage, higher-than-expected costs from a critical illness can quickly add up. These additional expenses can lead to stress and a feeling of loss of control.
- Critical Illness insurance plans provide additional coverage to consumers who experience a medical condition such as heart attack, stroke, or a cancer diagnosis with direct cash payments.
- Cigna Critical Illness insurance offers the flexibility to optimize your benefits offering with plans that more closely align to employee population’s needs.
- There are no copays, deductibles or coinsurance requirements.
- The consumer can use the cash for whatever they wish – and can include copays, deductibles, transportation, alternative treatments, groceries, childcare and more.
Hospital Care
- Even with medical coverage, higher-than-expected costs from a hospital stay can quickly add up. These additional expenses can lead to stress and a feeling of loss of control.
- Hospital Care insurance helps provide employees and their families with the additional financial protection they need to help cover unexpected expenses – so they can focus on getting better.
- There are no copays, deductibles or coinsurance requirements.
- Hospital Care promptly pays out an additional fixed cash benefit for hospital admissions, hospital stays, and ICU stays from covered illnesses and injuries.
- Employees can use the money for whatever they need - from deductibles and copays to alternative treatments, childcare, transportation, and everyday household expenses.
