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Cigna Health Insurance Review

Cigna provides a number of different health insurance plans for its shoppers.

Dental Insurance

Let us face it: no one wants to go to the dentist. It is just not a fun thing to do. Nevertheless, it’s a necessary part of life, and more and more studies are emerging that prove dental care can have far-reaching impacts on your overall health. While most U.S. residents are not sure if they can afford dental coverage, Cigna makes it easy to add dental coverage to your pre-existing healthcare plans.

Supplemental Insurance

There’s no such thing as the “perfect” healthcare insurance coverage. The majority of healthcare plans are intended to cover the most common worries, but they cannot possibly protect against all eventualities. If you are worried about specific types of illness—cancer, heart disease, etc.—you can buy supplemental insurance to help pay expenses that your primary health insurance might not cover.

Health Insurance

With the Affordable Care Act in jeopardy and many proposed alternatives, it can be scary to think about healthcare. Nevertheless, Cigna offers you options for as much or as little coverage as you need. At the moment, Cigna offers health insurance plans through Healthcare.gov, and you may qualify for federal financial aid if you are not able to pay the full price of the healthcare plans.

Medicare

Medicare is confusing at the best of times, but we will simplify it for you. Medicare Part A is “hospital insurance” and covers hospitalization costs, hospice care, and other related expenses. Medicare Part B is “medical insurance” and covers the costs of medical services, items, and preventative services. Lastly, Medicare Part C is the “Medicare advantage plan” and helps cover prescription drugs’ costs.

International Individual Coverage

Since Cigna is an international company, it can offer healthcare for you and your family if you have to travel internationally for work. This healthcare is applicable even if you have to live in another nation. Living abroad as an expatriate can carry higher healthcare costs, especially if you have to be flown back to the United States for emergency treatment.

Choosing Cigna Insurance Plans

Cigna provides a broad range of information to help you make the right decision concerning your healthcare; nevertheless, the downside is that Cigna currently only offers medical plans for twelve states.

What are Kinds of Plans Offered?

Cigna provides a variety of health insurance types, as well as dental, vision, life, and other types of insurance.

What Is Covered by the Coverage?

The specific coverage you receive will depend on the plan. For instance, a healthcare policy with low premiums may have a higher out of pocket deductible that must be met before the insurance offers coverage.

What Are the Plans Offered?

Cigna provides both individual and family health insurance plans, as well as dental insurance, life insurance, and supplemental insurance. There are also other products offered like Lump Sum Cancer Insurance.

What Are the Rates of the Plans Offered?

The rates for these plans will differ based on your unique situation. For instance, smokers and others considered high-risk would have higher premiums than those that are healthy and in shape. Pre-existing conditions also affect these plans’ rates, as do location, age, gender, and a host of other considerations.

How Do I Know Which Plan Is the Best Fit for Me?

Take an assessment of your current health needs, your family’s medical history, and any other considerations. Find a plan that will provide you with the coverage you need; for instance, if you require expensive medicine each month, a plan with pharmaceutical coverage is a must.

What Is Cigna’s Medicare Supplemental Insurance Policy?

Cigna’s supplemental insurance plan offers coverage for unexpected but possible situations, like cancer or another form of serious illness. The idea behind the plans is that families should not worry about financial woes when their health and well-being should take center stage.

Call for your Quote Today

Stop waiting around! The right insurance provider is out there and we’re going to make sure you’re covered for the foreseeable future. Accidents can happen any time whether it’s day, night, workdays, or holidays. Insurance is the best way to prepare for the unpredictable, and a great way to secure your peace of mind. Give us a call today or fill out the form for a quote – you’ll be glad you did!

References and Resources

• Medicare Part A Coverage
• Supplemental Health Insurance Plans