Cigna Supplemental InsuranceIf you have Cigna health insurance and are worried about emergency coverage, supplemental insurance is a great way to give you peace of mind. While many people don’t think about it until something terrible happens, coverage beyond what your preliminary plan offers can be precious and ensure you’re not left without the treatment you need when you have an unexpected accident or illness. Here are the top five reasons to get Cigna supplemental insurance today!
How can I be left without coverage?
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Don’t be left without coverage. With Cigna health insurance, you have the opportunity to enroll for benefits today and not worry about what will happen if your condition worsens tomorrow. At Cigna, we are proud to be one of the most trusted names in supplemental insurance. We provide up to $3 million in additional coverage annually with no lifetime limits or exclusions for pre-existing conditions. This is why we offer a range of products that is second to none.
What kinds of medical bills does it cover?
If you want supplemental insurance, Cigna Health Insurance is one of the more well-known companies on the market. It covers various health bills such as prescription drugs, lab fees, immunizations, etc.
You may have to cover a certain amount per incident for labs or hospital treatments under this plan. You will also be required to pay any applicable deductibles, but it’s 100% covered after that! Coverage is guaranteed for those with pre-existing conditions as long as you purchase your policy within 63 days of being diagnosed.
Why is this coverage better than other options?
It’s not uncommon for people to need help with their health. This is why Cigna offers supplemental insurance to fill in coverage gaps and help you achieve your wellness goals. This coverage comes at a lower price than an employer-sponsored plan, making it the ideal choice for freelancers, the self-employed, or those who can’t afford a traditional one.
We also offer customizable plans tailored to meet your needs so that you have all the protection you need during this time in your life.
When should I consider purchasing supplemental insurance?
Some supplemental insurance policies can help pay for things that your primary health insurance won’t cover. As with any other financial investment, evaluating your current health insurance coverage and any known medical conditions you may have when considering how much supplemental coverage to purchase is essential. You should also consider how often you’ll need the care a particular policy provides and the reimbursement amount for that care to decide which approach is best for you.
What are my payment options?
Making payments has never been easier with Cigna. Payments can be made online or over the phone by calling 1-800-222-4633 (individuals) or 1-800-225-8727 (employers). Setting up automatic monthly payments from your bank account or credit card is easy, which helps avoid worrying about missing a payment.
Where can I learn more about the plan details?
The Cigna supplemental insurance plan offers coverage for major medical expenses that your health care coverage might not cover. With this plan, you can choose the coverage level you want and which health services will be included or excluded. One of the benefits of this plan is that it helps provide extra protection to help cover things like copayments, coinsurance, and deductibles. Different options are available depending on your needs-the Traditional Plan offers broad coverage, while the Basic Plan has a more limited list of what’s covered. In addition, if you’re enrolled in other company-sponsored health plans such as Blue Cross/Blue Shield PPO, Aetna PPO, and others, you may qualify for a discount on the cost of this plan.
Health insurance can be confusing, so we’re here to help you understand what your plan covers. To learn more about Cigna HealthCare plans or Cigna supplemental insurance, call us at 1-888-367-8484 and talk to one of our licensed agents. You can also get the information you need on our website. Type in Cigna into your browser’s search bar, and it will take you to a comprehensive overview of all Cigna has to offer. We hope this blog post has helped answer some questions for you.