If you’re sick or hurt, Cigna pays benefits directly to you—not the hospital or doctor—to help with your expenses. It’s your decision how to use the cash—use it to help pay for rent, childcare, or groceries.
With most plans:
Employees will be able to enroll in the Cigna voluntary plans using the Enroll in Benefits link.
(Guaranteed issue) Provides a single cash benefit to you if you are diagnosed or treated for critical illness events. The benefit is triggered by a covered serious health condition such as heart attack, stroke, end-stage renal failure, major organ transplant, paralysis, coma, and other select conditions.
(Guaranteed issue) Pays cash benefits to help with expenses in the event of a covered accidental injury, dismemberment, or death. Benefits help cover the costs that go beyond standard major medical coverage.
(Guaranteed issue*) Pays for out-of-pocket hospital expenses that may not be fully covered by major medical insurance (such as deductibles, copayments, and coinsurance), including hospitalization for injury or sickness, emergency room benefit, and other select expenses.
*Pre-existing condition limitations apply: a sickness or physical condition, whether diagnosed or not, for which the insured was treated, had medical testing, received medical advice or had taken medication within 12 months before the coverage effective date. The insurer will not pay for losses that are defined as a pre-existing condition within the first 12 months of the policy.
