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.
The plan includes an annual wellness screening benefit of $50 per covered person for preventive health tests.
Coverage is available in benefit amounts of $15,000 or $30,000 for you, with your spouse eligible for 50% of your benefit amount and dependent children eligible for 50% (including special childhood conditions). If you enroll during your eligibility period, no health questions are required up to the guaranteed issue amount.
(Guaranteed issue) Pays cash benefits to help with expenses in the event of a covered accidental injury and receive medical treatment, dismemberment, or death. Benefits help cover the costs that go beyond standard major medical coverage, for instance: emergency care, hospitalizations, fractures, dislocations, lacerations, and other covered injuries and treatments.
This coverage includes an annual wellness benefit of $50 per covered person.
Coverage is available for you, your spouse, and dependent children, with two plan options to choose from. You can take this coverage with you if you change jobs or retire (portability feature available).
(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.
Benefits include hospital admission ($500-$1,000), daily hospital stay ($100-$200), intensive care unit admission and stay, and additional benefits for skilled nursing facility care, observation stays, and newborn nursery care.
Coverage is available for you, your spouse, and dependent children, with two plan levels to choose from. If you enroll during your eligibility period, coverage begins without a waiting period.
This coverage is portable if you change jobs or retire.
*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.
