Cigna Health Partners is a name you might encounter when exploring health insurance options, particularly supplemental policies. It’s crucial to understand what Cigna Health Partners entails, especially when considering plans offered by Cigna Health and Life Insurance Company or its affiliates. In Utah, it’s important to note that plans are specifically offered by Cigna Health and Life Insurance Company. Supplemental policies, on the other hand, are insured by Loyal American Life Insurance Company.
Cigna Healthcare operates through various subsidiaries under The Cigna GroupSM, including Cigna Health and Life Insurance Company (CHLIC) and Loyal American Life Insurance Company, among others. These entities also include HMO or service company subsidiaries like Cigna HealthCare of Arizona, Inc., and Cigna HealthCare of Texas, Inc., to name a few. It’s worth reiterating that in Utah, all products and services are channeled through Cigna Health and Life Insurance Company.
One of the potential benefits highlighted within Cigna Healthcare plans is access to virtual care. For instance, some plans may offer $0 virtual care (no cost share) for eligible preventive care and Dedicated Virtual Urgent Care for minor acute medical conditions. This virtual care is often facilitated through telehealth providers like MDLive, accessible via the myCigna portal. It’s important to verify plan specifics as virtual care benefits can vary, and services may not be available under all plans, with some exceptions for HSA plans or non-minor acute medical care which might involve copays, coinsurance, or deductibles. Preventive care coverage can also differ by plan, so it’s essential to review plan documents to understand which preventive services are covered and if any cost sharing applies.
While exploring Cigna Health Partners and its associated plans, it’s vital to recognize that POLICIES PAY LIMITED BENEFITS ONLY. They are NOT COMPREHENSIVE HEALTH INSURANCE COVERAGE and do not cover all medical expenses. Critically, this type of coverage does not meet the “minimum essential coverage” requirements as defined by the Affordable Care Act (ACA). Furthermore, it is not designed to supplement Medicaid or Medicare insurance.
It’s also important to be aware that communications regarding Cigna Health Partners and related insurance products are considered solicitations for insurance. This means you may be contacted by an insurance agent or producer. Product availability can fluctuate by state, and policies will include exclusions, limitations, benefit reductions, and stipulations regarding policy continuation or discontinuation. For detailed information on costs and complete coverage specifics, it is always recommended to contact your insurance agent, producer, or the company directly and thoroughly review your plan documents.
This information is not applicable in all regions. Specifically, the details provided are not intended for use in states such as AZ, CA, GA, NV, OH, OK, OR, WA, and WV. Always confirm the specifics relevant to your state and policy directly with Cigna Health Partners or your insurance provider.
