Brighter

Cigna Healthcare is a health benefits organization whose products and services are provided by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company of Bloomfield, Connecticut. Its consumer-facing offerings span medical coverage, dental coverage (including options bundled with vision and hearing), plans obtained through an employer, and international health insurance. Product availability varies by state and plan type.

For individual medical coverage, the company markets plans with $0 preventive care and virtual care starting at $0 for eligible services, potential financial assistance for those who qualify, and optional additional coverage for diabetes and asthma/COPD; individual shopping is tied to open enrollment, which runs November 1 to December 15 in most states. Members use myCigna, a web and mobile portal, to view and pay claims, access ID cards, choose or change a doctor and review coverage, with 24/7 support. Dedicated Virtual Care is delivered through national telehealth provider MD Live and surfaced within myCigna. The company also operates a disaster resource program that can provide emergency prescription refills and additional clinical support after natural disasters or other emergencies, and states a public commitment to inclusion across race, ethnicity, nationality, gender, veteran status, ability, sexual orientation and gender identity.

Business model

The company underwrites and administers insurance plans and health benefit products through regulated operating subsidiaries, with coverage sold directly to individual consumers, offered through employers, and provided to internationally mobile customers. Policies carry exclusions, limitations and cost-sharing such as copays, coinsurance and deductibles depending on plan design.

Insurance premiums for medical, dental, vision/hearing and international health plans, with member cost sharing through copays, coinsurance and deductibles on some services.