Product Disclosures

General Product Disclosures

Group health plans are insured or administered by Connecticut General Life Insurance Company or Cigna Health and Life Insurance Company. Life, accidental death and dismemberment, and disability insurance plans are offered by Life Insurance Company of North America and Cigna Life Insurance Company of New York.


The information provided on these pages is a brief description of some of the important features of Cigna plans, products and/or services available to employers with 51-250 employees. It is not an offer or an invitation to contract. Terms and conditions of coverage are set forth in the plan documents - the insurance certificate, plan booklet, policy, contract and/or summary plan description. The group policy is subject to the laws of the jurisdiction in which it is issued. The availability of any products or services may change.


Certain plans are not available in all states. Plan features and availability may vary by location and are subject to change. Rates will vary by plan design including the amount of plan deductibles, coinsurance, and out-of-pocket and lifetime maximums. Rates may vary based on age, gender, geographic location, tobacco usage, the plan design selected, and the results of the medical underwriting risk assessment process. Rates are subject to change upon prior notice and Cigna reserves the right to change the premium rates. Certain medical conditions may not be covered for a specified length of time if those conditions are related to a medical condition that existed prior to the date of coverage.


All insurance policies and general service agreements have restrictions, exclusions, limitations, reductions of benefits and terms under which the policies or agreements may be continued in force or discontinued. For costs and complete details of coverage, contact your local agent or write to the company:

 

Cigna ®
8505 East Orchard Road, 10T1
Greenwood Village, CO 80111

 

Colorado Notice

Colorado law requires carriers to make available a Colorado Health Benefit Plan Description Form, which is intended to facilitate comparison of health plans. The form must be provided automatically within three (3) business days to a potential policyholder who has expressed interest in a particular plan or who has selected the plan as a finalist from which the ultimate selection will be made. The carrier also must provide the form, upon oral or written request, within three (3) business days, to any person who is interested in coverage under or who is covered by a health benefit plan of the carrier.

 

ACCESS PLAN: If you would like more information on: (1) who participates in our provider network; (2) how we ensure that the network meets the health care needs of our members; (3) how our provider referral process works; (4) how care is continued if providers leave our network; (5) what steps we take to ensure medical quality and customer satisfaction; and/or (6) where you can go for information on other policy services and features, you may request a copy of our Access Plan. The Access Plan is designed to disclose all the policy information required under Colorado law, and can be obtained by calling Member Services at 1-800-CIGNA-24.