Cigna Healthcare Marketplace Plans for Individuals and Families

Cigna Healthcare Marketplace Plans offer a range of options for individuals and families. These plans are designed to provide affordable health insurance coverage through the Health Insurance Marketplace.

Cigna's individual and family plans are available in all 50 states. You can enroll in a plan during the annual Open Enrollment Period or during a Special Enrollment Period if you experience a qualifying life event.

Cigna's plans include a range of network options, including a national network of doctors and hospitals. This means you can see a doctor or visit a hospital in any state, not just in the state where you live.

Cigna also offers a variety of plan types, including Bronze, Silver, Gold, and Platinum plans. Each plan type has different levels of coverage and cost-sharing.

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There are four levels of health plans available on the Marketplace: Bronze, Silver, Gold, and Platinum. Each level pays a different portion of your health care bills.

You'll also pay a portion of your health care expenses through your monthly premium, copays, deductible, and coinsurance. The amount you pay depends on your plan.

Here are the different levels of health plans available on the Marketplace:

Some states may have a longer Open Enrollment period, so be sure to check the specific rules for your area.

You can shop for health insurance during Open Enrollment or a Special Enrollment Period. The Open Enrollment period starts each year on November 1.

A Special Enrollment Period is available for people who experience certain life changes, like moving or having a baby.

You can enroll during Open Enrollment, which lasts from November 1 to December 15 each year. This is the main time to buy a plan on the Marketplace.

If you're going through a significant life change, you might be eligible for a Special Enrollment Period that lasts for 60 days.

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There are four levels of health plans available on the Marketplace: Bronze, Silver, Gold, and Platinum.

Each level pays a different portion of your health care bills.

You'll also pay a portion of your health care expenses through your monthly premium, copays, deductible, and coinsurance.

The amount you pay depends on your plan.

Here are the four levels of health plans and what you can expect to pay:

The right plan to choose will depend on many factors, which vary from one person to another.

Risk adjustment is a market-stabilization program designed to spread financial risk among health insurance issuers. It provides payments to health plans that attract higher-risk populations, funded by payments from those that attract lower-risk populations.

Risk adjustment is done at the state level, and all states must participate, regardless of whether they run a state-based or federally based exchange. This means that carriers in all states are affected by risk adjustment.

Customers are risk adjusted based on demographics, duration on plan, and plan category. Only customers with a claim (Medical and/or Rx) are allowed to be risk adjusted based on CMS's hierarchical condition category (HCC) and/or prescription drug utilization factors (RXC).

Carriers that have a low health risk population will pay into the risk adjustment pool, while carriers that have a high health risk population will receive payments out of the risk adjustment pool. The financial impact of risk adjustment can vary significantly depending on population selection, market, market environment, and number of carriers.

Here are the key points about risk adjustment:

Risk adjustment is accounted for when pricing ACA products, which means that it's factored into the cost of your health insurance plan.

To enroll in Cigna healthcare marketplace, you must make your first premium payment before your plan can be activated.

You can pay your premium in three easy ways: online, by check, or by phone.

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To pay online, you can log in to your account and follow the instructions.

You can find the mailing address on your bill to pay by check.

To pay by phone, call 1 (877) 900-1237 (TTY 711) during business hours, Monday through Friday, 8 am to 8 pm ET.

Renewing customers can log in to myCigna to pay their premium.

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Cigna healthcare marketplace offers a range of customer support options to help you navigate your healthcare needs. With 24/7 phone support, you can get assistance whenever you need it.

You can also reach out to Cigna's customer support team through their online chat feature, which is available Monday through Friday from 8am to 8pm EST.

Additionally, Cigna's website has a comprehensive FAQ section that answers many common questions about their plans and services.

Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc.

For some states, like Arizona, Illinois, Georgia, North Carolina, South Carolina, and Texas, these plans are offered through specific local companies.

Some states may have a longer Open Enrollment period, which means you have more time to sign up for a plan that suits your needs.

Individual and family plans contain exclusions and limitations, so it's essential to review the details of your coverage.

For complete details of coverage, contact a licensed agent or Cigna Healthcare sales representative.

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24/7 Virtual Care gives you access to medical and behavioral health care from anywhere, at any time. You can use video or phone to connect with quality board-certified doctors and pediatricians, as well as licensed counselors and psychiatrists.

You can access care 24/7/365, even at night, on weekends, or holidays, for urgent medical issues, with no out-of-pocket cost. This means you can get help when you need it most.

Scheduling a behavioral health virtual care appointment is quick and easy, taking just minutes to do online. You can also connect with a doctor or therapist at a time that works for you.

Here are some common medical conditions that can be treated through 24/7 Virtual Care:

You can also get help with nonemergency behavioral/mental health conditions, such as addictions, bipolar disorders, depression, and eating disorders.

If you're facing a severe health circumstance or a highly complex condition, Cigna Healthcare offers a dedicated support program called My Personal Champion.

This program provides a personal champion who acts as an advocate, coordinator, researcher, and teacher to help you navigate your health benefits and achieve your customized plan.

A personal champion's role includes educating you about your health benefits, using network healthcare professionals and available options.

They also oversee the application of your benefits, review claim payments, and engage clinical support like nurses or coaches.

Your personal champion will identify local resources, including possible financial assistance or appropriate healthcare services.

Here's a breakdown of what a personal champion can do for you: