CIGNA’S RESOURCES FOR GENERAL DYNAMICS CUSTOMERS
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CIGNA’S RESOURCES FOR GENERAL DYNAMICS CUSTOMERS General Dynamics 2019 Global Health Benefits Program 06/2017 Offered by Cigna Health and Life Insurance Company or its affiliates
Transcript of CIGNA’S RESOURCES FOR GENERAL DYNAMICS CUSTOMERS
CIGNA’S RESOURCES FOR GENERAL DYNAMICS CUSTOMERSGeneral Dynamics2019 Global Health Benefits Program
06/2017
Offered by Cigna Health and Life Insurance Company or its affiliates
What to expect after Open Enrollment
Plan Design Highlights
Getting registered: Cigna Envoy® Member Website, Mobile Application and Health & Wellbeing Application
Cigna’s Global Network Solutions, including CignaLinks®
Payment options, claim submission, reimbursement and requesting a guarantee of payment
Health and well-being support
Contact details
Appendix
Agenda
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Next Steps After Open Enrollment – What to Expect!
3Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
• Your new Cigna Global healthcare program begins January 1st 2019,
• In December you will be receiving an email from Cigna to your General Dynamics email address with your new member ID number and details on how to register on Cigna’s secure member website.
• Once you receive your Welcome Email mentioned above, please register on Cigna’s member portal (www.cignaenvoy.com) where you can then download a copy of your new global insurance ID card.
• You will also receive a hard copy of your ID card sent to your address provided on your enrollment file. Please present this card to any doctor/healthcare provider in 2019 upon receiving it.
• Prior to January 1st, for employees currently covered by Aetna Global, please submit any claims directly to Aetna and claims must be submitted no later than December 31, 2019 to be reimbursed.
To help you:
• Plan for assignment• Understand your benefits• Find a doctor• Manage your health• Refill/replace prescriptions• Secure Guarantee of Payment (GOP)• Submit claims
Cigna world-class customer service
24/7We’re there for you. When and how
you need us.
multilingual service
Cigna Toll-free telephone number 1.855.438.5473
Resources include:
> Welcome kits> Translation services and tools> Clinical support> Email team staffed 24/7/365 through
secure messaging> 24-hour automated self-service> Multilingual service in 170 languages
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We make it easy. Learn more by watching this video
PLAN DESIGN HIGHLIGHTS
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MEDICAL PLAN DESIGN – Core
Plan Feature International U.S. In-Network U.S. Out-of-NetworkLifetime Maximum Benefit Unlimited
Deductible $0$0
$100$300
$300$600
Coinsurance (Cigna pays) 100% 85% 65%
Out-of-Pocket Maximum $0$0
$1,000$3,000
$3,000$6,000
Doctor / Specialist Office Visits 100% 85% after deductible 65% after deductible
Inpatient 100% 85% after deductible 65% after deductible
Outpatient 100% 85% after deductible 65% after deductible
Emergency Room 100% 85% after deductible 65% after deductible
Labs/Xrays 100% 85% after deductible 65% after deductible
Adult Preventive Care 100% 100% 100%
Child Preventive Care 100% 100% 100%
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2016 Cigna
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MEDICAL PLAN DESIGN – Continued
Plan Feature International U.S. In-Network U.S. Out-of-NetworkChiropractor- Office Visit- CYM
100%unlimited
85% after deductibleUnlimited
65% after deductibleUnlimited
Short Term Outpatient Rehab (60 days maximum combined) 100% 85% after deductible 65% after deductible
Prescriptions- Generic - Brand Preferred- Brand Non-preferred*Covered Prescriptions outside the US not subject to the US Formulary, treated as medical claim
100% 85% 65%
Vision- Exams
one every 12months- Hardware
$300 maximum every 12 months
100%
100%
100%
100%
100%
100%
Hearing - Exams (one every 24
months)- Aids ($1,000 per unit necessary
every 36 months children under age 24
100%
100%
85% after deductible
85% after deductible
65% after deductible
65% after deductible
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2016 Cigna
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DENTAL PLAN DESIGN
Plan Feature Benefit
Classes I, II, III Combined Calendar Year Maximum $1,750
Class IV Lifetime Maximum $2,250
Calendar Year Deductible - Classes I, II, IIIIndividual/Family
$50$100
Calendar Year Deductible - Classes IVIndividual $50
Class I - Preventive: 2 exams, cleanings and bitewing X-rays per person, per year. 100% not subject to deductibleClass II - Basic Restorative: includes periodontics, oral surgery, fillings, root canal & repair work to bridges and dentures.
80% subject to deductible
Class III - Major Restorative: includes dentures, bridgework and crowns.
50% subject to deductible
Class IV - Orthodontia Children and Adults eligible
50% subject to separate $50 deductible
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2016 Cigna
Network Providers and Prescriptions obtained in the US
9Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
Visit www.cigna.com k.” Then:
- Click on ‘Find a Doctor, Dentist or Facility’ tab towards the top of the page- Select ‘Plans through your employer or school’ under ‘Not a Cigna Customer Yet’- Under ‘Find Providers’ locate the ‘Select a Plan’ drop down:
o Find ‘Medical Plans’ and then select ‘Open Access Plus, OA plus, Choice Fund OA Plus,’ or
o ‘Dental Plans’ and click ‘Cigna Dental PPO or EPO’
- Then click on ‘Choose’ on the bottom of the drop down- Choose ‘Search Location’ and enter the provider name using generalized term terms (i.e., “Smith” instead of “Dr.
Smith M.D.”)
Cigna Global can connect you with physicians and facilities in the US that have come together and agreed to provide services at lower rates. Follow the instructions below to confirm if your current provider in the US is in the Cigna OAP network.
With the transition to Cigna Global, you will have access to a new Formulary of Prescription drugs effective January 1st.
o The Formulary includes all FDA approved medicationso Generic medications will generally be covered at the most cost-effective amounts
yet very similar effectiveness vs. Brand o Preferred and Non-Preferred Brand medications are also covered
o Preferred are often considered “best in class” and are generally less expensive than Non Preferred Brand
o You also have access to a broad network of Pharmacists in the US
GLOBAL NETWORK CAPABILITIES
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Cigna provides private access to health care professionals worldwide (coverage based on your plan election) while granting access to the world’s largest network of direct settlement providers in almost every geography. You will be able to search for providers via phone, the Envoy mobile app and the Web. See this quick video on how to find a provider.All employees and dependents will receive a global ID card as seen below which will be sent to the address provided during the open enrollment process.
Global Network Coverage and Membership ID Cards
We’ve got you covered. Same great global coverage—one more ID cardIf you have a citizenship or work location of Australia, Bahrain, Brazil, Canada, Kuwait, Nigeria, Oman, Qatar, South Africa, Saudi Arabia, Spain or the United Arab Emirates, a second CignaLinks ID card will be issued for accessing care in these locations.
The following countries will have co-branded ID cards: China, Hong Kong, Indonesia, Malaysia, Macau, Singapore, Taiwan, and the United Kingdom.
All employees will receive a Cigna Global ID card
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Russia
UK DomesticUnited Kingdom
CanadaEasy access to affordable quality care• Local access to health care professionals• Local networks, some with discounted rates• Direct pay arrangements
Local presence and compliance• Understanding of local country doctors,
hospitals, and regulations• Work permits and visa requirements
Integrated solutions• Seamless eligibility transfers• Accumulation of claims data for
global reporting • Co-branded (with local service
provider) or unique locally recognized ID cards
• Local service provider directory integrated with Cigna Envoy
Brazil
Spain, DomesticSpain
Saudi Arabian Cooperative Insurance Company
Saudi Arabia
Cigna Middle East
Bahrain, Kuwait, Oman, Qatar, United Arab Emirates
Hong Kong, Taiwan, China, Macau
Singapore, IndonesiaMalaysia
Australia
Nigeria and South Africa
CignaLinks: Global coverage, local deliveryIn addition to your access to our large global direct settlement network, for employees residing in and/or from the geographies noted below, Cigna has an enhanced local network partnership which helps provide more convenient access to healthcare services and compliance where necessary.
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A copy of your Global Member Kit can be found below and if you are in a local CignaLinks country, please click on the associated link for details on how to access care locally through Cigna’s network partner.
Global Member Kits & local CignaLinks Member Kits
Global Member KitsCustomer Kit - US ExpatCustomer Kit - US Inpat Customer Kit - TCN
South Africa/Nigeria – Partner - MSO Customer Kit - MSO
Australia - Partner - Grand UnitedCustomer Kit - Australia Category E Customer Kit - Australia Categories A and C1
Brazil - Partner - Gama SaúdeCustomer Kit - Brazil
Canada - Partner - CowanCustomer Kit - Canada
China/Hong Kong/Macau/Taiwan- Partner - QHMSCustomer Kit - QHMS
Middle East – Partner - Cigna Middle EastCGHB Middle East Migration Welcome PackAbu Dhabi Middle East New Hire KitDubai Middle East New Hire Kit
Singapore/Indonesia/Malaysia- Partner - Parkway HealthCustomer Kit - Parkway
Spain - Partner - Cigna SpainCustomer Kit - Spain
United Kingdom - Partner - Cigna UKCustomer Kit - UK
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Cigna Envoy and the Cigna Envoy Mobile App
DIGITAL TOOLS
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Getting started with Cigna Global Health Benefits
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Registering on the secure Member Portal - Cigna Envoy Watch this quick video !
• You will need your Cigna policy number and your unique member ID number to register on www.CignaEnvoy.com. These numbers can be found on both the Welcome Email that Cigna has distributed to your General Dynamics email address on file, as well as on your global membership ID card.
• Your global membership ID card has been mailed to your member address on file that you submitted on your Open Enrollment form.
• Please immediately register on Cigna’s customer website: www.CignaEnvoy.com.
Self-Service Capabilities: Everything you need in one place
Self-service website CIGNA ENVOY®
Improved employee satisfaction –connected 24/7 to the information they need most
• Online claim submissions• Print and order ID cards• Find a doctor or hospital • View explanation of benefits• Opt-out of explanation of
benefits in the mail (“go green”)• Update personal information
and communication preferences
• Review eligibility• Send and receive email• Access health and
wellness tools• Available in English, Spanish
and Simplified Chinese
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Cigna Envoy Landing Page: “Where do I go?”
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First time registration, select: ‘I have not registered yet’.
After initial registration, select: I have an existing login
Cigna Envoy: Homepage
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Available in English, French, German,
Simplified Chinese and Spanish
Important message center
Video capabilities
Self service help center
Footer quick access to the entire site of Envoy
Quick icons
• Check claims status• View my plans• Find a provider• View and print ID
cards
Rotating box used to promote new features, services or products
Two Exciting Apps to support you: Cigna Envoy & Cigna Wellbeing: download today!
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Cigna Envoy
• Instant, real-time access to health information on the go
• Easy and simple navigation
• Available whenever, wherever
• Find health care all over the world
• Submit & check the status of your claims
• View and Print your family’s ID cards
• Always have a way to contact Cigna 24/7/365
At Cigna Global Health Benefits® we are dedicated to making sure you have quick and easy access to their Cigna benefits and services anytime and anywhere you need them. That’s why we created the Cigna Envoy mobile app. Cigna Envoy is the online source for your benefit needs and now you can access it right on your smartphone.
Download the App now from the App StoreSM or Google Play.
Cigna Well-Being App
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2017 Cigna. All rights reserved
New personalized secure health and wellness app – access your no cost Telehealth service and International Employee Assistance programs
Download the App now from the App StoreSM or Google Play.
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Affordable and convenientalternative to doctor or clinic visits– no deductibles or coinsurance, no need to leave the house
Diagnosis for non-emergency health issues - ranging from acute conditions to complex chronic conditions and pediatric care
110+ board certified doctors – internal medicine, gastroenterology, orthopedics, mental health specialists and pediatricians
Prescriptions on common health issues – when clinically necessary
Mobile app access to real-time scheduling
WHY GLOBAL TELEHEALTH?24/7/365 access to a doctor within 24-72 hours*, available globally in
multiple languages.
WHAT IS IT?Cigna customers can see a licensed doctor with private, online, and live appointments via a secure video or phone conversation.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2017 Cigna. All rights reserved
Available thru the Cigna Wellbeing TM App from the Apple App StoreSM or Google PlayTM.
* Pending language preference
Global telehealth delivered via Cigna Well-Being AppLive video & telephonic doctor consultation
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PAYMENT OPTIONS, CLAIM SUBMISSIONS AND REIMBURSEMENT
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• Direct payment: We have a robust provider network – with more than one million health care professionals worldwide – and we regularly make direct payments to doctors and hospitals willing to accept this arrangement. You can simply present your Cigna ID card, and the doctor or hospital will bill Cigna directly.
• Guarantee of payment: If you receive care outside of our direct payment network, we have almost a 100 percent success rate in establishing a guarantee of payment. You can call our customer service center 24 hours a day, 7 days a week, 365 days a year for assistance arranging a guarantee of payment.
• Pay and claim: You also have the option of paying for services up front and submitting the claim for reimbursement to Cigna. You can take advantage of our simple claims submission process through Cigna Envoy the Cigna Envoy Mobile App, via toll-free fax or standard mail. Claim reimbursements are available in more than 100 different currencies. – Once received, 92 percent of claims are reimbursed within 10 business days, and
you can have the reimbursement directly deposited into your bank account, sent via electronic funds transfer, or choose to have a paper check mailed to you in your local currency.
Watch this quick video for additional details!
Fast and flexible claim submission
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Multiple options, same great service: While we regularly make payments directly to the health care professional, our claims process is flexible. Medical, dental, and vision claims can be processed through:
Claim submission options
All registered users of our website, CignaEnvoy.com, are able to submit and view previous claims through the website using an easy to follow process.
CignaEnvoy.com
Mail delivery: Cigna Global Health BenefitsCustomer Service CenterP.O. Box 15050 Wilmington, Delaware 19850
Fax: 1.800.243.6998
Cigna Envoy mobile app Mail or fax
Submit using the photo claim submission tool through the Cigna Envoy mobile app
Our medical and dental claims forms are available in 16 languages: Arabic, Chinese, Czech, Dutch, English, French, German, Hindi, Italian, Japanese, Korean, Portuguese, Russian, Spanish, Swedish, Thai
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1. Submit your claim through CignaEnvoy.com or the Cigna Envoy mobile app. It’s the fastest and easiest way to get your claims to Cigna.
2. All out-of-network claims should be sent directly to Cigna.3. If you choose to mail or fax your claim(s), make sure your
claim form is filled out completely, and don’t forget to sign it!
4. Fill out a separate form for each doctor or hospital visit.5. Be sure to add a diagnosis, type of treatment or explanation
of treatment.6. Provide a detailed list of fees for each service rendered
along with the date it was performed.7. Make and keep handy copies of your bills, receipts, and
claim forms.8. Clearly state how you would like to be reimbursed.9. If you can’t submit your claim online, remember that even
faxes are faster than regular mail.
Steps to speed up the claims reimbursement process
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Call CIGNA 1.855.438.5473
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Guarantee of payment arrangement process (GOP)For the earliest arrangement:• Ask your doctor/hospital to contact Cigna
and Cigna will work with your doctor/hospital to directly settle the claim.
• The phone number is on your back of ID card.
Urgent/Emergency GOPs: • Can be completed in roughly 1-2 hours.
Non-urgent GOPs are typically turned around in 48 hours.
• If doctor/hospital requests a GOP, the confirmation will be faxed to them.
• If a member requested a GOP, Cigna can send the GOP to the hospital and member.
E-MAIL CIGNA“GOP Inquiry” via CignaEnvoy.com
or
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Information Cigna requires for a Guarantee of payment arrangement
• Cigna member’s Name:• Cigna member ID:• Hospital Name: • Hospital Address: • Hospital Country:• Admitting Consultant/Doctor: • Hospital Contact Name: • Hospital Phone:
• Hospital Email Address: • Hospital Fax:• Patient Name:• Patient’s Diagnosis: • Requested Medical Procedure: • Date of Service (Admission &
Discharge date): • Admitting Consultant/Doctor:
When you are seriously injured or believe your illness is life threatening, please seek immediate care. Then Contact Cigna + 1.855.438.5473 so Cigna can facilitate a GOP.
Direct payment to a U.S. or Canadian bank.
Electronic Funds Transfers (EFT).
Paper checks to you in a variety of currencies (over 100 currencies).
Wire transfers* to bank accounts around the world.
ePayment Plus® is an integrated and accurate process that includes automatic email notification of payments directly into a bank account identified by you. You can quickly and easily self-enroll in ePayment Plus on Cigna Envoy. ePayment Plus complements the existing array of electronic payment options, such as wire transfers* and EFT, available in the U.S. After you enroll in ePayment Plus, charges often applied by your bank for wire transfers or other deposits, are removed or minimized. To sign up, go to CignaEnvoy.com. This service is available in: Australia, Canada, Denmark, Hong Kong, New Zealand,
Norway, Singapore, and Sweden.
Claim reimbursement options
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*Your bank, or intermediary banks, may apply a fee for the receipt of wire transfers.
Cigna can only reimburse where legally permitted.
Global wellness solutions
Health and well-being assessment
Pre-assignment assistance/condition management
Second opinion• Proactively identifies potential health risks• Tailored, individual reports let you and us
know where you may need assistance• Available in 17 distinct languages with
31 cultural adaptations• Covers eight key areas of lifestyle including:
Sleep, Stress, Physical Activity, Nutrition, Mental Health, Productivity, Lifestyle and Weight
• Simple yet comprehensive questionnaire identifies health conditions and risks• You learn how to manage or maintain health while on assignment• Identify potential health risks before you leave• Outreach by Cigna to help with current and/or potential issues• Available to you and your family members while on assignment• Personal nurse resources are always available throughout the duration of assignment
• Through a relationship with Cleveland Clinic, you have access to MyConsult®Online Medical Second Opinion
• Cleveland Clinic physicians will review your medical records and diagnostic tests and provide an online medical second opinion
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Cigna Global Health Benefits contact information
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Toll-free telephone number 1.855.438.5473Toll-free TDD telephone number for the hearing impaired
1.800.558.3604
Toll-free facsimile number 1.800.243.6998Direct facsimile number +1.302.797.3150
Confidential IEAP Contact InformationReverse charge calling +44 208 987 6550 (contact your international
operator and request that the charges be reversed or dial us direct and we will call you back)
Website www.CignaEnvoy.com
Email [email protected]
SMS texting +44 790 934 1229 (standard text messaging rates may apply. Please include your name, country location, and phone number where you can be reached)
Learn how to contact Cigna by watching this video
QUESTIONS?
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GLOSSARY OF TERMS
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Copayment (copay): The amount you pay per visit to the doctor or a health care facility. This is generally a flat dollar amount that is paid at the time of service. The amount can vary based on your plan coverage terms and the type of covered health service you receive.
Deductible Amounts: This is the amount of covered expenses that you must pay before the plan pays any benefit. Once you meet this threshold, the plan will begin to pay benefits for covered expenses that you incur; this applies to both individual and family plans.
Coinsurance: A percentage of the cost of covered medical services you must pay after you have met any plan deductible. Coinsurance is a percentage of the cost of the service post Cigna discount (if you stay in-network). It does not include charges for services not covered by your plan.
In-network: Health care professionals or facilities that have signed contracts with Cigna and may therefore offer discounts for health services when you receive care and directly bill Cigna.
Out-of-network: Health care professionals or facilities that do not offer discount arrangements for services with Cigna and may require that you pay for services at the point of care. You may visit any health care facility you choose by choosing a doctor who does not participate in the Cigna Network may lead to higher out-of-pocket cost.
Helpful terms to know
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FREQUENTLY ASKED QUESTIONS
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MBA Program – FAQMBA Program – FAQ
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Q: Do I need a Cigna ID card?A: Yes. Your Cigna ID card is recognized by most providers around the world. By using your Cigna ID card, we can directly reimburse the doctor or hospital where you received care. When you receive your permanent ID card, pleaseverify your information is correct and call Cigna immediately if a change is required. Present your ID card whenever you receive services from a provider.
Q: Is my Cigna ID card a credit or payment guarantee card?A: No. Your Cigna ID card is purely a means of identifying you. It has no payment capabilities. You should contact us for payment guarantees or questions.
Q: Do I need to select a primary care physician (PCP)?A: You are not required to select a PCP. However, it is recommended that you establish a relationship with a personal doctor, such as a family practitioner or an internist, in advance of requiring care. A personal doctor will care for you and your covered family members, including routine physical exams, sick visits and follow-up care. They can also provideinformation and guidance when selecting specialists. They will become a valuable resource and can be a personal health coach for you and your covered family members.
Q: How can I locate a doctor and how do I search for providers in Cigna’s global direct settlement network?A: With a network of more than one million providers worldwide, it’s easy to locate a doctor or hospital. To locate an international provider, go to CignaEnvoy.com and click on the “Find health care” tab or call us using the number on your ID card for assistance. You do not need to submit a claim if you visit a healthcare professional that has a direct billing arrangement or has obtained a Guarantee of Payment from Cigna. In these scenarios, the provider will file the claim directly with Cigna – reducing the need for you to submit any paperwork or pay in full upfront.
MBA Program – FAQ
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MBA Program – FAQQ: What if my doctor is not in Cigna’s international network?A: You can see any licensed doctor in your assigned country. Cigna will be able to support you with our Guarantee of Payment process and reach out to your doctor directly to initiate the payment. If the provider is unwilling to directly settle the claim with Cigna, you will need to submit a claim for reimbursement. You have the ability to submit claims directly through our customer website www.CignaEnvoy.com, via our Mobile App or by fax, mail/courier or email.
Q: How do I request a guarantee of payment from Cigna? A: Ask your doctor/hospital to call Cigna and Cigna will work with your doctor/hospital to directly settle the claim. The Phone number can be found on the back of your ID card. Emergency GOPs can be completed in 1-2 hours and non-urgent GOPs are turned around in roughly 48 hours. If a doctor/hospital requests a GOP, the confirmation will be faxed to them. If a member requested a GOP, Cigna can send the GOP to the hospital and member.
Q: How do I get my prescriptions filled while I am away?A: If you receive a prescription from a local doctor while working outside of your home country, you can have it filled locally. If you have any questions, please contact Cigna using the number on your ID card. Our customer service team will help you identify available options. Please be aware medications can only be filled locally in the country where the prescription is written. For example, if you have a medication prescribed by a doctor in China, it cannot be filledin the United States (U.S.). Likewise, a prescription written in the U.S. cannot be filled in a pharmacy outside of the U.S.
Q: What if I have a medical emergency?A: Should something serious happen, visit the nearest hospital and contact the global service center immediately. The professionals at our global service center will help you get the emergency assistance you need. From ground transportation and translators to finding a specialist and facilities, we’re here to help.
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MBA Program – FAQQ: What types of reimbursement options are available if I pay out of pocket? A: You can receive a variety of reimbursements in over 135 different currencies. Depending on the currency requested, Cigna can reimburse via check, ePayment Plus®, direct deposit, and EFT. Wire transfer is another option, but is suggested only for large claims since there are lifting fees typically associated with the transfer, which would become your responsibility to pay.
Q: If I had to pay out of pocket, what is the quickest and easiest way to be reimbursed? A: Cigna suggests submitted any claim that has been paid out of pocket via the website and/or mobile application. By submitted electronically via mobile app, you do NOT need to fill out a claim form and once you load your preferred reimbursement method and banking details online, they will be saved. You may also check the status of your claims online and track all submissions.
Q: What is an Explanation of Benefits (EOB) and how can I check on my claim status?A: Your EOB is a summary of how your claims were processed and what you may owe, not a bill. Your provider or the facility may bill you directly for the remainder of what you owe. To view your claims status, follow these steps:
1. Log in to CignaEnvoy.com.2. Select “Check my claims.”3. Select “View all claims.”4. Under Explanation of Benefits, select “View” to see the specific EOB you are looking for.
Q: Are there any pre-existing condition limitations or waiting periods with the new Cigna program?A: No. You may access healthcare starting January 1st 2019 under the new program with no limitations on your pre-existing health conditions nor do you have to satisfy any waiting periods.
Cigna Global Health Benefits’ web-based tools, such as Cigna Envoy®, are available for informational purposes only. Products andservices may not be available in all jurisdictions and are expressly excluded where prohibited by applicable law.
All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Healthand Life Insurance Company, Cigna Life Insurance Company of Canada or service company subsidiaries. References to third-partyorganizations of companies, and/or their products, processes or services, do not constitute an endorsement or warranty thereof. The Cignaname, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. All pictures are used for illustrative purposes only.
© 2018 Cigna. Some content provided under license.
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