🏥 All Insurance Plans Offered by Cigna Corporation – United States
Cigna Corporation is one of the largest health service organizations in the United States, well known for delivering comprehensive and customizable insurance solutions. Whether you’re an individual, family, employer, or retiree, Cigna offers a variety of plans that adapt to your healthcare and financial needs. Here’s a detailed breakdown of every major insurance product offered by Cigna in the U.S., including eligibility, age, coverage options, and unique plan features.
1. Cigna Individual & Family Health Insurance Plans (ACA-Compliant)
These plans are available on the Health Insurance Marketplace (Exchange) and directly from Cigna. They comply with the Affordable Care Act (ACA) standards.
Plan Tiers:
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Bronze – Lower monthly premiums, higher out-of-pocket costs
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Silver – Balanced premiums and cost-sharing
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Gold – Higher premiums, lower deductibles and copays
Key Features:
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Free preventive care (annual checkups, screenings)
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Telehealth 24/7 access
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Prescription drug coverage
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Mental health & substance abuse services
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Virtual primary care option
Eligibility:
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U.S. citizens and lawful residents
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Age: Any age
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Enrollment: Open enrollment (Nov-Jan) or via qualifying life event
Insurance Coverage:
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Annual max out-of-pocket: Around $9,450 for individuals (2025 estimate)
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Deductibles range: $0–$7,500 depending on tier
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Monthly premium: Varies by state, age, subsidy level
2. Cigna Medicare Advantage (Part C) Plans
These are all-in-one Medicare plans for seniors aged 65+ or individuals with certain disabilities. Cigna’s MA plans combine hospital (Part A), medical (Part B), and often drug (Part D) coverage.
Plan Types:
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HMO – Requires use of network doctors and referrals
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PPO – More flexibility to see out-of-network providers
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Special Needs Plans (SNPs) – Tailored for those with chronic conditions or dual eligibility (Medicare + Medicaid)
Coverage Includes:
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Hospital stays
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Doctor visits and diagnostics
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Vision, hearing, dental
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Fitness programs (Silver&Fit®)
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Prescription drugs
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Transportation and over-the-counter benefits
Age Eligibility:
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65 years and older
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Under 65 with certain disabilities (after 24 months of Social Security Disability Insurance)
Plan Benefits:
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Premiums: Some $0 premium plans available
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Deductibles: Low or zero deductible options
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Max out-of-pocket: Capped annually (e.g., $3,000–$7,000)
3. Cigna Medicare Supplement (Medigap) Plans
Medigap plans help pay the out-of-pocket costs not covered by Original Medicare (Parts A and B).
Plan Options:
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Plans A, G, N, F (varies by state and eligibility year)
Benefits:
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Covers copays, coinsurance, and deductibles
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No network restrictions – use any doctor who accepts Medicare
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Foreign travel emergency coverage (up to plan limits)
Age Eligibility:
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65+ and enrolled in Original Medicare
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Plan F only for those eligible before 2020
Monthly Premium:
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Depends on location, age, and plan level ($90–$200+ average)
4. Cigna Dental and Vision Insurance Plans
Available as stand-alone or supplemental plans for individuals, families, or employer groups.
Dental Plans:
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Cigna Dental 1000 / 1500 / 3000
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Preventive (cleanings, exams): 100% covered
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Basic and major restorative services
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Orthodontics (in some plans)
Vision Plans:
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Eye exams, lenses, frames, and contact lenses
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Discounts on LASIK and specialty lenses
Age & Eligibility:
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Available to anyone aged 18+ (or children under family plan)
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Coverage starts within 1–2 days of enrollment
Premium:
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Dental: ~$20–$60/month per individual
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Vision: ~$10–$20/month
5. Cigna International Health Insurance
For U.S. citizens living or working abroad and expats residing in the U.S.
Key Features:
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Worldwide coverage (excluding U.S. for some plans)
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24/7 multilingual support
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Hospitalization, outpatient, maternity, evacuation, and wellness
Ideal For:
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Global workers, expatriates, international students, missionaries
Plan Tiers:
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Silver, Gold, Platinum (varies by region and coverage depth)
Age:
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Typically up to 74 years for entry
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Renewable annually
6. Employer Group Health Insurance (Small and Large Businesses)
Cigna serves thousands of employer clients with customized group health insurance packages.
Available Plans:
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HMO, PPO, EPO, POS, High-Deductible Health Plans (HDHP)
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Integrated pharmacy, behavioral, and wellness programs
Extras:
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Onsite clinics, health coaching, chronic condition support
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Employee assistance programs (EAP)
Eligibility:
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Group plans for companies with 2+ employees
7. Cigna Behavioral Health & Mental Wellness Plans
Available as a standalone or embedded in health plans, Cigna provides extensive mental and emotional well-being coverage.
Benefits:
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Therapy, counseling (virtual & in-person)
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Addiction recovery programs
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24/7 support lines
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Digital self-help tools (apps, coaching)
Access:
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Included in most individual, family, and group plans
8. Cigna Accident, Critical Illness & Hospital Indemnity Insurance
Supplemental plans that pay cash benefits in case of unexpected medical events.
Accident Plan:
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Pays lump-sum amounts for fractures, ER visits, ambulance rides
Critical Illness Plan:
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Covers major diagnoses like cancer, heart attack, stroke
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Lump-sum payouts: $5,000–$50,000 (based on plan)
Hospital Indemnity:
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Daily cash benefit for inpatient hospital stays
Eligibility:
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Ages 18–64; family plans available
Monthly Premium:
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Starts as low as $10/month depending on coverage amount
🔚 Final Words
Cigna stands out in the American insurance landscape by offering tailored plans for nearly every life stage—from individual health coverage and family dental to employer group packages and global expat protection. What makes Cigna’s plans appealing is their emphasis on preventive care, digital health tools, and affordability across a broad range of products.
To learn more or explore plan options, visit:
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