Why Choose Cigna^✤?

^✤ Insured by Loyal American Life Insurance Company.

^✤ Insured by American Retirement Life Insurance Company.

^✤ Insured by Cigna Health and Life Insurance Company.

^✤ Insured by Cigna Health and Life Insurance Company.

* In some cases, a referral is required by Medicare. Choose any doctors who accept Medicare.

** Your policy cannot be terminated for any reason other than non-payment of premium or material misrepresentation in the application for insurance. The company reserves the right to increase premiums on a class basis.

^**Subject to termination provisions of the policy regarding fraud and material misrepresentation in the application for insurance. The company reserves the right to increase premium on a class basis, and to terminate the policy for nonpayment of premium.

*** Availability varies by state. Household Discount is a discount that is available when more than one member of your household enrolls or is enrolled in a Medicare Supplement policy provided by or through an affiliate of American Retirement Life Insurance Company. “Household” is defined as a condominium unit, a single-family home, or an apartment unit within an apartment complex. Assisted living facilities, group homes, adult daydare facilities and nursing homes, or any other health residential facility are not included in the definition of “Household.” The Household Premium Discount will be removed if the other Medicare supplement policyholder whose policy status entitles you to the discount no longer resides with you or no longer has a Medicare Supplement policy through an affiliate of American Retirement Life Insurance Company. However, if that person becomes deceased, your discount will still apply. The addition or removal of the discount will occur on the billing cycle following the date we learn your eligibility has changed.

^*** State variations apply. The Household Discount is not available in ID. Household Discount is a discount that is available when more than one member of your household is enrolled in a Medicare Supplement policy provided by Cigna Health and Life Insurance Company or an affiliate of Cigna Health and Life Insurance Company. "Household is defined as a condominium unit, a single-family home, or an apartment unit within an apartment complex. Assisted living facilities, group homes, adult daycare facilities and nursing homes, or any other health residential facilities are not included in the definition of "Household". The Household Premium Discount will be removed if the other Medicare Supplement policyholder whose policy status entitles you to the discount no longer resides with you or no longer has a Medicare Supplement policy through Cigna Health and Life Insurance Company or an affiliate of Cigna Health and Life Insurance Company. However, if that person becomes deceased, your discount will still apply. The addition or removal of the discount will occur in the billing cycle following the date we learn your eligibility had changed.

^*** State variations apply. The Household Discount is not available in CA, ID, and VT. Household Discount is a discount that is available when more than one member of your household is enrolled in a Medicare Supplement policy provided by Cigna Health and Life Insurance Company or an affiliate of Cigna Health and Life Insurance Company. Household is defined as a condominium unit, a single-family home, or an apartment unit within an apartment complex. Assisted living facilities, group homes, adult daycare facilities and nursing homes, or any other health residential facilities are not included in the definition of "Household". The Household Premium Discount will be removed if the other Medicare Supplement policyholder whose policy status entitles you to the discount no longer resides with you or no longer has a Medicare Supplement policy through Cigna Health and Life Insurance Company or an affiliate of Cigna Health and Life Insurance Company. However, if that person becomes deceased, your discount will still apply. The addition or removal of the discount will occur in the billing cycle following the date we learn your eligibility had changed.

^*** State variations apply. Household Discount is a discount that is available when more than one member of your household is enrolled in a Medicare Supplement policy provided by Cigna National Health Insurance Company or an affiliate of Cigna National Health Insurance Company. "Household is defined as a condominium unit, a single-family home, or an apartment unit within an apartment complex. Assisted living facilities, group homes, adult daycare facilities and nursing homes, or any other health residential facilities are not included in the definition of "Household". The Household Premium Discount will be removed if the other Medicare Supplement policyholder whose policy status entitles you to the discount no longer resides with you or no longer has a Medicare Supplement policy through Cigna National Health Insurance Company or an affiliate of Cigna National Health Insurance Company. However, if that person becomes deceased, your discount will still apply. The addition or removal of the discount will occur in the billing cycle following the date we learn your eligibility had changed.

^ Healthy Rewards programs are NOT insurance and do not provide reimbursement for financial losses. Rather, these programs give a discount on the cost of certain goods and services. The customer must pay the entire discounted cost. Some Healthy Rewards programs are not available in all states and programs may be discontinued at any time. Participating providers are solely responsible for their goods and services. The Healthy Rewards program is provided by Cigna Health and Life Insurance Company.

^ Healthy Rewards programs are NOT insurance and do not provide reimbursement for financial losses. Rather, these programs give a discount on the cost of certain goods and services. The customer must pay the entire discounted cost. Some Healthy Rewards programs are not available in all states, programs may be discontinued at any time, and programs are not available where prohibited by law. Participating providers are solely responsible for their goods and services. The Healthy Rewards program is provided by Cigna National Health Insurance Company.