Table of Contents
Cigna’s supplemental benefits and gap coverage plans help bridge the gaps in your primary health coverage by providing cash benefits for unexpected medical events, such as accidents, hospital stays, or critical illnesses. These plans pay you directly, allowing flexibility to cover expenses like deductibles, copays, household bills, or childcare. Explore our 2025 offerings, including updated benefits for accidental injury, critical illness, hospital indemnity, dental, vision, and wellness incentives, to select the right protection for you and your family. Note: Cigna supplemental plans are not comprehensive health insurance and do not satisfy ACA minimum essential coverage requirements.
Cigna Chiropractic Coverage
Cigna accident insurance covers chiropractic treatments for accident-related injuries, paying benefits for visits within a specified period post-incident. Typical payouts range from $25-$50 per visit, up to a maximum of 10 visits per accident, depending on the plan. Coverage helps with structural adjustments following accidents like falls or strains, aiding in pain relief and recovery without out-of-pocket strain. This benefit is particularly useful for soft tissue injuries, ensuring you can access non-invasive care promptly, and integrates with Cigna’s discounts on wellness services including chiropractic care.
Does Cigna Cover Braces?
Cigna dental plans, such as PPO or DHMO, provide orthodontia coverage for braces, especially for children under 19, with reimbursement typically 50% after deductible and lifetime maximums of $1,000-$3,000. No waiting periods in many plans for preventive and basic services. This can significantly reduce costs for orthodontic needs, making braces more accessible for families. Accident plans may also cover injury-related braces as medical appliances.
How Much Does Cigna Pay for Surgery?
Under hospital indemnity, Cigna pays lump sums for surgeries, ranging from $500-$5,000 based on procedure complexity. For example, outpatient surgery may pay $500, while major inpatient procedures pay higher. Critical illness adds lump sums if surgery relates to covered conditions. These payments are made directly to you, helping cover surgical fees, anesthesia, or related travel expenses not handled by primary insurance. Always verify specific procedures in your policy schedule, as benefits are limited and not comprehensive.
Cigna Pregnancy Payout
Hospital indemnity covers maternity hospital stays, with benefits for admission ($1,000-$2,000) and daily confinement ($100-$300). Short-term disability may cover maternity leave, replacing 60-70% of income for 6-8 weeks post-delivery, with elimination periods of 7-14 days. This supports new parents by easing financial burdens during this joyful but expensive time, including 48 hours for vaginal delivery and 96 hours for cesarean under national policy. Complications are covered as sickness.
| Pregnancy Event | Payout (Example) |
|---|---|
| Vaginal Delivery Admission | $1,000 |
| Cesarean Delivery Admission | $1,500 |
Cigna Herniated Disc Coverage
Accident insurance covers treatment if injury-related, with payouts for surgery ($500-$2,000) or therapy. Hospital indemnity adds if hospitalization occurs. This coverage is crucial for sudden back issues from accidents, providing funds for medical interventions and rehabilitation. It specifically addresses ruptured discs requiring surgical repair, excluding pre-existing bulging discs, and supports chiropractic or physical therapy as initial treatments.
| Procedure | Basic | Enhanced |
|---|---|---|
| Ruptured Disc Surgery | $500 | $1,000 |
Cigna Accident Insurance Payout
Covers 24/7 for injuries on or off the job, including ER visits, surgeries, and follow-up care. Benefits help with deductibles and copays. This plan is designed for unpredictable events, offering peace of mind for active lifestyles. Payouts are lump-sum, usable for any purpose, from medical bills to lost wages, with auto-claim features if you have other Cigna coverage.
Example:
A sports injury requiring ER and surgery might pay $2,000 total ($500 treatment, $1,500 hospital). The cash can be used flexibly for any needs arising from the accident.
Does Cigna Pay for Sprains?
Yes, accident insurance covers sprains with benefits for treatment, such as $100-$300 for minor injuries, plus physical therapy if needed. Sprains from twists or falls are common, and this payout helps cover doctor visits, braces, or rehab sessions promptly. Coverage extends to related hospital or therapy costs, emphasizing musculoskeletal strains.
Cigna Cancer Insurance
Provides lump-sum payments upon diagnosis (100% for invasive cancer, 25% for carcinoma in situ), up to $30,000, plus benefits for treatments like chemo. This specialized coverage focuses on the high costs of cancer care, including experimental treatments or travel to specialists. Recurrence benefits may apply after 6 months, with exclusions for certain early-stage cancers.
Example:
Cancer diagnosis could yield $10,000-$30,000 lump sum, plus ongoing treatment benefits, alleviating financial toxicity during treatment.
Cigna Serious Illness Insurance
Critical illness insurance pays lump sums for heart attacks, strokes, etc., usable for any expenses. It acts as a financial safety net for life-altering diagnoses, with multiple payouts possible up to three times the initial benefit for recurrences. Covers over 45 conditions, including organ transplants and paralysis.
Example:
Heart attack might pay $10,000-$30,000, covering recovery costs like home modifications or lost income.
Cigna Life Insurance
Offers term, whole, and universal life, with accidental death riders adding extra payouts (e.g., double benefit for accidents). Example: $100,000 policy with accidental death could pay $200,000. This ensures beneficiaries are protected, with options for payroll deduction for convenience and integration with supplemental riders like critical illness.
Cigna Stitches Coverage
Accident insurance pays for lacerations requiring stitches, based on length ($50-$400). Payments are quick, helping with ER bills immediately. Coverage applies within 72 hours of the accident for qualifying treatments, supporting wound care and follow-up.
| Laceration (Within 72 Hours) | Basic | Enhanced |
|---|---|---|
| Less than 2″ | $50 | $100 |
| 2″ to 6″ | $200 | $300 |
| More than 6″ | $400 | $600 |
| No Stitches | $25 | $50 |
Cigna Crutches Coverage
Accident insurance includes benefits for mobility aids like crutches, typically $100-$200. This aids recovery from leg injuries by covering equipment costs. Durable medical equipment benefits extend to wheelchairs and braces as well, up to plan limits.
| Equipment | Payout |
|---|---|
| Crutches | $150 |
Cigna Short-Term Disability Payout
Replaces 60-70% of income for up to 26 weeks, with elimination periods of 7-14 days. Ideal for temporary illnesses or injuries preventing work, including maternity leave. Benefits coordinate with other income sources for comprehensive support, with auto-claim integration.
| Benefit | Details |
|---|---|
| Weekly Benefit | 60-70% of earnings |
| Duration | Up to 26 weeks |
| Elimination Periods | 7/14 days |
Cigna Chiropractic Visits Payout
Pays per visit for accident-related care ($25-$50 each, up to 10 visits). Helps manage ongoing pain from injuries. Focuses on rehabilitation after accidents, with discounts available through wellness programs.
| Visit Type | Payout |
|---|---|
| Initial Visit | $50 |
| Follow-up Visits | $25 each |
Cigna Blood Work Coverage
Wellness benefits cover preventive blood tests, up to $50-$100 annually. Encourages regular health checks for early detection. Part of the health screening benefit, reimbursing eligible tests like cholesterol or diabetes screenings, with incentives like $50 for completion.
| Treatment | Payout |
|---|---|
| Blood Tests | Up to $100 |
Cigna Torn Rotator Cuff Coverage
Accident insurance pays for surgical repair, typically $500-$1,000. Supports shoulder injury recovery from sports or falls. Includes therapy benefits post-surgery for full rehabilitation, as a specified accidental injury.
| Treatment | Payout |
|---|---|
| Surgical Treatment | $750 |
Cigna Hysterectomy Coverage
Hospital indemnity pays for admission and confinement; critical illness if related to cancer ($1,000-$2,000 admission). Covers major procedures with cash benefits. Includes daily confinement payouts during recovery, up to 30 days for indemnity riders.
| Procedure | Payout |
|---|---|
| Hysterectomy Admission | $1,500 |
Cigna Broken Tooth Coverage
Dental plans cover repairs like crowns (50-80% reimbursement) or extractions. Accident insurance adds $50-$150 for emergency dental. Essential for accidental dental damage, with no waiting periods for preventive in many plans.
| Treatment | Reimbursement |
|---|---|
| Crown Repair | 50-80% |
| Extraction | 50-80% |
Cigna Anesthesia Coverage
Included in surgery benefits under hospital indemnity, with additional payouts if applicable ($200-$500). Reduces costs for procedures requiring sedation. Often bundled with surgical indemnity benefits, limited to first 30 days of confinement.
| Procedure | Payout |
|---|---|
| Surgical Anesthesia | $350 |
Does Cigna Work with Medicaid?
Yes, Cigna supplemental plans complement Medicaid by covering non-medical costs during illnesses or accidents, filling gaps in coverage. They are ideal for dual-eligible individuals, with 2025 DSNP plans including living needs allowances for flexibility. Plans do not duplicate Medicaid but enhance with cash benefits.
Cigna Health Insurance Offerings
- Accident Insurance: Covers injuries.
- Hospital Indemnity: Pays for stays.
- Critical Illness: Lump sums for diagnoses.
- Cancer: Treatment benefits.
Cigna Back Injury Coverage
Accident insurance covers equipment and treatment for back injuries ($100-$300 for braces/wheelchairs). Provides support for common workplace or accidental strains, including therapy and braces. Benefits extend to related hospitalizations, with chiropractic integration.
| Equipment | Payout |
|---|---|
| Wheelchair | $200 |
| Back Brace | $150 |
| Walker | $100 |
Cigna Group Accident Insurance Payout
Family coverage for accidents, with benefits for treatment and hospital. Extends protection to spouses and children. Includes accidental death and dismemberment up to policy limits, with auto-claim processing.
Emergency Treatment Benefit
Pays $100-$200 for ER within 24 hours.
| Hospital Benefits | Member | Spouse | Child |
|---|---|---|---|
| Hospital Admission | $1,500 | $1,500 | $1,000 |
| Hospital Confinement (Per Day) | $200 | $200 | $150 |
| ICU (Per Day) | $400 | $400 | $300 |
Is Cigna Group Accident Insurance Worth It?
For active families or risky jobs, it provides essential coverage for unexpected costs, making it a valuable addition to primary insurance. The low premiums often outweigh potential out-of-pocket expenses in accidents, especially with integrated auto-claim features saving time.
Cigna Dental Insurance
Covers preventive (100%), basic (80%), and major (50%) services with 35-50% savings in-network. Promotes oral health with no or low deductibles. PPO and DHMO options available, with incentives like $100 increased max for annual cleanings in 2025.
| Procedure | Reimbursement |
|---|---|
| Preventive Care | 100% |
| Basic Treatment | 80% |
| Major Treatment | 50% |
Cigna Vision Insurance
Covers exams (100% in-network), eyewear with up to 60% savings. Includes discounts on LASIK. Bundled with dental in plans like Dental Vision Hearing 3500, offering $300 in benefits.
| Service | Reimbursement |
|---|---|
| Eye Exam | 100% |
| Glasses/Contacts | Up to 60% savings |
| Eye Surgery (LASIK Discount) | Discounted |
Cigna Wellness Benefit
Critical illness and hospital plans offer up to $50-$100 annually for screenings like mammograms or blood tests. Incentivizes preventive care to catch issues early. Covers over 50 health screenings, including immunizations and hearing tests, with discounts on nutrition and acupuncture.
Cigna Diabetes Coverage
Critical illness may pay lump sums for complications like end-stage renal failure (100% of benefit), up to $30,000. Helps manage chronic condition flares. Wellness includes blood glucose tests, with exclusions for Type II in some riders.
Cigna Heart Attack Coverage
Critical illness insurance provides a full lump-sum benefit upon diagnosis (100% of face amount, $10,000-$30,000), with recurrence after 6 months. Covers angioplasty and related treatments. Use funds for rehab, medications, or daily expenses during recovery.
Cigna Stroke Coverage
Pays 100% of initial benefit for ischemic or hemorrhagic stroke, with potential for multiple payouts up to total limit. Supports therapy and home care costs. Diagnosis requires neurological deficit lasting over 24 hours, with autopsy confirmation if deceased.
Cigna Burns Coverage
Accident insurance pays based on degree and body surface area, up to $10,000 for third-degree burns over 20%. Includes skin grafts and hospital stays. Essential for severe injury recovery, covering prosthetics if needed.
Cigna Concussion Coverage
Provides $150-$500 for diagnosis and treatment (via CT/MRI), plus ER benefits. Covers follow-up scans and therapy. Helps with cognitive rehab for sports or fall-related incidents.
Cigna Fracture Coverage
Lump-sum for broken bones, $200-$6,000 based on type (e.g., hip higher than finger). Chip fractures at 25%. Paid once per accident, aiding cast, surgery, or rehab costs.
Cigna Dislocation Coverage
Pays $200-$2,000 for joint dislocations like shoulder or knee, with partial for reductions. Covers relocation procedures. Partial dislocations at 25%, supporting immediate medical needs.
Payout Calculator
Use Cigna’s online tools at mycigna.com or contact a benefits counselor to calculate potential payouts based on your plan and income. Factors include benefit amount, elimination period, and duration, with auto-claim estimates available.
Plan Comparison
Compare features to find the best fit for your needs.
| Feature | Basic | Enhanced |
|---|---|---|
| Hospital Admission | $1,000 | $2,000 |
| Surgery Benefit | $500-$2,000 | $1,000-$5,000 |
| Accident Treatment | Up to $1,000 | Up to $3,000 |
| Wellness Benefit | $50 | $100 |
Frequently Asked Questions
How do I file a claim with Cigna?
File online via mycigna.com or app; claims processed in 10 business days. Provide documentation like bills or diagnosis reports for swift approval, with auto-file options for multi-policy holders.
Does Cigna cover pre-existing conditions?
Some plans have 6-12 month look-back exclusions for pre-existing conditions. Review policy disclosures carefully, especially for critical illness and indemnity riders.
How do I renew my Cigna policy?
Contact your employer or Cigna at 1-800-CIGNA24. Automatic renewals available for group plans, with no cancellation if premiums paid.
Customer Testimonials
Sarah L., Office Worker:
“Cigna’s accident insurance paid $2,500 for my daughter’s sports injury, covering ER and follow-up quickly with auto-claim.”
John M., Manager:
“After a critical illness, Cigna’s lump-sum payment of $20,000 helped with bills during recovery, plus wellness incentives.”