The number of uninsured children in 2003 was 8.4 million - or 11.4 percent of all children.
CIGNA
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CIGNA has an established reputation and position in the health insurance after years of outstanding customer service and member support. Their commitment to the health and happiness of their members has established CIGNA in the Business of Caring®. CIGNA specializes in group policies, helping employers to make the best decisions for their employees' benefit coverage.
Although CIGNA does not offer coverage for individual purchase, they do offer a suite of products which will protect your family and provide outstanding safety and security if your employer chooses to elect their service. CIGNA maintains a firm commitment to the satisfaction of their member base, and to that end continues to expand its benefit features even beyond standard product coverage. Their Health and Wellness programs include Weight Loss assistance, a Healthy Rewards discount program, and Well Aware for members suffering from chronic illness.
CIGNA Choice FundSM: This HSA option offers a wide variety of coverage choices to help individuals and families build their own coverage through the application of a Health Savings Account or Health Reimbursement Arrangement to a High Deductible Health Plan. HSA members save their monthly premium in a tax-advantaged savings account, and then have the flexibility to apply those funds to healthcare expenses however they see fit.
CIGNA Health Management Organization (HMO): This HMO product is an affordable healthcare solution which provides a broad level of coverage at a lower price level. As a member of an HMO, your healthcare is managed by a Primary Care Physician, who not only provides the majority of your care, but also is responsible for referrals and enabling any additional treatment. Out-of-network treatment is not covered in an HMO.
CIGNA Indemnity: A traditional fee-for-service plan, this product offers maximum flexibility in coverage choices, without the restrictions of a provider network. Indemnity members can visit any doctor, no Primary Care Physician or referral is required, and all claim filing is handled by the patient.
CIGNA OpenAccess and OpenAccess Plus: These plans offer members open access to specialists, with no referral from their Primary Care Physician. PCPs are still strongly encouraged, but no longer required. Enjoy higher level of benefits for in-network care than with out-of-network care, and no claim forms required for in-network treatment. This plan is available in two primary facets, HMO Open Access/Network Open Access and Point-of-Service Open Access.
CIGNA Point Of Service: This POS option gives members a unique choice in their healthcare, as you are allowed to choose any doctor in or out of network, but will receive varying levels of benefits. Primary Care Physicians are required, and this PCP will coordinate all in-network authorizations and referrals. Control your costs as well as your coverage, and enjoy the freedom to customize your coverage at the 'point of service'.
CIGNA Preferred Provider Organization: The CIGNA PPO product gives members the freedom to see any licensed provider with both in and out-of-network benefits. No PCP is necessary, nor referrals or claim forms for in-network visits. PPO coverage offers a higher benefit level for in-network care, and enables you to control your spending by making choices which directly dictate your out-of-pocket costs.
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Family-Health-Insurance reviews insurance services to provide information on products and options, but is not an insurer or a licensed agency. The above summary does not suggest any authorization or license to sell or offer insurance products. If you choose to request a quote, we cannot guarantee that you will receive a quote from any carrier profiled on this site. We cannot make any guarantee regarding the carrier affiliation of any broker, agent or company that may provide quotes for you. Coverage and policies described on this site may not be available in all states, and no guarantees regarding same are made herein.
