Pennsylvania Health Insurance

Affordable Pennsylvania Health Insurance Quotes

(888) 513-6446
Get Free Quotes
Compare
& Save

Cigna, one of the nation’s largest insurance companies, provides popular Pa health insurance options in the Keystone State. Senior Medicare products are offered in all counties and under-65 Marketplace plans are available in selected areas. You can instantly view rates and benefits through our website, and easily enroll online without paying any fees. Compare plans that cover pre-existing conditions, provide large federal subsidies that lower premiums, and find network providers, including physicians, specialists, hospitals, and other medical facilities.

Healthcare plans for workers or account holders provide 24/7/365 live customer service along with a mobile app and worldwide in-network emergency services. HRAs, HSAs, FSAs, and consumer driven health plans (CDHPs) are offered. Behavioral health, pharmacy, and telehealth services are integrated into plans to help meet consumer needs. Marketplace subsidies reduce rates for applicants under age 65 and a wide range of Senior products are also offered for Keystone State residents. Physical offices in the Keystone State are located in Philadelphia, Pittsburgh, East Stroudsburg, Moosic, King Of Prussia, Hermitage, New Stanton, Easton, New Milford, Moscow, and Erie.

 

About Cigna

Cigna was created with the merger of INA and Connect General in 1982. Headquartered in Connecticut, the carrier employs more than 70,000 workers worldwide, and provides coverage for more than 180 million persons in 30 countries. With more than 175,000 available mental/behavioral care providers and 65,000 pharmacies nationwide, finding in-network coverage is very easy. Ancillary products, including dental, vision, life, and group disability, are available with a full package of Senior Medicare and Medicaid products. Supplemental plans can substantially reduce your out-of-pocket expenses.

A focus on wellness has helped improve health and productivity among employees and policyholders. Health engagement consultants are provided to small and mid-size group accounts to support worker behavior. A “Healthy Rewards” program offers discounts on various services and products that consumers are likely to utilize. A “Health Matters” program consists of an assessment, incentives, and client reporting. Lifestyle management programs provide numerous resources, including online coaching, stress management, tobacco and weight cessation, and goal-setting.

 

 

Cigna Pennsylvania Under-65 Coverage

For 2022, plans are offered in the following five counties: Bucks, Chester, Delaware, Montgomery, and Philadelphia. Five Bronze-tier, six Silver-tier, and four Gold-tier policies are available. Catastrophic and Platinum options are not offered. Policies can be purchased through the Pennie Exchange or our website. There are no fees or costs. Virtual office visits with a dedicated virtual care physician are typically fully-covered. Rates and federal subsidies are identical in all five Pa counties. Plan descriptions are shown below:

Bronze Tier

Cigna Connect 8700 – $8,700 deductible with 0% coinsurance. Maximum out-of-pocket expenses are $8,700.

Cigna Connect 7800 –  $7,800 deductible with 50% coinsurance. Maximum out-of-pocket expenses are $8,700.

Cigna Connect 7800A –  $7,800 deductible with 50% coinsurance. Maximum out-of-pocket expenses are $8,700. $35 and $70 office visit copays. $3 preferred generic drug copay ($9 mail order).

Cigna Connect HSA 6000 –  $6,000 deductible with 50% coinsurance. Maximum out-of-pocket expenses are $7,000. HSA-eligible.

Cigna Connect 6800 Enhances Diabetes Care –  $6,800 deductible with 40% coinsurance. Maximum out-of-pocket expenses are $8,700. $45 and $90 office visit copays. $3 preferred generic drug copay ($9 mail order). $75 Urgent Care copay.

Silver Tier

Cigna Connect 5500 –  $5,500 deductible with 50% coinsurance. Maximum out-of-pocket expenses are $8,700. $20 and $75 office visit copays. $3 preferred generic drug copay ($9 mail order). Generic drug copays are $25 and $75. $35 Urgent Care copay.

Cigna Connect 4200 Enhanced Asthma COPD Care –  $4,200 deductible with 40% coinsurance. Maximum out-of-pocket expenses are $8,700. $15 and $75 office visit copays. $3 preferred generic drug copay ($9 mail order). Generic drug copays are $20 and $60. Preferred brand drug copays are $70 and $210 (mail order).$35 Urgent Care copay.

Cigna Connect 7300 –  $7,300 deductible with 0% coinsurance. Maximum out-of-pocket expenses are $7,300. $30 and $80 office visit copays. $3 preferred generic drug copay ($9 mail order). Generic drug copays are $35 and $105. $35 Urgent Care copay.

Cigna Connect 3600 –  $3,600 deductible with 30% coinsurance. Maximum out-of-pocket expenses are $8,700. $25 and $75 office visit copays. $3 preferred generic drug copay ($9 mail order). Generic drug copays are $35 and $105. Preferred brand drug copays are $75 and $225. $35 Urgent Care copay.

Cigna Connect 3500 Diabetes Care –  $3,500 deductible with 40% coinsurance. Maximum out-of-pocket expenses are $8,700. $10 and $80 office visit copays. $3 preferred generic drug copay ($9 mail order). Generic drug copays are $20 and $60. Preferred brand drug copays are $70 and $210. $35 Urgent Care copay.

Cigna Connect 2900 –  $2,900 deductible with 40% coinsurance. Maximum out-of-pocket expenses are $8,700. $25 and $75 office visit copays. $3 preferred generic drug copay ($9 mail order). Generic drug copays are $25 and $75. Preferred brand drug copays are $50 and $150. $35 Urgent Care copay.

Gold Tier

Cigna Connect 2500 –  $2,500 deductible with 25% coinsurance. Maximum out-of-pocket expenses are $7,750. $10 and $45 office visit copays. $3 preferred generic drug copay ($9 mail order). Generic drug copays are $20 and $60. Preferred brand drug copays are $50 and $150. $35 Urgent Care copay.

Cigna Connect 1000 –  $1,000 deductible with 25% coinsurance. Maximum out-of-pocket expenses are $8,700. $20 and $55 office visit copays. $3 preferred generic drug copay ($9 mail order). Generic drug copays are $25 and $75. $35 Urgent Care copay.

Cigna Connect 1250 Enhanced Diabetes Care –  $1,250 deductible with 20% coinsurance. Maximum out-of-pocket expenses are $7,500. $10 and $50 office visit copays. $2 preferred generic drug copay ($6 mail order). Generic drug copays are $10 and $30. Preferred brand drug copays are $50 and $150. $30 Urgent Care copay.

Cigna Connect 750 –  $750 deductible with 20% coinsurance. Maximum out-of-pocket expenses are $7,000. $10 and $50 office visit copays. $3 preferred generic drug copay ($9 mail order). Generic drug copays are $20 and $60. Preferred brand drug copays are $50 and $150. $35 Urgent Care copay.

 

Cigna Pa Monthly Rates (under 65) For Individuals And Families (Pennie Exchange)

 

25 Year-Old With $28,000 Household Income

$3 – Cigna Connect 8700

$4 – Cigna Connect 7800

$17 – Cigna Connect 7800A

$18 – Cigna Connect HSA 6000

$81 – Cigna Connect 2500

$84 – Cigna Connect 1000

 

30 Year-Old Married Couple And One Child With $57,000 Household Income

$8 – Cigna Connect 8700

$9 – Cigna Connect 7800

$54 – Cigna Connect 7800A

$57 – Cigna Connect HSA 6000

$252 – Cigna Connect 2500

$282 – Cigna Connect 1000

 

35 Year-Old Married Couple With $48,000 Household Income

$58 – Cigna Connect 8700

$58 – Cigna Connect 7800

$90 – Cigna Connect 7800A

$92 – Cigna Connect HSA 6000

$247 – Cigna Connect 2500

$253 – Cigna Connect 1000

 

40 Year-Old With $40,000 Household Income

$133 – Cigna Connect 8700

$134 – Cigna Connect 7800

$151 – Cigna Connect 7800A

$152 – Cigna Connect HSA 6000

$232 – Cigna Connect 2500

$236 – Cigna Connect 1000

 

40 Year-Old Married Couple And One Child With $71,000 Household Income

$195 – Cigna Connect 8700

$195 – Cigna Connect 7800

$240 – Cigna Connect 7800A

$242 – Cigna Connect HSA 6000

$452 – Cigna Connect 2500

$462 – Cigna Connect 1000

 

50 Year-Old With $46,000 Household Income

$180 – Cigna Connect 8700

$180 – Cigna Connect 7800

$204 – Cigna Connect 7800A

$205 – Cigna Connect HSA 6000

$318 – Cigna Connect 2500

$323 – Cigna Connect 1000

 

50 Year-Old Married Couple And Two Children With $85,000 Household Income

$157 – Cigna Connect 8700

$157 – Cigna Connect 7800

$227 – Cigna Connect 7800A

$230 – Cigna Connect HSA 6000

$561 – Cigna Connect 2500

$576 – Cigna Connect 1000

 

60 Year-Old Married Couple With $60,000 Household Income

$38 – Cigna Connect 8700

$39 – Cigna Connect 7800

$111 – Cigna Connect 7800A

$115 – Cigna Connect HSA 6000

$459 – Cigna Connect 2500

$474 – Cigna Connect 1000

 

60 Year-Old Married Couple With $80,000 Household Income

$249 – Cigna Connect 8700

$250 – Cigna Connect 7800

$322 – Cigna Connect 7800A

$326 – Cigna Connect HSA 6000

$670 – Cigna Connect 2500

$685 – Cigna Connect 1000

 

Senior Pennsylvania Cigna Insurance

 

Cigna Medicare Supplement Monthly Rates In Pennsylvania (65 Year-Old Female)

Bradford, Bucks, Chester, Delaware, Montgomery, and Philadelphia Counties

Plan N – $97

Plan A – $121

Plan B – $136

Plan G – $141

Plan F – $176

Berks, Susquehanna, Bradford, Luzerne, Lackawanna, Wyoming, Sullivan, Columbia, Wayne, Pike, Carbon, Schuylkill, Lehigh, Union, Snyder, Lycoming, Tioga, Clinton, Lancaster, Northampton, Cumberland, Adams, York, Franklin, Dauphin, Mifflin, Juniata, Perry, Mifflin, Huntingdon, Potter, Tioga, Centre, Clearfield, Mckean, Cambria, Bedford, Blair, Erie, Crawford, Warren, Clarion, Forest, Venango, Armstrong, Jefferson, Indiana, Mercer, Beaver, Lawrence, Butler, Somerset, Westmoreland, Elk, Counties

Plan N – $81

Plan A – $100

Plan B – $114

Plan G – $118

Plan F – $147

 

Fayette, Somerset, Washington, Allegheny, Greene, Westmoreland, and Beaver Counties

Plan N – $85

Plan A – $105

Plan B – $119

Plan G – $123

Plan F – $154

 

Cigna Medicare Supplement Monthly Rates In Pennsylvania (65 Year-Old Male)

Bradford, Bucks, Chester, Delaware, Montgomery, and Philadelphia Counties

Plan N – $108

Plan A – $134

Plan B – $151

Plan G – $157

Plan F – $196

Berks, Susquehanna, Bradford, Luzerne, Lackawanna, Wyoming, Sullivan, Columbia, Wayne, Pike, Carbon, Schuylkill, Lehigh, Union, Snyder, Lycoming, Tioga, Clinton, Lancaster, Northampton, Cumberland, Adams, York, Franklin, Dauphin, Mifflin, Juniata, Perry, Mifflin, Huntingdon, Potter, Tioga, Centre, Clearfield, Mckean, Cambria, Bedford, Blair, Erie, Crawford, Warren, Clarion, Forest, Venango, Armstrong, Jefferson, Indiana, Mercer, Beaver, Lawrence, Butler, Somerset, Westmoreland, Elk, Counties

Plan N – $108

Plan A – $134

Plan B – $151

Plan G – $157

Plan F – $196

 

Fayette, Somerset, Washington, Allegheny, Greene, Westmoreland, and Beaver Counties

Plan N – $94

Plan A – $117

Plan B – $132

Plan G – $137

Plan F – $171

 

 

Cigna Pennsylvania Part D Prescription Drug Plans

Cigna Essential Rx – Monthly premium is $33.20 with $480 deductible applying to all Tiers except 1 and 2. 3,134 formulary drugs are available and no additional gap coverage is provided. 30-Day Supply Cost-Sharing copays (Preferred Pharmacy) are $0 (Tier 1), $6 (Tier 2), 18% (Tier 3), 29% (Tier 4) and 25% (Tier 5). 90-Day Supply Cost-Sharing copays (Preferred Pharmacy) are $0 (Tier 1), $18 (Tier 2), 18% (Tier 3), 49% (Tier 4) and n/a (Tier 5). The Plan Summary Star Rating is 3.5. Currently, 7,295 members are enrolled in Pennsylvania, and 206,697 are enrolled throughout the US. The number of available drugs in each Tier are: Tier 1 – 149, Tier 2 – 596, Tier 3 – 524, Tier 4 – 1,414, and Tier 5 – 471.

Cigna Extra Rx – Monthly premium is $61.70 with $100 deductible applying to all Tiers except 1, 2, 3, and 6. 3,231 formulary drugs are available and some additional gap coverage is provided. 30-Day Supply Cost-Sharing copays (Preferred Pharmacy) are $4 (Tier 1), $10 (Tier 2), $42 (Tier 3), 50% (Tier 4) and 31% (Tier 5). 90-Day Supply Cost-Sharing copays (Preferred Pharmacy) are $12 (Tier 1), $30 (Tier 2), $126 (Tier 3), 50% (Tier 4) and n/a (Tier 5). The Plan Summary Star Rating is 3.5. Currently, 13,175 members are enrolled in Pennsylvania, and 334,151 are enrolled throughout the US. The number of available drugs in each Tier are: Tier 1 – 179, Tier 2 – 671, Tier 3 – 730, Tier 4 – 1,159, and Tier 5 – 484.

Cigna Secure Rx – Monthly premium is $36.80 with $480 deductible applying to all Tiers except except 1,2, and 6. 3,143 formulary drugs are available and no additional gap coverage is provided. 30-Day Supply Cost-Sharing copays (Preferred Pharmacy) are $1 (Tier 1), $2 (Tier 2), $20 (Tier 3), 50% (Tier 4) and 25% (Tier 5). 90-Day Supply Cost-Sharing copays (Preferred Pharmacy) are $12 (Tier 1), $30 (Tier 2), $126 (Tier 3), 50% (Tier 4) and n/a (Tier 5). The Plan Summary Star Rating is 3.5. Currently, 49,708 members are enrolled in Pennsylvania, and 868,540 are enrolled throughout the US. The number of available drugs in each Tier are: Tier 1 – 83, Tier 2 – 557, Tier 3 – 659, Tier 4 – 1,295, and Tier 5 – 473.

 

Cigna Pennsylvania Medicare Advantage Plans

Rates, benefits, and availability may vary depending upon your county of residence.

Cigna Alliance Medicare – HMO with $0 monthly premium, $0 deductible, and maximum out-of-pocket expenses (A and B) of $6,900. 3,473 available formulary drugs and 4.0 Summary Star Rating. Available drugs per Tier: 307 (Tier 1), 731 (Tier 2), 991 (Tier 3), 770 (Tier 4), and 674 (Tier 5). 14,355 members are enrolled in this plan in Pennsylvania. Office visit copays are $0 and $25, and Urgent Care and ER copays are $55 and $90. Diagnostic testing, lab services, and outpatient x-ray copays are $0-$50, $0, and $40. The inpatient hospital copay is $295 per day for 7 days, and the outpatient hospital copay is $0-$295. Occupational, physical, and speech and language therapy visit copays are $25. Coverage is also included for the following items: transportation services, bathroom safety devices, over-the-counter drugs, telehealth, short-duration meals, annual physicals, worldwide emergency transportation, and health education.

30-day preferred pharmacy drug prescription copays are $0 (preferred generic), $5 (generic), $42 (preferred brand, $95 (non-preferred), and 33% (specialty). 90-day preferred pharmacy drug prescription copays are $0 (preferred generic), $10 (generic), $126 (preferred brand, $285 (non-preferred), and n/a (specialty).

 

Cigna Fundamental Medicare – HMO with $0 monthly premium, and maximum out-of-pocket expenses (A and B) of $5,900. 4.0 Summary Star Rating. 669 members are enrolled in this plan in Pennsylvania. Office visit copays are $0 and $25, and Urgent Care and ER copays are $55 and $90. Diagnostic testing, lab services, and outpatient x-ray copays are $0-$50, $0, and $20. The inpatient hospital copay is $295 per day for 6 days, and the outpatient hospital copay is $0-$300. Occupational, physical, and speech and language therapy visit copays are $25. Coverage is also included for the following items: transportation services, bathroom safety devices, over-the-counter drugs, telehealth, short-duration meals, annual physicals, worldwide emergency transportation, and health education. Prescription drug benefits are not included.

 

Cigna Preferred Plus Medicare – HMO with $35 monthly premium, $0 deductible, and maximum out-of-pocket expenses (A and B) of $5,900. 3,473 available formulary drugs and 4.0 Summary Star Rating. Available drugs per Tier: 307 (Tier 1), 731 (Tier 2), 991 (Tier 3), 770 (Tier 4), and 674 (Tier 5). 10,666 members are enrolled in this plan in Pennsylvania. Office visit copays are $0 and $25, and Urgent Care and ER copays are $50 and $90. Diagnostic testing, lab services, and outpatient x-ray copays are $0-$50, $0, and $20. The inpatient hospital copay is $225 per day for 7 days, and the outpatient hospital copay is $0-$225. Occupational, physical, and speech and language therapy visit copays are $40. Coverage is also included for the following items: transportation services, bathroom safety devices, over-the-counter drugs, telehealth, short-duration meals, annual physicals, worldwide emergency transportation, and health education.

30-day preferred pharmacy drug prescription copays are $0 (preferred generic), $5 (generic), $42 (preferred brand, $95 (non-preferred), and 33% (specialty). 90-day preferred pharmacy drug prescription copays are $0 (preferred generic), $10 (generic), $126 (preferred brand, $285 (non-preferred), and n/a (specialty).

 

Cigna Preferred  Medicare – HMO with $135 monthly premium, $0 deductible, and maximum out-of-pocket expenses (A and B) of $4,900. 3,473 available formulary drugs and 4.0 Summary Star Rating. Available drugs per Tier: 307 (Tier 1), 731 (Tier 2), 991 (Tier 3), 770 (Tier 4), and 674 (Tier 5). 505 members are enrolled in this plan in Pennsylvania. Office visit copays are $0 and $35, and Urgent Care and ER copays are $55 and $90. Diagnostic testing, lab services, and outpatient x-ray copays are $0-$50, $0, and $40. The inpatient hospital copay is $275 per day for 7 days, and the outpatient hospital copay is $0-$275. Occupational, physical, and speech and language therapy visit copays are $40. Coverage is also included for the following items: transportation services, bathroom safety devices, over-the-counter drugs, telehealth, short-duration meals, annual physicals, worldwide emergency transportation, and health education.

30-day preferred pharmacy drug prescription copays are $0 (preferred generic), $5 (generic), $42 (preferred brand, $95 (non-preferred), and 33% (specialty). 90-day preferred pharmacy drug prescription copays are $0 (preferred generic), $10 (generic), $126 (preferred brand, $285 (non-preferred), and n/a (specialty).

 

Cigna True Choice Medicare – PPO with $0 monthly premium, $0 deductible, and maximum out-of-pocket expenses (A and B) of $7,200. 3,473 available formulary drugs and 3.5 Summary Star Rating. Available drugs per Tier: 307 (Tier 1), 731 (Tier 2), 991 (Tier 3), 770 (Tier 4), and 674 (Tier 5). 2,625 members are enrolled in this plan in Pennsylvania. Office visit copays are $0 and $35, and Urgent Care and ER copays are $55 and $90. Diagnostic testing, lab services, and outpatient x-ray copays are $0-$50, $0, and $40. The inpatient hospital copay is $295 per day for 6 days, and the outpatient hospital copay is $0-$335. Occupational, physical, and speech and language therapy visit copays are $35. Coverage is also included for the following items: transportation services, bathroom safety devices, over-the-counter drugs, telehealth, short-duration meals, annual physicals, worldwide emergency transportation, and health education.

30-day preferred pharmacy drug prescription copays are $0 (preferred generic), $5 (generic), $42 (preferred brand, $95 (non-preferred), and 33% (specialty). 90-day preferred pharmacy drug prescription copays are $0 (preferred generic), $10 (generic), $126 (preferred brand, $285 (non-preferred), and n/a (specialty).

 

Cigna True Choice Plus Medicare – PPO with $60 monthly premium, $0 deductible, and maximum out-of-pocket expenses (A and B) of $6,100. 3,473 available formulary drugs and 3.5 Summary Star Rating. Available drugs per Tier: 307 (Tier 1), 731 (Tier 2), 991 (Tier 3), 770 (Tier 4), and 674 (Tier 5). 213 members are enrolled in this plan in Pennsylvania. Office visit copays are $0 and $30, and Urgent Care and ER copays are $55 and $90. Diagnostic testing, lab services, and outpatient x-ray copays are $0-$50, $0, and $30. The inpatient hospital copay is $250 per day for 6 days, and the outpatient hospital copay is $0-$250. Occupational, physical, and speech and language therapy visit copays are $30. Coverage is also included for the following items: transportation services, bathroom safety devices, over-the-counter drugs, telehealth, short-duration meals, annual physicals, worldwide emergency transportation, and health education.

30-day preferred pharmacy drug prescription copays are $0 (preferred generic), $5 (generic), $42 (preferred brand, $95 (non-preferred), and 33% (specialty). 90-day preferred pharmacy drug prescription copays are $0 (preferred generic), $10 (generic), $126 (preferred brand, $285 (non-preferred), and n/a (specialty).

 

Cigna Achieve Medicare – HMO C-SNP with $0 monthly premium and $0 deductible. 3,473 available formulary drugs and 4.0 Summary Star Rating. Available drugs per Tier: 307 (Tier 1), 731 (Tier 2), 991 (Tier 3), 770 (Tier 4), and 674 (Tier 5). 213 members are enrolled in this plan in Pennsylvania. Office visit copays are $0 and $30, and Urgent Care and ER copays are $55 and $90. Diagnostic testing, lab services, and outpatient x-ray copays are $0-$50, $0, and $40. The inpatient hospital copay is $285 per day for 7 days, and the outpatient hospital copay is $0-$295. Occupational, physical, and speech and language therapy visit copays are $35. Coverage is also included for the following items: transportation services, bathroom safety devices, over-the-counter drugs, telehealth, short-duration meals, annual physicals, worldwide emergency transportation, and health education.

30-day preferred pharmacy drug prescription copays are $0 (preferred generic), $5 (generic), $42 (preferred brand, $95 (non-preferred), and 33% (specialty). 90-day preferred pharmacy drug prescription copays are $0 (preferred generic), $10 (generic), $126 (preferred brand, $285 (non-preferred), and n/a (specialty).

Cigna TotalCare – HMO D-SNP with $0 monthly premium and $0 deductible. 3,473 available formulary drugs and 4.0 Summary Star Rating. Available drugs per Tier not available. 15,267 members are enrolled in this plan in Pennsylvania. Office visit copays are $0 or $0-20%, and Urgent Care and ER copays are $0-20% and $0 or $90. Diagnostic testing, lab services, and outpatient x-ray copays are 0%. The inpatient hospital copay is $0 or $310 per day for 5 days, and the outpatient hospital copay is 0%-20%. Occupational, physical, and speech and language therapy visit copays are 0%-20%. Coverage is also included for the following items: transportation services, bathroom safety devices, over-the-counter drugs, telehealth, short-duration meals, annual physicals, worldwide emergency transportation, and health education.

30-day preferred pharmacy drug prescription copays are 15%. 90-day preferred pharmacy drug prescription copays are 15%.

 

Cigna TotalCare Plus – HMO D-SNP with $0 monthly premium and $0 deductible. 3,473 available formulary drugs and 4.0 Summary Star Rating. Available drugs per Tier not available. 2,219 members are enrolled in this plan in Pennsylvania. Office visit copays are $0 and Urgent Care and ER copays are $0. Diagnostic testing, lab services, and outpatient x-ray copays are 0%. The inpatient hospital copay is $0 or $310 per day for 5 days, and the outpatient hospital copay is 0%-20%. Occupational, physical, and speech and language therapy visit copays are 0. Coverage is also included for the following items: transportation services, bathroom safety devices, over-the-counter drugs, telehealth, short-duration meals, annual physicals, worldwide emergency transportation, and health education.

30-day preferred pharmacy drug prescription copays are $0. 90-day preferred pharmacy drug prescription copays are $0.

 

Pa Supplemental Coverage

 

Additional Supplemental Coverage

Lump Sum Heart Attack And Stroke – Cash benefit helps with daily and medical out-of-pocket expenses. Base policy provides maximum benefit of $5,000-$100,000. Policies issued from ages 18-99, and dependent coverage is available. Base policy covers heart attack, stroke, heart transplant, angioplasty, coronary artery bypass surgery and other conditions. Monthly premium is approximately $18-$20.

Lump Sum Cancer – Cash benefit helps with daily and medical out-of-pocket expenses if you are diagnosed with cancer. Base policy provides maximum benefit of $5,000-$100,000. Policies issued from ages 18-99, and dependent coverage is available. Base policy covers specific forms of cancers listed in policy. Monthly premium is approximately $18-$20.

Cancer Treatment – Receive cash benefits for cancer treatment and other covered events. Hospital stays and surgeries are common covered items. Radiation treatments and chemotherapy are additional covered events. Policies issued from ages 18-99, and dependent coverage is available. Base policy covers specific forms of cancers listed in policy. Monthly premium is approximately $17-$19.

Hospital Indemnity – Fixed benefit dollar amount is provided to pay expenses. Deductibles, transportation, and rehabilitation are common covered items. There are no restrictions on how you spend the money. Any hospital can be used since there are no network restrictions. Several yes-no questions are required to be answered when applying for coverage. The policy is guaranteed renewable for life. Monthly premium is approximately $6-$8.

Additional Pa health insurance companies offer supplemental plans, including AFLAC.

 

 

Cigna Dental Plans

Cigna Dental 1500 -$50 individual and $150 family calendar year deductibles. $1,500 calendar year maximum for Class I, II, and III services. Lifetime $50 per person orthodontia deductible and lifetime $1,000 per person maximum. No charge for Class I preventative/diagnostic services, including oral exams, routine x-rays, routine cleanings, sealants, fluoride treatment, and non-orthodontic space maintainers. Policyholder pays 20% of contracted fee for Class II basic restorative services, including non-routine x-rays, fillings, routine tooth extraction and emergency treatment. A six-month waiting period applies.

Policyholder pays 50% of contracted fee for Class III major restorative services, including periodontal deep cleaning and maintenance, root canal therapy, crowns, impacted teeth extractions, complex tooth extractions, and dentures, partials, and bridges. A 12-month waiting period applies. Policyholder pays 50% of of contracted fee for Class IV orthodontia services. A 12-month waiting period applies.

Oral exams provided per person for consecutive six-month periods and one set of bitewings in any consecutive 12-month period. Four films per set are allowed. Fluoride treatment offered once per year for policyholders less than age 14. Sealants provided one time per tooth per lifetime. Non-routine x-rays covered (panorex or full mouth) once per consecutive 60-month period. Re-treatment of a previous root canal  is covered if 24 months have passed since the initial treatment. Crowns and bridges are covered (one per tooth) per 84-month period.

Additional information: $0 copay for adult cleanings ($62 out-of-network). $29 estimated out-of-pocket costs for basic services and fillings ($167 out-of-network). $361 estimated out-of-pocket costs for major services and crowns ($992 out-of-network). $2,909 estimated out-of-pocket costs for orthodontia ($5,752 out-of-network). More than 90,000 in-network providers and more than 300,000 locations available countrywide. No referral needed to visit a specialist. Replacement of teeth that are missing prior to policy effective date are not covered.

 

Cigna Dental 1000 -$50 individual and $150 family calendar year deductibles. $1,000 calendar year maximum for Class I, II, and III services. Lifetime $1,000 per person maximum. No charge for Class I preventative/diagnostic services, including oral exams, routine x-rays, routine cleanings, sealants, fluoride treatment, and non-orthodontic space maintainers. Policyholder pays 20% of contracted fee for Class II basic restorative services, including non-routine x-rays, fillings, routine tooth extraction and emergency treatment. A six-month waiting period applies.

Policyholder pays 50% of contracted fee for Class III major restorative services, including periodontal deep cleaning and maintenance, root canal therapy, crowns, impacted teeth extractions, complex tooth extractions, and dentures, partials, and bridges. A 12-month waiting period applies. Class IV orthodontia services are not covered.

Oral exams provided per person for consecutive six-month periods and one set of bitewings in any consecutive 12-month period. Four films per set are allowed. Fluoride treatment offered once per year for policyholders less than age 14. Sealants provided one time per tooth per lifetime. Non-routine x-rays covered (panorex or full mouth) once per consecutive 60-month period. Re-treatment of a previous root canal  is covered if 24 months have passed since the initial treatment. Crowns and bridges are covered (one per tooth) per 84-month period.

Additional information: $0 copay for adult cleanings ($62 out-of-network). $29 estimated out-of-pocket costs for basic services and fillings ($167 out-of-network). $361 estimated out-of-pocket costs for major services and crowns ($992 out-of-network). More than 90,000 in-network providers and more than 300,000 locations available countrywide. No referral needed to visit a specialist. Replacement of teeth that are missing prior to policy effective date are not covered.

 

Cigna Dental Preventative – Payment level based on provider’s contracted fees for services. No charge for Class I preventative/diagnostic services, including oral exams, routine x-rays, routine cleanings, sealants, fluoride treatment, and non-orthodontic space maintainers.Class II, III, and IX services not covered.

Oral exams provided per person for consecutive six-month periods and one set of bitewings in any consecutive 12-month period. Four films per set are allowed. Fluoride treatment offered once per year for policyholders less than age 14. Sealants provided one time per tooth per lifetime. Non-routine x-rays are not covered.

Additional information: More than 90,000 Cigna network providers and more than 300,000 locations available countrywide. No referral needed to visit a specialist. Replacement of teeth that are missing prior to policy effective date are not covered.