Cigna Global Insurance: Plan Levels and Options

Plan levels and annual maximums

Source: Cigna Global benefits page, October 2026. Deductible options run from $0 to $10,000, with 0% to 30% cost share. The customer guide controls.

Benefit limits differ by level. Advanced imaging, for example, is capped at $10,000 on Silver and $30,000 on Gold, and paid in full on Platinum. Out-of-area emergency hospitalization is $100,000 on Silver, $250,000 on Gold, and paid in full on Platinum.

Maternity and newborn care

Silver has no routine maternity cover. Gold and Platinum offer routine maternity after 12 months of cover, though Cigna notes waiting periods can be 24 months depending on where treatment happens. Newborn care is capped at $25,000 on Silver, $75,000 on Gold, and $156,000 on Platinum, and newborns may need medical underwriting.

Deductibles, cost share, and out-of-pocket limits

Cigna Global lets you choose a deductible of $0, $375, $750, $1,500, $3,000, $7,500, or $10,000, a cost share of 0% to 30% after the deductible, and an out-of-pocket maximum of $2,000 or $5,000. Higher deductibles and cost share lower the premium but raise what you pay when you need care.

Coverage area

You can choose worldwide coverage including the U.S. or excluding it. Plans without U.S. coverage include limited out-of-area emergency hospitalization, which Cigna caps by plan level. Cigna also lists restricted countries of residence and destinations, and U.S. citizens can’t be covered in certain U.S. territories, so confirm eligibility for where you live.

Pre-existing conditions

Cigna Global reviews medical history. Pre-existing conditions may be covered, excluded, covered at a higher premium, or limited, depending on the review. Ask for the underwriting decision in writing before you cancel any other coverage.

Comparing Cigna Global with other plans

Compare plan levels with similar plans from other insurers, such as BCBS Global Solutions’ long-term plans.

BCBS Global Solutions’ long-term plans are for people who live outside their home country at least three months a year. Its plan page lists Worldwide Premier for individuals and families, Worldwide Education for students and teachers, Worldwide Crew for maritime crews, and Worldwide Non-Profit for mission, volunteer, and humanitarian workers. Coverage is underwritten, so an application can be accepted, accepted at a higher rate, or declined, and plans without U.S. coverage are also available.

Pre-existing condition waiting periods apply: up to six months on Worldwide Premier without prior coverage, and 12 months on the Crew, Education, and Non-Profit plans, reduced month for month by prior coverage.

Getting a quote

Cigna Global quotes online and by phone, with prices shown in U.S. dollars. Its benefit table applies to annual policies starting or renewing on or after February 15, 2026; earlier policies follow their own documents. Blake Insurance Group can help you compare international plans available to us, but we may not be able to quote every insurer, including Cigna Global, in your situation.

Optional modules

Cigna Global builds plans from a core hospital plan plus optional modules. An October 2026 broker summary lists four: International Outpatient, Medical Evacuation, Health and Wellbeing, and Vision and Dental, each with its own deductible options and benefit maximum. Adding modules raises the premium, so choose the ones you expect to use, and keep evacuation in mind if you live far from major hospitals.

Questions to ask about Cigna Global

• Which plan level and modules fit my expected care, not just my budget?
• Will my pre-existing conditions be covered, excluded, or rated?
• Which hospitals near me bill Cigna directly?
• How do maternity waiting periods apply in my country?
• How will my premium change at renewal?

Cigna Global and Medicare

Americans 65 and older who live abroad may want to compare an international plan for care where they live, since Medicare generally doesn’t pay abroad.

Original Medicare generally does not pay for care outside the United States. Medicare.gov lists three narrow exceptions for foreign hospital care: an emergency that happens in the U.S. when a foreign hospital is closer than the nearest U.S. hospital that can treat you; an emergency while driving the most direct route between Alaska and another state through Canada; and living in the U.S. when a foreign hospital is closer to your home than the nearest U.S. hospital that can treat your condition.

Medicare Part D drug plans do not cover prescriptions you buy outside the U.S. On a cruise ship, Part B may pay for medically necessary care only if the ship is in a U.S. port or no more than six hours from one when you get care.

Some Medigap plans add a foreign travel emergency benefit. Plans C, D, F, G, M, and N pay 80% of billed charges for medically necessary emergency care that begins in the first 60 days of a trip, after a $250 yearly deductible, up to a $50,000 lifetime limit. Plans C and F are available only to people eligible for Medicare before 2020. Some Medicare Advantage plans cover emergencies abroad, but not all do, so check your plan's evidence of coverage for the words “foreign” or “worldwide.”

Why international coverage matters

The U.S. Department of State says the U.S. government does not pay medical costs for citizens traveling abroad, and that Medicare and Medicaid do not pay for medical care outside the United States. It recommends asking your U.S. health insurer what it covers overseas, buying travel health insurance if it does not, and buying medical evacuation insurance for trips to higher-risk areas or places with limited medical care.

The department also notes that trip cancellation insurance usually does not pay for medical costs abroad, and that some travel medical policies pay hospitals directly instead of reimbursing you later.

Checking a plan and insurer

• Who issues the plan. Find the insurer’s legal name on the quote, not just the brand or website.
• License. Confirm the insurer and agent are licensed in your state through your state insurance department or the NAIC’s company and producer searches.
• Pre-approval rules. Ask whether you must call the assistance line before treatment or evacuation, since some plans reduce or deny benefits if you don’t.
• Direct billing. Ask whether the plan can pay hospitals directly or whether you pay first and file a claim.
• Exclusions. Read the exclusions for pre-existing conditions, hazardous activities, alcohol, and travel to countries under government warnings.

What an independent agency does

An independent insurance agency is licensed to sell policies from several insurance companies. Instead of quoting one company's products, an independent agent can compare options from the insurers the agency represents, explain the differences in coverage, and help you re-shop at renewal. The insurance company, not the agent, makes underwriting and claim decisions.

Blake Insurance Group is an independent agency. We work with clients by phone, email, and online in states where we are licensed, and we will tell you which insurers we can quote for your situation.

How we work

Blake Insurance Group serves clients by phone, email, and online in states where we are licensed. The insurers and plans we can offer depend on our appointments and your location; a company named on this page may not be available through us.

How to verify an insurer or agency

Before buying through any website or app, confirm who is selling you the policy and who will issue it:

1. Find the licensed agency or insurer named in the site's footer, terms, or license page.
2. Look up the agency or producer on your state insurance department's license search, or through the National Insurance Producer Registry (NIPR).
3. Look up the insurer on your state insurance department's company search to confirm it is authorized in your state.
4. Save the insurer's name and policy number once issued, since that is who handles claims.

A legitimate service will make this information easy to find. Be cautious if you cannot identify the licensed entity.

Sources

We checked the facts on this page against the sources below in October 2026. Plans, prices, and rules change, so confirm current terms before you buy.

• Cigna Global: Plans and benefits
• International Citizens Insurance: Cigna Global summary (updated Oct. 2026)
• BCBS Global Solutions: Long-term plans for living abroad
• Medicare.gov: Travel outside the U.S.
• AARP: Does Medicare cover me outside the U.S.?
• U.S. Department of State: Insurance coverage overseas

What to have ready for an international health quote

These details help an agent quote accurately.

1. Traveler details. Names, dates of birth, and citizenship.
2. Where you will live. Country of residence and how long you will stay.
3. U.S. coverage needs. Whether you need coverage during visits home.
4. Health history. Long-term plans are medically underwritten.
5. Budget. Preferred deductible and annual maximum.

Cigna Global insurance FAQs

Related guides

• International health insurance plans
• Expat insurance
• Travel medical insurance
• Medical evacuation and repatriation
• International health insurance

Partner quote options

Your next step

Request a quote, and a licensed agent will compare options available to us for your trip or situation.