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Cigna Arizona

Cigna Healthcare of Arizona, Inc., has established a significant presence in Arizona, serving as one of the state’s oldest and largest health plans. Founded in 1972, Cigna Healthcare of Arizona has provided health care coverage and employee benefits to employees of companies throughout Arizona for over four decades. This long history underscores its commitment to the health and wellness of Arizonans, offering a range of insurance products designed to meet the diverse needs of its customer base.

Cigna’s offerings in Arizona encompass a variety of health insurance plans tailored to individuals, families, and small businesses. These plans are designed to offer comprehensive coverage, including preventive care, emergency services, and treatment for chronic and acute conditions. Cigna’s health plans in Arizona are offered through Cigna HealthCare of Arizona, Inc., ensuring residents have access to a network of quality healthcare providers and facilities.

Cigna Healthcare of Arizona’s dedication to the health and well-being of its members is further evidenced by its collaborative accountable care initiatives with local healthcare providers, such as Banner Health Network. These initiatives aim to improve patient access to healthcare, enhance care coordination, and achieve better health outcomes, all while managing healthcare costs effectively.

The company’s evolution and rebranding efforts, including the recent transition to Cigna Healthcare, signify a renewed focus on being a health benefits provider that guides customers through the healthcare system, empowering them with the information needed to make informed health decisions. This evolution reflects Cigna’s ongoing commitment to improving the health, well-being, and peace of mind of those it serves.

Cigna’s growth and adaptability, demonstrated by its expansion into the ACA Marketplace and its ability to offer more customers access to quality, cost-effective care, further highlight its role as a key player in Arizona’s health insurance landscape. By expanding its presence and enhancing its product offerings, Cigna continues to meet the evolving needs of Arizona’s residents and businesses.

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Health Insurance Plans

cigna arizona

Cigna offers a variety of health insurance plans in Arizona tailored to meet the needs of individuals, families, and small businesses. These plans are designed to provide comprehensive coverage, including preventive care, emergency services, and treatment for chronic and acute conditions.

One of the specific plans offered by Cigna in Arizona is the bronze-level HMO plan known as Cigna Connect 6400. Like others offered by Cigna, this plan includes coverage for preventive care at no additional cost. However, some preventive care services, such as most immunizations for travel, may not be covered.

The cost of Cigna’s health insurance plans can vary based on the specific plan and the individual’s circumstances. On average, Cigna’s rate for a Silver plan is $18 cheaper per month than the national cost of a Silver plan, which is $584 per month. However, in some states, including Arizona, Cigna’s rates are more expensive than the state average. For specific costs and details of coverage, individuals are advised to review their plan documents or contact a Cigna Healthcare representative.

Eligibility for Cigna’s health insurance plans in Arizona is typically determined during the Open or Special Enrollment Period. During these periods, individuals may qualify for a premium tax credit and a cost-sharing reduction to help lower their health insurance costs. However, the eligibility requirements for these periods may change, and individuals are advised to check the current requirements.

In addition to these standard health insurance plans, Cigna, in partnership with Oscar, offers innovative health plans for small businesses. These plans are designed to provide affordable and member-first health insurance products across 15 Arizona counties.

Dental Insurance Plans

Cigna offers a variety of dental insurance plans that provide coverage for preventive care, routine check-ups, and more complex dental procedures. The benefits, cost, and network of dental professionals associated with these plans can vary.

One of the specific plans offered by Cigna is the Cigna Dental 1000, which includes benefits such as $0 dental check-ups, including cleanings and routine x-rays, and up to $1,500 in benefits. The average monthly premium for this plan is as low as $20, with deductibles ranging from $0-$50[1]. Another plan, the Cigna Dental 1500, offers similar benefits with an average monthly premium of $39 and a $50 individual and $150 family annual deductible.

Most of Cigna’s dental plans cover 100% for preventive dental services, although a copay may be required during the visit. For more complex dental procedures, the cost can vary and may be subject to coinsurance.

Cigna’s dental plans use the national Cigna DPPO Advantage network, which includes a wide range of dental professionals. Individuals can find a dentist using the Cigna Health Care Provider Directory. Dentists wishing to join Cigna’s network can do so through credentialing.

In addition to these standard dental insurance plans, Cigna also offers the Cigna Dental Care (DHMO) plan in certain states. This plan offers premium savings of up to $1,112 per year over traditional dental PPO and indemnity plans, with no deductible, no waiting periods or calendar year dollar maximums, and predictable costs based on the patient charge schedule.

Vision Insurance Plans

Cigna offers a variety of vision insurance plans designed to meet the needs of individuals and families, providing coverage for routine eye exams, prescription eyewear, and more. These plans are structured to ensure access to quality vision care and a broad network of eye care professionals.

Vision Preferred Provider Organization (VPPO)

The Cigna Healthcare Vision PPO plan is available through employers and offers access to an extensive specialty network of optometrists, ophthalmologists, and nationally recognized eye care retailers. Key features of this plan include:

– **In-Network Savings**: Substantial savings when choosing an in-network provider, with a copay required at the time of service for in-network services. This includes any amount over the plan’s allowance for materials such as eyeglass frames and contact lenses.

– **Out-of-Network Coverage**: While you can receive care from out-of-network providers, you will pay the full cost at the time of service and must submit a claim for reimbursement.

– **Exclusions**: Generally, exams and materials required by an employer, medical or surgical treatment of the eyes, and experimental or non-conventional treatments or devices are not covered. Some plans may limit coverage to materials only.

Non-Routine Eye Care

Cigna’s medical plans cover non-routine vision care, including examining, treating, and managing eye conditions or diseases such as cataracts, glaucoma, diabetic retinopathy, and more. However, unless members also have routine vision coverage, they would be responsible for non-medical services like refractions and eyewear costs.

Vision Network and Finding Providers

– Cigna’s vision network is distinct from its health networks, with its own eye care professionals. You can use the Cigna Vision Directory available on or the Cigna website to find a quality eye doctor in your area.

– Eye care professionals interested in joining the Cigna vision network can do so through a credentialing process managed by EyeMed.

Coverage Details

– **Routine Eye Exams**: Covered under the plan, with frequency and dollar limitations on certain services. For example, you may be limited to one eye exam per year, or your plan may only cover certain vision expenses up to a specific dollar amount.

– **Prescription Eyewear**: Coverage may include lenses (glasses), frames, and contact lenses, subject to the plan’s limitations.

Additional Benefits

– **Savings Program**: Minimum 20% savings on additional purchases of frames or lenses, including lens options, with a valid prescription. This savings does not apply to contact lens materials.

Individuals are advised to refer to their plan documents or contact Cigna directly for the most accurate and up-to-date information on coverage, costs, and network providers. This ensures members can fully understand and utilize their vision insurance benefits effectively.

Coverage for Pre-existing Conditions

Like all health insurance providers operating under the Affordable Care Act (ACA), Cigna must cover pre-existing conditions. This means that health problems an individual had before the start date of new health coverage cannot be used to deny coverage or charge more for health insurance. Pre-existing conditions can include a wide range of health issues, from chronic illnesses like diabetes and lupus to mental health conditions such as depression.

Impact of the Affordable Care Act

The ACA has had a significant impact on how pre-existing conditions are treated by health insurance companies:

– **Prohibition of Coverage Denial**: Health insurers cannot refuse coverage or charge higher premiums based on pre-existing conditions.

– **Uniform Pricing**: Insurers cannot charge women more than men for the same coverage.

– **Grandfathered Plan Exception**: The only exception to this rule is for grandfathered individual health insurance plans, which are plans purchased before March 23, 2010. These plans are not required to cover pre-existing conditions.

Cigna’s Approach to Pre-existing Conditions

Cigna, in compliance with the ACA, provides coverage for pre-existing conditions, including mental health conditions like depression. When purchasing a health plan through the Health Insurance Marketplace, individuals must select a plan that offers coverage for mental health and substance use or behavioral health to have coverage for pre-existing conditions like depression.

Chronic Condition Management

Cigna also offers chronic condition management programs designed to provide continuous, personalized support from health advocates. These programs are based on evidence-based guidelines and aim to help individuals manage their health effectively, including medication adherence and understanding risk factors.

Mental and Behavioral Health Coverage

Cigna’s health plans typically include coverage for mental and behavioral health, which encompasses treatment for conditions like depression. This coverage is part of the essential health benefits that must be included in all ACA-compliant health plans.

Cost and Affordability of Cigna Insurance Plans in Arizona

Cigna offers a range of health insurance plans in Arizona, with costs varying based on the level of coverage, individual circumstances, and whether financial assistance is available. Here are some key points regarding the cost and affordability of Cigna’s insurance plans:

Premium Costs

¬†Still, they are influenced by factors such as the plan level (e.g., bronze, silver, gold), the insured’s age, and the region within Arizona. Cigna’s plans may include virtual care starting at no additional cost and $0 preventive care for eligible services.

Comparison with Other Providers

Cigna’s rates for a Silver plan are, on average, $18 cheaper per month than the national cost of a Silver plan. However, Cigna’s rates may be more expensive in Arizona than the state average. It’s important to compare Cigna’s offerings with other providers in the state, such as Blue Cross Blue Shield and BannerAetna, to determine the most cost-effective option for an individual’s needs.

Financial Assistance

Individuals may qualify for financial assistance, such as premium tax credits and cost-sharing reductions, which can help lower the cost of health insurance. Eligibility for these subsidies is based on household size and income, and individuals can find out what they’re eligible for during the Open Enrollment Period or Special Enrollment Period.

Out-of-Pocket Expenses

Out-of-pocket expenses, such as copays, coinsurance, or deductibles, will vary based on the chosen plan. Some plans may offer prescription drugs with a maximum out-of-pocket cost for a 30-day supply. It’s crucial to review plan documents for detailed information on coverage and associated costs.

Network and Accessibility

Cigna’s health plans are offered through Cigna HealthCare of Arizona, Inc., providing residents access to a network of healthcare providers and facilities. The size and accessibility of the provider network can also affect the overall value and cost-effectiveness of the insurance plan.

Virtual Care and Telehealth Services of Cigna

Cigna offers its policyholders various virtual care and telehealth services, providing convenient and cost-effective healthcare solutions. These services can be accessed through the myCigna account or the Cigna Wellbeing app.

Services Offered

Cigna’s virtual care services include preventive, routine, and specialist referrals. Policyholders can connect with board-certified providers 24/7 via video or phone for minor health issues. Providers can send prescription orders directly to the pharmacy if needed, and wellness exams and appointments for urgent care issues may also be available virtually.

Cigna also partners with MDLIVE to offer fast, hassle-free healthcare anytime, anywhere. This includes primary care, preventive care with a virtual wellness screening, and routine care to manage ongoing conditions. The preventive care benefit includes a health risk assessment and wellness screenings, which are covered at no cost to the policyholder, along with associated lab work for the visit.

Benefits of Virtual Care

Virtual care offers several benefits to policyholders. It provides quick access to care without waiting rooms and is available 24/7 for various minor healthcare questions and concerns. Virtual care can be accessed anywhere, making it a convenient option. It’s also cost-effective, as a virtual consultation for a minor medical issue typically costs less than an ER or urgent care visit and may even be less than an in-office Primary Care Provider (PCP) visit.

Research conducted by Cigna with MDLIVE shows that virtual providers effectively reduce unnecessary emergency room or urgent care visits, thereby reducing healthcare costs. A Cigna actuarial study found that patients who saw MDLIVE providers during urgent care visits saved an average of $118 for each episode of care.

Expanded Services

Cigna has expanded its virtual care services through MDLIVE, offering digital-first primary, dermatology, behavioral, and urgent care. These innovative plans include $0 copays with MDLIVE primary care providers, comprehensive chronic condition management and care navigation, and no referral requirements for in-person visits with in-network healthcare providers.

Cigna Medicare Products in Arizona

Cigna offers Medicare Advantage plans to residents of Arizona, providing an alternative to Original Medicare with additional benefits. Here’s an overview of the Medicare products Cigna offers in the region:

Medicare Advantage Plans (Part C)

Cigna’s Medicare Advantage plans, or Part C, combine Medicare Parts A and B, often including prescription drug coverage (Part D). These plans may offer additional benefits not covered by Original Medicare, such as vision, dental, and hearing coverage.

Plan Types and Coverage

Cigna provides Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) Medicare Advantage plans in Arizona. These plans offer different levels of coverage and network flexibility:

– **HMO Plans**: Require members to use healthcare providers within the Cigna network and typically need a referral to see a specialist.

– **PPO Plans**: Offer more flexibility, allowing members to see providers outside the network, usually at a higher cost.

Additional Benefits

Some Cigna Medicare Advantage plans may include extra benefits, such as allowances for over-the-counter (OTC) prescriptions, transportation services, and programs like the Cigna Healthy Today Card, which can be used for health-related items and services.

Provider Network

Cigna has a network of healthcare providers that accept its Medicare Advantage plans. Providers include a range of specialists, urgent care centers, and hospitals. The network’s size and the availability of providers can affect the convenience and accessibility of care for enrollees.

Costs and Premiums

While specific premium costs for Cigna’s Medicare Advantage plans in Arizona are not detailed in the search results, these plans often have low or no monthly premiums. However, costs vary based on the plan’s coverage level and the enrollee’s location within Arizona.

Enrollment and Eligibility

Eligibility for Cigna’s Medicare Advantage plans typically requires individuals to be enrolled in Medicare Parts A and B and reside in the plan’s service area. Enrollment periods include the Initial Enrollment Period, the Annual Election Period, and Special Enrollment Periods for qualifying life events.

Claims and Appeals

Cigna provides information for healthcare providers on how to submit claims, appeals, and disputes for services provided to members with Medicare Advantage plans. This includes specific addresses and fax numbers for submitting documentation.

Customer Support

Cigna offers resources for healthcare providers and members to get support and information regarding Medicare Advantage plans. This includes online portals and customer service contact information.

Why Choose an Independent Cigna Agent?

Working with an independent Cigna agent like myself opens many options and personalized guidance. I’ll take you through the nitty-gritty and work in your best interests to identify the perfect plans and options, prioritizing your health and budget.

As an insurance agent, I’ve collaborated with various healthcare service providers. Cigna, especially Cigna Arizona, has consistently impressed me with its comprehensive plans, exceptional customer service, and commitment to community health. Its network and resources are unmatched, making it a top choice for anyone seeking healthcare services.”* – Blake Nwosu (Insurance Agent, Arizona).


Your health is an invaluable asset. Investing in a healthcare provider like **Cigna Healthcare Arizona**, with its vast array of services, unwavering support, and mission-driven approach, is a step in safeguarding your health and your peace of mind. Get in touch with **Cigna Arizona** and embark on a journey towards a healthier, happier you.