Cigna: Choice Hospital Indemnity Now Available in New States!

Choice Hospital Indemnity Available to sell now in AR, IL, LA, MI, MO, NC, NV, OK, & TN.

You can now offer your customers protection from out-of-pocket hospital¹ expenses with a new Cigna Healthcare^SM Choice Hospital Indemnity insurance policy.

With three plan levels and four optional riders, your customers can choose the coverage that best suits their needs and budget. The base plan is available for ages 18-89, guaranteed renewable for life,² and pays benefits³ when an individual is admitted to an observation room, is confined in a hospital, or has a stay in a mental health or substance use facility.⁴ Some of the additional features include:

• The Choice Core plan starts at $6.45/month for a 65-year-old primary applicant and rates do not increase due to age, health status or claims.⁵
• Guaranteed issue for ages 64–70 on select plans and simplified underwriting for all other ages with immediate notification of eligibility.⁶
• An unlimited number of hospital confinements for different covered injuries or illnesses with no restoration period requirement.⁷

Plus, you'll also earn a $25 bonus for every qualifying Choice Hospital Indemnity application you write each month through December 31, 2024, with a minimum of five qualifying Cigna Healthcare Supplemental Health product applications.⁸ Bonuses are paid the month following policy approval, so you receive what you earn quickly.

Visit the Choice Hospital Indemnity broker resource site to register for upcoming training webinars and to get all you need to start selling now in AR, IL, LA, MI, MO, NC, NV, OK, & TN.

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_{1. The term hospital does not include a clinic, facility, or unit of a hospital for: rehabilitation, hospice care, extended care, custodial, educational, or nursing home for the aged, chemically dependent or alcohol dependent.}

_{2. Subject to the company’s right to increase premiums on a class basis..}

_{3. Benefits may vary by state and all benefits payable are subject to the terms and conditions of the policy.}

_{4. Observation Room Benefit is paid beginning at 6 hours. Hospital Confinement Benefit is paid beginning at 12 hours. Mental Health Indemnity Confinement Benefit and Substance Use Disorder Confinement Treatment Benefit are paid beginning at 18 hours.}

_{5. Rate as of August 1, 2024, and based on a 65-year-old primary applicant with the Choice Core, $100 per day for 3 days policy in Georgia.}

_{6. Guaranteed issue is available with the Choice Core, Option 2, $100–$400 per day for days 3,5,7,10 plans with no riders. The primary applicant must be the oldest applicant and age 64–70; their spouse and children qualify as guaranteed issue.}

_{7. Unlimited number of hospital confinement benefits if the confinements are for different covered injuries or illnesses, or there are 60 days between admissions for the same covered injury or illness.}

_{8. Incentive is available in all states where product is sold. Qualifying Cigna Healthcare Supplemental Health products include Cancer Treatment, Choice Accident, Choice Hospital Indemnity, Choice Short Term Care, Flexible Choice Cancer and Heart Attack & Stroke, Flexible Choice Hospital Indemnity, and Accident Treatment, insured by Loyal American Life Insurance Company (LOYAL).}

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