Cigna Hospital Care insurance

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Cigna Group Insurance®

ADDITIONAL PROTECTION FOR THE UNEXPECTED. Cigna Hospital Care Insurance

Employee benefits are evolving and so is the role of voluntary benefits. As more costs and responsibilities shift to individuals, voluntary benefits offer a win-win solution for you and your employees. They can help your employees get a greater sense of financial protection. And you get an enhanced benefits strategy that can help your workforce get healthier. Cigna is positioned to add value through our voluntary solutions. We have the capabilities and insights to bring a connected approach to your overall benefits strategy. Our holistic view of health allows us to deliver personalized, proactive support. One way we do this is through Cigna Hospital Care insurance.

Benefits to fit employee needs

Additional financial protection starts here

A hospital stay can happen at any time. It may be unexpected and expensive. Cigna Hospital Care, helps provide employees and their families with the additional financial protection they may need. It can help cover these unexpected events – so they can focus on getting better.

With nearly 2/3 of Americans living paycheck-topaycheck,3 hospital expenses can be difficult for a family. Cigna Hospital Care insurance can help.

Payments are made directly to the covered person* for a covered hospital event. The money can be used as the individual sees fit. There are no copays, deductibles, coinsurance, or network requirements to worry about. Also, coverage continues after the first covered hospitalization event – providing additional protection for future covered hospital stays.

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The average inpatient hospital stay in the U.S.

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Costs $2,271 per day1 Lasts 6.1 days2

Cigna Hospital Care insurance pays a fixed benefit for hospital stays resulting from a covered injury or illness, including:4 Hospital admission Daily hospital and ICU stays Hospital admissions for chronic condition Hospital observation stays

Benefit amounts

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Employee. Selects a plan and who will be covered Spouse. Coverage is 100% of issued employee-paid benefit amount, when selected Child(ren). Coverage is 100% of issued employeepaid benefit amount for each child, when selected

* Benefits may be paid directly to the hospital upon assignment.

Offered by: Life Insurance Company of North America. 887506 a 09/17

Help reduce your employees’ out-ofpocket costs5 Even with major medical coverage, employees can be exposed to out-of-pocket expenses if they’re hospitalized – Cigna’s Hospital Care insurance reduces employee financial burden and pays in addition to their health plan coverage.

Additional plan options You can shape your Hospital Care benefits to help meet your employees’ needs. There are a number of insurance coverages and optional benefit riders available:

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Susan had a car accident and required hospitalization

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Expenses not covered by medical insurance Health plan with a $3,000 deductible: • Annual deductible and coinsurance • HRA employer contribution offset • Indirect expenses Total out-of-pocket:

$4,000 – $1,500 $500 $3,000

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Hospital Care benefit4 Hospital admission

$1,000

Hospital ICU stay (1 day)

$400

Hospital stay (3 days)

$600

Total coverage paid:

$2,000

With Cigna Hospital Care, your employees and their families have access to a suite of programs and services available for use at any time.

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Cigna Healthy Rewards®. Discounts for employees and family members on health and wellness services, including vision and hearing care, diet programs, fitness centers, massage, chiropractic care and acupuncture. CignaWillCenter.com. Online tools for employees and spouses to create state-specific legal documents for wills and powers of attorney, and valuable resources for estate and funeral planning. Cigna Identity Theft. Identity theft prevention and resolution services, including personal assistance and guidance, education and tools to help prevent identity theft in the future. Cigna Health Advocacy Services. Personalized assistance to help employees and family members (including parents and parents-in-law) navigate a wide range of health care and health insurance challenges.

Critical Illness. Pays a lump-sum amount for a covered illness. Short-term Disability (STD). Coverage in case of a covered disability. Term Life. Pays a lump-sum amount to customer’s designee for a covered loss of life. Waiver of Premium and Extended Benefit. Extends Hospital Care coverage without premium payment in case of a disability. Wellness. Provides a benefit for preventive care, including health care professional visits, immunizations and health screenings.

Reasons to offer your employees Cigna Hospital Care

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Value-added programs and services6

Accidental Death and Dismemberment (AD&D). Coverage for death or dismemberment as the result of a covered accident.

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Additional financial protection. Help protect your employees when they need it most. Flexible. You pick the benefit options and levels to fit your and your employees’ needs. Cost-effective. Benefits offered on an employeepaid basis. This helps enhance your overall employee benefits package, while giving employees additional protection. Convenient. Online enrollment, dedicated support and payroll deductions make it convenient for your employees.

To learn how Cigna can help protect your employees, call your Cigna sales representative or broker today. Cigna.com/group-voluntary

What’s not covered The following is general information about the exceptions and limitations that may apply to Cigna Group Hospital Care indemnity insurance policies. This is not a complete list of policy terms and conditions. Your actual policy may vary by plan design and location. Contact your Cigna sales representative for more information.

23 hours following a one-hour elimination period, on a non-inpatient basis, and a charge is incurred; benefits are not payable if the covered person is admitted as an inpatient; benefits are payable per 24-hour period and limited to 72 hours; this benefit is not payable if a benefit is payable under the hospital stay benefit or hospital ICU stay benefit.

Hospital admission benefits are payable only if the covered person is admitted as an inpatient to the hospital due to a covered injury or illness; benefits are payable once per day and limited to one day per admission; benefits are not payable for treatment in an emergency room or provided on an outpatient basis, or for re-admission for the same covered injury or illness (including chronic conditions); benefits are limited to one benefit every 90 days.

Wellness Treatment, Health Screening and Preventative Care Incentive benefit is payable for designated exams/ services and limited to one day, payable once per year; a benefit waiting period of 30 days may apply.

Hospital Intensive Care Unit (ICU) stay and hospital stay benefits are payable only if the covered person is admitted as an inpatient and confined to the hospital due to a covered injury or illness; benefits are payable once per day, and limited to 30 days; if the covered person is eligible for both the hospital ICU stay and hospital stay benefit, only one benefit will be paid per day; stays within 90 days for the same or a related injury or illness are considered one stay; benefits are limited to one benefit every 90 days. Hospital chronic condition admission benefits are only payable if the covered person is admitted as an inpatient due to a covered chronic condition and treatment for the covered chronic condition is provided by a specialist in that field of medicine; benefits are payable once per day and limited to one day; benefits are not payable for treatment in an emergency room, provided on an outpatient basis, or for re-admission for the same covered injury or illness (including chronic conditions); benefits are limited to one benefit every 90 days. Hospital observation stay benefits are only payable if the covered person receives treatment for a covered injury or illness in a hospital, including an observation room, or ambulatory surgical center, for more than

Depending on your plan, benefits may not be paid for a condition that existed prior to the effective date of coverage. Age-based reduction of benefits and benefit waiting periods may also apply. In addition, benefits will not be paid for any loss that is the result of: (a) Intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane; (b) Commission or attempt to commit a felony or an assault; (c) Declared or undeclared war or act of war; (d) Active duty service in the military, naval or air force of any country or international organization (Reserve or National Guard active duty training extending beyond 31 days); (e) Voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless taken as prescribed by a physician; (f) Operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant; (g) Services deemed by the insurer as not being medically necessary; (h) Elective or cosmetic surgery; (i) Dental surgery, unless due to accidental injury; or (j) Services or treatment rendered by a person employed or retained by the covered person, providing homeopathic, aromatherapeutic or herbal therapeutic services, living in covered person’s household, or who is a parent, sibling, spouse or child of the covered person and (k) In certain instances, pregnancy, including childbirth, occurring within a specified period of time following the date coverage is effective.

1. Kaiser Family Foundation. “2015 Hospital Adjusted Expenses per Inpatient Day.” 2. National Center for Health Statistics, “Health, United States, 2015: With Special Feature on Racial and Ethnic Health Disparities.” May 2016. 3. American Payroll Association, “Getting Paid in America Survey.” 2016. 4. The term “hospital” does not include a clinic, facility, or unit of a hospital for: (1) rehabilitation, convalescent, custodial, educational, hospice, or skilled nursing care; (2) the aged, drug addicts or alcoholics; or (3) a facility primarily or solely providing psychiatric services to mentally ill patients. 5. This is an example used for illustrative purposes only. Actual costs would vary. Actual coverage and benefit amounts will vary by policy design. Age based reduction of benefits and benefit waiting periods may apply. Coverage is subject to all terms and conditions as specified in the group policy. 6. These programs are NOT insurance. Customers must pay the entire discounted charge for Healthy Rewards program discounts. These programs are provided by third party vendors. Availability may vary by location and is subject to change. GROUP HOSPITAL CARE (INDEMNITY) INSURANCE POLICIES PAY LIMITED BENEFITS ONLY. THEY DO NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE AND ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT. Product availability may vary by location and plan type and is subject to change. All group insurance policies and group benefit plans may contain exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. Benefit waiting periods may apply. For costs and complete details of coverage, contact your Cigna representative. All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Life Insurance Company of North America. Policy forms: GHIP-00-1000, GHIP-00-1000.ORa. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. 887506 a 09/17 © 2017 Cigna. Some content provided under license.