Cigna: Creditable Coverage

Cigna offers a unique benefit to it's members and if you are looking to move from one health insurance carrier to another or if you are moving from a group plan to an individual plan take this into consideration.

Creditable Coverage is being offered to Cigna members who have "qualifying" pre-existing conditions. A pre-existing condition is one which for medical advise, diagnosis, care or treatment was recommended or received within 6 to 12 months before your effective date with a carrier.

Cigna allows time spent on your previous carriers plan to apply towards the 12 month pre-existing period. As long as you have had 18 months of continuous coverage without a lapse in coverage for no more than 63 days Cigna offers you a first day benefit for pre-existing conditions.

This is a wonderful benefit to those with pre-existing conditions as the waiting period can be a deterrent for some folks needing to make changes. Keep Cigna in mind when and if you need to make changes to your health insurance policy.