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Cigna's Health Insurance Plans

Cigna's quality plan options, personalized health care support, and low costs, provide you with access to the expertise and care you need, when you need it. Affordability With $0 virtual care (telehealth),1 $0 preventive care visits,2 and $3 or less for generic prescription drugs,3 Cigna's plans and programs make it easy for you to get affordable, ...

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Copays, Deductibles, and Coinsurance

How do out-of-pocket costs work? Copays, deductibles, and coinsurance let you know when and how much you may need to pay for your health care. We're here to help you understand the meaning of these important health care terms. Copays, Deductibles, and Coinsurance Definitions Let's take an in-depth look at what these terms mean, how they work togeth...

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In-Network vs. Out-of-Network Providers

Out-of-network costs can add up quickly. Understand the difference between in-network and out-of-network providers to help lower your health care expenses. You can avoid unexpected medical bills by knowing how your plan works. Certain choices you make can affect what you'll pay out of pocket. Know the difference between in-network and out-of-networ...

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When can I buy insurance?

We are open for you to get coverage through a Special Enrollment Period The next Open Enrollment Period, during which almost all Coloradans can buy health insurance, runs from November 1st through January 15th. In the meantime, there are several opportunities to get covered. See if you can enroll through a Special Enrollment Period today Life Happe...

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Life Insurance and COVID-19 Guide

Do you have an active life insurance policy, but you're wondering if it covers a COVID-19 death? Learn what you need to know about life insurance and COVID here. Does Coronavirus (COVID-19) impact life insurance? Coronavirus won't impact life insurance policies already in force, and coverage still applies to deaths due to COVID-19. Regardless of yo...

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How much life insurance do I need?

Life insurance is not one-size-fits-all. It's essential to consider your unique financial and personal situation (such as assets, debts, and future plans) when deciding how much life insurance you should have. Want to know how to calculate insurance needs? To make it easier, we created an online life insurance calculator you can use to help assess ...

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Do I need life insurance?

If something happens to you, your loved ones don't just lose you—they also lose your income, on top of everything else you provide. If you provide financial or caregiving support to someone, it's essential to make sure they would be taken care of if they lost you If you fall into one of these categories, you likely need life insurance: Parents Acco...

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5 Steps for Chargeback Protection

Chargebacks can have a major negative impact on merchants' revenue, with eCommerce chargebacks alone costing business owners an estimated $40 billion per year. Aside from their unnecessary costs, they're also time-consuming and can often be frustrating to resolve. The good news is that businesses can prepare themselves with a chargeback protection ...

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Auto Insurance Resources

Bodily Injury Liability (BI)Covers other people's bodily injuries or death for which you are responsible. Also provides legal defense. Examples of claims include medical bills, loss of income or pain and suffering. Coverage is mandatory. Most common coverage options: $30k/$60k, $50k/$100k, $100k/$300k, $250k/$500k or Combined Single Limit (CSL) opt...

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Cập nhật thông tin của gia đình quý vị cho 2023

Bảo hiểm sức khỏe của gia đình quý vị sẽ tự động tiếp tục cho năm 2023. Xin quý vị hãy trả lời những câu hỏi sau đây và gởi lại cho văn phòng sớm nhất có thể. Cám ơn quý vị rất nhiều! Your health insurance is scheduled to auto-renew for 2023. Please fill out this form with any updates or changes. Thank you very much!

Medicare costs at a glance

Listed below are basic costs for people with Medicare. If you want to see and compare costs for specific health care plans, visit the Medicare Plan Finder. For specific cost information (like whether you've met your deductible, how much you'll pay for an item or service you got, or the status of a claim), log into your secure Medicare account. Find...

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How to get prescription drug coverage

Medicare drug coverage helps pay for prescription drugs you need. Even if you don't take prescription drugs now, you should consider getting Medicare drug coverage. Medicare drug coverage is optional and is offered to everyone with Medicare. If you decide not to get it when you're first eligible, and you don't have other creditable prescription dru...

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What's Medicare Supplement Insurance (Medigap)?

Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:CopaymentsCoinsura...

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Medicare Advantage Plans

Medicare Advantage Plans are another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D). In most cases, you'll need to use health...

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Restaurants Software that fast tracks your business operations

All-in-one platform that delivers every major feature, integration, and tool that restaurants need to manage every aspect of their business.  SIMPLE ORDERING PROCESS & INVENTORY MANAGEMENT Ovvi's intuitive menu design allows for an easy ordering process, faster checkouts and comes with multiple split check capabilities. Ovvi easily helps y...

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What are Medicare and Medicaid?

 Medicare and Medicaid are two government programs that provide medical and other health-related services to specific individuals in the United States. Medicaid is a social welfare or social protection program, while Medicare is a social insurance program. President Lyndon B. Johnson created both Medicare and Medicaid when he signed amendments...

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How To Get The Best Rate On Your Homeowners Insurance

Buying insurance isn't the same as buying groceries or clothes—you can't pick up two policies and compare the labels on the back. The best way is to work with an insurance expert to make sure you are getting the right policy for your needs. How do you know what is considered a good price for an insurance policy? After all, buying insurance isn't th...

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Switching Auto Insurance: What You Need to Know

Let's say you have current auto insurance with Company A and decide the current monthly price for the coverage you are getting isn't quite adding up anymore. The best first step you can take in this unfamiliar process is to contact your current company and find out exactly what you are paying for and what coverages they are giving you. How do I swi...

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Family-friendly plan for domestic and international destinations

The iTravelInsured Travel SE plan is our most popular plan for domestic and international destinations. Travel insurance coverage and benefits are available whether traveling on a cruise, tour, or vacation abroad. Family extras such as movie rental, internet usage, and additional kennel fees caused by travel delay are included. With iTravelInsured ...

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Keep your customers engaged with Feedback and Rewards

As we outlined in the first segment of this two-part series, customer engagement is a key ingredient to building a sustainable business. Repeat customers are your most valuable fans, even when they're just spending $5.35 on a coffee and bagel each day. The $5.35 guy, as we call him, is worth much more than just a few bucks: his loyalty leads to wor...

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