Cigna
Combine the benefits today's customers want with an innovative structure that gains value by providing more coverage over time. Cigna’s Flexible Choice Dental, Vision & Hearing is different from other policies of its kind.
Customers can visit the provider of their choice, or take advantage of lower rates and discounts by choosing from a national dental network of over 85,000 participating providers.
Featured Product: Cigna Flexible Choice Dental, Vision & Hearing
Value and benefits that grow over time.
- First year coverage starts at 60% and by year four is 90%.*
- Disappearing deductible option that reduces the deductible to $0 in the fourth year.
- Together, the increasing benefits and disappearing deductible option mean your customers could have a $0 deductible and only a 10% co-pay after the third year.*
- Coverage that is instant, flexible and predictable.
- No waiting period for dental if customer is replacing dental coverage.
- Optional 100% preventive care coverage.
- Maximum coverage up to $5,000.
- Guaranteed renewable for life.**
Competitive commissions, sales support and incentives.
- Heaped or level commission options.
- Clean cases issued in three to five business days.
*Dental major restorative benefits are maxed at 60% in years 2+ with 60% for all years if waiting period is waived. Hearing benefits are 0% in year one and increase to 70%, 80% and to 90% in successive years.
**The policy cannot be terminated for any reason other than nonpayment of premium or material misrepresentation in the application for insurance.
