Coming soon: Unlimited hospital confinement coverage.

Choice Hospital Indemnity

Available to sell November 25 in AR, IL, LA, MI, MO, NC, NV, OK, & TN.

Over the next year, 17% of your Medicare Advantage (MA) customers will have at least one hospital confinement lasting an average of four and a half days.¹ With many MA policies requiring co-payments in the hundreds of dollars for each of these days, your customers’ out-of-pocket expenses could quickly become a burden. Offer them the financial protection they need with a Cigna HealthcareSM Choice Hospital Indemnity insurance policy.

With guaranteed issue policies² starting at $6.45 per month³ for Medicare-eligible individuals, three plan levels, and four optional riders, your customers can choose the coverage that best suits their needs and budget. The base plan is guaranteed renewable for life⁴ and pays benefits⁵ when an individual is admitted to an observation room, is confined in a hospital,⁶ or has a stay in a mental health or substance use facility.⁷ Some of the additional features include:

• An unlimited number of hospital confinements for different covered injuries or illnesses with no restoration period requirement.⁸
• Benefits for personal mobility items, including oxygen equipment, walkers and wheelchairs.
• Ambulance transportation, skilled nursing facility, and outpatient rehabilitation benefits are also available.

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.⁹ 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 on November 25 in AR, IL, LA, MI, MO, NC, NV, OK, & TN

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^{1. Definitive Healthcare. Hospital average length of stay by state. Published Jun 21, 2023.}

^{2. 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/or children qualify as guaranteed issue.}

^{3. Rate as of August 1, 2024, and based on a 65-year-old primary applicant with the Choice Core, Option 2, $100 per day for 3 days policy in Georgia.}

^{4. Subject to the company’s right to increase premiums on a class basis.}

^{5. Benefits may vary by state and all benefits payable are subject to the terms and conditions of the policy.}

^{6. 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.}

^{7. 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.}

^{8. 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.}

^{9. 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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