cigna voluntary solutions

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CIGNA VOLUNTARY SOLUTIONS

Simple. Cost-effective. Flexible.

1 The changing benefits landscape 2 The Cigna difference 3 Our voluntary solutions 4 Our connected approach 5 Administration solutions 6 Education and enrollment

Insured by Life Insurance Company of North America or Cigna Life Insurance Company of New York.

What voluntary benefits can mean to your business and your employees Cigna is committed to meeting your needs by providing value to you and your employees every day – going beyond traditional products and services. Cigna’s voluntary solutions are designed to meet your needs and the needs of your employees. For your business, voluntary benefits can:

1 THE CHANGING

> Offer an opportunity to foster a greater sense of security for your employees.

BENEFITS LANDSCAPE

> Contribute to the overall health and well‑being of your workforce – with minimal effort and cost.

As more costs and

> Complement an employer’s core medical

responsibilities shift to

plan offering.

individuals, voluntary benefits

For your employees, voluntary benefits can:

can offer a win-win solution

> Allow greater control over their coverage.

for you and your employees.

> Help protect them from high out-of-pocket

And as employee benefits

medical costs.

> Provide the cost and convenience of an

change, so does the role of

employer-sponsored plan.

voluntary benefits solutions.

A well-thought-out voluntary benefits package can show future employees that your company cares about their overall well-being and financial protection.

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More than employee benefits – also a recruitment tool In today’s competitive job market, employers are starting to view voluntary benefits as more than a supplement to their benefit offering. They are increasingly using voluntary coverage as a way to attract new talent and retain current employees.

93% of U.S. employees say it’s important that they be able to choose benefits that enhance their lifestyle, protect their well‑being and improve their financial wellness.1

If you want to build a stronger, more content workforce, a well‑thought‑out voluntary package can show future employees that you care about their overall well‑being and financial protection. Recent studies show overwhelming statistics to support this.

86% of U.S. employees say it’s important that their employer offer voluntary benefits.1

71% of U.S. employers said voluntary benefits improve employee morale and satisfaction. 2

1. Purchasing Power, “Human Resources Executive Survey.” July 2015. 2. LIMRA, “2015 U.S. Worksite Sales Survey.” 3. American Payroll Association, “Getting Paid in America Survey.” 2017. 4. Cigna, “2016 Voluntary Benefits Consumer Survey.” September 2016. 5. Eastbridge Consulting, “MarketVision – The Employer Viewpoint Spotlight Report.” October 2016.

THE CASE FOR VOLUNTARY

Nearly 3/4 of Americans live paycheck-to-paycheck3 47% of surveyed workers have $1,000 or less on hand to pay for unexpected medical bills4

68% of U.S. employers offer voluntary benefits5 3

It is widely accepted that a well‑designed package of voluntary benefits is more efficient when connected seamlessly with traditional benefits and not merely tacked on.1 Not only can this strategy help you attract and retain talent, it can help you manage your bottom line with more productive and satisfied employees – especially when paired with a high-deductible plan. Cigna can get your employees more actively engaged in programs to help them stay healthy, productive and more financially protected – whether they file a claim or not.

2 THE CIGNA DIFFERENCE As a health service company, Cigna is qualified to deliver a more connected approach to your overall benefits strategy.

If you offer your employees a consumer‑driven health plan (CDHP), voluntary benefits such as accidental injury, critical illness and hospital care insurance can provide a cost‑effective way to help ease employee out‑of‑pocket expenses and increase adoption/participation of your CDHP. 4

The advantages of Cigna’s voluntary solutions

Value-add programs and services2

Additional financial protection. Even with major medical coverage, employees can be exposed to out‑of‑pocket expenses. This added protection helps reduce employee financial burdens by paying in addition to other coverage.

With Cigna’s voluntary solutions, your employees and their families have access to a suite of programs and services for use at any time at no additional cost to them. 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.

Flexibility. You pick the benefit options and levels to fit your and your employees’ needs. Cost-efficiency. When benefits are offered on an employee-paid basis, it helps to enhance your overall employee benefits package without additional employer expense.

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.

Convenience. Online enrollment, dedicated support and payroll deductions make it convenient for your employees. Easy management capabilities for hassle‑free implementation and a dedicated Enrollment Solutions Manager to personalize the enrollment experience make it convenient for you.

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. 3 Personalized assistance for employees and family members (including parents and parents-in-law) with a wide range of health care and health insurance challenges.

1. BenefitsPro.com, “15 Voluntary Benefits Trends Leading into 2017.” October 2016. 2. These programs are NOT insurance and do not provide reimbursement for financial losses. Program availability may vary by plan type and location and is subject to change. Employees are required to pay the entire discounted charge for any discounted products or services available through these programs. Programs are provided through third-party vendors who are solely responsible for their products and services. Presented here are only the highlights of these programs. Full terms, conditions and exclusions are contained in the applicable client program description and/or vendor service agreement. 3. This program is available at the option of the employer for an additional cost and not available to Health Advocates, Inc. existing clients.

HOW IT WORKS. With Cigna voluntary benefit solutions, a payment is made directly to your employee, unless otherwise assigned. There are no copays, deductibles, coinsurance or network requirements to worry about. The money can be used as they see fit – they can use it to help pay for costs such as: > Medical copays and deductibles > Travel to see specialists > Child care > Help around the house > Alternative treatments 5

Accidental Injury insurance. Pays benefits for a broad range of injuries or treatments associated with a covered accident.

Critical Illness insurance. Provides a lump-sum payment for diagnosis of a covered critical illness or specified disease condition.

3 OUR VOLUNTARY SOLUTIONS Cigna’s Accidental Injury, Critical Illness and Hospital Care insurance help provide

Hospital Care insurance. Pays a fixed benefit for covered hospital stays resulting from a covered injury or illness.

additional financial protection to your employees when they need it most, so they can focus on getting better.

Even with major medical coverage, employees can be exposed to out‑of‑pocket expenses. Cigna’s Accidental Injury, Critical Illness and Hospital Care insurance help reduce employee financial burden and pay in addition to other coverage. 6

Accidental Injury insurance

Covered injuries can include:

> Broken bones > Burns

An accident can happen to anyone at any time. Even with medical coverage, out‑of‑pocket expenses such as rehabilitation, transportation and child care can quickly add up. That’s why having accidental injury insurance is important. Cigna Accidental Injury insurance offers a cost-effective solution with no medical questions required at enrollment – and coverage continues after the first covered accident and provides additional financial protection for future covered accidents.

> Torn ligaments > Concussions > Eye injuries > Ruptured discs > Cuts requiring stitches Benefit can be payable for:

> Initial treatments > Emergency room visits > Hospitalizations > Follow-up care

For full list of covered injuries and benefits, speak to your Cigna representative or broker today.

1. National Safety Council, “Injury Facts.” 2016 Edition.

BE CAREFUL OUT THERE

1 in 8 Americans are treated for accidents every year1 In the U.S., accidents happen every:1 two seconds at home seven seconds at work seven seconds on the road 7

Critical Illness insurance

There’s also the ability to include a variety of other conditions, depending on state availability.

Cigna’s Critical Illness insurance provides employees and their families with additional financial protection to help cover unexpected expenses. And, depending on plan design, coverage can provide additional financial protection for covered conditions later diagnosed.

> Advanced Alzheimer’s > Parkinson’s disease > Multiple sclerosis > Skin cancer > Benign brain tumor

Cigna’s Critical Illness insurance typically covers the following conditions.1

> Coma

> Invasive cancer

> Occupational hepatitis B and C

> Heart attack > Stroke

Exclusions and limitations may apply. For more information, speak to your Cigna representative or broker today.

> End-stage renal (kidney) disease > ALS (Lou Gehrig’s disease) > Blindness > Paralysis > Major organ failure > Coronary artery disease (surgery) > Carcinoma in situ > Occupational HIV

A CRITICAL ILLNESS CAN HAPPEN TO ANYONE AT ANY TIME A stroke occurs every 40 seconds in the U.S. 2 Every year, about 735,000 Americans have a heart attack3

More than 1.6 million new cancer cases expected to be diagnosed in the U.S. in 20174 8

Hospital Care (indemnity) insurance

Typical covered hospitalizations include:5

> Hospital admission > Daily hospital and intensive care unit

Cigna’s flexible Hospital Care insurance helps you build a connected, cost‑effective solution for your employees, one that can offer additional financial protection when an unexpected covered illness or injury occurs that requires a covered hospital stay. And, coverage continues after the first covered hospitalization event – providing additional protection for future covered hospital stays.

(ICU) stays

> Hospital admissions for chronic condition > Hospital observation stays

For a full list of covered benefits, speak to your Cigna representative or broker today.

1. Will vary by plan design selected by employer. 2. American Stroke Association, “Impact of Stroke (Stroke Statistics).” June 2016. 3. CDC, “Know the Signs and Symptoms of a Heart Attack.” 2016. 4. American Cancer Society, “Cancer Facts & Figures 2017.” 5. 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. 6. Kaiser Family Foundation, “2015 Hospital Adjusted Expenses per Inpatient Day.” 7. National Center for Health Statistics, “Health, United States, 2015: With Special Feature on Racial and Ethnic Health Disparities.” May 2016.

HOSPITAL STAYS CAN BE LONG AND COSTLY In the U.S., the average inpatient hospital stay costs $2,271 per day6 and lasts 6.1 days7

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Cigna leverages our insights and holistic view of health to help bring you and your employees a better experience. Through our comprehensive view of health, we deliver personalized and proactive support.

We make it simple for a better experience Our connected approach is designed to give you and your employees a better experience.

> Employee authorization. Our easy

4 OUR

authorization process gives us access to medical claims data to streamline the customer experience and help expedite voluntary claims review.

CONNECTED APPROACH

> Cigna Simple FileSM – auto compare. We proactively review employee claims – looking across their other Cigna coverages and automatically reminding them to submit additional claims.

Connected plans – built and designed to work together.

There are many advantages to you and your employees, when you offer Cigna’s voluntary solutions.

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> Cigna Simple File – auto claim. For

> Single account team. Our team gets to know

employees with Cigna short-term disability claims, we automatically submit their accidental injury, critical illness or hospital care claim for them – helping to maximize their benefit payments.

you and your business. We work hard to make administration easy for you.

> Streamlined implementation. Easy management capabilities for hassle-free implementation and a dedicated enrollment solutions manager to personalize your enrollment experience

> Cigna program referrals. By leveraging medical information and identifying potential health risks, we refer employees to suitable wellness programs, such as condition management and employee assistance programs (EAPs).

> Predictive modeling.* Medical claims history helps us identify the likelihood of employee critical illness or hospitalization incidence.

* Available for Cigna Critical Illness and Hospital Care insurance.

When a Cigna client adds our voluntary product solutions, they’ll not only help provide additional financial protection and contribute to the overall health and well‑being of their workforce – they’ll also get a more connected experience.

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Choose the system that works best for you > Technology partner system. Provides the flexibility to plug and play with any third-party enrollment system you choose such as on the exchange, with a benefits administration vendor or an enrollment firm. Cigna has relationships with a number of third‑party systems that have pre‑built voluntary offerings available for a repeatable, expedited  implementation.

> Your current in-house system. If you already

5 ADMINISTRATION

have a proprietary system that manages payroll and administration, you can continue to use those systems along with the Cigna portal for billing reconciliation.

SOLUTIONS

> Cigna system. If you’re looking for a full suite

Our voluntary administration

of solutions, Cigna provides an easy-to-use client portal for payment and day-to-day employee administration.

capabilities are flexible by design to support your unique needs.

OUR STRATEGY IS YOUR STRATEGY From standalone to full administration, Cigna offers a broad range of administration services. We help you connect data, technology and people so you can implement the administrative solutions that fit your specific business strategy. 12

Customized billing solutions

You and your employees benefit from:

> A complete benefits review. Proactive

Cigna’s flexibility, strong back-end support and group portfolio approach is unlike any other in the voluntary market. This flexibility enables us to leverage our entire portfolio and create options that can be tailored to each employer’s specific needs, resources and commitment level.

cross‑check with existing voluntary claims helps ensure eligible claims are paid.

> Prompt claims processing. No verification needed.

> Improved automation. Including portability and conversion process.

> Facilitated billing. A third-party vendor manages your record keeping and billing.

> Summary billing. You manage your record keeping and billing through self‑bill functionality.

> List billing. You manage your record keeping and billing through a Cigna portal.

At Cigna, we understand the importance of providing employers with flexible administration so they can offer their employees the benefits they deserve.

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Understanding benefits isn’t always easy. A well-designed, end-to-end employee communications strategy is key to the successful enrollment of any voluntary benefits offering. When employees receive the right education, they understand their choices and can make the right coverage decisions. This can help provide a sense of security, improved health and well-being, and ultimately, more productive, loyal employees.

Customized employee communication and enrollment

6 EDUCATION AND ENROLLMENT

A Cigna dedicated Enrollment Solutions Manager can provide a more engaged enrollment experience by working with you to customize an enrollment and communications strategy designed to meet your organization’s and your employees’ specific needs.

We help make it easier for everyone.

WE KNOW THEY WANT IT … 86% of U.S. workers say it’s important that their employer offer voluntary benefits1 BUT THEY NEED TO LEARN MORE

More than half of surveyed employees not currently enrolled in voluntary benefits said they would enroll if they knew more about these benefits2 14

Enrollment Solutions Manager

Cigna customized strategies may include:

> Easy-to-understand enrollment materials. Making enrollment easier is also something we take very seriously. A dedicated Cigna Enrollment Solutions Manager will act as your single point of contact during the enrollment process, to help ensure an easy enrollment and onboarding experience for all.

> Campaigns to drive/improve awareness. > Helpful, onsite Q&A meetings or webinars so employees can get information from a Cigna representative.

> Internet-based presentations, customized multimedia tools or a customized website to increase employee awareness and participation.

Primary contact for enrollment and onboarding

Manages enrollment project plan and timelines

Owns end-to-end enrollment process

Enrollment Solutions Manager

Collaborates with all internal and external partners

1. Purchasing Power, “Human Resources Executive Survey.” July 2015. 2. Cigna, “2016 Voluntary Benefits Consumer Survey.” September 2016. 3. LIMRA, “2016 LIMRA Employer Study.” January 2016.

COMMUNICATION IS KEY

70% of U.S. employers say that making sure their employees understand the value of their benefits is their top communication objective–though only 38% of employers have a formal employee benefits communication plan3 15

As we look to the future, we see opportunities for continued growth and further integration. Cigna continues to focus on:

> Product enhancements and portfolio expansion.

> Holistic and connected benefits strategies. > Process and implementation efficiencies. > Employer and employee experience improvements.

OUR FUTURE FOCUS



Cigna is constantly



looking for new solutions and connections to help improve your business.

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 or more information about F Cigna’s voluntary solutions, contact your Cigna representative or broker today. Cigna.com/group-voluntary

WHAT’S NOT COVERED

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; (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) Bungee jumping; parachuting; skydiving; parasailing; hang gliding; (h) Flight in, boarding or alighting from an aircraft or any craft designed to fly above the Earth’s surface (except as a fare-paying passenger on a regularly scheduled commercial airline); (i) Services or treatment rendered by a health care professional who is employed, retained by, related to, or living with the covered person; providing homeopathic, aroma therapeutic or herbal therapeutic services; or (j) Sickness, disease, bodily or mental infirmity, bacterial or viral infection or medical or surgical treatment thereof (except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food).

The following is general information about the exceptions and limitations that may apply to the benefits described. 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. Depending on your plan, benefits may not be paid for an illness or injury that existed before the effective date of coverage. Age-based reduction of benefits and benefit waiting periods may also apply.

Accidental Injury Benefit limitations Benefits are only payable for covered injuries diagnosed and treated by a physician and resulting directly and independently from a covered accident. Under most plans, covered injuries must be diagnosed and treated by a physician within 90 days of a covered accident treatment must begin within 90 days of the accident. Physician office visit limited to one benefit per accident – excludes routine health examinations or immunizations, visits for mental or nervous disorders, or visits by a surgeon while confined to a hospital; Diagnostic exam limited to one benefit per accident and one accident per month; Dislocation/fracture if there is more than one type of fracture or dislocation, only one benefit will be paid for each injury per accident, whichever is greater – chip fracture not paid in addition to closed fracture; Burns not payable for sunburns; Cuts requiring stitches for multiple lacerations; Follow‑up physician visit and physical therapy, each benefit is limited to 10 treatments per accident and one accident per month, physician recommendation is required, all treatments must be completed within 365 days of the accident; Hospital stay payable once per accident and limited to one hospitalization per month; hospital stay and ICU stay benefits are payable once per day, subject to 365‑day and 90‑day maximums, respectively; only one hospital/ICU stay benefit is payable per covered person, per accident, whichever is the greater amount; Emergency room visits payable once per covered person, per accident and limited to one accident per month.

Critical illness Benefit limitations Specific benefit exclusions and limitations may apply to the coverages described: Skin cancer limited to 1x every 12 months with 12 months in between diagnosis; Invasive cancer excludes premalignant conditions or conditions with malignant potential, carcinoma in situ, basal cell carcinoma, squamous cell carcinoma of the skin, unless metastatic disease develops, melanoma that is diagnosed as Clark’s Level I or II or Breslow less than 0.75mm, or melanoma in situ, or may exclude prostate tumor that is classified as T-1a, b, or c, N-0 and M-0 on a TNM classification scale; also may exclude the recurrence or metastasis of an original cancer that was diagnosed before the coverage effective date if they have not been treatment free for a period of time; Carcinoma in situ excludes premalignant conditions or conditions with malignant potential, skin cancers (basal/squamous cell carcinoma or melanoma/melanoma in situ); Stroke excludes transient ischemic attacks (TIAs), brain injury related to trauma or infection, brain injury associated with hypoxia or anoxia, vascular disease affecting eye or optic nerve or ischemic disorders of the vestibular system; Coronary artery disease excludes angioplasty (percutaneous coronary intervention) and stent implantation or similar procedures; Coma excludes any state of

Common exclusions Benefits will not be paid for any loss that is the result of: (a) Intentionally self-inflicted injury,

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as an inpatient and confined to the hospital, if eligible for both benefits, only one benefit will be paid per day, whichever is greater; 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 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.

unconsciousness intentionally or medically induced from unconsciousness intentionally which the covered person is able to be aroused; Major organ failure limited to a single benefit amount payable if the covered person has a combination transplant (i.e. heart and lung); recurrence benefit may not be payable for same organ for which a benefit was previously paid; Paralysis may exclude loss due to stroke, multiple sclerosis as well as cerebral palsy if included as a covered condition; Occupational conditions exclude infections from intravenous drug use or when sexually transmitted.

Common exclusions Benefits may not be paid for a condition that existed before your effective date of coverage. The date of diagnosis must occur while coverage is in force and the condition definition must be satisfied. Only one initial benefit will be paid for each covered condition per person and benefits will be subject to separation periods and maximum lifetime limits. Additional benefits may be available under the recurrence benefit, if included. Benefits may 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 is not excluded unless it extends 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) A diagnosis not in accordance with generally accepted medical principles prevailing in the U.S. at the time of diagnosis.

Common exclusions 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; (j) Services or treatment rendered by a person employed or retained by the covered person, providing homeopathic, aroma therapeutic or herbal therapeutic services, living in covered person’s household, or who is a parent, sibling, spouse or child of the covered person; (k) In certain instances, pregnancy, including childbirth, occurring within a specified period of time following the date coverage is effective.

Hospital Care (indemnity) Benefit limitations Hospital admission payable once per day, limited to one day per admission and one benefit every 90 days, must be admitted as an inpatient to the hospital, excludes 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); Hospital ICU stay and hospital stay payable once per day, limited to 30 days and one benefit every 90 days, stays within 90 days for the same/related injury or illness are considered one stay, must be admitted

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At Cigna, our goal is to help companies and their employees be healthy, productive and more financially secure. Cigna voluntary solutions are designed to help.

GROUP ACCIDENTAL INJURY, CRITICAL ILLNESS AND 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 (ACA). THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE. Product availability may vary by location and plan type and is subject to change. All group insurance policies and benefit plans may contain exclusions, limitations, reduction of benefits, and terms under which the policies may be continued in force or discontinued. 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. Accidental injury, critical illness and hospital care plans or insurance policies are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). Group critical illness and hospital care insurance is not available in NY. Policy forms: Accidental Injury GAI-00-1000, GAI-00-1000.OR et al.; Critical Illness - GCI-00-1000, GCI-02-1000, GCI-00-0000.OR, GCI-02-0000.OR et al.; Hospital Care (Indemnity) - GHIP-00-1000, GHIP-00-1000.ORa et al. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. All pictures are used for illustrative purposes only. 912523 10/17 ©2017 Cigna. Some content provided under license.