Navigating premium changes
Navigating premium changes
Cigna Healthcare can only guarantee premium rates for the first year the policy is in force. After that period ends, customers are subject to potential rate increases annually.
Cigna Healthcare can only guarantee premium rates for the first year the policy is in force. After that period ends, customers are subject to potential rate increases annually.
As a result, positioning these conversations can be difficult. Nevertheless, it is essential to let the customer know the value that they have with an insurance policy from us. Below are some talking points that can help you navigate these conversations:
Identify the Why.
A potential customer may ask why they would experience a rate increase. Or an existing customer may want to understand why their premiums have increased.
Things to consider.
Are they experiencing a significant birthday? A change in age bands can result in a potential increase in premiums.
Identify a potential solution.
Is your customer eligible for any of our discounts? From Household discounts, multi-product discounts, and living with-someone discounts, we have multiple options to help your customer.
Identify the Cigna Healthcare Value.
Additional perks and programs to help save money, such as vision and hearing discounts, fitness memberships, and more! Make sure to review all the Cigna Healthy Rewards® Discounts.
Online member portal and resources to help simplify their life through myCigna.com.
U.S.-based customer service and Health Information Line is available where you can speak with a health advocate 24/7/365.