Medicare Insurance Agents Listen Close!
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Cigna’s Flexible Choice Cancer, Heart, and Stroke Plan
Welcome back to the Dynamic Duo with me, Allie Shipman, and my partner, John Shinn. We spoke before about Cigna Supplemental Benefits and some of the helpful plans they offer. Today, let us talk about another superb policy they have – the Flexible Choice Cancer/Heart/Stroke plan, which is a great plan for Medicare Insurance Agents.
As Medicare Insurance Agents, you can add this plan to a Medicare supplement or sell it solo. There are great commissions on it. Plus, they have lump-sum benefits for the following diagnoses: cancer, heart conditions, and stroke. Also, there is flexibility to add multiple riders for reoccurrence, restoration, and more. Even more impressive, the purchase benefit amounts range from $5,000-$100,000. Cigna is one of the only carriers with benefits up to $100,000. Of course, that will affect the premium, but they have that choice. Lastly, it is guaranteed renewable for life, and there are no tobacco questions on the application.
You want to sell these with your Medicare supplement applications. It’s easy to add to the Cigna E-App; you simply check a box. This plan is popular across the United States and sells well. Cigna sells a cancer plan separately, but I highly recommend the Flexible Choice Cancer/Heart/Stroke plan.
Medicare Insurance Agents: Cigna Flexible Choice is one of a kind
The Cigna Flexible Choice Cancer/Hear/Stroke plan is best in class. It has a lot of great benefits such as paying a lump sum benefit. Many older plan designs pay based on a schedule, meaning only so much money per day. Cigna offers a lump sum paid on the first diagnosis of internal cancer. So, when someone buys a $20,000 benefit, and if they are diagnosed with cancer, they get that check immediately. It continues to be a very popular plan. This is part of the senior products suite made available through Cigna.
Helps Cover Non-Medical Expenses
Most of us know about the need for a cancer plan. Some may not know that at least half of the cost of treating cancer here is the non-medical expenses. A Medicare supplement and original Medicare do a good job of paying for cancer treatment medical costs. However, so much of the cost of treating cancer is non-medical like loss of income and travel back and forth to specialized treatment centers.
Another place to position this plan in your portfolio is for people with Medicare Advantage. There are limitations on what Medicare Advantage will pay when it comes to cancer. So, this Flexible Choice Plan comes in very handy. The benefits go up to $100,000, and it’s the most benefit-rich plan I know of. Also, the issue age goes up to 89.
Agents
We hope that this information on Medicare agents near me is useful to you.
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This Article Was Updated: 7/8/2024.
