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LEGAL DISCLAIMER



By using Cigna's websites or any Cigna products, software, mobile applications,
or other electronic or web-based services (collectively referred to as the
"Service"), you agree to the following terms and conditions. Your continued
access or use of the Service shall be deemed your acceptance of this Legal
Disclaimer.

Products and Services Provided by Cigna Corporation Subsidiaries Product
Descriptions - Not Available in all Jurisdictions Links to Cigna Websites Links
to Other Sites General Disclaimer Viruses, Worms, Use of Files Health
Information Forward-Looking Statements Trademarks Social Networking Media
Web-Enabled Mobile or Handheld Devices Updates and Reverse Engineering
Limitation of Liability Calculations and Investment Decisions Minors and the
Children's Online Privacy Protection Act The Digital Millennium Copyright Act
Disclosure Required of Retail Sellers Under California Civil Code Sec. 1714.43
Changes and Applicable Law Nondiscrimination Notice State Ombudsman/Consumer
Assistance

Products and Services Provided by Cigna Corporation Subsidiaries
Cigna Corporation is a holding company and is not an insurance or an operating
company. Therefore, products and services are provided exclusively by or through
operating subsidiaries and not by Cigna Corporation. For Cigna company name
information, please visit www.cigna.com/cignacompanynames.
Back to top

Product Descriptions - Not Available in all Jurisdictions
The product descriptions, if any, provided on the Service are for informational
purposes only and are subject to change. Some products may not be available in
all jurisdictions. Anyone interested in a particular product should contact
their licensed agent or Cigna sales representative to determine whether the
product is available in their jurisdiction and to request a copy of the
applicable policy or other plan documents for a complete description of the
product.
Back to top

Links to Cigna Websites
A. Text Links
Cigna grants a nonexclusive, limited permission to the owners of other web sites
("Linking Site Owners") to link to Cigna web sites using text links. Such link
shall not (a) suggest that Cigna promotes or endorses any third party's causes,
web sites, products or services, or (b) be used or associated with any
inflammatory, pornographic, defamatory or unlawful site or materials in any way,
or in any manner that would disparage or adversely affect the name, reputation
and goodwill of Cigna and its products and services.

Cigna retains and reserves all rights to its domain names, trade names,
trademarks and logos, copyrights and all other intellectual property. We reserve
the right to withdraw permission for any link.

Linking Site Owners shall indemnify, defend and hold harmless Cigna from and
against all liability, demands, claims, suits, losses, damages, infringement of
proprietary rights, causes of action, fines, or judgments (including costs,
attorneys' and witnesses' fees, and expenses incident thereto), arising out of
their failure to comply with the terms and conditions of this "Links to Cigna
Web Sites" section.

B. Logo Links
Linking Site Owners who desire to link to Cigna web sites using Cigna's "Tree of
Life" logo must comply with the requirements set forth in Link to Our Site with
a Cigna Logo, including the completion of the Linking License Application Form
and execution of the Linking License Agreement.
Back to top

Links to Other Sites
While using the Service, you may access certain websites with a different look
and feel. If such a website is operated by Cigna, it will display the Cigna
brand and be subject to our Privacy Information and this Legal Disclaimer. If
such a website is a non-Cigna site, Cigna neither reviews, controls nor endorses
the content and accuracy of any non-Cigna websites or other material, and
therefore will not be responsible for their content and accuracy. Your access to
non-Cigna websites and non-Cigna content is at your sole risk.

Other websites on the Internet may contain unedited, sexually explicit, violent,
racist or other types of material, which may be offensive to you. Please access
other websites at your own discretion. Back to top

General Disclaimer
All material including any link to other sites and content found at linked sites
is provided "as is" and without any express or implied warranties including
warranties of merchantability or fitness for a particular purpose. Due to the
nature of the Internet, Cigna does not warrant that access to the Service will
be uninterrupted or error free. Cigna does not warrant or make any
representations regarding the usefulness of or the expected results of the
material contained on the Service. Note that some jurisdictions may not allow
the exclusion of implied warranties so some of the above exclusions may not
apply to you. Please check your local laws for any such restrictions. Back to
top

Viruses, Worms, Use of Files
Cigna cannot and does not guarantee or warrant that files available for
downloading from the Service are free of viruses, worms, Trojan horses or other
code that has contaminating or destructive properties. Cigna does not make any
express or implied warranties, representations or endorsements whatsoever
(including without limitation warranties of title, noninfringement or fitness
for a particular purpose) with respect to the files available for downloading
from the Service. In no event will Cigna be liable to you or to anyone else for
any decision made or action taken by you or anyone else in reliance on results
obtained from use of files downloaded from the Service. These files may be
downloaded and/or reprinted for personal use only. Permission to reprint or
electronically reproduce any document or graphic in whole or in part for any
reason except for personal use is expressly prohibited, unless prior written
consent is obtained from the appropriate Cigna copyright holder. Back to top

Health Information
The health information on the Service is provided by Cigna solely for
informational purposes as a public service to promote consumer health. It is not
meant to provide medical advice tailored to you in any way. It does not
constitute medical advice and is not a substitute for proper medical care
provided by a physician. Cigna assumes no responsibility for any circumstances
arising out of the use, misuse, interpretation or application of any information
supplied on the Service. Always consult with your doctor for appropriate
examinations, treatment, testing, and care recommendations. Do not rely on
information on this site as a tool for self-diagnosis. Cigna does not advertise,
market or promote products or services to individuals who participate in its
wellness, health promotion and chronic condition management programs.  If you
have a medical emergency, call 911.

Forward-Looking Statements
The Service may from time to time contain forward-looking statements that
include information about financial prospects, plans and objectives of
management for future operations, economic conditions, trends and known
uncertainties. Cigna cautions the reader that actual results could differ
materially from those that Cigna expects, depending on the outcome of certain
factors. In some cases, Cigna describes uncertainties when offering
forward-looking statements. Some factors that could cause Cigna's actual results
to differ materially from forward-looking statements ("Risk Factors") are listed
in the most recent Form 10-K or Form 10-Q Cigna filed with the Securities and
Exchange Commission.

Cigna does not undertake any obligation to correct or update any forward-looking
statements on the Service. Cigna also cautions the reader that the list of Risk
Factors that appears in the most recent Form 10-K or Form 10-Q Cigna filed with
the SEC may be modified by any subsequent SEC filings, such as Form 8-K, proxy
statements, and other SEC filings. Cigna will not update the Risk Factors listed
in any of Cigna's SEC filings prior to the next required SEC filing. The list of
Risk Factors provided in any of Cigna's SEC filing may not be complete, and
speaks only as of the date filed with the SEC. Back to top

Trademarks
There are references throughout the Service to various trademarks or service
marks and these, whether registered or not, are the property of their respective
owners. Back to topThe registered marks “Cigna,” the “Tree of Life” logo and
other Cigna marks are owned by Cigna Intellectual Property, Inc.

Social Networking Media
Your use of social networking media, including but not limited to participation
in or use of blogs, threaded discussions, message boards and wikis (“Social
Media”), is conditioned upon your compliance with the following:

 1. Do not post or transmit any unlawful, threatening, abusive, libelous,
    defamatory, racist, obscene, vulgar, pornographic, profane or indecent
    information. This includes, without limitation, any transmissions that are
    or that encourage illegal conduct. This ban includes anything that would
    constitute a criminal offense, give rise to civil liability or otherwise
    violate any local, state, national or international law.
 2. Never post or transmit comments containing harassing or offensive language,
    using sexual references, sexual nicknames, racial slurs or rude or
    deliberately offensive comments.
 3. Do not engage in disruptive activity online, including excessive use of
    scripts, sound waves or scrolling (repeating the same message over and
    over).
 4. Do not post or transmit any information, software or other material that
    violates or infringes the rights of others. This prohibition includes
    material that constitutes an invasion of privacy or publicity rights
    permission from the owner.
 5. Never post or transmit any information, software or other material that
    contains a virus, worm, Trojan horse or other code that has contaminating or
    destructive properties.
 6. Do not post any information, software or other material for commercial
    purposes.
 7. Do not solicit other users to join or contribute money to any online service
    or other organization, or advocate or attempt to persuade users to join in
    legal or illegal schemes.
 8. Never pretend to be any other person or entity. Site users also may not
    falsely represent their professional or other affiliation with any person or
    entity.
 9. Do not use the Service to collect personally identifiable information in
    violation of the policies contained in the Cigna Privacy Information.

You agree that Cigna, at our sole and absolute discretion, determines whether
any information transmitted or received violates this provision.

You also agree to indemnify and hold Cigna and our employees, officers,
directors and agents harmless from any claim or demand, including reasonable
attorneys' fees, made by a third party arising from any information or material
you contribute to the Social Media you access via the Service. 

Cigna has no obligation to monitor Social Media. But we reserve the right to
monitor any and all information transmitted or received through the Service.
Cigna may examine, record, copy and use any information on the Service in
accordance with the Cigna Privacy Information. We reserve the right, in our sole
and absolute discretion to remove any information or materials, in whole or in
part, from Social Media.

When using the Service or Social Media, please be certain that anything you
disclose does not compromise your personal safety. Please don't provide your
name, phone number, social security number or any other personally identifying
information to people you do not know. Don't continue any conversation online
that makes you feel uncomfortable. Protect your safety and privacy. Back to top

Web-Enabled Mobile or Handheld Devices
Certain web and smartphone applications of the Service have been designed to run
on a personal computer, standard laptop or web-enabled mobile device. If you
view or use the Service on a mobile or handheld device you may experience some
display and functionality limitations.  You may experience varying wireless
network coverage and speed, depending on your geographic location and
telecommunications provider.  The Service should not be used while operating any
motor vehicle, or in any other manner that might endanger yourself or others. 

If your mobile device uses Global Positioning System (GPS) technology, trackers,
or other location tracking tools, your location information may be used for
purposes of determining your location when using a function on the Service that
uses such information. While using the Service, if you allow your location
information to be obtained, we will use this information solely to return your
estimated location and to provide you with more personalized results and/or
services. Cigna does not monitor your GPS tracking or location information, and
does not save this information.  We will not use this information to identify
you or disclose this information to any third parties. 

By using the Service you expressly agree and acknowledge that Cigna shall not be
responsible for any of the following: (a) performance limitations and/or
failures experienced in connection with any wireless or Wi-Fi service used to
access the Service; (b) data transmitted through wireless access that may be
intercepted by unauthorized persons; or (3) your failure to physically secure
and/or monitor your personal computer, laptop or wireless device or to protect
your passwords, resulting in unauthorized access to the Service and/or your
Cigna account or plan information. 

While using any web-enabled mobile or handheld device to use the Service,
standard mobile phone carrier and data usage charges will apply. You expressly
agree and acknowledge that the use of any mobile or handheld device is at your
sole risk and shall be in accordance with all applicable local, state and
federal laws. Back to top



Updates and Reverse Engineering
By using the Service, you agree to receive any applicable software updates that
may be issued from time to time by Cigna. You agree to accept and install such
updates as part of your use of the Service. You also agree not to reverse
engineer, modify, decompile, adapt, translate, disassemble, or otherwise attempt
to discover the source code of the Service and/or any Cigna application.Back to
top

Limitation of Liability
You agree by accessing the Service that under no circumstances or any theories
of liability under international or civil, common or statutory law including but
not limited to strict liability, negligence or other tort theories or contract,
patent or copyright laws, will Cigna be liable for damages of any kind occurring
from the use of the Service or any information, goods or services obtained on
the Service including direct, indirect, consequential, incidental, or punitive
damages (even if Cigna has been advised of the possibility of such damages), to
the fullest extent permitted by law. Some jurisdictions do not allow the
exclusion or limitation of certain damages so some of these limitations may not
apply to you. Back to top

Calculations and Investment Decisions
Financial calculators/calculations are provided for illustrative purposes only.
You are responsible for verifying the accuracy and suitability of all
assumptions and calculations. Please seek the advice of licensed and/or
competent individuals before making any investment or financial planning
decisions. Do not rely solely on financial calculators/calculations or financial
or retirement information found on the Service. Back to top

Minors and the Children's Online Privacy Protection Act
Except as expressly stated upon initial access to a specific Cigna application
or website, or section of such application or site, the Service does not direct
content to Minors and do not intend to collect personal information from Minors
and therefore are not subject to the Children's Online Privacy Protection Act.

If you allow your minor child, or a child for whom you are legal guardian (a
"Minor"), to access and use the Service, you agree that you will be solely
responsible for: (i) the online conduct of such Minor; (ii) monitoring such
Minor's access to and use of the Service; and (iii) the consequences of any use.
Back to top

The Digital Millennium Copyright Act
Cigna reserves the right, but not the obligation, to terminate your access to
the Service if it determines in its sole and absolute discretion that you are
involved in infringing activity, including alleged acts of first-time or repeat
infringement, regardless of whether the material or activity is ultimately
determined to be infringing. Cigna and its service providers accommodate and do
not interfere with standard technical measures used by copyright owners to
protect materials. Cigna has implemented procedures for receiving written
notification of claimed infringements and for processing such claims in
accordance with the Act. Our designated agent to receive notification of claimed
infringement is:

Troy Larson, Esq.
The Cigna Companies, including Cigna and Cigna Intellectual Property, Inc.
(CIPI)
Two Liberty Place
1601 Chestnut Street
Philadelphia, PA 19192
Phone: 215.761.1000
Email: IntellectualProperty@Cigna.com

Any notice regarding any infringement of copyright or of other proprietary
rights must include the following information:

1. A signature of a person authorized to act on behalf of (i) the owner of an
exclusive right that is allegedly infringed or (ii) the person defamed.

2. Identification of the copyrighted work claimed to have been infringed, or, if
multiple copyrighted works at a single online site are covered by a single
notification, a representative list of such works at that site.

3. Identification of the material that is claimed to be infringing, or to be the
subject of infringing activity, including information reasonably sufficient to
permit us to locate the material.

4. Information reasonably sufficient to permit us to contact you, such as your
address, telephone number, and/or electronic mail address.

5. A statement that you have a good faith belief that use of the material in the
manner complained of is not authorized by the copyright or other proprietary
right owner, its agent, or the law.

If you choose to access the Service from outside the United States you do so on
your own initiative and are responsible for compliance with U.S. and local laws,
if and to the extent that local laws are applicable. Software is subject to
United States export controls. No software may be downloaded or otherwise
exported or re-exported (i) into (or to a national resident of) Cuba, Iraq,
Libya, North Korea, Iran, Syria, or any other country to which the U.S. has
embargoed goods, or (ii) to anyone on the U.S. Treasury Department list of
Specially Designated Nationals or the U.S. Commerce Department's Table of Deny
Orders. You represent and warrant that you are not located in, under the control
of, or a national resident of any such country or on any such list. You agree to
comply with U.S. export control laws and that you will not transfer any software
or other content from the Service to a foreign national or foreign country in
violation of those laws. Back to top

Disclosure Required of Retail Sellers Under California Civil Code Sec. 1714.43
Cigna Home Delivery Pharmacy does not make efforts to identify or eradicate
human trafficking from its direct supply chains for tangible goods that it
offers for sale. Back to top

Changes and Applicable Law
We reserve the right to make changes to the Service and our Legal Disclaimer. We
encourage you to review the Service and these terms periodically for any updates
or changes. Your continued access or use of the Service shall be deemed your
acceptance of these Legal Disclaimers and any changes and the reasonableness of
these standards for notice of changes. Use of the Service and purchases of
products from the Service will be governed by and construed in accordance with
the laws of the Commonwealth of Pennsylvania, without giving effect to its
conflict of law provisions. You agree that any legal action or proceeding
between you and Cigna will be brought exclusively in a federal or state court of
competent jurisdiction sitting in Philadelphia, Pennsylvania. If any provision
of this agreement shall be unlawful, void, or for any reason unenforceable, then
that provision shall be deemed severable from this agreement and shall not
affect the validity and enforceability of any remaining provisions. Back to top

Discrimination is Against the Law

Cigna complies with applicable Federal civil rights laws and does not
discriminate on the basis of race, color, national origin, age, disability, or
sex. Cigna does not exclude people or treat them differently because of race,
color, national origin, age, disability, or sex.

Cigna:

 * Provides free aids and services to people with disabilities to communicate
   effectively with us, such as:
 * Qualified sign language interpreters
 * Written information in other formats (large print, audio, accessible
   electronic formats, other formats)
 * Provides free language services to people whose primary language is not
   English, such as:
 * Qualified interpreters
 * Information written in other languages 

If you need these services, contact Customer Service at the toll-free number
shown on your ID card, and ask a Customer Service Associate for assistance.

If you believe that Cigna has failed to provide these services or discriminated
in another way on the basis of race, color, national origin, age, disability, or
sex, you can file a grievance by sending an email to ACAGrievance@cigna.com or
by writing to the following address:

Cigna
Nondiscrimination Complaint Coordinator
P.O. Box 188016
Chattanooga, TN 37422

If you need assistance filing a written grievance, please call the number on the
back of your ID card or send an email to ACAGrievance@cigna.com. You can also
file a civil rights complaint with the U.S. Department of Health and Human
Services, Office for Civil Rights electronically through the Office for Civil
Rights Complaint Portal, available at
https://ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by mail or phone at:

U.S. Department of Health and Human Services
200 Independence Avenue, SW
Room 509F, HHH Building
Washington, D.C. 20201
1-800-368-1019, 800-537-7697 (TDD)

Complaint forms are available at www.hhs.gov/ocr/office/file/index.html.  Back
to top

State Ombudsman/Consumer Assistance

Access the States and Consumer Assistance Programs documentation for assistance
or an Ombudsman program to help you. Back to top

SMS Terms and Conditions

Cigna or one or more of its affiliates offers access to healthcare service
messages via recurring SMS (Short Message Service) text alerts. Enrollment in
text alerts requires a user to provide his or her own mobile phone number with
an area code within the 50 United States or the District of Columbia. By
enrolling to receive Cigna text or email alerts, you agree to these terms and
conditions, which become effective upon your enrollment. You may be asked to
verify your mobile phone number before the service will start. This requires
responding to a text alert sent to your mobile phone confirming your enrollment
in this Service.

You acknowledge that alerts will be sent to the mobile phone number you provide
to Cigna. Such alerts may include personal information about your health based
on the type of information you choose to receive via electronic communication,
and whoever has access to the mobile phone or carrier account will also be able
to see this information. Once you enroll, the frequency of text alerts we send
to you will vary. Cigna does not impose a separate charge for text alerts;
however, your mobile carrier’s message and data rates may apply depending on the
terms and conditions of your mobile phone contract. You are solely responsible
for all message and data charges that you incur. Please contact your mobile
service provider about such charges. The following carriers are supported: AT&T,
Verizon Wireless, Sprint, T-Mobile, U.S. Cellular, Boost Mobile, MetroPCS,
Virgin Mobile, Alaska Communications Systems (ACS), Appalachian Wireless (EKN),
Bluegrass Cellular, Cellular One of East Central, IL (ECIT), Cellular One of
Northeast Pennsylvania, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element
Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State,
Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland
Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man),
Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle
Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP
Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless,
and West Central (WCC or 5 Star Wireless).

You may opt out of Cigna text alerts at any time. To stop receiving text alerts,
text STOP to the number upon which you are receiving text alerts, including
26764, 32882, 36486, 24796, (or the number from which you are receiving Cigna
alerts). After you submit a request to unsubscribe, you will receive one final
text alert from Cigna confirming that you will no longer receive text alerts. No
additional text alerts will be sent unless you re-activate your enrollment to
the text alert program. For questions about text alerts, text the word HELP to
26764, 32882, 36486, or 24796. Text alerts may come from any one of these short
codes and Cigna may change, add or remove short codes as necessary.Back to top




 * HEALTH AND WELLNESS
   
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Disclaimer

Individual and family medical and dental insurance plans are insured by Cigna
Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc.,
Cigna HealthCare of Illinois, Inc., and Cigna HealthCare of North Carolina, Inc.
Group health insurance and health benefit plans are insured or administered by
CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates
(see a listing of the legal entities that insure or administer group HMO, dental
HMO, and other products or services in your state). Group Universal Life (GUL)
insurance plans are insured by CGLIC. Life (other than GUL), accident, critical
illness, hospital indemnity, and disability plans 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). All
insurance policies and group benefit plans contain exclusions and limitations.
For availability, costs and complete details of coverage, contact a licensed
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