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Home Legal Legal Notices and Information Legal Disclaimers



LEGAL DISCLAIMERS 

By using our websites or any Cigna HealthcareSM 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 HEALTHCARE SUBSIDIARIES

Cigna Healthcare 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 Healthcare. For company name
information, please
visit www.cigna.com/legal/compliance/cigna-company-names.html.


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 Healthcare 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.


LINKS TO CIGNA HEALTHCARE WEBSITES

A. Text Links
Cigna Healthcare grants a nonexclusive, limited permission to the owners of
other web sites ("Linking Site Owners") to link to Cigna Healthcare web sites
using text links. Such link shall not (a) suggest that Cigna Healthcare 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 Healthcare and its products
and services.

Cigna Healthcare 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 Healthcare
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 Healthcare Web Sites" section.

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


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 Healthcare, it will display the
Cigna Healthcare brand and be subject to our Privacy Information and this Legal
Disclaimer. If such a website is a non-Cigna Healthcare site, Cigna Healthcare
neither reviews, controls nor endorses the content and accuracy of any non-Cigna
Healthcare websites or other material, and therefore will not be responsible for
their content and accuracy. Your access to non-Cigna Healthcare websites and
non-Cigna Healthcare 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.


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 Healthcare does not warrant that access to the
Service will be uninterrupted or error free. Cigna Healthcare 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.


VIRUSES, WORMS, USE OF FILES

Cigna Healthcare 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 Healthcare
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 Healthcare 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 Healthcare
copyright holder.


HEALTH INFORMATION

The health information on the Service is provided by Cigna Healthcare 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 Healthcare 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 Healthcare
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 Healthcare cautions the reader that actual results could
differ materially from those that Cigna Healthcare expects, depending on the
outcome of certain factors. In some cases, Cigna Healthcare describes
uncertainties when offering forward-looking statements. Some factors that could
cause our 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
Healthcare filed with the Securities and Exchange Commission.

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


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. The registered marks “Cigna Healthcare,” the “Tree of Life” logo and
other Cigna Healthcare 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 Healthcare Privacy
      Information.

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

You also agree to indemnify and hold Cigna Healthcare 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 Healthcare 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 Healthcare may examine, record, copy and use any information on
the Service in accordance with the Cigna Healthcare 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.


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 Healthcare 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 Healthcare
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 Healthcare 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.


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 Healthcare. 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 Healthcare
application.


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 Healthcare 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 Healthcare 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.


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.


MINORS AND THE CHILDREN'S ONLINE PRIVACY PROTECTION ACT

Except as expressly stated upon initial access to a specific Cigna Healthcare
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.


THE DIGITAL MILLENNIUM COPYRIGHT ACT

Cigna Healthcare 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 Healthcare and its service
providers accommodate and do not interfere with standard technical measures used
by copyright owners to protect materials. Cigna Healthcare 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 GroupSM Companies, including Cigna Healthcare and Cigna Intellectual
Property, Inc. (CIPI)
Two Liberty Place
1601 Chestnut Street
Philadelphia, PA 19192
Phone:
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.


DISCLOSURE REQUIRED OF RETAIL SELLERS UNDER CALIFORNIA CIVIL CODE SEC. 1714.43

Cigna Healthcare 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.


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 Healthcare 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.


DISCRIMINATION IS AGAINST THE LAW

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

Cigna Healthcare:

 * 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 Healthcare 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 Healthcare
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
,  (TDD)
Complaint forms are available at www.hhs.gov/ocr/office/file/index.html.


STATE OMBUDSMAN/CONSUMER ASSISTANCE

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




RELATED LINKS

Accessibility Statement Affiliated Covered Entities (ACE) [PDF] Cigna Healthcare
Company Names Product Disclosures State Policy Disclosures, Exclusions, and
Limitations










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Disclaimer

Product availability may vary by location and plan type and is subject to
change. All health insurance policies and health benefit plans contain
exclusions and limitations. For costs and details of coverage, review your plan
documents or contact a Cigna Healthcare representative.

All Cigna Healthcare products and services are provided exclusively by or
through operating subsidiaries of The Cigna Group Corporation, including Cigna
Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna
HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna
HealthCare of North Carolina, Inc. and Cigna HealthCare of Texas, 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). Accidental Injury, Critical
Illness, and Hospital Care plans or insurance policies are distributed
exclusively by or through operating subsidiaries of The Cigna Group Corporation,
are administered by Cigna Health and Life Insurance Company, and are insured by
either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life
Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New
York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly
known as Cigna Life Insurance Company of New York. The Cigna Healthcare name,
logo, and other Cigna Healthcare marks are owned by Cigna Intellectual Property,
Inc. LINA and NYLGICNY are not affiliates of The Cigna Group.

Selecting these links will take you away from Cigna.com to another website,
which may be a non-Cigna Healthcare website. Cigna Healthcare may not control
the content or links of non-Cigna Healthcare websites. Details

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