Cigna Cancer Insurance: Now Sold as HealthSpring Lump Sum and Treatment Plans

Key Takeaway

Cigna’s individual cancer insurance is now sold under the HealthSpring brand and underwritten by Loyal American Life Insurance Company, part of Health Care Service Corporation. It offers a lump sum plan paying $5,000 to $100,000 and a cancer treatment plan, with issue ages of 18 to 99 in most states.

Already have a Cigna policy? These plans are guaranteed renewable for life, so an in-force policy generally continues as long as premiums are paid. Check your latest bill or policy documents to see which company now services your coverage.

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Cancer Recurrence Benefit Rider. Pays a share of your benefit, up to an extra 100%, for a later diagnosis if you had no advice or treatment for at least two years after the last one.

Radiation and Chemotherapy Rider. Pays for covered cancer or carcinoma in situ treatment. It must be bought together with the recurrence rider, and skin cancer is excluded.

Lump Sum Heart Attack and Stroke Rider. Adds heart attack and stroke protection to the same policy.

Optional riders: A Lump Sum Cancer Rider of $5,000 to $100,000, a Lump Sum Heart Attack and Stroke Rider, and Hospital and Intensive Care Unit riders that each pay $100 to $1,000 a day for a stay of at least 24 hours.

Strong fit: People who want a high lump sum ceiling of up to $100,000 or a plan that grows with riders.

Strong fit: Older applicants who may be past the age limits of other carriers.

Weaker fit: People who live in a state where the plan they want is not sold, such as New York or Idaho.

Check first: A past cancer can affect whether you qualify, and a cancer diagnosed before coverage starts is not covered.

Choose a plan style. Pick the lump sum plan for one flexible check, or the treatment plan for ongoing benefits.

Set your benefit amount. Match it to your deductible, out-of-pocket maximum and a few months of bills.

Add riders that matter to you. Recurrence, chemotherapy and radiation, hospital, ICU or heart attack and stroke.

Confirm your state. Make sure the plan and riders are sold where you live.

Apply. An application with health questions is required. See how to apply for a Cigna cancer insurance policy.

Related: Cigna critical illness insurance What the Cigna workplace plan pays, how second claims work and which Cigna company issues it.

➤ Does Cigna still sell cancer insurance?

Cigna’s individual cancer insurance is now sold as HealthSpring. In 2025, HCSC bought Cigna’s Medicare and supplemental benefits business, and the plans are underwritten by Loyal American Life Insurance Company, an HCSC company.

➤ What cancer plans does HealthSpring offer?

HealthSpring offers Lump Sum Cancer Insurance, which pays one cash benefit after a covered diagnosis, and Cancer Treatment Insurance, which pays cash benefits for covered treatment and related costs.

➤ How much does the HealthSpring lump sum cancer plan pay?

You choose a benefit from $5,000 to $100,000, depending on your state. South Carolina and Washington have a $25,000 minimum. The money is paid to you.

➤ Who can buy Cigna HealthSpring cancer insurance?

HealthSpring lists issue ages of 18 to 99, varying by state. An application is required, and the plans are not sold in every state.

➤ Does HealthSpring cancer insurance pay for a recurrence?

With the Cancer Recurrence Benefit Rider, it can pay a share of your benefit, up to an extra 100%, if you had no advice or treatment for at least two years after the last diagnosis.

➤ Does Cigna HealthSpring cancer insurance replace health insurance?

No. It is a limited-benefit supplemental policy that pays cash on top of your employer plan, ACA plan or Medicare. It does not count as minimum essential coverage.

➤ Is my old Cigna cancer policy still valid?

These policies are guaranteed renewable for life, so they generally stay in force while premiums are paid. Check your latest bill or policy documents to confirm who services your coverage.

➤ What is the AM Best rating for Cigna HealthSpring cancer insurance?

In January 2026, AM Best affirmed an A (Excellent) financial strength rating with a stable outlook for Loyal American Life Insurance Company, the insurer behind HealthSpring’s supplemental plans.

Cancer Insurance Quotes

Call a Licensed Agent Now

Compare cancer insurance plans and cash benefits from several insurance companies in one call.

☎ 1-888-891-0229

No obligation to buy