Health Insurance Plans in Utah

This Policy is for residents of the state of Utah. The Policyholder must notify Us of all changes that may affect any Insured Person's eligibility under this Policy.

You are eligible for coverage under this Policy if, at the time of application:

• You are a citizen or national of the United States, or a non-citizen who is lawfully present in the United States, and are reasonably expected to be a citizen, national, or a non-citizen who is lawfully present for the entire period for which enrollment is sought; and
• You are a resident of the state of Utah; and
• You live in the Service Area in which You are applying, and intend to continue living there for the entire period for which enrollment is sought; and
• You are not incarcerated other than incarceration pending the disposition of charges; and
• You do not reside in an Institution; and
• You have submitted a completed and signed application for coverage and have been accepted in writing by Us. 

The Policyholder must notify Us of all changes that may affect any Insured Person’s eligibility under this Policy.

Other Insured Persons may include the following Family Member(s):

• Your lawful spouse or Your domestic/life partner who lives in the Service Area
• Your children who live in the Service Area until the end of the plan Year in which the child reaches age 26

Your own, Your spouse's or Your domestic/life partner’s Newborn children are automatically covered for the first 31 days of life. To continue coverage past that time, if additional Premium is required, You must enroll the child as a Family Member by applying for his or her enrollment as a Family Member within 60 days of the date of birth, and pay any additional Premium. Coverage for a newborn dependent child enrolled within 60 days of birth will be retroactive to the date of the child’s birth. If additional Premium is not required for the child to receive coverage, You must enroll the child as an Insured Family Member by applying for his or her enrollment as a dependent no later than 30 days after the first notification of denial of a claim for services for that child. Coverage for a newborn dependent child enrolled within this timeframe will be retroactive to the date of the child’s birth. 

An adopted child, including a child who is placed with You for adoption, is automatically covered for 31 days from:

• The moment of birth if adoption placement occurs within 30 days of birth, or
• The date of the adopted child’s placement if placement occurs 30 days or more after birth.

To continue coverage past that time, You must enroll the child as a Family Member by applying for his or her enrollment as a Family Member within 60 days of the date of adoption or birth date, and pay any additional Premium. Coverage for an adopted dependent child enrolled within 60 days of adoption or birth will be retroactive to the date of the child’s placement for adoption or birth date. 

A child who is placed with You for foster care is automatically covered for 31 days from the date of the foster child’s placement. To continue coverage past that time, You must enroll the foster child as a Family Member by applying for his or her enrollment as a dependent within 60 days of the date the child is placed with You for foster care, and pay any additional Premium. Coverage for a foster child enrolled within 60 days of placement for foster care will be retroactive to the date of the child’s placement for foster care.

If a court has ordered a Policyholder to provide coverage for an eligible child (as defined above) coverage will be automatic for the first 31 days following the date on which the court order is issued. To continue coverage past that time, if additional Premium is required, You must enroll the child as a Family Member by applying for his or her enrollment as a Family Member within 60 days of the court order date, and pay any additional Premium. Court-ordered coverage for a dependent child enrolled within 60 days of the court order will be retroactive to the date of the court order. If additional Premium is not required for the child to receive coverage, You must enroll the child as an Insured Family Member by applying for his or her enrollment as a dependent no later than 30 days after the first notification of denial of a claim for services for that child. Court-ordered coverage for a dependent child enrolled within this timeframe will be retroactive to the date of the court order.

• Your stepchildren who live in the Service Area until the end of the plan Year in which the stepchild reaches age 26.
• Your own, or Your spouse's or Your domestic/life partner’s unmarried children, regardless of age, enrolled prior to age 26, or if the Dependent has been continuously enrolled in health coverage with no break in coverage of more than 63 days since the day they reached age 26, who are incapable of self-support due to medically certified continuing intellectual or physical impairment, and are chiefly dependent upon the Insured Person for support and maintenance. Cigna Healthcare may require written proof of such disability and dependency within 31 days prior to the end of the Year in which the child reaches age 26.

Note: A child enrolled as a Family Member under this Policy who resides outside of the Service Area, is entitled to receive, while outside the Service Area, only Emergency Services for Emergency Medical Conditions.