America's Benefit Specialist October 2023

PRODUCT NEWS

CIGNA HEALTHCARE HELPS CUSTOMERS SCREEN FOR DENTAL HEALTH ISSUES FROM THEIR SMARTPHONE

LIFESECURE UNVEILS HOSPITAL INDEMNITY INSURANCE LifeSecure Insurance Company recently announced the launch of its Hospital Indemnity Insurance to the individual and worksite markets in 29 states with additional states soon to follow. The new customizable coverage aims to protect customers of almost any age from out-of-pocket costs and financial stress that often accompany an unexpected hospi tal stay. “LifeSecure is proud to deliver another straightforward and flexible solution designed to meet the needs of today’s agents and consumers,” said Patrick Prichard, LifeSecure president and CEO. “Hospital stays already cause enough stress, which is easily compounded by hospital bills and oth er expenses. Our new Hospital Indemnity Insurance allows more agents to protect their clients with affordable, custom izable coverage that helps them focus on their recovery after an unexpected health event instead of how much it will cost to get better.” The company’s new Hospital Indemnity Insurance rep resents a significant redesign of the product with improved customization and benefits for both inpatient and observa tion care, including admissions resulting from mental health and nervous disorders. Customers can tailor their coverage to complement their health plans by selecting a preferred daily benefit amount and rolling benefit periods of three, six, 10 or 21 days, which can reset throughout the year. Several optional benefit-en hancing riders are also available for further customization, including lump sum hospital admission, outpatient surgery, emergency and ambulance, rehab/skilled nursing facility and more. Key features include: • simple online application and an easy selling experience • guaranteed-issue individual coverage for ages 64.5-66; guaranteed-issue worksite opportunities • no coordination of benefits • guaranteed renewable coverage for life Hospital Indemnity Insurance is now available in Alaska, Al abama, Arkansas, Arizona, Colorado, Connecticut, Delaware, Georgia, Hawaii, Iowa, Illinois, Kentucky, Louisiana, Maine, Michigan, Minnesota, Mississippi, Missouri, Montana, North Dakota, Nebraska, Nevada, Oklahoma, South Dakota, Ten nessee, Texas, Utah, Wisconsin and West Virginia. Additional information is available at www.YourLifeSecure.com.

Cigna Healthcare’s dental customers are now able to use their smartphone to screen for potential oral health issues such as cavities and gum disease. The no-cost screenings are powered by SmartScan and aim to encourage the millions of people who suffer from anxiety around dental visits to get informed about their oral health from the comfort of their home. “Many people fear the dentist or the costs that follow a dental visit, which causes them to delay care, making them susceptible to tooth decay and gum disease,” said Dr. Cary Sun, chief dental officer at Cigna Healthcare. “Together with SmartScan, we are providing a quick and convenient way for people to access an oral health screening from home.” The online tool by Dental.com provides step-by-step instructions to help a customer take five guided photos of their teeth and mouth. SmartScan analyzes the photos, which are then reviewed by a Cigna Healthcare network dentist. In addition to providing an oral health score and per sonalized dental tips, the tool identifies areas of concern and helps connect customers to a virtual or in-person dentist for follow-up care. SmartScan can also be used for quick check ins between one’s dental visits, especially if a customer starts to experience tooth pain. Roughly 36% of adults have not had a dental exam or cleaning in the past year, according to the Centers for Dis ease Control and Prevention. “While this is not a replacement for regular, in-person dental care, this tool empowers people to stay aware of their oral health and provides peace of mind when dental concerns arise,” Dr. Sun said. This virtual-care solution is part of Cigna Dental Health Connect, a suite of clinical programs designed to help em ployers provide meaningful dental-care services tailored for their workforce, and makes it more convenient for customers to access care when and where they need it. It became avail able August 17 to more than 16.5 million of Cigna Healthcare customers with dental coverage through their employers or ACA Marketplace plans. Learn more at cignahealthcare.com.

HEALTHPARTNERS NOW OFFERING LIFESTYLE SPENDING ACCOUNTS HealthPartners recently announced that it’s offering lifestyle spending accounts (LSAs) to employers for the coming year,

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