Cigna Health and Life Insurance Company offers this marketplace health insurance plan (Plan ID 99248TN0030002) so you can compare premiums, coverage levels, and provider access against other health plan insurance options. Use the modules below to decide whether this is the best health insurance plan for your household or if another insurance health plan fits better.
Marketplace enrollment for 2026 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Tennessee). Submit changes before the deadline to avoid a coverage gap.
Enroll by Dec 15 for Jan 1 starts.
Finalize plan switches before the window closes.
Special Enrollment Periods
You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).
Report the event within 60 days.
Keep documentation handy for Healthcare.gov or your state exchange.
CSR & subsidy reminders
Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.
Enter accurate income to maximize Advanced Premium Tax Credits.
Standard Low On Exchange Plan plans like this one keep deductibles and copays lower if you qualify.
Thinking about switching?
Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.
Match provider networks so ongoing care isn’t disrupted.
Confirm prescriptions stay on-formulary or budget for tier changes.
Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.
Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 02 Dec 2025 06:13 GMT).
All providers in TennesseeN/A
PCPs in TennesseeN/A
Telehealth supportData pending
Nationwide providersN/A
N/A doctors statewideN/A PCPsN/A OB/GYN
Provider network(s)
['TNN002']
Providers
Tennessee
All US states
All
N/A
N/A
PCP
N/A
N/A
Allergy
N/A
N/A
OB/GYN
N/A
N/A
Dentists
N/A
N/A
Drug coverage overview
0 drugs tracked
Inspect tier distribution plus authorization, step therapy, and quantity-limit counts sourced from HealthPorta’s formulary import.
Prior authorization
Drugs
Required
0
Not Required
0
Step therapy
Drugs
Required
0
Not Required
0
Quantity limits
Drugs
Has Limit
0
No Limit
0
Customer highlights
What stands out for members
Issuer: Cigna Health and Life Insurance Company · Plan ID 99248TN0030002 · 2026 filing.
Child Coverage Only. Please refer to the Plan Brochure for detailed services covered, not covered, and frequency limitations.
Accidental Dental Adult
20.00% Coinsurance after deductible
Tier 1 in-network20.00% Coinsurance after deductible
Out-of-network20.00% Coinsurance after deductible
Adult dental benefits are subject to $1000 per person per year maximum for all covered services. Please refer to the Plan Brochure for detailed services covered, not covered, and frequency limitations.
Basic Dental Care - Adult
20.00% Coinsurance after deductible
Tier 1 in-network20.00% Coinsurance after deductible
Out-of-network20.00% Coinsurance after deductible
Adult dental benefits are subject to $1000 per person per year maximum for all covered services. Please refer to the Plan Brochure for detailed services covered, not covered, and frequency limitations.
Dental Check-Up for Children
0.00%
Tier 1 in-network0.00%
Out-of-network0.00%
Limit: 1.0 Exam(s) per 6 Months
Dental Check-up is limited to 1 per 6 consecutive month period. Please refer to the Plan Brochure for detailed services covered, not covered, and frequency limitations.
Major Dental Care - Adult
50.00% Coinsurance after deductible
Tier 1 in-network50.00% Coinsurance after deductible
Out-of-network50.00% Coinsurance after deductible
Adult dental benefits are subject to $1000 per person per year maximum for all covered services. Routine Dental Services is limited to 1 per 6 consecutive month period. Please refer to the Plan Brochure for detailed services covered, not covered, and frequency limitations.
Orthodontia - Adult
Coverage details pending
Issuer did not share extra notes for this benefit beyond the summary above.
Orthodontia - Child
50.00% Coinsurance after deductible
Tier 1 in-network50.00% Coinsurance after deductible
Out-of-network50.00% Coinsurance after deductible
Medically necessary only. Please refer to the Plan Brochure for detailed services covered, not covered, and frequency limitations.
Routine Dental Services (Adult)
0.00%
Tier 1 in-network0.00%
Out-of-network0.00%
Limit: 1.0 Visit(s) per 6 Months
Adult dental benefits are subject to $1000 per person per year maximum for all covered services. Routine Dental Services is limited to 1 per 6 consecutive month period. Please refer to the Plan Brochure for detailed services covered, not covered, and frequency limitations.
Variant attributes
Cigna Dental Family + Pediatric · Variant 99248TN0030002-01
Plan identifiers & tier
Issuer-provided metadata for this variant.
Business Year
2026
CSR Variation Type
Standard Low On Exchange Plan
HIOS Product ID
99248TN003
Metal Level
Low
Plan ID (Standard Component ID with Variant)
99248TN0030002-01
Plan Marketing Name
Cigna Dental Family + Pediatric
Plan Variant Marketing Name
Cigna Dental Family + Pediatric
Issuer & service area
Issuer-provided metadata for this variant.
Issuer ID
99248
Issuer Marketplace Marketing Name
Cigna Healthcare
Market Coverage
Individual
Multiple In Network Tiers
No
National Network
Yes
Network ID
TNN002
Out of Country Coverage
Yes
Out of Country Coverage Description
Emergency Services
Out of Service Area Coverage
Yes
Out of Service Area Coverage Description
All Services
Service Area ID
TNS002
State Code
TN
Cost sharing & actuarial values
Issuer-provided metadata for this variant.
Begin Primary Care Deductible Coinsurance After Number Of Copays
0
Inpatient Copayment Maximum Days
0
Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out Network, Family Per Group
$850 per group
Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out Network, Family Per Person
$425 per person
Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out
$425
Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Family Per Group
per group not applicable
Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Family Per Person
per person not applicable
Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Individual
Not Applicable
Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Family Per Group
per group not applicable
Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Family Per Person
per person not applicable
Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Individual
Disclaimer: Based on the Tue, 02 Dec 2025 06:13 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
