Legal Rights & Agreement Rules · Context
Whose notice this is and what it covers
This is the privacy notice of the Affiliated Insurance Companies of The Cigna Group, which the notice calls “Cigna, we, our and us”. It says it applies to the company’s United States operations and to all personal information Cigna collects about the reader. The notice describes “we” as including, but not limited to, named insurers: Cigna Health and Life Insurance Company and listed state Cigna HealthCare entities for individual and family medical and dental plans, CHLIC, Connecticut General Life Insurance Company or their affiliates for group plans, and CHLIC, Life Insurance Company of North America or New York Life Group Insurance Company of NY for accidental injury, critical illness and hospital care plans. It adds that the last two insurers are not affiliates of The Cigna Group.
Supporting quotations
Privacy Notice of The Affiliated Insurance Companies of The Cigna Group (referred to in this notice as “Cigna, we, our and us”). This privacy notice applies to our United States operations.
This notice applies to all personal information we collect about you.
For purposes of this Notice, “we” or “us” refers to The Affiliated Insurance Companies of “The Cigna Group” which includes but is not limited to the following:
LINA and NYLGICNY are not affiliates of The Cigna Group.
Qualifications & exceptions
- The notice applies to United States operations only.
- “we” is described as including but not limited to the listed insurers, so the list is not exhaustive.
- Which insurer applies depends on the product, such as individual, group or accidental injury, critical illness and hospital care plans.
Not stated here
- The notice does not say whether LINA and NYLGICNY, which it says are not affiliates of The Cigna Group, are bound by its statements as insurers of those plans.
- The listing of legal entities by state that the notice refers to is not part of the supplied text.
- No effective date is stated; the text ends with a form code and copyright year (“902257 g 07/24 © 2024 The Cigna Group”) that the notice does not describe as an effective date.
Cross-references
- contrast (model-proposed): Right to review your personal information by written request — contrast: The notice says it applies to all personal information Cigna collects about the reader, but the right to review is described only for information collected to provide insurance products and services, so the two scopes differ.
Legal Rights & Agreement Rules · Context
Why the notice exists and Cigna’s general commitment
Cigna says it values the reader’s trust and is committed to acting responsibly when it collects, uses and protects personal information. It explains that financial companies, including insurers, choose how they share personal information, and that federal and state laws require it to tell the reader how it collects, shares and protects that information. The commitment is general; the specific protection measures appear in the security section.
Supporting quotations
We value your trust. We are committed to acting responsibly when we collect, use and protect your personal information.
Federal and state laws say that we must tell you how we collect, share and protect your personal information.
Qualifications & exceptions
- The responsible-handling commitment is stated in general terms; specific measures are in the security section.
- The notice names “federal and state laws” without identifying them in this passage.
Not stated here
- The specific federal and state laws behind the notice requirement are not identified in this passage.
Legal Rights & Agreement Rules · User right or choice
Additional rights under other laws and protection from pretext interviews
The notice says the reader may have additional rights under state or other applicable laws. It also says the reader has the right, with very narrow exceptions, not to be subjected to pretext interviews.
Supporting quotations
You may have additional rights under state or other applicable laws. Further, you have the right, with very narrow exceptions, not to be subjected to pretext interviews.
Qualifications & exceptions
- Additional rights under other laws are stated as “may have”.
- The protection from pretext interviews has “very narrow exceptions”.
Not stated here
- The notice does not identify which state or other laws apply.
- “Pretext interviews” and the narrow exceptions are not defined or listed.
Legal Rights & Agreement Rules · Context
Which insurers sit behind each plan type
The closing paragraph links plan types to insurers. Individual and family medical and dental plans are insured by Cigna Health and Life Insurance Company and by Cigna HealthCare of Arizona, Illinois, Georgia, North Carolina, South Carolina and Texas. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company, or their affiliates. Accidental injury, critical illness and hospital care plans are distributed through operating subsidiaries of The Cigna Group Corporation, administered by CHLIC, and insured by CHLIC, Life Insurance Company of North America or New York Life Group Insurance Company of NY. The paragraph also says the Cigna Healthcare name, logo and marks are owned by The Cigna Group Intellectual Property, Inc.
Supporting quotations
Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South 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
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 The Cigna Group Intellectual Property, Inc.
Qualifications & exceptions
- The entity list is introduced as including but not limited to the entities named.
- Group plans are described as insured or administered, so the role can differ by plan.
- The state entities named apply to individual and family medical and dental plans.
Not stated here
- The listing of legal entities by state for group HMO, dental HMO and other products is referred to but not supplied.
- The notice does not say which insurer applies to a particular reader.