Why Offer Cigna CHS Plans – A Smart Add-On for Today’s Medicare Market
Why offer Cigna CHS plans; in today’s shifting healthcare landscape, consumers are more concerned than ever about unexpected medical costs. This is especially true of those triggered by major health events like cancer, heart attacks, and strokes. For agents, this concern represents a major opportunity. Cigna’s Cancer, Heart Attack & Stroke (CHS) plans have quickly become one of the most valuable supplemental products to offer alongside Medicare Advantage, Medigap, and individual health insurance.
Here’s why CHS coverage should be part of your 2026 sales strategy.
CHS Plans Fill a Critical Financial Gap
Cancer, heart attacks, and strokes are among the costliest and most common medical events for U.S. adults. Even insured clients often face:
- High deductibles and co-pays
- Hospitalization charges
- Travel and lodging for treatment
- Lost income or caregiver costs
Cigna’s CHS plans provide a lump-sum cash benefit clients can use for anything; medical or non-medical. This flexibility allows families to stay financially stable during the most stressful moments of their lives.
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Cigna Offers Strong, Recognizable Branding
Cigna is a trusted national name, and clients feel confident purchasing protection from a carrier they already associate with quality and service. This instantly boosts your credibility and reduces objection rates that often happen with lesser-known supplemental carriers.
Simple, Streamlined Underwriting
Cigna’s underwriting for CHS plans are straightforward, agent-friendly, and designed for quick approvals. This makes CHS an easy add-on during:
- Medicare Advantage reviews
- Medigap comparisons
- ACA Special Enrollment conversations
- Life insurance appointments
Faster underwriting means more closed sales and fewer follow-ups.
Competitive Premiums & High Value for the Client
CHS premiums remain very affordable; even for clients on a fixed income. For many households, adding this coverage costs less per month than common streaming subscriptions. Yet the payout during a claim can be life-changing.
For agents, this creates a high-value, low-resistance product that clients appreciate and rarely cancel.
A Perfect Cross-Sell During Annual Reviews
If you’re an active Medicare agent, you’re already meeting clients every year. CHS coverage fits seamlessly into that conversation:
“Your current plan looks good, but let’s also talk about financial protection if something major happens.”
These products can add revenue, boost client retention, and strengthen your role as a full-service advisor.
Easy to Explain, Easy to Sell
You don’t need complex charts or benefit summaries. Clients understand cancer, heart attacks, and strokes; they’ve seen friends, family, or coworkers experience them. The product is relatable and instantly makes sense.
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Helps Protect Your Book of Business
When you offer supplemental solutions that truly help clients, they are far more likely to stay with you long-term. CHS adds stickiness to your business and positions you as a proactive agent who delivers value, not just someone who enrolls clients into a single plan.
Cigna’s Cancer, Heart Attack & Stroke plans are one of the simplest and most impactful products you can add to your portfolio in 2026. They support your clients, improve financial security, and create a reliable revenue stream for your business.
Agents, stay up-to-date on the our latest webinars an agent events.
If you’re looking for a product that offers strong benefits, easy conversations, and meaningful protection; Cigna CHS is a must-have in your lineup.
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