Loyal American Life Insurance Company is a U.S. insurer that issues Medicare Supplement (Medigap) and supplemental health and life policies. It is no longer part of Cigna; as of October 23, 2026, it is associated with HealthSpring, the Medicare brand of Health Care Service Corporation (HCSC).
What Is Loyal American Life Insurance?
Loyal American Life Insurance Company is a licensed life and health insurer founded in 1955. Its AM Best listing identifies it with an Ohio domicile and NAIC code 65722.
| Company detail | Information |
|---|---|
| Company type | Life and health insurer |
| Founded | 1955 |
| NAIC code | 65722 |
| Main products | Medicare Supplement, cancer, heart and stroke, hospital indemnity, whole life |
| Current consumer brand | HealthSpring |
Who Owns Loyal American Life Insurance Company? Is It Part of Cigna?
It used to be part of Cigna’s Medicare business, but it is not today. Cigna completed the sale of its Medicare and supplemental benefits businesses to HCSC on March 19, 2025. HealthSpring is HCSC’s Medicare brand, and its materials identify Loyal American as one of the insurers that may underwrite its Medicare Supplement policies.
| Question | Answer |
|---|---|
| Is Loyal American part of Cigna today? | No. The business moved to HCSC in 2025. |
| Who owns it now? | Health Care Service Corporation (HCSC) |
| Why do older pages say “Cigna”? | They were written before the sale or have not been updated. |
| Did coverage change? | Your policy contract and current plan documents control your benefits. |
Why it matters: An old Cigna card or letter may still be useful paperwork, but for billing or claims questions, use the contact details on your current policy and ID card rather than an outdated Cigna page.
What Does Loyal American Life Insurance Cover?
Loyal American products fall into two groups: Medicare Supplement insurance and limited-benefit supplemental policies. Only the first is Medigap. HealthSpring’s supplemental products are insured by Loyal American and explicitly state that they are not Medicare Supplement insurance.
| Product | What it does | Notes |
|---|---|---|
| Medicare Supplement (Medigap) | Helps pay costs Original Medicare leaves behind, such as copays, deductibles, and coinsurance | Plan availability varies by state; HealthSpring lists plans including A, G, N, and High Deductible G. |
| Lump-sum heart attack and stroke | Pays a cash benefit after a covered event | A limited-benefit supplemental policy, not comprehensive health insurance. |
| Lump-sum cancer / cancer treatment | Pays cash benefits after a covered diagnosis or during covered treatment | Cancer-only policies. |
| Hospital indemnity | Pays a fixed benefit amount for a covered hospitalization | HealthSpring describes this as a fixed indemnity policy, not health insurance. |
| Whole life | Provides a death benefit that can help with final expenses | HealthSpring lists Loyal American as the insurer for its individual whole life policies. |
Loyal American is one of several insurers that may issue a HealthSpring Medicare Supplement policy. HealthSpring also lists American Retirement Life, HealthSpring Insurance, HealthSpring National Health Insurance, and Medco Containment as possible insurers; your Outline of Coverage identifies the actual issuer.
Loyal American Medicare Supplement: How It Works
Medigap works alongside Original Medicare. Medicare pays its share of approved costs first, and the Medigap policy then pays its share according to the plan’s benefits.
| Rule | Detail |
|---|---|
| Who it covers | One person only; spouses need separate policies |
| Standardized benefits | Benefits are the same for a given plan letter, regardless of insurer |
| Renewal | Generally guaranteed renewable if premiums are paid on time |
| Drug coverage | Not included; standalone Part D plans are sold separately |
| Medicare Advantage | You generally cannot buy Medigap while enrolled in a Medicare Advantage plan |
Shopping tip: Because Medigap benefits are standardized by plan letter, compare the same plan letter across insurers for premium, underwriting, and service differences.
Loyal American Life Insurance Eligibility Verification
This phrase can mean two different things: eligibility to buy a policy, or verification of a patient’s coverage.
If you want to buy a policy
| Requirement | Detail |
|---|---|
| Medicare enrollment | You generally need Medicare Part A and Part B |
| Age | Usually 65 or older; some states allow under-65 eligibility due to disability |
| Open Enrollment | Six months beginning the month you turn 65 and are enrolled in Part B |
| Outside Open Enrollment | You may face medical underwriting and possible denial, unless you have guaranteed-issue rights |
If you are a provider checking coverage
- Start with the patient’s ID card, which identifies the insurer and servicing contacts.
- HealthSpring provides provider tools for its Medicare Advantage business through Availity Essentials.
- For Medigap, Medicare is generally billed first, so the patient’s ID card and policy documents are the safest starting point.
Provider Portal and Provider Phone Number
HealthSpring’s provider resources reference Availity Essentials for Medicare Advantage eligibility, claims, and claim status. A dedicated Loyal American-specific provider portal was not verified, so providers should rely on the payer information printed on the member’s ID card.
| Item | Status |
|---|---|
| Availity Essentials | Used for HealthSpring Medicare Advantage transactions |
| Payer ID 52192 | Associated with HealthSpring Medicare Advantage claims |
| Loyal-specific provider line | Not verified; use the contact details on the patient’s ID card |
Scam warning: Only log in through official domains such as healthspring.com or availity.com. Never enter login credentials or a Social Security number on an unfamiliar site.
Claims Address
A current, universal Medigap claims mailing address could not be verified. Use the claims address printed on your policy, Outline of Coverage, or current ID card. Mailing a claim to an old Cigna-era address can delay processing.
| Address seen | Where it appears | Safe for claims? |
|---|---|---|
| 300 East Randolph Street, Chicago, IL 60601 | HealthSpring / HCSC corporate disclosures | Not stated as a claims address |
| P.O. Box 1004, Nashville, TN 37202 | HealthSpring member forms and Medicare Advantage reimbursement | No; Medicare Advantage only |
| P.O. Box 26580, Austin, TX 78755 | Older Cigna-era materials | Do not rely on it; likely outdated |
How to Reach Loyal American Life Insurance
| Need | Where to go |
|---|---|
| Existing member support | Call the number on your ID card |
| Online account | myHealthSpring at healthspring.com |
| Medigap member hours | 8 a.m.–8 p.m. ET, Monday–Friday, per HealthSpring. [7][8] |
| Shopping for a plan | HealthSpring lists (877) 349-2897 (TTY 711) for licensed-agent assistance. [1] |
| General Medicare questions | 1-800-MEDICARE |
How to Check Loyal American Is Legitimate
- License: Search your state Department of Insurance using NAIC code 65722.
- Financial strength: Look up Loyal American on AM Best.
- Ownership and branding: Confirm current disclosures on healthspring.com or hcsc.com.
- Agent verification: Ask for the exact insurer name shown on your Outline of Coverage.
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FAQs
Can I buy this Medigap policy if I have a Medicare Advantage plan?
Generally no. Medigap is designed to work with Original Medicare, not Medicare Advantage.
Can I switch to a different company later?
Yes, but outside Medigap Open Enrollment you may face medical underwriting, and the new insurer may decline the application.
Does Medigap cover my spouse?
No. A Medigap policy covers only one person; each spouse needs a separate policy.
