Ten-Day Free Trial After the applicant reviews the policy, if they are not satis fi ed for any reason, they can call Cigna at the number on their policy within 10 days. Cigna will refund any premium they’ve paid (including contract fees or other charges) less the cost of any services paid on their behalf or on behalf of any of their covered dependents. Insufficient Funds Charge The applicant is responsible for an additional charge of $45 for any check or electronic funds transfer that is returned to Cigna unpaid. Age and Dependent Requirements All applicants applying for coverage must meet age, dependent status and residency requirements. › Since September 23, 2010, the PPACA has required all health plans to provide coverage without limits to dependents until their 26th birthday. 1 › The PPACA Extended Dependent Coverage rule applies to all health insurance plans, including medical, behavioral and pharmacy benefits. The rule does not apply to “excepted benefits” under the Health Insurance Portability and Accountability Act, such as dental or vision benefits offered separately from medical health benefits. › In addition, young adults qualify f or this coverage even if they no longer live with a parent, are not a dependent on a parent’s tax return or are no longer students. Both married and unmarried young adults can qualify for the dependent coverage extension, although that coverage does not extend to a young adult’s spouse or children. Student, military or marital status does not affect dependent eligibility. › According to a changed tax code rule, we interpret a dependent for purposes of this requirement to mean son, daughter, stepson, stepdaughter or eligible foster child of the taxpayer. › Policyholder’s or spouse’s children, regardless of age, who are enrolled prior to age 26 and are incapable of self-support due to a medically certified continuing behavioral or physical disability and are dependent upon the insured for support, can continue coverage with written proof of disability and dependency within 61 days after the child’s 26th birthday. Cigna may require written proof of such disability or dependency thereafter. Signature Requirements All applicants and dependents age 18 and older must sign and date the application. The application must be received by us within 30 days from the signature date. Residency Requirements › A customer must be a citizen or national of the United States, or a noncitizen who is lawfully present in the United States, and is reasonably expected to be a citizen, national or noncitizen who is lawfully present for the entire period for which enrollment is sought. › Citizens/expatriates who have been living and working outside the United States and who are in the process of returning to the United States are eligible to apply. The requested effective date must be after their return to the United States. › Customers must reside in our service area. CUSTOMER INFORMATION 1. Some states require that insurance policies provide dependent coverage beyond age 26; these rules and any associated restrictions apply after age 26.