My Cigna Insurance: Tailored Solutions for Your Health and Financial Well-being

1. Accessing Your myCigna Account

Having a myCigna account is key to managing your Cigna health insurance plan and accessing important information about your coverage. Here's what you need to know about logging in, resetting your password, and activating a new myCigna account:

1.1 Logging In to Your myCigna Account

To log in to your existing myCigna account:

• Go to myCigna.com
• Enter your myCigna username and password
• Click Log In

If you've forgotten your username or password, you can click the links on the login page to recover them.

1.2 Resetting Your myCigna Password

To reset your myCigna password:

• Click Forgot User ID? or Forgot Password? on the myCigna login page
• Follow the prompts to verify your identity and set a new password
• You'll receive a confirmation email when the reset is complete

1.3 Activating Your myCigna Account

To activate a new myCigna account:

• Go to myCigna.com and click Register
• Enter your personal information and create a username and password
• Agree to the website terms and conditions
• Answer security questions to verify your identity
• Click Submit to complete activation

Once activated, you can immediately log in using your new credentials. Be sure to keep your username and password safe for future access.

2. Key Features of myCigna

myCigna gives you convenient access to manage your health and benefits information all in one place. Here are some of the key features available through your online myCigna account:

Finding In-Network Providers

• Use the provider search tool to find in-network doctors, hospitals, clinics, pharmacies, and other healthcare providers covered under your Cigna plan.
• Search by provider name, specialty, address, procedures offered, languages spoken, and more.
• See maps and driving directions to provider locations.
• Look up provider ratings, certifications, accepted insurance plans, office hours, and additional details.

Checking Claim Status

• View claim details including dates of service, amount billed, amount paid, patient responsibility, and claim status.
• See explanations for any claims that are denied, pending, or require additional action.
• Check real-time updates as claims are processed by Cigna.

Viewing Health Records

• Access lab results, immunization history, medication lists, and other health records.
• View, download, print or share records securely with doctors.
• See records updated by your healthcare providers after appointments.

Comparing Treatment Costs

• Estimate your out-of-pocket costs for medical procedures and treatments.
• Compare quality and prices of services at different in-network facilities.
• Calculate costs based on your Cigna plan details and account information.
• Get more reliable pricing estimates than calling providers individually.

Completing Health Assessments

• Take personalized health and wellness questionnaires.
• Receive recommended health actions based on your responses.
• Learn about your health risks and access programs to improve them.
• Earn incentives offered by your employer for completing assessments.

3. Understanding Health Insurance Basics

Health insurance provides coverage for medical expenses incurred from illness, injury, or preventive care. It helps pay for costs like doctor visits, hospital stays, prescriptions, tests, and more. There are several key types of health insurance plans:

• HMO (Health Maintenance Organization) - Requires a primary care doctor to manage care and provide referrals for specialists. Out-of-network care is not covered except in emergencies.
• PPO (Preferred Provider Organization) - Allows the insured to see any doctor but pays more for in-network providers. Out-of-network care is partially covered but with higher out-of-pocket costs.
• POS (Point of Service) - Combines aspects of HMO and PPO plans. Usually requires a primary care doctor but allows some out-of-network care.
• HDHP (High Deductible Health Plan) - Has lower premiums but a high deductible that must be met before coverage kicks in. Often paired with an HSA.

Key parts of health insurance include:

• Premium - The recurring amount paid for coverage, often paid monthly or biweekly.
• Deductible - The amount paid out-of-pocket before insurance coverage begins.
• Copay - A fixed fee paid at the time of medical services, like a doctor visit.
• Coinsurance - The percentage of costs paid by the insured after the deductible is met.

Some other common health insurance terms include:

• Claim - A request made to an insurance company to pay for services covered under a plan.
• Coverage - The medical services included and paid for under an insurance plan.
• Provider network - The doctors, hospitals and facilities contracted with an insurer to provide care.
• Benefits - The types and extent of costs covered under an insurance plan.

4. Submitting and Tracking Claims

4.1 How to File a Health Insurance Claim - Contact your health provider to get an itemized bill listing services and charges. - Ask for a medical claim form from Cigna or your provider. Forms are also available online. - Fill out the claim form with your personal information, Cigna ID, and provider details. - Attach the itemized bill and any proof of payment. Keep copies for your records. - Submit the completed form by mail or through your online Cigna account.

4.2 Claim Status Definitions - Received: Cigna got your claim and it is pending review. - In Process: Cigna is reviewing your claim to determine coverage. - Approved: Your claim was accepted and will be paid by Cigna. - Denied: Your claim was rejected and will not be paid by Cigna. - Pended: More information is needed to process your claim.

4.3 Appealing a Denied Claim - First call Cigna to understand why your claim was denied. There may be an easy resolution. - Formally appeal the denied claim in writing within 180 days of denial. - Provide additional documentation to support your appeal if available. - Cigna will review your appeal and provide a decision within 60 days. - If the appeal is denied, you can file a second-level appeal for further review.

4.4 Claim Processing Timeframes - Electronic claims are often processed within 14 days after submission. - Paper claims can take up to 30 days to process after receipt. - Appeals can add 45-60 days to the claims process. - Always track your claims closely and follow up if exceeding these timeframes.

5. Getting Support from Cigna

As a Cigna customer, you have various options to get help and support directly from Cigna when needed.

5.1 Contacting Cigna Customer Service

Cigna has a customer service team available 24/7 to assist with any questions or issues related to your coverage, claims, providers, and more. You can reach them by phone at 1-800-244-6224. Phone support is available in multiple languages.

To get the fastest help, have your Cigna ID card ready when you call. Be prepared to verify your identity for security purposes.

5.2 Using myCigna Chat Support

For quick assistance online, you can use the live chat feature on myCigna.com and the myCigna app. Chat agents are available 24/7 and can pull up your account information to address many common inquiries.

Chat may have quicker response times than calling for minor issues. However, phone is recommended for more complex questions.

5.3 FAQs and Help Articles

Cigna provides an extensive library of FAQs and help articles on their website. These self-service resources allow you to find answers to many questions on your own.

Popular topics include understanding your benefits, finding in-network providers, maximizing your coverage, managing claims, accessing health services, and more.

5.4 Finding Answers on Cigna.com

For fast access to support resources, the main Cigna.com website has helpful tools and information. Key sections to browse include:

• Health Care Professional Directory - Search for in-network doctors, facilities, pharmacies, etc.
• Prescription Drug Price Quote Tool - Compare medication costs
• Health and Wellness - Assessments, trackers, health topics
• Forms & Documents - Downloadable claim and enrollment forms

The website can provide many self-service options without needing to contact Cigna customer service.

6. Additional Cigna Offerings

Cigna provides a range of insurance options beyond medical coverage. These additional offerings allow customers to customize their plans based on their specific needs and get comprehensive protection through Cigna.

6.1 Cigna Dental Insurance

Cigna offers several dental insurance plans that cover services like cleanings, x-rays, fillings, crowns, and more. Their DHMO plan provides the most comprehensive coverage while their DPPO plan allows you to visit any licensed dentist.

• - Coverage for preventive, basic, and major dental services
• - Access to the Cigna Dental Oral Health Integration Program
• - Cost estimator tool to compare procedures

6.2 Cigna Vision Insurance

Cigna vision insurance provides coverage for routine eye exams, glasses, contacts, and discounts on laser vision correction surgery. Their vision plans have a nationwide network of eye doctors and retail chains.

• - $0 copay for standard contact lens exam and fitting
• - Allowance for frames and contact lenses
• - Savings on non-covered lens options and designer brands

6.3 Cigna Medicare Plans

Cigna's Medicare plans include Medicare Advantage, Part D prescription drug plans, and Medicare Supplement plans. These plans aim to provide affordable coverage tailored to seniors' needs.

• - Coverage for hospital, medical, and drug expenses
• - Large nationwide network of doctors/facilities
• - $0 premium plans available in certain areas

6.4 Cigna Behavioral Health Services

Cigna Behavioral Health offers mental health and substance use disorder services. Their programs assist with conditions like depression, anxiety, addiction, and more.

• - Inpatient and outpatient treatment
• - Telehealth options for counseling/therapy
• - Confidential assessments and referrals

7. History and Background of Cigna

When was Cigna Founded? Cigna traces its roots back to the late 18th century. The oldest part of Cigna was founded in 1792 by a group of residents in Philadelphia who formed an insurance association to provide fire insurance. This group was known as the Insurance Company of North America (INA). In 1982, INA merged with Connecticut General (CG) to form Cigna. Today, Cigna carries on the legacy of both INA and CG as a global health services company.

Cigna Company Timeline

• 1792 - Insurance Company of North America (INA) is formed in Philadelphia.
• 1865 - Connecticut General (CG) is founded in Hartford, CT.
• 1968 - INA acquires CG and the holding company INA Corporation is formed.
• 1982 - INA Corporation merges INA and CG and changes name to Cigna.
• 2015 - Cigna acquires QualCare Alliance Networks.
• 2018 - Cigna acquires Express Scripts in $67 billion deal.

Cigna Mergers and Acquisitions Some key mergers and acquisitions in Cigna's history include:

• 1982 - INA Corporation merges with Connecticut General to form Cigna.
• 1997 - Cigna merges with Healthsource.
• 1999 - Cigna acquires HealthCare Partners of California.
• 2015 - Cigna acquires QualCare Alliance Networks.
• 2018 - Cigna acquires Express Scripts in $67 billion deal.

Leadership and Company Structure Cigna operates under a shared services model with global business centers located worldwide. The company is led by CEO David Cordani and has a 14 member Board of Directors. Major divisions and subsidiaries include:

• Cigna HealthCare - provides health, dental, pharmacy, behavioral health, Medicare, and Medicaid plans.
• Express Scripts - pharmacy benefit management services.
• Cigna International Markets - international health insurance and benefits.
• Cigna Global Health - expatriate benefits.

Conclusion

In conclusion, having health insurance through a reputable provider like Cigna provides peace of mind and financial security. The key points covered in this article outline the basics of navigating the myCigna platform to get the most out of your Cigna health plan.

Understanding health insurance terminology, costs, and processes is crucial to making informed decisions about your healthcare. By learning how to access your myCigna account, check claim status, find in-network providers, and compare treatment costs, you can feel empowered as a health care consumer.

The myCigna online portal and mobile app offer convenient and personalized tools to manage your health all in one place. Tracking claims, viewing health records, and completing health assessments on myCigna can help improve your overall wellbeing. With access to dedicated Cigna customer support and resources, you don't have to navigate health insurance alone.

Knowing the basics about health insurance and how to use your myCigna benefits provides you with greater security, freedom and control when it comes to your health care. This knowledge ultimately allows you to get the most value out of your Cigna plan.

FAQs

Here are answers to 7 common questions about myCigna:

What is myCigna?

MyCigna is Cigna's secure online and mobile platform that gives you convenient access to your Cigna health insurance plan details. Through myCigna, you can find providers, check claim status, view and manage benefits, track deductibles and out of pocket spending, get cost estimates for procedures, and more.

How do I register for myCigna?

Registering for myCigna is easy. Visit myCigna.com and click "Register Now." You'll need some personal details like your name, birthdate, member ID number, and the security code on your Cigna insurance card. Follow the prompts to create your username and password.

What can I do on the myCigna app?

The myCigna mobile app lets you access many of the same features as the website. View your ID card, find nearby in-network doctors and facilities, check claim status, view health records, manage and track deductibles and spending, compare costs for procedures, and more.

How do I check the status of a claim?

Checking claim status is easy on myCigna. On the website or mobile app, click/tap on “Coverage” then select “Claims Center.” Here you can view details on pending, approved, or denied claims. You can filter claims by date range or search by keyword.

Can I see my full medical records on myCigna?

Yes, with myCigna you can view your consolidated medical records from multiple providers over several years, giving you a full health history. On web/mobile, click/tap “Health Records” under “Coverage.” You can download or print records too.

How do I find in-network doctors?

You can easily search for in-network doctors, specialists, hospitals, labs, and more providers right from myCigna. Just select “Find Care & Costs” and search by specialty, location, provider name, or type of facility. Results will indicate if the provider is in-network.

What if I have an issue with myCigna?

If you ever have trouble with the myCigna platform, you can contact Cigna's 24/7 customer support. Call the number on your insurance card or access live chat help directly through the myCigna website or mobile app. The “Contact Us” page also has helpful resources.