HealthCare Frequently Asked Questions

Emergency/urgent care

• What do I do in an emergency?
• Am I covered for emergency/urgent care away from home?
• What's "urgent" care?

What do I do in an emergency?

In an emergency, always seek medical care immediately. Go directly to the nearest emergency facility or call 911. As CIGNA HealthCare participants, you and your family members are covered for emergency medical services anywhere, 24 hours a day, even when you're away from home. An emergency is an accident or sudden illness that a person with an average knowledge of medical science believes needs to be treated right away or it could result in loss of life, serious medical complications or permanent disability.

Some examples of emergencies could include:

• Seizure or loss of consciousness
• Uncontrolled bleeding
• Inability to breathe or shortness of breath
• Poisoning or suspected overdose of medication
• Chest pain or oppressive squeezing sensation in the chest
• Numbness or paralysis of an arm or leg
• Sudden slurred speech
• Broken bones
• Severe pain

You can go to any emergency facility or hospital, anywhere, even one that is not in the CIGNA HealthCare network.

You do not need a referral from your PCP or any authorization before receiving emergency care. You should call your PCP (or have someone call for you) for further assistance and directions on follow-up care. When possible, you should call within 48 hours.

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Am I covered for emergency/urgent care away from home?

Yes, you're always covered wherever you are. See Coverage for more details.

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What's urgent care?

Many situations are not emergencies, but do require immediate medical attention. These situations require what is referred to as urgent care. Examples of urgent care needs include ear infections, sprains, high fevers, vomiting and urinary tract infections. Participants should consult their CIGNA HealthCare network doctors for urgent care.

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