Indemnity

Maximum choice

The indemnity plan allows members to visit any provider. They don't choose a primary care physician (PCP) to coordinate their care and treatment, and they don't need a referral to see a specialist.

Member pay the cost of the visit and, typically, are responsible for filing the claim for reimbursement. Members are also responsible for obtaining precertification for hospital admissions.

In addition to their indemnity plan, members may also have a CIGNA Choice Fund®—an employer- or employee-funded account that may be used to pay for qualified health care expenses not covered by their medical plan.

Please contact us for more information about the CIGNA HealthCare indemnity plan, or about how to become a CIGNA HealthCare provider.