Individual Health Insurance FAQs

Who should I call if I have questions regarding application and payment?

For questions regarding your application and payment, please call Cigna at 1.866.438.2446.

After enrolling, if you have questions, please call:

On Marketplace: 1.877.900.1237

Off Marketplace: 1.877.484.5967

Do I have to enter my payment information to submit the application?

Yes, you will need to enter your payment information to submit the application. However, there is no application fee. Payment is due when your application is processed so that your coverage will begin on the date specified. Your account will not be charged until your application is processed. Cigna accepts most major credit/debit cards, as well as direct bank debits for medical coverage. Coverage begins once the payment is accepted and on the date you choose.

How do I obtain health insurance for my minor child?

Children are eligible for all plans, but dependent age requirements vary by state. 

If you are adding a dependent child to your plan, call:

On Marketplace: 1.877.900.1237

Off Marketplace: 1.877.484.5967

When will my Cigna medical plan start?

Effective dates are generally assigned to the 1st of the month. The next available effective date will be assigned, if not selected on the application. You will receive written confirmation of your policy’s effective date when your payment is processed.

Will I be covered if I am in an accident and Cigna has not finished processing my application?

No, your coverage cannot begin until your application has been processed, on the effective date you choose on your application.

Am I covered outside of the service area and outside of the country?

Depending on your plan, benefits may or may not include out-of-network coverage. Refer to your policy for important coverage information. Outside of the U.S., coverage is limited to emergency services as defined in the policy.

Is there a contract, or can I cancel at anytime?

You may cancel the policy on the first of the month following our receipt of your written notice. However, dropping a plan could result in a tax penalty if you do not have other coverage, such as a group plan through an employer. If you do not have other coverage, you may not be able to repurchase a plan before Open Enrollment for the next plan year begins, unless the change is due to a qualifying life event.

Could I change my Cigna plan mid-year?

A change in plans can only be made during the annual Open Enrollment Period, or during a Special Enrollment Period due to a qualifying life event:

  • You or any of your dependents lost minimum essential coverage
  • You gained or became a dependent through marriage, birth, adoption or placement for adoption or foster care
  • You experienced an error in enrollment
  • You have adequately demonstrated that the plan or issuer substantially violated a material provision of the contract in which you are enrolled
  • You became newly eligible or ineligible for advance payments of the premium tax credit or are experiencing a change in eligibility for cost-sharing reductions
  • You made a permanent move and new coverage is available
  • You experienced other qualifying life changes. Other qualifying life events can be found on

The plan change must occur within 60 days of the qualifying life event.

If you are already enrolled in a Cigna plan and you would like to make changes to your coverage, please call:

On Marketplace: 1.877.900.1237

Off Marketplace: 1.877.484.5967

Are Cigna health plans less expensive than COBRA?

It may be worthwhile to explore if a Cigna health plan may be more cost effective than paying COBRA rates for your former plan. With an employment status change, you may become eligible to purchase a marketplace plan if your income has been affected. 

How much does a Cigna health plan cost?

Cigna plan costs vary by plan design, where you live, your age, the number of people in your family and their ages, and tobacco use, except in California and Maryland. You may be eligible for a federal premium tax credit or cost-sharing reductions to help you pay for health care costs.

Will my monthly premium change if I have a birthday that puts me into a different age category?

Your monthly premium will automatically adjust the next Open Enrollment period following a birthday.

If a dependent child is no longer eligible for coverage during the plan year due to their age, he or she will be offered a Cigna plan at the next Open Enrollment period and will be removed from his or her parent’s policy. Learn more about the rules for dependent coverage in our health care reform FAQs.

Who do I call if I have a question about my monthly premium?

If you’re already a Cigna Individual or Family Plan customer and you have a question about your monthly premium simply call 1.877.484.5967. If you have a Cigna marketplace plan, please call 1.877.900.1237.

When are my payments due?

Your initial payment is due when you apply. After that, Cigna will bill you monthly.

Who should I call if I have questions about a bill that I received?

For premium billing questions and payments call 1.877.484.5967. After enrolling, if you have questions, please call Cigna:

On Marketplace: call 1.866.900.1237
Off Marketplace: call 1.877.484.5967
8:00 am – 10:00 pm (ET), Monday - Friday

For questions on a bill or claim from a health care professional call us anytime at 1.800.244.6224.

If I'm traveling, can I go to any doctor?

Depending on your plan, benefits may or may not include access to in-network and out-of-network benefits while traveling. Coverage and reimbursement varies by plan. Refer to your policy for details.

You should reference the provider directory at to find health care professionals in-network to minimize your out-of-pocket expenses. Emergency services are covered as defined in your policy.  In the event of an emergency, dial 911 or go to the nearest facility.

Can I just have a dental plan and not a health plan?

Yes, Cigna offers a variety of dental plans that can be purchased without a health plan. They are available in all states except Washington, plus D.C

What is your maternity coverage?

Maternity coverage is considered an Essential Health Benefit under the Affordable Care Act (otherwise known as Health Care Reform), though coverage may vary by plan.

For information about maternity coverage, please call one of our licensed agents at 1.866.438.2446.

Where can I get information on the Federal Marketplace?

Visit the Health Insurance Marketplace website at or call 1.800.318.2596.

Where can I get information on Connect for Health Colorado?

Visit the Connect for Health Colorado website at or call 855.752.6749.

Where can I get information on the Maryland Health Insurance Marketplace?

You can visit Maryland’s Health Insurance marketplace website at You may also call 855.642.8572 to speak with a Marketplace representative.