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

Who should I call for questions or if I need help completing the Cigna application?

Please call Cigna at 1.866.438.2446. 8:00 am – 10:00 pm (ET), Monday - Friday.

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—there is no age restriction. You can use our simple online quote tool, or call one of our helpful licensed agents at 1.866.438.2446.

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 plan start?

Effective dates are assigned to the 1st of the month. 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 and your selected effective date arrives.

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

For emergencies, you're covered out of the service area—even outside of the U.S. For all non-emergency/non-urgent care, you can receive care from the doctor of your choice. However, you will experience a better value if you visit a doctor that is in our network.

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, unless there is 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
  • 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

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

If you have questions, please call one of our licensed agents at 1.877.438.2446. 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 plans less expensive than COBRA?

It may be worthwhile to explore if a Cigna plan could 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. To find out how you can save with a Cigna plan, or get a price quote, call one of our licensed agents at 1.866.438.2446.

Search Cigna health care reform plans in your state

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. It’s easy to get a personalized online quote from Cigna anytime. You may be eligible for a federal premium tax credit or cost-sharing reductions to help you pay for health care costs. You can also call one of our licensed agents at 1.866.438.2446.

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 following a birthday.

If a dependent turns 26 during the plan year, he or she will be offered a Cigna plan at open enrollment and 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?

If you are travelling within the U.S., you can receive care from the doctor of your choice. However, you will experience a better value if you access health care professionals and facilities in-network. In the event you are travelling outside the U.S., you are covered for emergencies only. Check to see if a doctor is in our network using the Health Care Professionals Directory. In the event of an emergency, dial 911 or go to the nearest facility.

Do I have to go to a specific pharmacy?

No, you can go to any pharmacy. However, you will experience a better value if you visit a pharmacy that is in the Cigna network or use Cigna Home Delivery Pharmacy.

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

Yes, Cigna offers a variety of dental plans without health plans in many states.

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 state.

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.

Arizona Residents — FAQs for Individualized HMO Plans
I'm an Arizona resident interested in an individual HMO plan. What is the difference between the Cigna Medical Group and the Arizona Provider Network?

When you enroll with Cigna for your Arizona health insurance coverage, you can select which doctors and/or facilities you would like to use. By selecting the Cigna Medical Group, you’ll receive all of your primary and specialty care through the Cigna Medical Group (CMG), a network of full-service health care centers and other medical facilities located throughout the greater Phoenix area. The CMG provider network is available to customers in the Phoenix service area only.

The Arizona Provider Network includes a wide selection of private practice doctors in the Cigna of Arizona contracted network. The Arizona Provider Network is available in the Phoenix and Tucson/Southern Arizona service areas.

You can search Cigna's Provider Network on this website.

If I enroll in an individual HMO plan in Arizona, can I select a primary care physician (PCP) from the Cigna Medical Group for myself and a PCP from the Arizona Provider Network for my spouse?

Yes, the benefits and services provided are the same for both networks; however, the monthly premium amount differs. If you choose different networks for family members, two separate applications must be completed.

If I enroll in an individual HMO plan in Arizona, what should I do if I want to change my primary care physician?

Changing your PCP can be done by logging in to myCigna. Please note that your monthly premium rate will be adjusted if you change to a Primary Care Physician in a different network. For example, if you change your physician from one in the Arizona Provider network to one in the Cigna Medical Group network, your monthly premium rate will change. For more information, contact Customer Service at the number listed on the back of your ID card.