Frequently Asked Questions

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General Questions

Who should I call for questions or if I need help completing the Cigna HealthCare Individual Plan enrollment application?

Please call Cigna at 1.866.GET.Cigna (1.866.438.2446).

What should I consider when choosing a health plan?

When you choose a health plan, it helps to know:

• How often you expect to use health care services. Consider how often you see a doctor, if you receive on-going treatments, or if you are planning to have surgery.
• Your network of doctors. Keep in mind that some of Cigna’s plans let you visit any doctor, in- or out-of-network. It usually costs less to see in-network doctors. Check if your doctor is in-network using our online directory.
• Your health care budget. Consider monthly plan premiums, your annual deductible, copays, coinsurances, and other possible expenses.
• The health services and expenses different plans cover, such as surgeries or prescription drugs. Check the prescription drug list to see if your medications are covered. Check the plan's exclusions and limitations to see what isn't covered.

Do I need to select a primary care doctor before my coverage begins?

No. Choosing a primary care doctor is encouraged, although you are not required to choose one.

Do I need a referral to see a specialist?

Referrals are not required to visit a specialist.

Do I need to see a doctor within the Cigna Open Access Network for my expenses to be covered?

No. You are free to see doctors outside of Cigna's Open Access Network. However, you will pay less for services provided by a doctor within our network.

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.

Which hospitals can I use?

To find a doctor, dentist, pharmacy or hospital, search our directory.

Who should I call if I have questions regarding my eligibility for coverage?

For questions regarding eligibility to apply for coverage, please call Cigna at 1.866.GET.Cigna (1.866.438.2446).

Who do I call if I have a question about my monthly premium or if I want to change my plan?

If you’re already a Cigna Individual or Family Plan customer and you have a question about your monthly premium or wish to change coverage, simply call 1.877.484.5967.

Questions about Cigna Dental Insurance

If I already purchased medical insurance through another insurance company, can I purchase dental insurance only from Cigna?

At this time, Cigna Individual and Family Dental insurance is only available to Cigna Individual and Family Medical insurance customers.

Who do I call I want to add dental insurance to my Cigna medical plan?

If you already have Cigna Individual or Family medical insurance and you wish to add Dental to your plan, simply call 1.877.484.5967.

Can I select Cigna dental insurance for only some of the family members on my medical policy?

No. If you choose to add dental insurance to your policy, everyone covered by Cigna medical insurance will also be covered by Cigna dental insurance. There is no charge for dental insurance for children under the age of two.