Coronavirus (COVID-19) Information for Individuals and Families

Last Updated February 25, 2021

Coronavirus (COVID-19) Information for Individuals and Families

Check Your Symptoms and Risk for COVID-19

If you’re experiencing symptoms, answer a few simple questions about your health care coverage so we can help guide you to the care you may need.

Vaccines, Care, and Coverage

Yes, Cigna covers the cost of approved vaccines without any cost share. The vaccine is currently purchased by the federal government and provided free of cost to individuals. Cigna covers the cost of administering the vaccine at 100% without any out-of-pocket costs when done by any in-network or out-of-network provider.

Cigna looks to the U.S. Food and Drug Administration (FDA), Center for Disease Control and Prevention (CDC), and input from the Advisory Committee on Immunization Practices (ACIP) to determine these factors.

The CDC is making COVID-19 vaccination recommendations for the United States based on input from the ACIP. ACIP is considering four groups to possibly recommend for early COVID-19 vaccination if supply is limited:

  • Health care personnel
  • Workers in essential and critical industries
  • People at high risk for severe COVID-19 illness due to underlying medical conditions
  • People 65 years and older

Vaccine guidelines and requirements can vary by state and county. Find vaccine information and resources in your state. Cigna will cover the administration cost of the vaccine for both in-and out-of-network providers without any cost share.

Yes. Your plan will cover diagnosis, testing, and treatment associated with COVID-19, including:

  • COVID-19 diagnostic visits: Cigna is waiving out-of-pocket costs for COVID-19 visits with in-network providers, whether at a provider’s office, urgent care center, emergency room, or via virtual care, through the Public Health Emergency (PHE) period, currently scheduled to end on April 20, 2021.*
  • COVID-19 testing: Cigna is waiving out-of-pocket costs for COVID-19 FDA-approved testing through the Public Health Emergency (PHE) period, currently scheduled to end on April 20, 2021. Get more information on how to get tested at a center or at home.
  • COVID-19 treatment: Cigna covers medical care for COVID-19 treatment subject to standard cost share, copay, and deductibles.

*Diagnostic tests are covered for individuals with symptoms of a COVID-19 infection or who had exposure to someone with a suspected or confirmed COVID-19 infection, as well as for individuals before an elective hospital admission or procedure. Non-diagnostic and antibody tests are not covered by Cigna's standard coverage, but may be covered as required by state law. For more on testing, please download the Cigna testing brochure on the Returning to the Worksite web page.

Yes. If your visit is related to screening, diagnosis, or testing for COVID-19, your out-of-pocket costs will be waived.

Check with your doctor to see if they are offering virtual care visits. If not, you can schedule a virtual care appointment by logging in to myCigna.com® or the myCigna mobile app.

Virtual care is a good way to get the medical attention you may need without leaving home. While a diagnosis of COVID-19 cannot be confirmed through virtual medical care, you may be directed to self-care or to follow-up with your PCP or a local hospital for additional evaluation and care.

Check with your doctor to see if they are offering virtual care visits. There are some restrictions to what a virtual care provider from MDLIVE® can and cannot do relative to COVID-19. Find out more.

Dr. Steve Miller, a physician and Cigna's Chief Clinical Officer, provides an update on the latest developments with the COVID-19 vaccines.

Take Action

Check with your doctor to see if they are offering virtual care visits. If not, you can schedule a virtual care appointment by logging in to myCigna.com® or the myCigna mobile app.

COVID-19 Customer Protection Program

Cigna covers out-of-pocket expenses for a covered COVID-19 diagnostic visit and testing with no customer cost share through the Public Health Emergency (PHE) period, currently scheduled to end on April 20, 2021. Cigna covers medical care for COVID-19 treatment subject to standard cost share, copay, and deductibles.

If you have gone out-of-network and received an unexpected bill for a COVID-19 diagnostic visit or test, Cigna's COVID-19 Customer Protection Program (CPP) can help. This program is provided at no additional cost for eligible customers.2 Call the phone number on your ID card and an advocate will help resolve your billing issue.

For immediate support and guidance, simply call the phone number on your ID card and an advocate will help resolve your billing issue. We will work with you every step of the way.

If you are in a position where you can choose your healthcare provider (e.g. non-emergency), we recommend using the provider directory available on myCigna.com® or the myCigna mobile app to find an in-network provider. You can also call the phone number on your ID card to find in-network health care providers to eliminate any risk your provider may choose to bill above these rates.

We have put together a COVID-19 resource guide to help you find in-network providers so you can get the care you need.

What to Do If You’re Feeling Sick

Contact a PCP: If you’re experiencing mild to moderate symptoms of COVID-19, such as fever, dry cough, shortness of breath, call your doctor or local health department. Ask if they are offering virtual care visits over the phone or through video. They will advise you on how best to get care, if necessary.

This is especially important for older adults and people who have severe underlying chronic medical conditions like heart or lung disease, or diabetes.

If you think you've been exposed to COVID-19, find out how to get tested at a center or at home.

A virtual care visit with your PCP may be a good place to start. They can help you understand whether you need testing and the best options for you.

Where you can get tested depends on where you live. Your doctor is the best source because they can work with the local health department and health systems. You can also search online for a COVID-19 testing site near you.

Cigna is also waiving out-of-pocket costs for COVID-19 FDA-authorized at-home specimen collection kits and other diagnostic tests. Order a COVID-19 at-home specimen collection kit

You can also visit the CDC to find out what to do if you’re feeling sick.

Take Action

If you are a Cigna customer, you can self-assess your risk for COVID-19, check any symptoms you may have, and get directed to care if necessary. Log in to myCigna to get started

Getting Your Medications

It’s not necessary to order refills ahead of time or to stock up. We will ensure safe delivery of your medications to your home when you need them.

Switch to home delivery and you can get your medications without leaving your home. No need to go to your local pharmacy. You can order your prescription medication(s) online or over the phone and get your medication delivered to your home at no extra cost.

If you have Cigna Pharmacy benefits, here are some options:

  • Call your doctor's office and ask them for a 90-day (or 3-month) prescription with refills.3 Ask them to send it electronically to our home delivery pharmacy.
  • Or call us at 1 (800) 835-3784 and we will contact your doctor’s office to get your prescriptions switched to home delivery.

Use the following contact information to reach the home delivery pharmacy you are currently using, as part of your pharmacy benefits:

Pharmacists are available 24/7 to answer questions about the safety of your medications, offer counseling and support, and assist with prescription orders.

Take Action

Switch to home delivery – Get a 90-day supply delivered to your home at no additional cost. If you have Cigna pharmacy benefits, log in to myCigna.com or the myCigna® mobile app to order a 90-day supply of your prescription maintenance medications.

Dental and Vision Coverage and Care

If you have a dental emergency such as severe pain, acute infection, swelling, and/or persistent bleeding, you can get virtual dental care. Cigna Dental Virtual Care is available to customers on an employer-sponsored group plan.

Call your dentist and ask if they offer dental virtual care to assess your situation. If not, visit myCigna to access The Teledentists®4 or call 1 (800) 244-6224.

If you have a dental emergency such as severe pain, acute infection, swelling, and/or persistent bleeding, you have 2 options to get care.

  • Call 1 (800) 244-6224 and we can help you find an in-person location or we can approve care at a non-network dentist for immediate treatment to relieve acute symptoms.

  • Use the Cigna Dental Virtual Care service available through your myCigna account.

    Eligible DHMO customers5 can receive virtual care with a licensed dentist through a video chat, 24 hours a day, 7 days a week at no-cost. The dentist can provide guidance for urgent and emergency dental situations and prescribe antibiotics and non-narcotic pain relievers as appropriate.6

Here are the likely measures that will be taken:

  • The office will call before your appointment to ask questions about you or your child’s current health, and ask you again when you arrive
  • Your temperature may be taken before you enter the office
  • They may ask you to limit the number of people you bring to the appointment
  • If your city or state is requiring wearing masks in public, you’ll need to wear one into the office

If you haven’t heard from your dental office, call to find out the safety precautions they are requiring. You can also watch Cigna's national dental director Dr. Deborah Fuller talk about new potential dental office policies and procedures.

Due to COVID-19, many of our network vision providers have limited appointments for urgent needs.

Urgent vision care situations may include having a contact lens lost or torn and still in the eye, a sudden onset of vision changes (double vision, blurry vision, wavy vision), or black spots/flashing lights in your vision.

If you’re unsure whether your situation is urgent or an emergency, we recommend calling your PCP for guidance.

Cigna vision customers can find care by calling 1 (800) 997-1654 or by visiting myCigna.com.

If your vision provider is unavailable and you need to order contacts or repair/replace eyeglasses, visit one of the following online in-network retailers: www.eyeconic.com or www.targetoptical.com

HRA, HSA, and FSA Information

You may make contributions to your 2019 HSA up until July 15, 2020.

If you would like to change the amount of your HSA contributions, please contact your HSA bank for their specific deadlines and details.

Yes. As part of the Coronavirus Aid, Relief, & Economic Security Act (CARES), HSA and FSA funds can be used to purchase any OTC medicines that had previously required a prescription from a physician. Funds can also be used to purchase feminine hygiene products.

This change includes eligible OTC expenses that were purchased beginning January 1, 2020 with no expiration date at the current time. A list of eligible expenses is available at www.cigna.com/expenses.

No. The CARES Act did not change HRA plan reimbursement for OTC medicines.

1For customers in the United States who are covered under Cigna's employer/union sponsored insured group health plans, insured plans for US based globally mobile individuals, Medicare Advantage and Individual and Family Plans (IFP). Cigna will also administer this policy for self-insured employer-sponsored or group health plans, unless your employer or plan sponsor has elected to opt out of this policy. Out-of-pocket costs include any applicable copayments, coinsurance, and deductible payments due under the terms of your plan. The treatments that Cigna will cover for COVID-19 are those covered under Medicare or other applicable state regulations.

2The COVID-19 Customer Protection Program applies to customers in the United States who are covered under Cigna’s employer/union sponsored insured group health plans, insured plans for US based globally mobile individuals, Medicare Advantage and Individual and Family Plans (IFP). Cigna will also administer the waiver to self-insured group health plans and the company encourages widespread participation, although these plans will have an opportunity to opt-out of the waiver option. If your employer has opted out of the waiver option you may still receive a bill. However, Cigna will work with you to ensure the bill is fair.

3You may be taking a medication that isn't actually available in a 90-day supply. Certain medications may only be packaged in lesser amounts. For example, three packages of oral contraceptives equal an 84-day supply. Even though it's not a "90-day supply," it's still considered a 90-day prescription.

4The Teledentists® is not available in Texas.

5Eligible customers include those enrolled in an employer-sponsored group dental plan, and their enrolled dependents.

6Cigna Dental plans do not cover prescription medication. Out-of-pocket costs may apply depending on your medical or pharmacy plan.

This content is offered for informational purposes only. It does not constitute medical advice. Always consult your doctor for appropriate medical advice and care recommendations tailored to your specific medical condition.