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  • Home Individuals & Families Member Guide

    Have questions about enrollment and eligibility, or getting started with your Cigna Healthcare plan? We can help. Contact us

    Using Your Cigna Healthcare Plan

    A comprehensive member guide packed with information on how to use your plan to its fullest, now and throughout the year.

    Welcome to Cigna Healthcare

    It’s easy to get started using your plan.

    Alaska residents: If you are having difficulties with claims, reimbursement, coverage eligibility, or to access your ID card, please log in to myCigna for 24/7 access to your account or to contact us.

    Activate your myCigna® account

    Activate your account on myCigna.1 Even if your plan is not fully active yet, you can get started with some of myCigna’s features. It’s quick and easy and the best way to manage your plan.

    Learn more about myCigna

    With myCigna you can:

    • Find in-network doctors, care, and cost estimates
    • Get access to 7 million+ verified patient reviews from other Cigna HealthcareSM members
    • Connect with virtual care (telehealth) providers, 24/7
    • Print or view your ID card
    • Manage prescriptions or find a pharmacy

    Activate your account

    Get the myCigna® mobile app2 and stay connected anywhere

    Instant access to your health care data.

    The myCigna app uses one-touch access, making it easy for you to update your profile settings and personalize, organize, and access your health information on the go.

    Download the app today.

    Apple app store Google app store Amazon app store

    Learn more about the myCigna app

    Your digital ID cards go everywhere you do

    You may not automatically receive medical, vision, and pharmacy ID cards in the mail at the beginning of your plan year.

    You have immediate access to your digital ID cards and proof of coverage anytime you need them, right from or the mobile app. Apple users—go to your digital ID card on the app to add to your Apple Wallet®.

    How to use them

    Digital ID cards can be easily shared: Download the card image to save, share, print, or email to dependents or providers as needed.

    Providers will have different ways to process digital ID cards.

    You can:

    • Show your ID card on your phone screen at the provider's office
    • Save an image and email it to them from your secure myCigna inbox
    • Print an ID card to give to them

    Activate your account to access your digital ID cards

    Why digital ID cards?

    • Digital ID cards contain all the same information as a physical ID card.
    • They are never lost or stolen—they are only accessible through your secure myCigna account.

    Getting Care

    Get virtual, in-person, or immediate care

    Virtual care (telehealth)3

    Your plan provides access to medical, mental health, and wellness virtual care (telehealth) options so you have access to care 24/7.

    Activate your myCigna account to set up virtual care or learn more about our virtual care services.

    Schedule your preventive care—it’s no cost to you

    Preventive care is covered 100% by your plan when you go to in-network doctors and providers.4 This benefit, alone, can save you hundreds of dollars a year.

    Preventive care usually includes:

    Your annual check-up

    Flu shots

    Most routine screenings and vaccinations

    What about getting other kinds of medical care and services?

    For visits with doctors and providers for medical issues that are not preventive, here are some tips:

    • If required by your plan, get a referral from your Primary Care Provider (PCP)
    • Go to in-network doctors, specialists, hospitals, and facilities
    • Know how your plan covers you for non-preventive care and services
    • Track where you are with your deductible and coinsurance, if they apply

    Activate your myCigna account to view details of your coverage and covered services.

    Not sure what type of care you need?

    Talk to a nurse for free.

    Call .

    Need immediate care?

    If you need to see a doctor right away, you have options depending on the type of medical care needed.

    Convenience Care Clinics

    When you need face-to-face medical attention for minor illnesses (flu shots, vaccines, allergies, etc.) but can’t wait for an appointment, a Convenience Care Clinic (walk-in clinic) is your best bet for immediate, affordable care.

    Find a Convenience Care Clinic near you

    Urgent Care Centers

    If you need medical attention for a non-emergency medical condition (back pain, colds and flu, broken bones, etc.), an Urgent Care Center typically costs less than the ER with shorter wait times.

    Find an Urgent Care Clinic near you

    Emergency Room (ER)

    If you have a life-threatening medical condition, were in a serious accident, or suddenly become ill, go to the Emergency Room. This is typically the most expensive option and reserved for emergencies only.

    Find an Emergency Room near you

    Convenience Care Clinics
    Urgent Care Centers
    Emergency Room (ER)
    Virtual Care (Telehealth)
    Wait Times
    Symptoms Treated
    Vaccines (flu, shingles, COVID)
    Minor burns and skin conditions
    Sinus and ear infections
    Nausea and diarrhea
    Minor cuts and broken bones
    Back and joint pain
    Trouble breathing
    Heart attack and stroke
    Sudden illness and serious accidents
    Severe bleeding
    Fever, colds, and flu
    Skin conditions
    Most infections

    This information is for educational purposes only. It isn't medical advice and does not replace care from a physician. Cigna Healthcare isn't responsible for issues due to the use, misuse, interpretation or application of this information. Always ask your provider for appropriate examinations, treatment, testing, and care recommendations, including when you choose another provider for care.

    If you have a life-threatening medical problem, call 911 or visit the nearest emergency room.

    Employee Assistance Program (EAP) - Real support for real life

    If you purchase a plan through an employer*, you and anyone in your household has access to our Employee Assistance Program (EAP).5 Connect with licensed clinicians to help with emotional wellness, mental health, and other issues you may be experiencing such as help with finding elder care, caregiver support, pet care, and more.

    Learn more about EAP services that may be available to you.

    Find, compare, and choose a dentist

    If your plan includes dental coverage, you’ll have access to dentists and dental specialists in 309,000+6 convenient locations within the large nationwide network of Cigna Healthcare.

    Dentist Ratings

    The Brighter ScoreSM rates dentists based on affordability, professional history, verified patient reviews7, and estimated out-of-pocket costs for common dental procedures.

    $0 Preventive Care

    Pay $0 for a dental exam every six months including cleanings, oral exams, and routine x-rays with no deductible or copays.8

    Verified Patient Reviews

    Read verified patient reviews from other Cigna Healthcare customers based on their experience with network dentists, specialists, and dental offices.

    Get paid for dental services that treat gum disease

    Our Dental Oral Health Integration Program® is a no additional cost program that pays back your out-of-pocket costs (up to your plan’s maximum) for specific dental services that treat gum disease and tooth decay.9 Simply register for the program first before getting care from your dentist.

    You qualify for the program if you're currently being treated for:

    • Chronic Kidney Disease
    • Diabetes
    • Head and Neck Cancer Radiation
    • Heart Disease
    • Maternity
    • Organ Transplant
    • Stroke
    • Rheumatoid Arthritis
    • Sjogren's Syndrome
    • Lupus
    • Parkinson's Disease
    • Amyotrophic Lateral Sclerosis (ALS)
    • Huntington's Disease
    • Opioid Misuse and Addiction

    Activate your myCigna account to view covered dental services and see if you're eligible for this program.

    Continuity of Care

    Is your doctor leaving your plan's network?

    If so, and you're actively receiving treatment, you can apply for Continuity of Care. If approved, this may allow you to continue with your treatment or procedure with your health care provider at an in-network coverage level.

    Starting a new plan? Avoid gaps in care.

    You may be able to continue to receive services for certain medical and behavioral conditions at an in-network coverage level, even if your current health care provider isn’t in your new plan’s network. Apply for Transition of Care to determine if you are eligible.

    To apply for either Continuity of Care or Transition of Care, go to Customer Forms. These forms are under the Medical section.

    Manage Prescriptions

    Your plan may offer convenient, cost-saving programs and services including home delivery pharmacy, specialty medications through Accredo®, a Cigna Healthcare specialty pharmacy, access to thousands of in-network retail pharmacies, and more.


    Make the Most of Your Cigna Healthcare Pharmacy Benefits

    Watch this short video to learn how you can get easy access to affordable medications when you need them. (Length: 00:03:15)
    Watch Video

    Make the Most of Your Cigna Healthcare Pharmacy Benefits

    Home Delivery with Express Scripts Pharmacy

    Your Cigna Healthcare plan could include access to home delivery with Express Scripts® Pharmacy. It’s convenient, secure, and free for medications you’re taking on a regular basis.10

    Features of this service, include:

    90-day supply

    Fill up to a 90-day supply delivered with standard shipping at no extra cost11

    24/7 access

    Get 24/7 access to pharmacists to answer your questions

    Auto refills

    Sign up for automatic refills or refill reminders

    Activate your myCigna account to manage your prescriptions (if applicable) or learn more about home delivery.

    Take any specialty medications?

    As part of your Cigna Healthcare-administered pharmacy benefits, you may have access to Accredo®, a Cigna Healthcare specialty pharmacy.12

    If you have a complex medical condition such as multiple sclerosis, hepatitis C, or rheumatoid arthritis, Accredo can fill and deliver your specialty medication to your home (or location of your choice).13

    Learn more about specialty medications

    Prescription cost and coverage tools

    Price your medications

    Use the Price a Medication tool on myCigna to look up medications covered by your plan, find low cost alternatives, network pharmacies, and more.

    Activate your myCigna account to look up drugs and costs.

    Prescription drug lists

    See which drugs are covered by your plan.
    View Drug List

    Claims and Accounts

    Manage your claims

    You just got back from a doctor’s visit, now what? In most cases, your in-network doctor will submit a claim for you. Once Cigna Healthcare reviews your claim, you’ll receive an explanation of benefits (EOB) document that shows you the cost for each service, what your plan covered, and any other costs that you may have to pay. Manage your claims with the following:

    View Claims and EOBs

    View and manage your claims and Explanation of Benefits (EOBs) all in one place.

    Submit a Claim Online

    View, manage, or submit a claim for a recent visit.

    Pay Claims

    Make secure online payments with our partner, InstaMed, or mark claims as paid to help you better track payments.
    Have a supplemental insurance plan?(Hospital Indemnity, Cancer Treatment, Lump Sum Heart Attack and Stroke, or Whole Life Insurance) Submit an online claim

    Pay medical expenses with a spending account

    If your plan includes a health care spending account, you can use it to help pay eligible health care expenses.

    A Health Savings Account (HSA) is a savings account (compatible with a high deductible health plan) used to help pay for eligible health care expenses.

    A Health Reimbursement Account (HRA) is only available through your employer. They contribute to it throughout the year to help pay for eligible health care expenses.

    A Flexible Spending Account (FSA) is an account used to pay for eligible health care expenses for you, a spouse, or dependents on the plan.

    Health and Wellness Programs and Services

    If you’re being offered a Cigna Healthcare plan through your employer, you may have access to additional programs and services to help make your life easier and healthier. Activate your myCigna account today and get started with these programs and get started with these programs:

    Incentive Awards Program14

    Get rewarded for taking actions to improve your health. Earn awards, including cash, when you take your health assessment, get an annual check-up, talk to a health coach, start an exercise program, and more.

    Healthy Pregnancies, Healthy Babies® Program

    For eligible customers, this program provides support during and after pregnancy. This includes access to a Cigna Healthcare Maternity Coach, as well as useful tools and tips to help make it a healthier nine months and a healthier baby.

    Lifestyle Management Programs

    Connect with a health coach, online or by phone, to get personalized support if weight, tobacco use, or stress is affecting your health or your ability to live an active life.

    Plan Documents and Forms

  • View Plan Documents for Medical and Dental plans, past and present.
  • View Customers Forms for important claims, privacy, or authorization forms.
  • *Not available if you have purchased your own insurance.

    1 Customers under age 13 (and/or their parent/guardian) will not be able to register at

    2 App/online store terms and mobile phone carrier/data charges apply.

    3 Cigna Healthcare provides access to virtual care through participating in-network providers. Not all providers have virtual capabilities. Cigna Healthcare also provides access to virtual care through national telehealth providers as part of your plan. This service is separate from your health plan’s network and may not be available in all areas or under all plans. Referrals are not required. Video may not be available in all areas or with all providers. All health care providers are solely responsible for the treatment provided to their patients; providers are not agents of Cigna Healthcare. Refer to plan documents for complete description of virtual care services and costs.

    4 Includes eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Reference plan documents for a list of covered and non-covered preventive care service.

    5 Employee assistance program services are in addition to, not instead of, your health plan benefits. These services are separate from your health plan benefits and do not provide reimbursement for financial losses. Program availability may vary by plan type and location, and are not available where prohibited by law.

    6 Cigna Healthcare internal data March 2020. Subject to change.

    7 Brighter features may vary by dentist. These and other dentist directory features are for educational purposes only and should not be the sole basis for decision-making. They are not a guarantee of the quality of care that will be provided to individual patients and you should consider all relevant factors when selecting a dentist.

    8 Not all preventive services are covered, including athletic mouth guards. Refer to the policy for a complete list of covered and non-covered preventive services. Frequency limitations apply. Cigna Healthcare Dental plans in MD cover one dental cleaning per calendar year.

    9 This program provides reimbursement for certain eligible dental procedures for customers with qualifying medical conditions. Customers must enroll in the program prior to receiving dental services to be eligible for reimbursement. Reimbursement is applied to and subject to any applicable annual benefits maximum. See your plan documents or contact Cigna Healthcare for complete program details.

    10 Not all plans offer home delivery as a covered pharmacy option. Please log in to the myCigna® App or website, or check your plan materials, to learn more about the pharmacies in your plan’s network.

    11 Standard shipping costs are included as part of your prescription plan.

    12 Not all plans offer Accredo as a covered pharmacy option. Please log in to the myCigna® app or website, or check your plan materials, to learn more about the pharmacies in your plan's network.

    13 As allowable by law.

    14 Healthy Rewards programs are NOT insurance. Rather, these programs give a discount on the cost of certain goods and services. The customer must pay the entire discounted cost. Some Healthy Rewards programs are not available in all states and programs may be discontinued at any time. Participating providers are solely responsible for their goods and services.

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    Product availability may vary by location and plan type and is subject to change. All health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna Healthcare representative.

    All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group Corporation, including Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North Carolina, Inc. and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by Cigna Intellectual Property, Inc. This website is not intended for residents of Arizona and New Mexico.

    Selecting these links will take you away from to another website, which may be a non-Cigna Healthcare website. Cigna Healthcare may not control the content or links of non-Cigna Healthcare websites. Details