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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.

Manage Your Plan Manage Your Plan Get Care Get Care Continuity of Care Continuity of Care Prescriptions Prescriptions Claims & Accounts Claims & Accounts Wellness Programs Wellness Programs Customer Forms Customer Forms




Getting Care

Get virtual, in-person, or immediate care


Preventive care usually includes:

Your annual check-up

Flu shots

Most routine
screenings and
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.

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.


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


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


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.



Plan Documents and Forms

View Plan Documents for Medical and Dental plans, past and present.

View Customer Forms for important claims, privacy, or authorization forms.

Additional Resources

Cigna Healthcare Glossary Knowledge Center Quality Resources [PDF] Commitment to Quality [PDF] Language Assistance Coverage Policies

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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 representative.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna 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 Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna.

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