Choosing a health plan is one of the most important decisions you'll make. Whether you're getting ready to enroll in your benefits or just doing some research, these four tips can help the enrollment process go smoothly.
1. Gather important information
Have the following information on hand for every person you're covering:
- Names, addresses and phone numbers of current health care providers
- Names of current prescriptions and dosage
- Social Security numbers
- Birth dates
- Addresses (home or school for example)
- Information about other health care coverage you may already have, such as policy numbers
2. Know your plan options
- Check out the plans offered by your employer each year, even if not much has changed.
- Read the enrollment materials provided by your employer. If your employer is holding an enrollment fair, try to attend.
- We can help you understand the different types of plans that your employer may offer. Remember dental plans, vision plans, disability insurance, life insurance, and other insurance benefits. These benefits usually cost less if you buy them from your employer.
3. Consider costs
Have a list of these items for every person you're covering:
- Health history
- Current health care costs, including doctor visits and prescriptions
- Upcoming medical and dental expenses, such as having a baby or a scheduled procedure
- Any out-of-pocket costs, such as copays for doctor visits and prescriptions or daycare for dependents. Account-based plans can help you plan and pay for eligible health expenses.
Your plans might also offer money-saving discounts and programs. Look for discounts on gym memberships, weight loss programs, and exercise equipment. Health and wellness programs may also be available.
4. Use your tools
Search our Health Care Provider Directory to see if your current health care providers, including specialists, hospitals and facilities, are included in your plan’s network. You can also view our Prescription Drug List to see if any medications you're taking are covered by your plan.
- Review coverage and claims
- Manage spending accounts and track balances
- Access and print temporary ID cards
- Find an in-network doctor, dentist or facility
- Estimate medical and dental health care costs for specific treatments and procedures
- Get cost estimates for covered drugs from multiple pharmacies in our network
We're here to help.
Have open enrollment questions? Call the pre-enrollment number provided by your employer.
1Actual myCigna features may vary depending on your plan design and individual security profile.
This article is for informational purposes only. Please review your plan carefully and make sure you understand what is and is not covered.