Skip to main navigation Skip to main content Skip to footer
  • For Medicare
  • For Providers
  • For Brokers
  • For Employers
  • Search
  • For Individuals & Families:
  • For Individuals & Families:
  • Shop for Plans

    Shop for Plans

    • Plans through your employer
    • Learn about the medical, dental, pharmacy, behavioral, and voluntary benefits your employer may offer.
    • Explore coverage through work
  • Log in to myCigna
  • Log in to myCigna
  • Shop for Plans

    Shop for Plans

  • Member Guide
  • Find a Doctor
  • Home Legal Legal and Privacy Information Health Care Fraud

    Health Care Fraud

    What is health care fraud?

    Health care fraud is a crime. It's committed when a dishonest provider or consumer intentionally submits, or causes someone else to submit, false or misleading information for use in determining the amount of health care benefits payable.

    Some examples of provider health care fraud are:

    • Billing for services not actually performed;
    • Falsifying a patient's diagnosis to justify tests, surgeries or other procedures that aren't medically necessary;
    • Misrepresenting procedures performed to obtain payment for non-covered services, such as cosmetic surgery;
    • Upcoding – billing for a more costly service than the one actually performed;
    • Unbundling – billing each stage of a procedure as if it were a separate procedure;
    • Accepting kickbacks for patient referrals;
    • Waiving patient co-pays or deductibles and over-billing the insurance carrier or benefit plan;
    • Billing a patient more than the co-pay amount for services that were prepaid or paid in full by the benefit plan under the terms of a managed care contract.

    Some examples of consumer health care fraud are:

    • Filing claims for services or medications not received;
    • Forging or altering bills or receipts;
    • Using someone else's coverage or insurance card.

    Help avoid and prevent health care fraud

    Here are some easy ways you can protect yourself from health care fraud, and keep health care costs down for everyone:

    • Ask questions about the services you receive, such as: Why are they needed? What do they cost?
    • Fill out, sign and date one claim form at a time.
    • Question advertisements or promotions that offer free tests, treatment or services – especially when the provider requests your insurance information or a copy of your ID card.
    • In general, be careful about disclosing your insurance information. Protect your ID card. It represents your benefits.
    • Compare your Cigna HealthcareSM Explanation of Benefits (EOB) and/or your medical bills with your records. Are the dates of service correct? Were the services actually performed?
    • For those with managed care coverage, question charges exceeding your copayment amount that you're asked to pay by a provider.
    • Let us know if a provider has a practice of waiving copayments or deductibles.
    • Report suspected fraud to Special Investigations.

    We are working to minimize health care fraud

    The Special Investigations (SI) team is responsible for minimizing our risk to health care fraud. The SI team partners with our Customer Service Claim Centers and others to help identify suspicious claims, stop payments to fraudulent providers, and punish wrongdoers.

    The SI team also works with state and federal law enforcement and regulatory agencies and other insurance companies to detect, prevent, and prosecute health care fraud. The SI team includes trained professionals with expertise in investigations, health care, nursing, law enforcement, and accounting.

    How to Report Health Care Fraud

    Call the Special Investigations hotline at 1 (800) 667-7145

    Email us:

    Write to us:
    Cigna Healthcare Special Investigations
    900 Cottage Grove Road W3SIU
    Hartford, CT 06152

    I want to...
  • Get an ID card
  • File a claim
  • View my claims and EOBs
  • Check coverage under my plan
  • See prescription drug list
  • Find an in-network doctor, dentist, or facility
  • Find a form
  • Find 1095-B tax form information
  • View the Cigna Healthcare Glossary
  • Contact Cigna Healthcare
  • Audiences
  • Individuals and Families
  • Medicare
  • Employers
  • Brokers
  • Providers
  • Third Party Administrators
  • International
  • Manage Your Account
  • myCigna Member Portal
  • Provider Portal
  • Cigna for Employers
  • Cigna for Brokers
  • Cigna Healthcare. All rights reserved.
  • Privacy
  • Terms of Use
  • Legal
  • State Policy Disclosures, Exclusions, and Limitations
  • Transparency in Coverage
  • Customer Rights
  • Accessibility
  • Non-Discrimination Notice
  • Language Assistance [PDF]
  • Report Fraud
  • Sitemap
  • Washington Consumer Health Data Privacy Notice
  • Cookie Settings
  • Disclaimer

    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