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Cigna Insurance (How to locate Doctors, Hospitals, ER, Urgent Care & what is PPO network)

How to find Cigna doctors? What is In-Network, Out of Network – Hospital, and clinic? How to locate Emergency Care with Cigna Insurance & …

This is a complete guide with highlights that we send out to our client who has bought the Cigna insurance from us. 

Cigna is an American worldwide health services organization based in suburban Bloomfield, Connecticut and Philadelphia, Pennsylvania. … Cigna offers Medicare and Medicaid products and health, life and accident insurance coverage primarily to individuals in the U.S. and selected international markets.

It ranked #4 in the USA

But perhaps the Oldest Health Insurance Company in the USA
1792 Insurance Company of North America (INA) is established in Philadelphia. It is the first Marine insurer in the United States.


History. Founded in 1853, Aetna was organized as a life insurance company that later expanded into other lines of insurance coverage. Aetna listed its stock on the New York Stock Exchange in 1968. In 1975, the company created an HMO (health maintenance organization) subsidiary and entered the managed healthcare space.


Company Background. Blue Cross Blue Shield’s history dates back to 1929 when Justin Ford Kimball first started a health insurance company for teachers. It was called Blue Cross. The Blue Shield was originally an insurance plan for employers of mining camps in the Pacific Northwest.


In 1977, the United HealthCare Corporation was created to reorganize the company and become the parent company of Charter Med. United HealthCare’s charter was to manage the newly created Physicians Health Plan of Minnesota, an early health management organization.

We are a broker company like  (so we could have sold to you many carries i.e. 

(IMG : review)

(Seven Corners: review)

(Tokio Marine HCC : review)

We sold them before, don’t want to comments on why we stop. 

Now we only endorse Cigna Insurance for our individual plan clients. If your company has employees, consider group insurance, there cover all pre-existing condition, cancer & all.  

With the Cigna insurance, you can buy it to see doctors right away (you must call us if there is any pre-existing medical condition) or even use it to deliver babies. 

About Cigna

Cigna is an American worldwide health services organization based in suburban Bloomfield, Connecticut and Philadelphia, Pennsylvania.  Its insurance subsidiaries are major providers of medical, dental, disability, life and accident insurance and related products and services, the majority of which are offered through employers and other groups (e.g. governmental and non-governmental organizations, unions and associations).

Cigna offers Medicare and Medicaid products and health, life and accident insurance coverages primarily to individuals in the U.S. and selected international markets. In addition to its ongoing operations described above, Cigna also has certain run-off operations, including a Run-off Reinsurance segment. In the Phoenix metropolitan area, Cigna runs a full-service staff-model HMO (health maintenance organization) with satellite clinics throughout the region, known as the Cigna Medical Group.

Cigna Global Health Benefits also operates under the Cigna Corporation. Cigna’s motto is ‘Together, all the way. The company ranked No. 73 in the 2018 Fortune 500 list of the largest United States corporations by total revenue. On March 7, 2018, it was announced that Cigna would buy Express Scripts in a $67 billion deal and on August 24, 2018, the shareholders of Cigna and Express Scripts approved the deal.

*Express Scripts Holding Company is an American Fortune 100 company. As of 2018, the company is the 25th-largest in the United States by total revenue as well as the largest pharmacy benefit management (PBM) organization in the United States. Express Scripts had 2016 revenues of $100.752 billion. Since December 20, 2018, the company has been a subsidiary of Cigna.

The term “scripts” refers to the widely used clipped version of prescription.

Headquartered in Greater St. Louis within unincorporated North St. Louis County, Missouri, Express Scripts provides integrated pharmacy benefit management services including network-pharmacy claims processing; home delivery pharmacy services; specialty pharmacy benefit management, through its subsidiary Accredo; benefit-design consultation; drug-utilization review; formulary management; and medical and drug data analysis services to manage drug plans for health plans, self-insured employers and government agencies (both as administrator of employee benefits and public assistance programs). One of its largest clients is the United States Department of Defense’s Tricare program.

Express Scripts also offers pharmacy benefit management services for workers’ compensation insurance programs. The program is accredited by URAC, the nation’s largest accrediting body for pharmacy benefit management companies.

The company processes pharmaceutical claims for members through a network of retail pharmacies. Its own automated pharmacies dispense medications for chronic long-term diseases, such as diabetes or heart disease, directly to members by home delivery.

On March 7, 2018, it was announced that Cigna would buy Express Scripts in a $67 billion deal.

On August 24, 2018, the shareholders of Cigna and Express Scripts approved the $67 billion deal.The deal closed on December 20, 2018 at $54 billion, allowing Cigna to start offering new Express Scripts products to its corporate health insurance customers in 2019.

Cigna-Express Scripts Merger’s A Done Deal

Cigna Rate

Cigna will be expensive for age over 50 years old, so if you cannot afford for this, you can try to get a quote by clicking the link below:

Cigna Online Quote

How to finish the payment after you receiving the quotation email of Cigna

Please check the video below to learn more about how to make payment.


Below are the featured NY’s Cigna hospitals network & their associated providers

Hospital List
















Find Doctors and Hospitals

To search USA doctor & hospital, click here

To search China, Korea, HK, Taiwan, Singapore & other countries, click here

Cigna Direct China Provider Directory

To learn about what is in-network vs out of network, HMO, EPO & PPO, click here

Cigna Global Claim

Click Here to Know More About How to Claim

Getting treatment
When you need treatment, call our Customer Care Team on +44 (0) 1475 788182 or from the US on 800 835 7677.

We will help you to find the most appropriate hospital, clinic or doctor near you, and arrange, wherever possible, to pay them directly (less any deductibles you may have chosen) – saving you the time and hassle of paying for it yourself and claiming back from us later.

Your hospital, clinic or doctor will usually send their invoice straight to us. However, sometimes they’ll invoice you after treatment. On these occasions, simply send your invoice and claim form to us and we’ll pay them directly, less any deductibles.

In an emergency
If for any reason it’s not possible to call us before treatment, such as an emergency, you may need to pay for your treatment upfront, and claim your covered costs back from us, less any deductibles you may have chosen. Please advise us of any emergency treatment within 48 hours.

Cigna Claim Forms

If you’ve paid for your treatment yourself, you’ll need to claim back your covered costs, less any deductibles you may have chosen, from us. You’ll find claim forms in your welcome pack, or you can download them below.

Fill Up this Form, include your invoice, so there will deposit money directly to your bank account.

Medical and vision claim form
Dental claim form

You can send your invoice and claim form to us by any of the following means:

Email them to: /

Fax them to: +44 (0) 1475 492113

Post them to:

Customer Care Team,
Cigna Global Health Options,
Customer service
1 Knowe Road
PA15 4RJ

Help us to reimburse you quickly

Normally, we’ll reimburse you within five days of receiving your claim. To help us achieve this, please follow these simple tips:

If you provide confirmation of your diagnosis or explanation of treatment you don’t need to send a claim form.
Tell us how and where you want your refund issued.
Send us your invoice and claim by fax or email scanned copies instead of posting them.

Paying your deductibles

If you chose to apply deductibles to your plan, you’ll need to pay this amount towards the treatment yourself. So, for example, if you choose a deductible of £100, you’ll need to pay the first £100 of a covered claim or covered claims in any period of cover at the time of treatment. We’ll pay the remainder of the covered costs of your claim directly to your hospital, clinic or doctor. If a deductible is chosen, you would only have to pay this once during any period of cover irrespective of the number of claims.

Claims diagram

This simple diagram illustrates how our claims and treatment process works. If you have any questions regarding any aspect of the process, call our Customer Care Team on +44 (0) 1475 788182 or from the US on 800 835 7677.

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Cigna’s Customer Care

Please contact our Customer Care Team prior to treatment. We can help you arrange your treatment plan, and point you in the right direction, saving you the time and hassle of looking for a hospital, clinic or medical practitioner yourself. What’s more, in most cases we can arrange direct payment with your treatment provider, cutting down the hassle and letting you focus on your health.

Call 1 800 835 7677 to make an appointment before you go to see a doctor, just for the first time you need to do this


You DO NOT need to call the doctor every time, just the first time. After that, every other time will be all set.

If prior approval is obtained, but the beneficiary decides to receive treatment at a hospital, medical practitioner or clinic which is not part of the Cigna network, we will reduce any amount which we will pay by 20%. A list of Cigna network hospitals, clinics, and medical practitioners is available in your secure online Customer Area or you can contact our Customer Care Team for more information.

Customer Service Email:

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Cigna Overall Limit

Our plans comprise of 3 distinct levels of cover: Silver, Gold and Platinum.
Your chosen level of cover is detailed in the table below. All amounts apply per beneficiary and per period of cover (except where otherwise noted).
International Medical Insurance is your essential cover for inpatient, day patient and accommodation costs, as well as cover for cancer, mental health care and much more. Our Gold and Platinum plans also give you cover for inpatient and day-patient maternity care.

Cigna Annual Coverage Limit is 1million for silver plan, 2 million for gold plan & unlimited amount for platinum plan.

The 1 or 2 million limits are per member, if a mother buys the plan for herself and 2 children, each member will have 1 million coverage under the silver plan.

Cigna Doctors and Specialist Visits

We usually recommend the adult patient to just get the core coverage and save some money by seeing the doctor and pay cash for your occasional flu and allergy visits.

However, for the family with children, it is best to include the doctor visits portion to your insurance plan. Children, especially those that go to daycare, are sick all the time.

Cigna Hospital

Hospital charges are paid in full

Cigna Prescription-Drugs

This is the coverage limit (for prescription drugs) per doctor visits.

Cigna Local Ambulance and Air Ambulance Reimbursement

Cigna Transplant

Transplant charges are paid in full

Cigna MRI, CT and PET Scans

› We will pay for the following scans if they are recommended by a specialist as a part of a beneficiary’s inpatient, day patient or outpatient treatment:
• magnetic resonance imaging (MRI);
• computed tomography (CT); and / or
• positron emission tomography (PET);
› We may require a medical report in advance of a magnetic resonance imaging (MRI) scan.

Seeking Treatment

Cigna Cancer Care

› Following a diagnosis of cancer, we will pay for costs for the treatment of cancer if the treatment is considered by us to be active treatment and evidence-based treatment. This includes chemotherapy, radiotherapy, oncology, diagnostic tests, and drugs, whether the beneficiary is staying in a hospital overnight or receiving treatment as a day patient or outpatient.
› We do not pay for genetic cancer screening.


Routine maternity benefit care (Gold and Platinum plans only)

I personally have a close relative that has gone thru IVF, got pregnant with twins & had 2 twin boys prematurely at 7 months. Despite this relative very well off background, I doubt there will be happy with the 250K dollars bill for NICU. I don’t really know what it stands for, however, I have heard the phrase NIC-U so many times, I just know it is very expensive.

So after my relative insurance paid out 250K to some hospital, I realized that when a couple is having twins, (via IVF or natural), the chances of premature birth is high. (add research later)

With premature babies that don’t have Medicaid, it is very important to have health insurance.

We just had a prospect who is delivering with twins next week that just call us up. In the past, no matter how high the medical bill is, you can still resort to have Medicaid to help you pay for this bill. However, President Trump has taken measure to close that loophole. We have heard that many foreigners that abuse the Medicaid system knowingly or unknowingly, has been banned from entering the USA for life, that might defeat the purpose of having a US citizen child to begin with

Maternity and childcare coverage is covered, but if you are not NY City, I advise you not to use this plan. There is another much better option for coverage.

Complications from maternity (Gold and Platinum plans only)

Homebirths (Gold and Platinum plans only)


Cigna New Born Care

Up to the maximum amount shown for treatment within the first 90 days following birth. Available once at least one parent has been covered by the policy for 12 months or more.


Cigna Well-child tests

› Payable for children at appropriate age intervals up to the age of 6.
› We will pay for well-child routine tests at any of the appropriate age intervals (birth, 2 months, 4 months, 6 months, 9 months, 12 months, 15 months, 18 months, 2 years, 3 years, 4 years, 5 years and 6 years) and for a medical practitioner to provide preventative care consisting of:
• evaluating medical history;
• physical examinations;
• development assessment;
• anticipatory guidance; and
• appropriate immunizations and laboratory tests; for children aged 6 or younger.


Cigna Child immunizations

We will pay for the following immunizations for children aged 17 or younger:

• DPT (Diphtheria, Pertussis, and Tetanus);
• MMR (Measles, Mumps, and Rubella);
• Hib (Haemophilus influenza type b);
• Polio;
• Influenza;
• Hepatitis B;
• Meningitis; and Human Papilloma Virus (HPV).

Cigna Health and Wellbeing

International Health and Wellbeing covers the beneficiary for screenings, tests, examinations and counseling support for a range of life crises and tailored advice and support through our online health education and health risk assessment, helping the beneficiary to take control and manage their health the way they want.
During each period of cover, we will pay for the following tests to be carried out by a medical practitioner.

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Cigna Q&A

Cigna – No Referral Needed

Cigna Case Sharing

Rarely, we cannot get health insurance for the client, but when that does happen, it places a heavy burden on me.

I had just declined to help a nice young lady, (she is nice, as she hasn’t cursed me out for not helping to get insurance for her.)

She is a noble person. She (with a possible last name of either Zhu or Zhou) openly declared that she is coming to the USA to give birth. SHowed the US custom her assets in the USA and come in to give birth to her firstborn.

Unfortunately, when she has found her, it is too late for us to do anything.

Her OBGYN found out very recently, her child has a heart problem. In fact, a lot of people, even the doctor, didn’t know that foreign nationals can buy health insurance while there are in China or anywhere else in the world, and come to the USA for medical treatment.

If I had known this fine lady earlier…

I had always wanted to share this information for the benefits of other people, and also, obviously for my own financial gain as well, but seriously, the best insurance is to take good care of your body

Lastly, allowed me to add a few paragraphs of shameless plug.

A few months ago, a very long-time client brought his friend (His last name is either Zhu or Zhou) to meet with me.

This young man, only 27, who graduated in New York, already have a 2 years old daughter. Her daughter is with the grandparent in Tianjin.

He was a bit hesitant to pay for the monthly premium of $398.87/month.

However, after seeing that one of the so-called “direct bill settlement” hospitals the same one he is using now, very close to his house. So, he finally decided to bite the bullet and bought the insurance.

Less than a month with the insurance policy inforced, I got either an urgent communication from him on WeChat. He said the daughter has mistakenly swallowed something and has been rushed to the hospital. He is asking me to help him to resolve the hospital bill.

I had this insurance company paid out quite a few claims before I share them with more people.

Can you guess what happened?

I haven’t heard back from him afterward. I know, a very lame ending, but those outcomes are my happy moments.

Cigna Update Policy

Update Policy Form

*Policy can be modified within 15 days

Cigna Cancel Policy

*Cancelling your policy If you choose to terminate your policy and end cover for all beneficiaries, you can do so by calling Cigna customer service 800 835 7677 or sending an email by the insured.

This is ________(Insured name)
I am requesting in writing to cancel the policy _______(policy#) effective _______(requested end date) .

Cigna Consumer Guide

Consumer Guide

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