Cigna Global PPO Insurance – How to locate Doctors, Hospitals,ER, Urgent Care & PBM, Medications, Script [Still Express?],

Who is Cigna Global Expat PPO Insurance?

Cigna Global is owned by Cigna USA, but domicile in Dubai. It is PPO insurance designed for the visitor of the USA or USA Citizen using it outside the USA.

According to their own website…

[Click to read] Cigna Consumer Guide

[Click to read] Cigna Brochure

[Click Here] to read the Chinese Version

[Click here] Get A Cigna Online Quote Directly

[Click Here] to read the Cigna Coronavirus Flyer

Cigna Global Customer Login Website

Cigna Global CoronaVirus test kid update (April 2020)  !!!

This would be payable under the outpatient benefit module provided the member is seeking treatment for an illness and the test is performed to determine a diagnosis.

Cigna Global New Proof of Address Requirements [Due to Corona aka Wuhan Virus?]

On Jan/31/2020, we received the following important notice from Cigna.

I am not sure if this has anything to do with the Coronavirus?

But, buying this all-expense-paid, no deductible & no co-pay insurance has been extremely difficult.

Lately, I suspected that anyone with an Asian last name is having so much problem completing the insurance transaction online.

This article is a guide meant for our existing clients & prospective client. It has information on

How to locate

  • Doctors,
  • Hospitals
  • Urgent Care
  • Emergency Care
  • Cigna Insurance & …

Is Cigna a credible insurance carrier?

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

In within Cigna conglomerate, there are about 60+ holding companies.

Hence, it is not meant for any US citizens using it within the USA.

Is Cigna good insurance?

Cigna is one of the best-known health insurance companies (maybe because it is the oldest health insurance company – see below for INA) in the United States. A large network of physicians: Cigna has more than 500,000 physicians and more than 8,000 hospitals in its network. Low-cost coverage: Consumers can choose among a variety of plans, including low-cost offerings.

Still, is Cigna Insurance any good?

Cigna does offer health insurance, Medicare, and dental insurance for individuals and families. If you are looking for cheap individual health insurance then Cigna would be a good option to consider.

However, that is the catch here. I want to bring out the point that, what we are discussing here, is not Cigna’s individual plan which is only available in only 15 of the 50 states.

In jurisdictions outside the USA and Canada, products and services are offered by or through Cigna Global Insurance Company Ltd. or affiliates and contracted companies.

The company ranked No. 13 in the 2020 Fortune 500 list of the largest United States corporations by total revenue.

Cigna’s Global health insurance can be a good option for ex-pats working abroad who are willing to pay above-average prices for very robust and thorough coverage. It is also one of the best options for seniors over 65 due to its below-average premiums for this age range.

[Click here] Get A Cigna Online Quote Directly

If you are still interested about Cigna history, you can continue reading. (Otherwise, skip to next section)

It’s the Oldest Health Insurance Company in the USA

In 1792, it is known as the “Insurance Company of North America” (INA) and was established in Philadelphia. It is the first Marine insurer in the United States.

Despite being the oldest in the country, it’s not the largest.

Cigna is ranked fourth in the USA only after Aetna, BCBS, and UHC. Below are a few details about the first three insurance companies.

#1 UHC

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.


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.

#3 Aetna

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.

In 1975, the company created an HMO (health maintenance organization) subsidiary and entered the managed healthcare space.

Judging from an obvious and sincere observation, we could say that Cigna is truly the third-ranked insurance company in the US since BCBS is really a federation of about 36 carriers.

[Click Here] to read the Chinese Version

BCBS (Blue Cross & Blue Shield Association) is really a federation of about 36 carriers. Hence, if you don’t count BCBS, Cigna can be the 3rd largest carrier.

Who are we 212-484-9888.com & our relationship with Cigna?

We are a broker like Insubuy.com (& we could have sold you “Travel Insurance” from carries like)

We stop selling those “Travel Insurance” & don’t want to comments on why.

We only endorse Cigna Insurance for our individual ex-pat clients.

If your company has multiple employees who wanted to join the insurance, Do consider group insurance.

Since Obamacare, all insurance, especially group plan, will have to cover all pre-existing conditions, i.e.

The Cigna Global insurance designed for an individual doesn’t automatically cover pre-existing conditions, so if you have a

pre-existing condition please call us to discuss.

Why are we endorsing Cigna Global PPO Individual Insurance?

Cigna Global PPO insurance from us is: SIMPLE

It covers any Decease (i.e. Cancer), Illness (i.e. HIV/AIDS), Sickness (i.e. Heart Attack) & Virus (i.e. Coronavirus).

Cigna Global PPO offers as much flexibility when picking a doctor or hospital. Their plan also features a network of providers although there are fewer restrictions on seeing non-network providers.

In addition to this, Cigna PPO insurance will pay if you see a non-network provider even though payment could be at a lower rate.

In short, Cigna’s PPO plan cover any doctor, hospital around the world.

[Click Here] Why your HMO insurance might cover $0?  (Yes nothing). [HMO, EPO & PPO.]

The only thing that Cigna PPO Insurance doesn’t cover, is a pre-existing condition. Please call us to consult if you really have a “Pre-Existing Condition”

What, what what. What about Obamacare Care Insurance?

To Buy Cigna, we need the insured’s name, DOB, address, email and contact phone#

[Click here] Get A Cigna Online Quote Directly

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

Hospital List















To locate Doctors and Hospitals In USA-> click [here]


To locate a doctor in China -> click [here]

Cigna Direct China Provider Directory

To locate a doctor in Korea, HK, Taiwan, Singapore & other countries->

Click [here !!!]

Interested in More about Cigna?[click here]

Cigna is an American but worldwide health service organization whose insurance subsidiaries are major providers of medical, dental, disability, life and accident insurance.

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 coverage 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. 13 in the 2020 Fortune 500 list of the largest United States corporations by total revenue.

[Click here] to read more about Urgent Care vs ER

Cigna became one of the largest PBM in the World.

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.

Cigna-Express Scripts Merger’s A Done Deal

[Click here] Get A Cigna Online Quote Directly

Cigna Individual Rate By Age

Cigna will be expensive, so if you cannot afford this, you can try to get a quote by clicking the link below:


[Click here] Get A Cigna Online Quote Directly

Cigna Telehealth

Teledoc, is, you can call the doctor to inquire about your health concerns. It is getting very popular now because of COVID-19, but we are not sure how good of Chinese (those Teledoc) doctors have.

Teledoc in the USA requires only MD & NP (Nurse Practitioner) to answer the phone only, so their advice, should be good.

[Click to read] more about Cigna Telehealth

[Click to read] Cigna Telehealth Flyer

Cigna Prescription-Drugs

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

Please see the following details to the pharmacy at the time of utilization:

BIN # – 600428 or 017010 (they have 2 bin # but mostly likely the pharmacy will take 600428)

PCN # – 02160000

ID # – This will be the member’s policy number

GRP # – 2498641

VAT – 740455451

[Click Here] to read the Chinese Version

Adult vaccinations

Flu shots are covered under the Outpatient benefit module – see page 30 of the customer guide

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
Please call 1 800 835 7677

[Click here] Get A Cigna Online Quote Directly

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: CGI@Cigna.com 

Fax them to: +44 (0) 1475 492113

Mail to:

Customer Care Team, Cigna Global Health Options,
Attn: Customer service
1 Knowe Road,
Greenock, Scotland
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 [Beware & Why you buy from us.]

The premium of the insurance is the same when you buy from Cigna Global Directly, or if you are to buy from us. When we generate the quote for you, we always set the deductible &  co-insurance to zero. I believed if you were to generate a quote by yourself, the Cigna quote system or even their phone rep will always sneak in a deductable for you to enjoy.

Claims diagram [Another reason to buy from us?]

Nobody likes claims, we don’t either.

Their claim process sounded simple, but most of our customers have to resort to using our help with their claim process.

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.

[Click here] Get a Quote Online?

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

Update!!! Impossible to complete online sales via Cigna Portal. Please call us 212-484-9888

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.

Listen to our tips about how your doctor can benefit from you.

The member is able to call +44 1475 788682 to update his payment details.

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: CGI@Cigna.com

[Click here] Get A Cigna Online Quote Directly

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.

[Click Here] to read the Chinese Version

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 Acupuncture

Cigna Hospital

Hospital charges are paid in full

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.

Click for: 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)

[Click here] Get A Cigna Online Quote Directly

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.

Click here to Get Quote

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/Add Insured Information

Update Policy Form

*Policy can be modified within 15 days

Cigna Cancel Policy

*Cancelling your policy, please send an email to cgi@cigna.com by the insured and provide the cancellation reason to Cigna. (they need it to close file)

Email Subject:

Cancellation Request – Policy#_______

Email Content:

This is ________(Insured name).

I am requesting in writing to cancel the policy# _______ effective on_______(requested end date) .