Cigna insurance card where is policy number

Appeal rights and timeframes can vary from state to state. Your policy will include full information on your grievance and appeal rights. A retroactive denial is a claim paid by Cigna and then later denied, requiring you to pay for the services. If you overpaid your insurance premium, you may qualify for a refund.

If you think you overpaid, Cigna's Billing and Enrollment department can help you. Please call the number on the back of your ID card with questions about your premium payment and possible refund. Do you need approval before a non-emergency hospital stay or having outpatient care? You may need to get Cigna's approval before a hospital stay or outpatient care. Getting approval is also called prior authorization. Please note: We will review emergency admissions or care after you receive them to determine whether the services were emergent and medically necessary.

A service is medically necessary if it is appropriate and necessary to treat your medical condition. The service must also be consistent with sound medical practice.

Your health insurance plan has its own list of covered drugs, also called the Prescription Drug List. The amount covered for your drugs depends on your plan, the drug and the state where you live. To find out what drugs are covered on your plan, use the drug search tool and select the state you live in. Some prescription drugs and related supplies may need prior authorization from Cigna.

This means we have to approve coverage before your doctor can prescribe them. Your prescribing doctor can request that we make an exception to cover a drug. There is a procedure for requesting a prescription drug exception. Access the required claim forms for pharmacy or you can call Customer Service using the toll-free number on your ID card. How to complete the pharmacy form for a prior authorization or exception request:.

The prescription will be covered at same benefit level as a Participating Pharmacy. If you don't like Cigna's decision about your drug claim you can request that we look at the claim again. Just submit a written appeal. Tell us in the appeal why the prescription drugs or related supplies should be covered. Learn more about appeals and grievances. If you have questions about exceptions or prior authorizations, call Customer Service. Just call the toll-free number on your ID card.

Box Chattanooga TN For mail-order pharmacy claims: Express Scripts P. Box St. Louis MO As part of your plan, we're at your service. If you have questions about your medications, contact us.

We have information about side effects, and how some medications interact with other medications. We can let you know how to handle or store them too. Your doctor's office submits a claim for payment to Cigna after you see your doctor or receive other medical care.

If your provider is not submitting a claim on your behalf, you must send a completed claim form and an itemized bill to the address listed on your ID card. It tells you how your claim was paid, including the amount that was paid and to whom it was paid. EOBs are available for you to look at online at www.

You'll also find:. Remember to save your EOBs for tax purposes and as a record of health care dates and services. When two plans cover the same service they may coordinate benefits.

This is so that neither plan duplicates the other plan's payment. Coordination of Benefits rules can vary from state to state. Please refer to your policy for more information on "Coordination of Benefits. If you visit an out-of-network dentist or other provider , you may pay more for services.

You may have to pay the difference between what the plan allows and the amount billed by the dentist. Balance Billing is the difference between the out-of-network dentist's charge and Cigna's allowed amount for the service s.

An in-network dentist may not bill you for the difference between their charge and Cigna's negotiated rate. For in-network dental claims, your provider will submit your claim. Cigna will process the claim according to the terms of your insurance plan and any payment due will be made to the provider directly.

For out-of-network dental claims, Cigna must receive your claim within 12 months after the date of service, except in absence of legal capacity. If your dentist is not submitting a claim on your behalf, you must send a completed claim form and itemized bill to Cigna. View Cigna's dental claim forms. To keep your dental insurance coverage in effect, you must pay the monthly bill. If you do not pay your monthly bill, then there is a grace period. If you bought your plan from a state or federal marketplace AND you qualify for federal financial assistance and receive an advanced premium tax credit:.

Did you go to a dentist and your claim was paid by Cigna, but then later denied? If you overpaid your insurance premium you may qualify for a refund. You or your dentist's office will submit a claim for payment to Cigna after you visit your dentist. It's simple and clear, so you can see what was submitted, what's been paid and what you owe.

EOBs are available for you to look at online at myCigna. Remember to save your EOBs for tax purposes and as a record of dental care dates and services. Some insured people may have two dental plans.

If you do, your Cigna dental plan will cover services according to the terms of your Cigna dental plan. Cigna does not coordinate benefits for dental coverage. All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative.

Log in to your member account to send us a message or call the Customer Service number on the back of your member ID card. Your member ID card. Contract number: Your member ID number is unique to you. Name: Your first and last name is listed on your card. Group and name: Your group number is specific to your plan type or employer. Health plan: The name of your plan Dependents: Any dependents on your plan, like a child or spouse, are found here. Member: How to call Customer Service and Behavioral Health and instructions on where to find a doctor are located on the back of your ID card.

Member: Phone numbers for Customer Service and assistance with mental health and substance abuse. Use the information and links below to get the replacement cards you need. An ID card is not required to receive coverage for dental care but will assist your dentist with verifying your coverage and filing a claim. To request a new ID card, contact your plan administrator. All insurance policies and group benefit plans contain exclusions and limitations.

For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico. Selecting these links will take you away from Cigna.