Log in your Cigna Personal Webpage account at Cigna website using the Cigna Personal Webpage Instructions.

By logging in your Cigna Personal Webpage, you will be able to:

  • print membership cards;
  • print proof of insurance certificates;
  • find Cigna network providers;
  • submit claims electronically;
  • request for Guarantee of Payments;

To contact Cigna representative, click here.

 

 Guarantee of Payment

To prevent you from having to pay for the total cost of your medical treatment in advance, it is recommended that you arrange for a Guarantee of Payment with Cigna.

A Guarantee of Payment is a document issued by Cigna to a participant that states whether or not the requested treatment is covered. If the treatment is covered, the document will indicate the amount of the cost that will be paid by Cigna directly to the healthcare provider and the amount that will be paid by the participant. The healthcare provider may require you to pay your portion of the cost (i.e., deductible, co-insurance, etc.) in advance of treatment.

It is recommended that you use Cigna’s in-network healthcare providers to receive the Guarantee of Payment document easier and faster.

To arrange for a Guarantee of Payment, please follow these steps:

  1. Find a Cigna in-network hospital by logging in to your Cigna Personal Webpage in the Cigna website and search for an in-network healthcare provider following the instructions in the Cigna Personal Webpage Instructions.
  2. Download the Cost Estimate Form and have your healthcare provider complete the form. The Cost Estimate Form requests the following information from the healthcare provider or hospital:
    • name and contact details of the health care provider;
    • diagnosis;
    • treatment;
    • date of admission and discharge;
    • other medical expenses (medical, x-rays, lab, etc.);
    • hospital room type;
    • currency of payment;
  3. This form must be completed by your provider and returned to Cigna no later than two weeks prior to the scheduled procedure. If using the paper form, send a scan by email to authorization@cigna.com.
  4. Cigna reviews the information submitted and returns to you and to the provider an authorized copy of the Guarantee of Payment form.
  5. Upon admission, you must show your Cigna insurance card and the Guarantee of Payment document to the healthcare provider. Cigna will settle the bill directly with the provider. You will only have to pay your patient portion.

In case of an emergency hospitalization, you will need to contact Cigna as soon as possible to provide admission and hospital contact details. If you are waiting to be admitted to a hospital, Cigna will assist in finding a Cigna in-network hospital. If you are admitted to a hospital outside of the Cigna network, Cigna will try to prepare a guarantee of payment document to arrange payment with the hospital directly.

Medical

 Coverage

The IARC Medical Plan is designed to provide services to both actively employed and retired participants from the Centers. Plan benefits for bridging and retired participants are not the same. Retired participants are not eligible for emergency medical evacuation and dental coverage. Please refer to the respective medical plan brochures for eligibility requirements and plan benefits.


Actively Employed Participants

For actively employed participants, the medical plan covers expenses for a range of health care services and supplies including medical, vision, prescription drugs and dental care. In addition, the Plan arranges and pays for an evacuation in the event of a medical emergency.


You should verify with your Center the benefits that are applicable to you based on your employment contract. You are eligible for coverage if your Center participates in the Plan and you meet the eligibility requirements. Your plan design is based on whether your Center is paying non-U.S. premium rates or U.S. premium rates on your behalf. If your Center is paying non-U.S. premium rates, you will be enrolled into the International Plan. If your Center is paying U.S. premium rates, you will be enrolled into the U.S. Plan.


To enroll yourself and your dependents, you are required to complete the IARC Insurance Plan Enrollment Form authorized by your Center. If a new participant does not submit a completed enrollment form within 25 days of his or her date of employment, the effective date for coverage will be deferred to the first day of the month following approval. In addition, the late enrollee may be subject to a $4,000 limit on the amount that the Plan will pay in the first year of coverage for pre-existing medical conditions.


Once you are enrolled in the Plan, Cigna will provide a personalized Cigna ID card (which includes medical, dental and prescription drug plan information) for you and for each of your dependents. The medical card(s) will be sent to your Center for distribution.


Bridging or Retired Participants

If you are retiring or ending your employment from your Center, your medical insurance coverage will continue for a period of 25 days (the grace period) beginning on the first day after your have ended your employment. Per the rules of the IARC Plan, you can only continue coverage after the 25-day grace period if you are eligible for either bridging insurance or retiree insurance. If you qualify for both options, you can only choose one option upon your separation. For example, if you choose bridging insurance, you will not be eligible for retiree insurance at a later date, and vice versa.


To continue your coverage, you are required to complete a new Tax Residency Self-Certification Form with your IARC Insurance Plan Change Form authorized by your Center. If you do not submit these forms within 25 days after your last day of coverage as an active employee you will no longer be eligible to continue coverage in the Plan and you will not be able to join the Plan at a later date.


If you continue coverage, you will pay the premiums directly to your Center based on the agreement between you and your Center. For legal reasons, AIARC can only collect premium payments from the Centers. The premium rates charged are based on your place of permanent residency after you terminate employment with your Center. For example, if you resided outside of the United States during your employment, but now you reside in the United States, the U.S. premium rate will apply. Your plan design is based on whether you are paying non-U.S. premium rates or U.S. premium rates. If you are paying non-U.S. premium rates, you will be enrolled into the International Plan. If you are paying U.S. premium rates, you will be enrolled into the U.S. Plan.

 International Plan

This section applies only to active employees of Centers and retirees paying international rates (non-U.S. rates).


For health care received outside the United States, the Plan generally pays 90% of your expenses after you satisfy the annual deductible. You can minimize your costs by using a provider in Cigna’s network of preferred providers. Cigna has negotiated discounted fees with these providers, so while the Plan pays 90% of covered expenses for all providers outside of the United States, your portion of costs will be lower if you use providers in Cigna’s network. Additionally, network providers have direct billing arrangements with Cigna, which minimizes your paperwork. Log in to your Cigna personal webpage to find Cigna network providers.


For health care received in the United States, the limit on your out-of-pocket expenses is higher. However, the Plan pays a higher percentage of your U.S. expenses if you use the providers who are members of Cigna’s Open Access Plan (OAP) network. Cigna’s OAP network providers have agreed to discounted fees, so by using them you will be paying a lower percentage of a lower charge. The OAP providers have direct billing arrangements with Cigna, which facilitates the claims process. Click here to find Cigna OAP providers.


The following chart provides the basic plan design for active employees and retirees paying international rates (non-U.S. rates). For the specifics on what is and is not covered in the Plan and for tips to avoid unnecessary out-of-pocket expenses, please refer to the IARC Medical Plan Brochure.


International Plan (for those paying non-U.S. rates)

    Medical Care

    Care Received Outside of U.S. Care Received in U.S.

    Category

    Any Provider

    CIGNA OAP Network
    (In-Network)

    CIGNA Non-OAP Network
    (Out-of-Network)
    Annual Deductible

    Per Individual

    $200 $300 $500

    Family Maximum

    $400 $600 $1,000

    Hospital Deductible

    None None $500 per admission

    Coinsurance (Plan Pays)*

    90% 80% 60%
    Annual Out-Pocket-Limit

    Per Individual

    $1,000 $3,000 $6,000

    Family Maximum

    $2,000 $6,000 $12,000

    Drugs - Inpatient

    Covered as any other medical plan expense

    Drugs - Outpatient

    Covered as any other medical plan expense See Prescription Drugs - U.S.
    Not covered
    Vision Annual Eye Exam One vision exam reimbursed at 100% with no deductible per individual, per calendar year
    Vision Materials Annual maximum for vision materials (i.e. frames, glasses, lenses, etc.) is $300 with 80% co-insurance per individual, per calendar year

*No deductible for Preventive Care services as defined in the Plan.

Please refer to the IARC Medical Plan Brochure for the definitions of the chart categories.

 U.S. Plan

This section applies only to active employees of Centers and retirees paying U.S. rates. 


For health care received in the United States, the Plan pays a greater portion of your expenses if you use providers who are members of Cigna’s Open Access Plan (OAP) network. Cigna’s OAP providers have agreed to discounted fees so by using them you will be paying a lower percentage of a lower charge. The OAP providers have direct billing arrangements with Cigna, which facilitates the claims process. Click here to find Cigna OAP providers.


For health care received outside the United States, the limit on your out-of-pocket expenses is lower. You can minimize your costs for health care received outside the U.S. by using providers in Cigna’s network of preferred providers. Cigna has negotiated discounted fees with these providers, so while the Plan pays 90% of most medical expenses outside of the U.S., your portion of costs will be lower by using providers in Cigna’s network. Network providers have direct billing arrangements with Cigna to minimize your paperwork. Log in to your Cigna personal webpage to find Cigna network providers.


The following chart provides the basic design for active employees and retirees paying U.S. rates. For the specifics on what is and is not covered in the Plan and for tips to avoid unnecessary out-of-pocket expenses, please refer to the IARC Medical Plan Brochure.


U.S. Plan (for those paying U.S. rates)

    Medical Care

    Care Received in U.S. Care Received Outside of U.S.

    Category

    CIGNA OAP Network
    (In-Network)
    CIGNA Non-OAP Network
    (Out-of-Network)
    Any Provider
    Annual Deductible

    Per Individual

    $200 $400 $200

    Family Maximum

    $400 $800 $400

    Hospital Deductible

    None $500 per admission None

    Coinsurance (Plan Pays)*

    90% 70% 90%
    Annual Out-Pocket-Limit

    Per Individual

    $2,500 $5,000 $1,000

    Family Maximum

    $5,000 $10,000 $2,000

    Drugs - Inpatient

    Covered as any other medical Plan expense

    Drugs - Outpatient

    See Prescription Drugs - U.S. Not covered Covered as any other medical plan expense
    Vision Annual Eye Exam One vision exam reimbursed at 100% with no deductible per individual, per calendar year
    Vision Materials Annual maximum for vision materials (i.e. frames, glasses, lenses, etc.) is $300 with 80% co-insurance per individual, per calendar year

*No deductible for Preventive Care services as defined in the Plan.

Please refer to the IARC Medical Plan Brochure for the definitions of the chart categories.

 Frequently Asked Questions

This section provides you with answers to the most frequently asked questions about the IARC Medical Plan. Please refer to the IARC Medical Plan Brochure which provides information about the eligibility requirements, deductibles, coinsurance, and maximums for care received outside and inside the United States.


How long does it take to receive my plastic medical insurance card?
One you are enrolled in the medical plan, you will receive your plastic insurance cards in approximately 30 days. These plastic cards are sent directly to the Human Resources department at your Center for distribution. However, you can download an electronic copy of the plastic card for you and your dependents by creating and logging in to your Cigna Personal Webpage account. For more information, please refer to the Cigna Personal Webpage Instructions


Will each dependent have an ID card in his or her name?
Yes, after you are enrolled in the IARC Medical Plan, Cigna will provide a personalized Cigna ID card (which includes medical, dental, and prescription drug plan information) for you and for each of your covered dependents. Please note that Cigna partners with Cigna Healthcare (Cigna) for medical services provided in the United States.


What are the premiums (costs) of this Plan?
The premium information is available from Human Resources department at your Center.


How does my medical plan work if I am receiving care outside of the United States?
For care received outside of the United States, the Plan pays 90% of your expenses after you satisfy the annual deductible. You can minimize your costs by using a provider in Cigna’s network of preferred providers. Cigna has negotiated attractive fees with these providers. Although the Plan pays 90% of covered expenses for all providers outside of the United States, your portion of costs will be lower if you use providers in Cigna’s network. Additionally, network providers have direct billing arrangements with Cigna, which minimizes your paperwork.


What is a deductible?
The deductible amount is that portion of a covered medical expense that the participant must pay before the coinsurance rate is applied. For example, if a covered expense of $500 is submitted for payment to the Plan with a $200 deductible, the participant must pay the first $200 of covered expenses prior to the Plan paying for any expenses. The deductible must be met by the participant once each calendar year.


What is coinsurance?
Coinsurance describes cost sharing between the participant and the Medical Plan. The Plan’s percentage of payment represents the benefit amount that the Plan pays. For example, after the deductible has been met, the Plan would pay 90% of the charges and the participant (an employee of a Center) would pay 10% of the charges.


How can I find a doctor or hospital?
You can find a list of healthcare providers, outside of the United States, through your Cigna personal webpage. To find a healthcare provider in the United States, please use the OAP in-network providers.


Why should I use a doctor in the list of network providers?
You should use a provider in the network to save time and money. You can minimize your out-of-pocket medical costs by using providers that are in Cigna’s network outside the United States and Cigna’s OAP network in the United States. Network providers in and out of the United States submit claims for expenses directly to Cigna, eliminating paperwork for you.


What if I have a planned treatment in a hospital?
If you have a planned treatment in a hospital, it is advantageous to request a Guarantee of Payment from Cigna in order to set up a direct payment arrangement with the healthcare provider. Additionally, a guarantee of payment will generally result in lower costs for your treatment. For more information, please refer to the Guarantee of Payment section.


What if I have an emergency hospitalization?
In case of an emergency hospitalization, please call Cigna as soon as possible to request a Guarantee of Payment. Cigna will attempt to arrange a direct payment with the hospital. It is recommended that you use Cigna in-network providers for emergency hospital admissions because a Guarantee of Payment will be easier and faster to obtain than for out-of-network providers. For out-of-network providers, you may have to pay the provider in full in advance and submit the claim to Cigna for reimbursement.


How is a direct payment arrangement made in the United States?
Direct billing is automatic with the Cigna in-network medical providers. For out-of-network providers, you may have to pay the provider in full in advance and submit the claim to Cigna for reimbursement.

How do I submit a claim to be reimbursed?
You can submit claims electronically or by postal mail. It is recommended that you submit claims electronically to avoid mailing delays and costs. For instructions on submitting claims, please refer to the claim procedure.


What is the last day for submitting a claim?
All qualifying claims (medical, vision, dental and prescription drugs) should be submitted within 90 days after the date of service. Please note that no payment will be made for any claim submitted later than one year after the date of service.


Can I submit claims in any language?
Cigna can administer claims in several languages — English, French, Dutch, German, Spanish, Italian, Portuguese, Danish, Greek and Turkish.


How are claim payments made? What currencies are available?
Payments can be made by check or wire transfer. Claim reimbursement will be made in US dollars, unless the claimant requests reimbursement in a different currency.

Please refer to the available currencies —  Australian Dollar (AUD), Canadian Dollar (CAD), Danish Krone (DKK), Indian Rupee (INR), Euro (EUR), Kenyan Shilling (KES), Mexican Peso* (MXN), Norwegian Krone (NOK), Philippine Peso* (PHP), South African Rand (ZAR), Swedish Krona (SEK), Swiss Franc (CHF), Thai Baht (THB), Tunisian Dinar* (TND), Pound Sterling (GBP) and U.S. Dollar(USD). (*This currency is available for reimbursement by wire transfer only.)


What rate of exchange will be used?
Cigna uses the exchange rate from the United Nations Operational Rate of Exchange website. The rate is calculated based on the date of service (date the claim was incurred).


Can I review my claim reimbursement on the Cigna website?
Yes, you can review your claim reimbursements and corresponding settlements by logging in to your Cigna website.


 Claim Procedure

All qualifying claims (medical, vision, dental and prescription drugs) should be submitted within 90 days after the date of service. Please note that no payment will be made for any claim submitted later than one year after the date of service.

You can submit claims electronically or by postal mail. By submitting claims electronically, you will avoid postal delays and costs. For treatment in the United States, providers will often bill Cigna directly and then send you an invoice for your share of the costs.


To submit claims electronically, arrange direct-deposit payments, find in-network health care providers and print membership cards, you will need to create a personal account on the Cigna website using the Cigna Personal Webpage Instructions.

The Cigna online claiming tool will automatically fill in personal information and payment details; will provide you with guidance on processing claims; will remind you of which original documents to attach; will allow you to save your work on unfinished claims and then to pick up where you left off; and will let you track the status of submitted claims and archive old claims. You can find the highlights of the Cigna claiming tool and a video tutorial at Smartclaiming.cignahealthbenefits.com. For more detailed instructions about the online claims process, please refer to the Cigna Online Claiming Tool Manual.

Please remember to scan all invoices and other supporting documents in advance so you can attach them to your claim within the Cigna website.

After you submit your claim online, you will receive an email confirming your submission. It is recommended that you keep the original invoices and supporting documentation for a period of at least six months after the electronic submission of your claim. Once your claim has been processed, you will be notified by email and your settlement details will be available online.


To submit claims using the Cigna Health Benefits App , you will need to download the Cigna Health Benefits App in your smartphone. With this app, you can submit a claim by taking a picture of your invoice. The Cigna Health Benefits App can be downloaded onto your phone from Apple’s App Store or Android’s Google Play.

In order to use the Cigna App, you will first need to set-up your Cigna Personal Webpage account using the Cigna Personal Webpage Instructions. To find more information refer to the Cigna Health Benefits App Manual.


To submit claims by mail, you will need to download the claim form from the Cigna website and send the completed claim form with original invoices and with proof of the nature and extent of the treatment. This form is customized for your personal use: your name and your personal reference number (transcribed into a corresponding barcode) are automatically filled in on the downloadable form. Send the claim form along with documentation for the claim to one of the addresses mentioned on your Cigna Personal Webpage.

Please make copies of all your documents for your personal records before mailing.