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. Please refer to the instructions for creating or accessing your Cigna Personal Webpage account.
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.

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.