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.