Generally, if you participate in a Health Care Spending Account (HCSA), your medical and/or dental HCSA claims may be automatically substantiated if you participate in a medical or dental plan administered by the same carrier that administers your HCSA — either Aetna or Cigna. For example, if Cigna administers your HCSA and you participate in a Cigna Medical or Cigna DHMO Plan, then if your provider submits an invoice for services that are not otherwise covered at 100% by your respective Cigna Medical or Cigna DHMO Plan, the payment for your portion of the costs will be automatically substantiated because Cigna administers your HCSA.