Filing a Claim for Benefits
If you see an in-network provider for a medical or dental service, you will generally be asked to pay only your copayment/coinsurance, if any, at the point of service. In-network providers will typically submit a claim to Cigna Global Health Benefits for the balance, using the information from your ID card. When you visit an out-of-network provider, you should always show the provider your ID card and ask if they will submit the claim for you.
If a provider will not bill Cigna directly you will need to pay at the point of service and file a claim with Cigna Global Health Benefits to be reimbursed. You can submit your claim online or by mail, as described below. (An itemized bill may be submitted in lieu of the attending physician's statement.) Upon filing a claim you will be reimbursed based on the schedule of benefits described under "How the Expatriate Medical Plan Pays Benefits" or "How the Expatriate Dental Plan Pays Benefits."
If you see an in-network provider, you will generally be asked to pay only your copayment /coinsurance, if any, at the point of service. Providers will typically submit a claim to Cigna Global Health Benefits for the balance, using the information from your ID card.
While in-network providers have agreed to submit claims directly to Cigna and not ask for full payment at the time of service, occasionally an in-network provider may nevertheless ask you for full payment.
If this happens, you should show your ID card and explain that Cigna needs to review the claim to see what you owe. If you are still required to pay at the time of service, you should do so and get an itemized receipt from your provider. You can then submit a claim to Cigna to be reimbursed for the Plan's share of the expense. Submitting your claims to Cigna Global Health Benefits via the Cigna Envoy website at www.cignaenvoy.com will help to expedite the processing of your claim.