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Disclosure Disclosure of information to the customer has surfaced as a key issue in the public debate over managed care. There is a misperception that health plans do not give their members basic information about the plan such as: what is contained in the benefit plan they have selected, how to access services, which providers are in the network, what is the appeal and grievance procedure, etc.
Customer advocates and others are interested in requiring health plans to disclose financial information such as: what percentage of each premium dollar goes to the delivery of medical care versus administration of the plan, the specific amount providers are compensated, etc.
We believe that full information disclosure is essential to member satisfaction and in providing access to quality care. Cigna members receive a description of their benefit packages that includes information on: exclusions and limitations, the definition of emergency care, claims, and reimbursement procedures. In addition, participants in our managed care Network, POS, EPO, PPO plans receive instructions on accessing primary and specialty care, away-from-home care, out-of-network benefits POS and PPO plans only , member rights and responsibilities, the Cigna appeal and grievance procedure, a directory of participating providers, and other important information.
Emergency Room Widespread reports of emergency room claim denials by managed care plans have led to calls for legislative solutions. EMTALA requires hospitals and emergency room physicians to screen and stabilize emergency room patients regardless of whether the patient is in an emergency situation.
When a managed care plan participant seeks treatment for a non-emergency condition in the emergency room, they are responsible for the cost of screening and any treatment rendered. As a result, hospitals and emergency room physicians are often not being paid for these services. They have seized this issue and are seeking legislation that would guarantee payment for all treatment provided in emergency rooms, regardless of the medical necessity of the services.
This proposal would remove the financial disincentive for inappropriate use of the emergency room. In effect, it would encourage people to use the most expensive health care setting, the emergency room, rather than their primary care physician or specialists.
Another issue is that emergency room claims are initially being denied because hospitals and emergency room physicians disclose only the final patient diagnosis on claim forms. When the presenting symptoms are disclosed, the claims are often paid. Emergencies should be treated in the emergency room, and patients should get emergency care when they need it at the sudden—and unexpected—onset of a serious injury or life-threatening illness.
In addition, if a managed care plan participant's primary care provider refers them to the emergency room, regardless of the nature or severity of the illness or injury, the claim will be covered. Non-emergency conditions should be treated by a physician in the physician's office. We encourage all Cigna plan participants to seek treatment for non-emergency conditions as soon as possible. Cigna, by contract, requires participating primary care physicians to maintain hour, seven-day-a-week telephone coverage and to provide an appointment within 24 to 48 hours of a request for urgent medical conditions.
When members are unsure whether or not they have a condition that requires immediate medical attention, they should consult with their primary care physicians. If their symptoms warrant prompt medical attention, the PCP will refer them to the emergency room. This relationship facilitates better treatment in the emergency room because the primary care physician can alert the emergency room that the patient is coming and provide important details on the patient's condition and health history.
Any hour of the day or night, from any phone in the U. The toll-free number is on the back of your Cigna ID card. A Health Information nurse will help you determine if emergency room care is advisable, if you require urgent care, or if self-care followed by a physician office visit is best. Remember that this is not a call for authorization to seek emergency care. No authorization or referral is required by any Cigna medical plan for emergency care. If you believe life or limb are at risk, don't delay.
Go directly to the nearest emergency facility or notify your local emergency services immediately. The general public is under the false impression that managed care companies do not provide coverage for new treatments, drugs, or devices—often called experimental treatment—because they are expensive and unproven. This issue has received a great deal of media attention in relation to coverage for autologous bone marrow transplants ABMT for the treatment of breast cancer, as well as coverage for clinical trials.
We evaluate requests for coverage for new treatments on a case-by-case basis. The Cigna coverage review process uses internal and external sources including its Medical Technology Assessment Council, peer-reviewed medical literature, and independent medical experts to assist its medical directors in reaching coverage determinations.
With the ethicist's help, we have developed a decision making tool that makes explicit the ethical dimensions of issues that frequently arise in managed care.
The Cigna Medical Ethics Council is a standing committee established to ensure that ethical decision making is an integral part of each health plan's operations. Our Medical Ethics Council includes representation from various departments within the company. Independent Review : The Cigna Expert Review Program assists our medical directors in determining coverage for medically complex cases. The program provides extensive and objective assessments through a network of credentialed, independent medical experts in all domains of medical care.
The medical experts may be local medical experts or from nationally recognized academic medical centers. They render opinions that address the issue of whether the requested technology will specifically benefit the member in question and whether this technology offers advantages over currently proven treatment modalities. Medical Technology Assessment : The Cigna Medical Technology Assessment process evaluates emerging and evolving technologies to help ensure that our members have access to effective treatments.
The Medical Technology Assessment Council, composed of national and field medical directors, an ethicist, an attorney, and nursing professionals, meets monthly to evaluate independent reports on medical technologies. The council also reviews reports produced by the Technology Assessment Unit research staff at the request of field medical directors. The actions of the council produce coverage statements that are communicated to all Cigna medical directors.
The Medical Technology Assessment process is a central source of scientific, objective, and consistent support for the administration of benefits. We oppose legislative mandates that would require coverage for particular treatments or drugs. Medical science is not static, new treatments are constantly being discovered, and changes are being made to existing treatments on a regular basis. Government should not be involved in deciding what is the best medical treatment for a particular health condition.
Providers unhappy with the changes managed care has made in the way they are paid have raised the issue. They assert that managed care payment arrangements, particularly capitation, reward physicians for providing less care.
Managed care is changing the way that physicians are paid. In many cases they no longer receive a fee for every individual service, procedure, or treatment they perform. This type of reimbursement encourages overtreatment which, in addition to being expensive, can be dangerous. There is a misperception that managed care offers physicians financial incentives to cut costs and corners when treating patients.
We believe that physicians should direct their efforts toward providing quality health care to Cigna members and that cost reductions can be achieved without affecting quality, simply by eliminating care that is unnecessary or of no proven value. We oppose the use of financial incentives that encourage physicians to withhold necessary care.
We do not offer physicians incentives to deny care. Compensation for Cigna-participating and out-of-network providers is determined using one of the following reimbursement methods: Discounted fee for service : Payment for services is based on an agreed upon discounted amount for services provided. This payment covers physician and, where applicable, hospital or other services covered under the benefit plan.
Medical groups and PHOs may in turn compensate providers using a variety of methods. This compensation method applies to Cigna Network plans and the in-network providers in our POS plans. Capitation provides physicians with a predictable income, encourages physicians to keep people well through preventive care, eliminates the financial incentive to provide services which will not benefit the patient, and reduces paperwork for physicians.
Salary : Physicians who are employed to work in a Cigna medical facility are paid a salary. The physician's compensation is based on a dollar amount, decided in advance each year, that is guaranteed regardless of the services provided. Physicians are eligible for a bonus at the end of the year based on quality of care, quality of service, and appropriate use of medical services. Bonuses and Incentives: Eligible physicians may receive additional payments based on their performance.
To determine who qualifies, Cigna evaluates physician performance using criteria that may include quality of care, quality of service, and appropriate use of medical services.
Formulary Some patient advocates and independent pharmacists contend that drug formularies limit patient treatment options and can inhibit therapy.
In particular, media attention has focused on certain drugs not being included on formularies. Patient advocacy groups are seeking coverage for all FDA-approved drugs, regardless of whether they are approved for the treatment for which they are being prescribed. Legislative attacks are under way. The Susan Horn Study , concluded that use of formularies increased use of health care services, which resulted in lower quality and increased costs.
The Cigna formulary—a list of drugs covered by a member's benefit plan—was developed to assure quality and cost effective drug therapy. Drugs included in our formulary are carefully selected by physicians and pharmacists for their efficacy, and the formulary is reviewed and updated regularly.
This process allows our members to benefit on an ongoing basis from advances in pharmaceutical science that can dramatically improve the quality of people's lives. Hospitals have used drug formularies in the same way for many years. The Cigna national drug formulary contains 1, FDA-approved brand name and generic drugs.
These drugs are placed on the formulary by the Cigna Pharmacy and Therapeutic Committee, which meets quarterly and is composed of physicians and pharmacists. The Cigna Pharmacy and Therapeutic Committee reviews all FDA-approved drugs, groups them by therapeutic function, and then, within each group, compares their relative therapeutic effectiveness and potential side effects.
Only when two or more drugs are determined to be therapeutically equivalent does cost become a consideration. Cost is an appropriate and necessary consideration, since drug prices have risen three times faster than the rate of inflation over the last decade. We offer a variety of formulary structures, depending on the level of prescription drug coverage your employer chooses to offer.
Our Two-Tier Formulary covers generic drugs and preferred brand-name drugs that do not have generic equivalents slightly higher copayment required. Our Three-Tier Formulary covers generics, preferred-brand, and non-preferred brand drugs medications that have generic equivalents or one or more preferred-brand options available at a higher copayment level.
Your employer can tell you which formulary program you participate in or you can call Member Services. You can also review your specific formulary for covered medications online. Local Cigna plans may modify the national formulary to take into consideration local prescribing practices. If a physician wishes to prescribe a drug that is not on the formulary, the physician or a member may seek an exception to the formulary for coverage of a non-formulary drug.
It has resurfaced again in several state legislatures and at the federal level. Critics of managed care are making the argument that when a health plan denies coverage for a treatment or procedure, it is a medical decision—because the health plan is deciding what treatment it will cover—and should be subject to medical malpractice liability.
The underlying assumption is that treatment will not be given unless the health plan will pay for it. Health plan medical professionals make coverage determinations based on the terms of a member's particular benefit plan.
Health plan medical directors use utilization management guidelines to assist in making such coverage determinations, but they are used as just that—guidelines—and are not a substitute for a clinician's judgment. The utilization management guidelines are a set of optimal clinical practice benchmarks for a given treatment with no complications and are based solely on sound clinical practices.
The Cigna utilization management guidelines are reviewed by each local health plan's quality committee, composed of Cigna-participating physicians practicing in the area, and are modified to reflect local practice.
The guidelines are applied on a case-by-case basis. Mandated Benefits Mandated benefits require managed care companies and insurers by law to provide coverage for specific treatments and procedures and may set durational limits on coverage e.
These laws, typically enacted by state legislatures, apply only to HMOs and insured plans, and do not apply to self-insured plans. Federal mandates, however, apply to all employer-provided plans, whether insured or self-insured.
One of the biggest concerns with mandated benefits is that they increase the cost of health care coverage. Some recent examples of mandated benefits include coverage for diabetic supplies, equipment and education, prostate screening antigen PSA testing for prostate cancer, bone densitometry for osteoporosis, breast reconstructive surgery following a mastectomy, and mastectomy length-of-stay requirements.
We are opposed to the government determining specific benefits to be included in managed care and insurance contracts. We believe that the marketplace should determine the benefits available to health plan participants.
Mandatory Point-of-Service Legislative mandates that would require all HMOs to offer a point-of-service plan—a plan that offers participants the option to choose out-of-network providers for covered services—have been introduced in several states and have been enacted in several others.
Legislators are attempting to guarantee that consumers are offered a health care coverage option other than a traditional HMO.
We oppose legislative mandates that would require all HMOs to offer an out-of-network benefit. This mandate would increase costs for employers and members and would eliminate traditional HMOs as a product offering in the marketplace. Point-of-service plans are already an option widely available in the marketplace.
Maternity Care We care about the health and well-being of our members. We also provide expectant mothers with educational materials, including a handbook on pregnancy and infancy.
If a high-risk pregnancy is identified, the woman will be followed throughout the pregnancy by a case manager who is a registered nurse. The case manager, trained in obstetrics, works with the doctor and member to develop and carry out an appropriate treatment plan that fosters a successful pregnancy and childbirth. The time a mother and baby spend in the hospital after delivery is a medical decision.
Shorter or longer lengths of stay may be approved at the request of the attending physician. Medically necessary home care services are available following discharge from the hospital. Home care nurses are trained to give a full assessment of the mother's and baby's health as well as answer any questions.
Many physicians find that home care is the most effective way to follow up with a new mother since it enables a complete assessment of both health and home environmental issues. Mental Health Parity In , mental health advocates were successful in the passage of federal legislation that requires employers who provide mental health coverage to apply the same annual and lifetime dollar limits to the mental health benefits as are applied to benefits for physical illness.
Mental health advocates are now seeking state legislative mandates that would require mental health coverage be provided in all health plans at the same level of benefits as physical illness. Some of the state proposals specify certain conditions, such as biologically based mental illnesses, while others would require all mental health conditions be treated the same as physical illnesses. We do not support government-mandated benefits; however, we do support appropriate care and treatment for mental illness.
They are touted as preventing racially discriminatory practices in the selection of providers. If you have an emergency admission, you must precertify within 2 days of the admission. Call us at , unless the admission is related to a mental health or substance abuse condition. In that case, call We will reduce benefits if the hospital stay is not precertified.
You do not need to precertify when you are admitted to a hospital outside of the United States or when another group health insurance, such as Medicare Part A, is the primary payor for the hospital stay. If you exhaust your Medicare hospital benefits and do not want to use your Medicare lifetime reserve days, you need to precertify by calling More information about the precertification process, follow the benefit chart below. For a complete explanation of Physician Benefits or the precertification process, please view our official brochure.
You pay at PPO Provider. X-rays, other diagnostic services. Accidental Injury nonsurgical care, simple laceration repair and immobilization of a sprain, strain, or fracture. Any amount over the Plan allowance within 72 hours. Accidental Dental Injury outpatient care.
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These tools are often key when making decisions about plan choice. Refer back to them as often as you need to. Plans come with mental health benefits and health and wellness programs, and may include spending accounts and pharmacy coverage, as well.
Medical Indemnity. Medical Network Plans. Cigna medical plans come with mental health benefits included. It's just one of the ways we're focused on the whole person--your medical as well as your emotional health.
Mental Health and Substance Use Coverage. Access to licensed mental health providers, services, and resources within Cigna's Behavioral Health Network, including confidential therapy, recovery specialists, and treatment options for substance use.
You and anyone in your household get access to licensed clinicians for help with family and work issues, stress, anxiety. We also provide referrals for legal and financial needs, childcare resources, and other life challenges. When you enroll in a Cigna plan through your employer, you may have access to programs and services to help make your life easier and healthier.
Access to a health coach, online or by phone, to provide you with personalized support if weight, tobacco use, or stress is affecting your health or your ability to live an active life. Your employer may offer an Incentives Awards Program to reward you for taking actions to improve your health. Activate your myCigna account to start earning awards, including cash, when you take your health assessment, get an annual check-up, talk to a health coach, start an exercise program, and more.
This program offers additional support during and after pregnancy including access to a Cigna Maternity Coach. The program comes with useful tips and tools to help make it a healthier nine months and a healthier baby. Your employer may offer a medical plan that includes a spending account.
It can help you plan and pay for a wide variety of health care expenses. A HSA is a bank account that you own. You, your employer, and others can contribute to it. A FSA is a spending account that helps to cover eligible expenses. There are three different types of FSAs. Your pharmacy benefits provide you with access to many Cigna programs and services that can help you manage your health and prescription medication needs.
Home delivery is a convenient and secure option if you take medication on a regular basis 4 to treat an ongoing health condition. If you're taking a specialty medication, Accredo, a Cigna specialty pharmacy, can help.
They'll provide you with personalized care and support to help you manage your therapy—at no extra cost. You have access to thousands of retail pharmacies in our network. These include local pharmacies, grocery stores, retail chains, and wholesale warehouse stores.
Cigna's licensed pharmacists are specially trained and certified to help you manage many health conditions. They can also help you find ways to lower your medication costs.
To talk with a Cigna pharmacist, call Call as often as you need to. Your conversations are free and confidential. If your employer is offering you dental coverage , select a plan below to see product details.
Dental Indemnity. Your employer may offer one of two types of vision care to help you save money on routine eye care, eyewear, and more. Vision Indemnity Plans. Your employer may be offering supplemental health coverage that can help provide you with additional financial protection should an unexpected illness or injury occur.
When you enroll in a Cigna Supplemental Health plan, these services are included at no additional cost to you. Programs may vary based on plan. Discounts on health and wellness services including nutrition, weight management, vision, hearing, chiropractic care, acupuncture, and more.
Access to 30 days of pre-paid expert money coaching and help with identity theft, fraud resolution, state-specific wills, and other legal documents. Personalized assistance to help you and your family, including parents and parents-in-law, navigate a wide range of health care and health insurance challenges. You can buy supplemental plans on your own.
Cigna offers policies that can help pay out-of-pocket medical and household expenses related to serious illness, accidents, or hospitalization. If not, check with your HR department.
Need help understanding how insurance plans work? To learn more, visit the Knowledge Center. Activate your myCigna account Check out member programs and services. This page features plans you get through an employer. If you're looking for plans you can buy for yourself or your family, we can help get you there. Not all preventive care services are covered by all plans. For example, most immunizations for travel are generally not covered. See your plan documents for a complete list of covered preventive care services.
The Cigna Dental Care plan is not available in all states. Some restrictions may apply. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. Programs are provided through third party vendors who are solely responsible for their products and services. Full terms, conditions and exclusions are contained in the applicable client program description, and are subject to change. To find out which drugs are covered by your plan, use the Prescription Drug List.
If not, check with your HR department. Need help understanding how insurance plans work? To learn more, visit the Knowledge Center. Activate your myCigna account 1. Check out member programs and services. This page features plans you get through an employer. If you're looking for plans you can buy for yourself or your family, we can help get you there.
View Cigna Company Names. Plans contain exclusions and limitations and may not be available in all areas. For costs and details of coverage, see your plan documents. All rights reserved. Product availability may vary by location and plan type and is subject to change. All health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna representative.
Selecting these links will take you away from Cigna. Cigna may not control the content or links of non-Cigna websites.
WebAt Cigna, we believe in providing end-to-end maternity coverage. Right from the time you are pregnant till the time you are healthy again after childbirth, you can rely on our . WebIndividual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare . WebWe care about the health and well-being of our members and provide access to preventive care and patient education. Cigna provides women's health preventive care benefits for female participants in our managed care (Network, POS, EPO, and PPO) plans. .