7 Cigna Tricks To Save Time

Cigna, one of the largest health insurance companies in the United States, offers a wide range of services and tools to help its customers manage their health and wellness. However, navigating the complexities of health insurance can be time-consuming and frustrating. In this article, we will explore 7 Cigna tricks to save time, providing you with practical tips and strategies to make the most out of your Cigna health insurance plan.

Understanding Your Cigna Plan

Before we dive into the time-saving tricks, it’s essential to understand the basics of your Cigna plan. Cigna offers various types of health insurance plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. Each plan has its unique features, benefits, and limitations. Familiarizing yourself with your plan’s specifics will help you make informed decisions and avoid unnecessary delays. For instance, if you have an HMO plan, you’ll need to choose a primary care physician (PCP) who will coordinate your care and refer you to specialists when needed.

Trick 1: Use the Cigna Website and Mobile App

The Cigna website and mobile app are designed to provide you with easy access to your health insurance information, claims, and benefits. By using these digital tools, you can streamline your health insurance management, reducing the time spent on phone calls and paperwork. The Cigna website and mobile app allow you to:

• View your claim status and explanation of benefits (EOB)
• Check your deductible, copay, and coinsurance balances
• Find in-network doctors, hospitals, and pharmacies
• Access your digital ID card and print a temporary card if needed

Trick 2: Take Advantage of Cigna’s Telehealth Services

Cigna’s telehealth services, also known as virtual care, allow you to connect with healthcare professionals remotely, reducing the need for in-person visits. This can be especially useful for non-urgent medical issues, such as colds, flu, or minor injuries. By using telehealth services, you can:

• Save time and money on transportation and wait times
• Reduce the risk of exposure to illnesses in waiting rooms
• Access care from the comfort of your own home or office

For example, Cigna's Amwell telehealth platform provides 24/7 access to board-certified doctors and therapists. You can use your computer, tablet, or smartphone to connect with a healthcare professional and receive treatment, including prescriptions, if needed.

Trick 3: Use Cigna’s Online Chat and Phone Support

Cigna’s online chat and phone support services are available to help you with any questions or concerns you may have about your health insurance plan. By using these services, you can:

• Get answers to your questions quickly and efficiently
• Avoid waiting on hold or playing phone tag
• Access support ²⁴⁄₇, including evenings and weekends

For instance, Cigna's online chat service allows you to communicate with a customer service representative in real-time, reducing the need for phone calls or emails. You can also use the phone support service to speak with a representative directly, especially for more complex issues or concerns.

Trick 4: Leverage Cigna’s Wellness Programs and Discounts

Cigna offers various wellness programs and discounts to help you maintain a healthy lifestyle and reduce your healthcare costs. By taking advantage of these programs, you can:

• Access discounts on gym memberships, fitness classes, and wellness services
• Participate in health coaching and disease management programs
• Earn rewards and incentives for achieving health milestones

For example, Cigna's Healthy Rewards program provides discounts on healthy foods, fitness classes, and wellness services. You can also participate in Cigna's Health Coaching program, which offers personalized guidance and support to help you achieve your health goals.

Trick 5: Use Cigna’s Pharmacy Services

Cigna’s pharmacy services are designed to help you manage your prescription medications and reduce your out-of-pocket costs. By using these services, you can:

• Order prescription medications online or by phone
• Access discounts on prescription medications
• Get personalized medication counseling and support

For instance, Cigna's Home Delivery Pharmacy service allows you to order prescription medications online or by phone and have them delivered directly to your home. You can also use Cigna's Pharmacy Locator tool to find in-network pharmacies and compare prices on prescription medications.

Trick 6: Take Advantage of Cigna’s Preventive Care Services

Cigna’s preventive care services are designed to help you maintain a healthy lifestyle and prevent illnesses. By using these services, you can:

• Access preventive care services, such as annual physicals and screenings
• Get recommended vaccinations and immunizations
• Participate in health risk assessments and screenings

For example, Cigna's Preventive Care program provides coverage for annual physicals, screenings, and vaccinations. You can also participate in Cigna's Health Risk Assessment program, which offers personalized recommendations and guidance to help you reduce your health risks.

Trick 7: Review and Update Your Cigna Plan Regularly

Finally, it’s essential to review and update your Cigna plan regularly to ensure that it continues to meet your changing healthcare needs. By doing so, you can:

• Ensure that your plan is up-to-date and accurate
• Make changes to your plan as needed, such as adding or removing dependents
• Take advantage of new benefits and services offered by Cigna

For instance, you can review your plan during open enrollment periods, which typically occur annually. You can also make changes to your plan outside of open enrollment if you experience a qualifying life event, such as getting married, having a baby, or losing coverage through your employer.