Submitting expenses and claims is easy. Here’s how:
Typically, there is no need to submit claims. Read more about how to submit claims.
If you go to a doctor or hospital that’s out-of-network you will have to pay a larger portion of your bill.
The plan’s payments to out-of-network providers are determined based on the lesser of:
- the normal charge for a similar service or supply,
- or a percentile of charges made for a service or supply in the geographic area where it is received.
You may be billed for difference between your provider’s normal charge and the Maximum Reimbursable Charge as determined by the plan, in addition to applicable deductibles, copays and coinsurance. Out-of-network services are subject to a deductible and maximum reimbursable charge limitations.
You should submit a copy of the itemized bill from your health care provider along with a completed medical claim form to the Cigna address on your ID card. You can find claim forms on mycigna.com. You only need to fill out this form if your provider isn't filing the claim for you. Cigna must receive your claim within 180 days from the date you received the service.
Swipe and save with the YSA debit card
If you contribute $150 or more to your Health Care Flexible Spending Account, you will receive a Your Spending Account™ (YSA) debit card that you can use to pay for most eligible health care expenses. The amount is automatically deducted from your account. But always save your receipts. In many cases, you will still have to submit receipts for verification.
If you do not have a debit card, just pay for the expenses, keep a receipt, and submit a claim for reimbursement.
Keep track of your expenses
Save your receipts, itemized invoices, and the explanation of benefits (EOB) statements that you receive from your health plan. You will need this documentation when you submit claims for reimbursement and verification.