International Plan - Medical Benefits

The myCigna mobile app allows you to:

• Submit Claims and follow its status
• See what is covered under your plan
• Locate health providers near you or schedule a virtual doctor visit
• Access your ID Card

Download the app on your phone or tablet to ease access to services:  Apple iOS / Google Android

For a list of in-network providers in the US, please explore the myCigna App or mycigna.com

Insurance companies in the U.S. work within a ‘network’ of providers and facilities. Make sure your provider and facility are both in Cigna Healthcare’s network to:

1. Pay less co-pay
2. Avoid paying extra towards the out-of-network deductible
3. Avoid paying extra if the facility charges more than the Maximum Reimbursable Charges (MRC) for your procedures, previously known as Reasonable and Customary (R&C).

Out-of-network providers generally:

1. Charge higher rates and co-pays than in-network providers.
2. Charge a deductible before the Program pays any benefits.
3. Request you to pay for your services out of pocket and then file a claim with Cigna Healthcare for reimbursement.

Medical care

If you are traveling outside the U.S. and require medical care, you may visit any medical provider you choose. However, it is recommended that you use Cigna Global network providers where possible. For low-cost services (under $400), you will be required to pay out of pocket for the service and file a claim for reimbursement. For more costly care, you should always request a one-time Guarantee of Payment (GOP) prior to seeking services by contacting Cigna Global (Please see the next section for detailed instructions on how to request a GOP). They will attempt to place a GOP with your desired provider. 

If the GOP is accepted by the provider, the provider will bill Cigna Global for the services you receive. If the provider does not accept a GOP, you will be required to pay out of pocket for your service and file a claim for reimbursement. More information.

It is recommended that you use Cigna Global network hospitals where possible. You can find these providers by logging into the Cigna Global website or mobile app. Cigna Global sends an activation email with login instructions when you are first enrolled in the Medical Benefits Program. If you need Cigna Global to resend this email, please call Cigna Global (U.S. toll-free phone: +1 800 297 9983 or x005577 from Microsoft Teams).

Emergencies

In an emergency, you should go directly to the most appropriate physician and/or hospital and contact Cigna Global as soon as possible. If necessary, a family member or other representative may contact Cigna Global on your behalf.

For Medical Care or GOPs in Argentina and Venezuela 

Members receiving medical services in Argentina and Venezuela will need to contact MDAbroad for questions regarding your benefits, medical care and guarantees of payment (GOPs). Please note that reimbursements of any expenses paid out of pocket will still be paid by Cigna Global and members should file claims with Cigna Global.

To reach MDAbroad at the exclusive lines for Cigna Global members to receive care, understand how to navigate the in-network provider options or to request a GOP in Argentina and Venezuela, please call:

• Argentina: 11 3989 3251
• Venezuela: 800 102 9310 (toll-free number only within Venezuela)
• Outside of Argentina or Venezuela: +1 786 313 5197 (this is a US number)

Alternatively, you can contact via email at: [email protected]

Cigna Global coordinates the GOP process. If you choose to visit a provider outside the U.S. to receive services that will cost more than $400 with a provider that is in-network with Cigna Global, you may request a one-time Guarantee of Payment prior to seeking services by using the Cigna Global website or emailing [email protected] for non-emergency care. For planned procedures, it is required to request the GOP at least two weeks in advance. For emergency GOPs, call: +1 800 297-9983 (within the United States) or + 32 3 293 1859 (outside of the United States). 

If you are unsure whether a provider is in- or out-of-network, please check the provider search on the Cigna Global website or mobile app. Cigna Global typically will issue your GOP within 48 hours for non-urgent procedures and within two hours for emergencies if the GOP is requested by phone once all the required information is received. 

If the GOP is accepted by the provider, the provider will bill Cigna Global for the services you receive. In the case of admissions for planned procedures, always request a GOP at least two weeks in advance so you will know in advance if the provider will bill Cigna Global or if you will be required to pay and file a claim.

Detailed Instructions for Requesting a GOP

If You are Planning a Hospital Admission

In an emergency, you should go directly to the most appropriate physician and/or hospital. Then, as soon as possible, you or your representative should notify Cigna Global of your status at +1 800 297-9983 (within the United States) or + 32 3 293 1859 (outside of the United States).

Please visit Cigna Healthcare's website (mycigna.com) or mobile app to request a new card, print a physical card or obtain a digital one.

Out-of-Network (OON) in the U.S.
If you go out-of-network in the U.S., there are several ways to submit your reimbursement claims to Cigna Healthcare: online, by fax or through postal mail. All Cigna Healthcare Claim Forms. You do not need to file a claim form when you go in-network as in-network claims are automatically sent by the provider to Cigna Healthcare.

To help the claim and reimbursement process go smoothly:

• When you pay for your procedure at an OON U.S. provider, always be sure ask for a “Superbill” as your receipt for payment. This document typically contains the detailed provider information necessary for Cigna Healthcare to process your claim.
• For online submissions, you must submit scanned copies of any supporting documentation with your claim form. For fax and postal mail submissions, you must submit paper copies of any supporting documentation with your claim form.
• Be sure to keep copies of your itemized bills, detailed receipts, and other claim-supporting documents in case they are needed for verification purposes
• Include your member ID number on each document submitted with your claim.
• Check to make sure that the documentation from your provider includes all of the following information, or include it yourself when completing the claim process online; or when completing a paper claim to fax or mail. Make sure to provide all necessary supporting documents, including original, scanned, or photographed itemized bills or detailed receipts, certificates, and medical reports as applicable.

For OON services in the U.S., you must include:
 1.   The primary member name, including Cigna ID number 

2.   Please be sure the detailed invoice/receipt you are submitting includes: 

• Date of service (mm/dd/yyyy)
• Patient first and last name
• Procedure code (CPT/HCPCS code)
• Billed amount
• Provider, hospital or facility name
• Provider, hospital or facility address
• Health care professional Tax ID number (TIN, NPI or license number)
• Diagnosis code (ICD10 format)

3. Proof of payment (e.g., credit card or other receipt) if the invoice from the provider does not show “amount paid” with a zero balance.

How to Submit a U.S. OON Claim through mycigna.com or mycigna app
When you are ready to submit your claim through the mycigna website, just log in from your computer, smartphone, or tablet and follow these steps:

1. Log in to the mycigna website (If you have not yet registered in mycigna, you must follow the registration steps to create your account before submitting claims)
2. Hover over the “Claims” tab at the top of the page
3. Click “Submit a Claim Online” in the drop-down menu
4. Select the coverage type related to your claim, generally “Medical or Behavioral Health”
5. Upload claim documents by clicking “Upload” NOTE: On your mobile phone, you can click on “take photo” to take photos of the documents you want to upload, or choose to upload a saved photo or saved file.
6. Identify who the claim is for, whether the claim is related to an accident, whether the patient is covered by Medicare, and whether the patient has other insurance
7. Authorize Cigna to pay the member (use this if you paid) or the provider and certify your claim submission
8. Name your claim for your own reference purposes
9. Choose your file and then click “Submit Claim”

Visit the following document for more information: How to File a Medical Claim to Cigna Healthcare Online

How to Submit a U.S. OON Claim to Cigna Healthcare through Postal Mail
You need to include:
•    A legible copy of the invoice from the provider
•    A copy of your proof of payment
•    Completed claim form 
Mail your claim and supporting documentation to the address on your ID card, which is:

Cigna Medical Claims
P.O. Box 182223
Chattanooga, TN 37422-7223 
 

How to Submit a U.S. OON Claim to Cigna Healthcare through Fax
You need to include in your fax:
•    A legible copy of the invoice from the provider
•    A copy of your proof of payment
•    Completed claim form
 Send your claim form and supporting documentation to: Fax number: (866) 370-8574

Services Received Outside the U.S.
Services incurred outside the U.S. in 2026 and after will need to be reimbursed through the Cigna Global website. Services incurred in 2025 should still be emailed to [email protected] with all required documentation. Cigna Global sends an activation email with login instructions when you are first enrolled in the Medical Benefits Program. If you need Cigna Global to resend this email, please call Cigna Global (U.S. toll-free phone: +1 800 297 9983 or x005577 from Microsoft Teams). 

You can submit a claim for services you paid out of pocket through the Cigna Global website or mobile app or by postal mail. Claims cannot be filed via email. This is the claim form. Cigna Global uses the same form for all types of claims.

Please note that Cigna Global has provided a U.S. address to mail your claim documents:

Cigna Claim Processing
P.O. Box 451989
Sunrise, Florida 33345

You may also submit claims to the Belgium address on the claim form:

Cigna Claim Processing
P.O. Box 69, 
2140 Antwerpen, Belgium

To help the claim and reimbursement process go smoothly:

• Make sure to provide all necessary supporting documents, including original, scanned, or photographed itemized bills or detailed receipts, certificates, medical reports, and prescriptions as applicable
• Keep copies of your itemized bills, detailed receipts, and other claim-supporting documents in case they are needed for verification purposes
• Include your member ID number on each document submitted with your claim form
• Provide complete details on the description of the service and the reason for the visit
• Indicate the country and currency you would like to be reimbursed in. You may elect to be reimbursed in U.S. dollars or the currency of the country where you currently reside. No other options will be approved for IDB Group members. You can select your currency choices in your Cigna Health Benefits profile, so you do not have to enter this information with each claim.

How to Submit a Claim through the Cigna Global Website

1. Log in to the Cigna Global website (www.cignahealthbenefits.com)
2. Click “Claims” in the menu bar
3. Click the “Submit a claim” button
4. Select the member who received care in the drop-down menu and identify whether that member is covered by other insurance and whether the claim is related to an accident
5. Click the “Next Step” button
6. Add the invoice date, amount, type of care, and country in which care was given
7. Click the “Next Step” button
8. Use the “Choose files” button to add your claim documents (make sure you also add any supporting documents, such as prescription, proof of payment, etc., if required)
9. When you are finished adding documents, click “Save this invoice”
10. On the next screen, review the summary of your claim information to ensure it is correct and then click “Submit claim”

Visit the following documents for more information:

• How to File a Claim online
• Example of an EOB

In a medical emergency, seek medical care and then contact Cigna Healthcare using the number on the back of your ID card if you need assistance.

There are more resources for whenever you need assistance while traveling on official mission travel (including personal travel for up to 14 days when in conjunction with official mission travel). These include identity theft, travel medical aid, and emergency travel aid for all staff.

Please review the information provided on the Travel Portal on the ePortal. Contact information is as follows:
 

AIG Travel Guard

• Policy Number: 9157200
• Toll-Free/Free Phone (within the U.S.): 1-877-244-6871
• Collect/Reverse Charge (outside the U.S.): +1-715-346-0859

Hinge Health provides personalized care plans and coaching to help you overcome nagging pain, recover from recent injuries, prepare for surgery, address pelvic health issues, or find new strategies to stay healthy and pain free. Their exercise therapy programs are designed to treat muscle and joint issues from head to toe, including back, knee, pelvic pain and more. Hinge Health will assess your condition and match you to a care team to help personalize your treatment.

Their programs are available to you and your eligible 18+ dependents at no cost to you - 100% covered by the IDB Group. 

To learn more and see how Hinge Health can help you, visit hinge.health/idbgroup-enroll. 

If you have any questions, contact Hinge Health at (855) 902-2777 or [email protected]. 

Additional Information

Hinge Health Webinar Recording for IDB Members | Presentation

What is Hinge Health?

Pelvic Health Program for Women

Your Go-to Health Care Resource, Anytime, Anywhere

While there are still times when it makes sense to reach out to Cigna Healthcare, Express Scripts or Carrot directly, the Medical Benefits Program is partnering with Health Advocate to give members in the U.S. access to personalized expert care and support to take control of your health and well-being. Their advocates are another option to help you with health care and insurance questions. They work one-on-one with you to guide you to the right resources and answer your questions, giving you peace of mind that you’re on the right track. They’re here for you for any issue, start to finish, every time. No issue is too complex and the service is completely confidential. 

Health Advocate can help you:

• Get answers to your insurance questions; resolve claims and billing issues
• Find in-network doctors and specialists for your specific needs; make appointments, and transfer medical records
• Know your coverage, deductibles, copays, and out-of-pocket costs
• Understand medical conditions and diagnoses; feel confident that your medical care and treatment are on track
• Explore the latest treatment options; get second opinions
• Help with claims and appeals
• Watch this special webinar for IDB members to learn more: Presentation PDF | Recording
• Learn more

Health Advocate supports the whole family

Health Advocate services are available to you, your spouse, dependents, parents, and parents-in-law.

We feel confident that Health Advocate is the best partner to help you and your family. At the heart of their service is conversations with compassionate, knowledgeable advocates whose goal is to make your life happier, healthier, and easier.

Contact Health Advocate

Connecting with Health Advocate is easiest online or through the mobile app. You can quickly chat with an advocate, access tools and resources for better health, and learn all about your Health Advocate services and they many ways they support your well-being.

Website: www.HealthAdvocate.com/idbgroup

Phone Number: 866-695-8622

Customer Code: IDBGROUP

E-mail: [email protected]

Smartphone App: Health Advocate Apple iOS / Google Android

General

• Finding Care for Cigna Healthcare Members (prepared by IDB)
• Step by Step to myCigna
• Cigna Virtual Care
• Visana Virtual Women’s Health Clinic
• Heartbeat Health Virtual Cardiovascular Care
• Oshi Health Virtual Digestive Care
• Hearing Aid Program: Start Hearing
• Cigna Healthy Pregnancies, Healthy Babies program
• Cigna’s Healthy Rewards Program
• Cigna Preventive Care Guide
• Active and Fit Direct Savings Program from Cigna
• Authorization of Personal Health Information (PHI)
• My Personal Champion Gender Affirmation Support Program

Behavioral Health

• How to find a Behavioral Health Provider on myCigna
• Total Behavioral Health Flyer (Cigna Healthcare)
• Ginger – Mental Healthcare
• Getting started with Talkspace
• Total Behavioral Health Customer Flyer
• Happify Customer Flyer
• Accessing the correct Happify app
• National Behavioral Health Resources

Claims

• How to File a Medical Claim to Cigna Healthcare Online
• Direct Deposit for OON Medical and Dental Claims
• Claim Forms for US Medical/US Dental/US Vision on mycigna.com
• To File Claims for Services Outside the US with Cigna Global: How to / Cigna Global Website

Call Cigna Global at the phone number on the front of your ID card to find in-network providers in the U.S. Puerto Rico. Important Information about receiving care in the U.S. or Puerto Rico

To find an in-network provider in your country of residence, you can use the provider search feature on the Cigna Health Benefits website or mobile app, or you can call the number on the front of your Cigna Global ID card. If you are outside your country of residency and require medical care, use the phone number on the front of your card to find providers in the U.S., Puerto Rico, or other countries.

Using your Cigna Global ID card on a “flash-the-card” basis/Direct Payment/Provider search

If you use the Cigna Global Website Provider Search on the Cigna Health Benefits website, you will see columns with checkmarks indicating these three categories of providers. Please take note of these categories so you can be prepared in advance for any services you may need:

1. Direct payment to the provider for inpatient care (including outpatient surgery). If your service will cost less than US$400, you should be able to show your Cigna ID card and the provider will bill Cigna Global directly. If the service or procedure will cost more than US$400, the provider should request a GOP from Cigna Global. You may also initiate the GOP request yourself through your Cigna Global website. 
2. Direct payment to the provider of outpatient care. These providers will work on a “flash the card” basis. However, for very low dollar value services, you will be expected to pay out of pocket and file for reimbursement. You can click on the provider’s name in your search results to verify the Direct Payment “as from amount” below which you will be expected to pay out of pocket, and over which you should be able to use “flash the card” and the provider will bill Cigna Global directly for your service or procedure.  
3. Price agreement (e.g., preferential rates, discounts on specific services, prompt payment discounts, etc.). At these providers, you will be expected to pay out-of-pocket for out-patient services and submit a claim for reimbursement, however because Cigna has negotiated rates or discounts, your coinsurance amount will typically be lower.

Members receiving medical services in Argentina and Venezuela will need to contact MDAbroad for questions regarding your benefits, medical care and guarantees of payment (GOPs). Please note that reimbursements of any expenses paid out of pocket will still be paid by Cigna Global and members should file claims with Cigna Global.

To reach MDAbroad at the exclusive lines for Cigna Global members to receive care, understand how to navigate the in-network provider options or to request a GOP in Argentina and Venezuela, please call:

• Argentina: 11 3989 3251
• Venezuela: 800 102 9310 (toll-free number only within Venezuela)
• Outside of Argentina or Venezuela: +1 786 313 5197 (this is a US number)

Alternatively, you can contact via email at: [email protected]

If you choose to visit a provider outside the U.S. or Puerto Rico that is out-of-network with Cigna Global, you may request a one-time Guarantee of Payment prior to seeking services by using the Cigna Health Benefits website or emailing [email protected] (for non-emergency care) or by calling the number on the front of your ID card (in emergencies). If you are unsure whether a provider is in- or out-of-network, please check the provider directory on the Cigna Health Benefits website or mobile app. Cigna Global typically will issue your GOP within 48 hours for non-urgent procedures and within two hours for emergencies if the GOP is requested by phone.

If the GOP is accepted by the provider, the provider will bill Cigna Global for the services you receive. In the case of admissions for planned procedures, always request a GOP so you will know in advance if the provider will bill Cigna Global or if you will be required to pay and file a claim.

• Detailed Instructions for Requesting a GOP
• Planning Hospital Admission

In an emergency:

• You should go directly to the most appropriate physician and/or hospital.
• Then, as soon as possible, you or your representative should notify Cigna Global of your status.

Use the phone number on the front of your ID card or the contact information of the appropriate network partner on this page.

Please visit Cigna Global’s website cignahealthbenefits.com or app to request a new card, print a physical card or obtain a digital one.

You can submit a claim for services you paid out of pocket through the Cigna Health Benefits website or mobile app or by postal mail. Claims cannot be filed via email. This is the claim form. Cigna Global uses the same form for all types of claims.

Please note that Cigna Global has provided a U.S. address to mail your claim documents:
Cigna Claim Processing
P.O. Box 451989
Sunrise, Florida 33345

You may also submit claims to the Belgium address on the claim form.
Cigna Claim Processing
P.O. Box 69, 
2140 Antwerpen, Belgium

To help the claim and reimbursement process go smoothly:

• Make sure to provide all necessary supporting documents, including original, scanned, or photographed itemized bills or detailed receipts, certificates, medical reports, and prescriptions as applicable.
• Keep copies of your itemized bills, detailed receipts, and other claim-supporting documents in case they are needed for verification purposes.
• Include your member ID number on each document submitted with your claim form.
• Provide complete details on the description of the service and the reason for the visit.
• Indicate the country and currency you would like to be reimbursed in. You may elect to be reimbursed in U.S. dollars or the currency of the country where you currently reside. No other options will be approved for IDB Group members. You can select your currency choices in your Cigna Health Benefits profile, so you do not have to enter this information with each claim.

How to Submit a Claim through the Cigna Global Website

1. Log in to the Cigna Health Benefits website (www.cignahealthbenefits.com)
2. Click “Claims” in the menu bar
3. Click the “Submit a claim” button
4. Select the member who received care in the drop-down menu and identify whether that member is covered by other insurance and whether the claim is related to an accident
5. Click the “Next Step” button
6. Add the invoice date, amount, type of care, and country in which care was given
7. Click the “Next Step” button
8. Use the “Choose files” button to add your claim documents (make sure you also add any supporting documents, such as prescription, proof of payment, etc., if required)
9. When you are finished adding documents, click “Save this invoice”
10. On the next screen, review the summary of your claim information to ensure it is correct and then click “Submit claim”.

Visit the following documents for more information:

• How to File a Claim online
• Example of an EOB
   

In a medical emergency, seek medical care and then contact Cigna Global using the number on the front of your ID card if you need assistance.

There are more resources for whenever you need assistance while traveling on official mission travel (including personal travel for up to 14 days when in conjunction with official mission travel). These include identity theft, travel medical aid, and emergency travel aid for all staff.

Please review the information provided on the Travel Portal on the ePortal. Contact information is as follows:
 

AIG Travel Guard

• Policy Number: 9157200
• Toll-Free/Free Phone (within the U.S.): 1-877-244-6871
• Collect/Reverse Charge (outside the U.S.): +1-715-346-0859
• Email: [email protected]

General

• Finding Care for Cigna Global Members (prepared by IDB)
• How to Ensure Coverage with Cigna Global
• EPS Service for Drugs Not Available Locally
• Apps and Telehealth
• In Case of an Emergency
• Cigna Health Benefits+ app Guide
• Membership ID Card Flyer
• Planning Hospital Admission
• How Telehealth works
• Preventive health screening
• Authorization for Disclosure of Medical Information
• Authorization for Release of Medical Information

Claims

• Online Claiming Tool
• Medical Claim Form (Cigna Global)
• Example of an EOB