Indemnity
Plan Highlights
- No provider network
- Self-directed (no primary care physician required)
- No referral required
- Cigna customer responsible for obtaining precertification for hospital admissions
- Cigna customer responsible for filing claims
- Deductible and coinsurance listed on member ID card
Maximum Choice
The Cigna HealthCare indemnity plan allows plan participants to visit any medical care practitioner. Indemnity plan participants don't choose a primary care physician (PCP) to coordinate their care and treatment. They also don't need a referral to see a specialist.
Your patients with this Cigna coverage pay the cost of the visit and, typically, are responsible for filing the claim for reimbursement. They’re also responsible for obtaining precertification for hospital admissions.
In addition to their indemnity plan, your patients with this coverage may also have a Cigna Choice Fund® –an employer– or employee-funded account. They may use that account to pay for qualified health care expenses not covered by their medical plan.
Please contact us for more information about the Cigna HealthCare indemnity plan, or about how to become a participating Cigna health care professional.