Cigna Global Health Benefits
Mountaineers who work outside of their home country are eligible for Cigna Global Health Benefits coverage for all their health care needs. Cigna’s specialized health benefit services for you and your covered family members provide coverage wherever you are in the world.
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How to find a provider
Covered Mountaineers have access to the Cigna directory of nearly 1.7 million providers worldwide. While you can access care through any licensed provider of your choosing, by selecting a Cigna Network Provider, your costs may be lower and the provider may be able to settle your claim directly with Cigna.
There are two ways to find a provider:
1. Access the online directory of thousands of doctors, hospitals, clinics, and other providers through CignaEnvoy.com. Once on the Cigna Envoy home page, select 'Find a Provider' to begin your search.
2. Call the Cigna Global Service Center (24/7/365) by using the number on the back of your Cigna ID card.
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Manage your benefits with the Cigna Envoy® website and mobile app
Cigna Envoy is your personalized online health resource to help you get the most from your Cigna benefits. Once registered, you can:
Find nearby in-network doctors and hospitals
Submit and track claims
Access global telehealth
Assess all aspects of your health through the Health Risk assessment tool
Access the Employee Assistance Program
Participate in online lifestyle management programs such as nutrition, sleep, and resilience
Update personal information and communication preferences
Learn how to download the Cigna Envoy mobile app and log in [LINK TO CIGNA PDF]
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Manage your health with the Cigna Wellbeing® App
Connect to better health with the Cigna Wellbeing App and discover:
Health assessments in key areas that affect your wellness.
Wellness tips, recipes, articles, and more.
Wellness Coaching through videos.
Health management of chronic conditions.
Employee Assistance Program—real time access directly through the app
Learn how to download the Cigna Wellbeing mobile app and log in [ CIGNA PDF ?]
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Where to go for care
Virtual care anytime
Access Global Telehealth for virtual health care any time through the Cigna Envoy and the Cigna Wellbeing apps. Global Telehealth offers:
Same day consultations with a doctor by phone (available in multiple languages) or with video consultations (available in English or Spanish) between 3:00 am – 5:30 pm ET, all from the comfort of your home or office.
Consultations and diagnoses for non-emergency health issues.
Prescriptions for common health concerns when appropriate and where available.
Discussions about medication plans.
In-person emergency care
Should something life-threatening happen, visit the nearest hospital and contact Cigna’s global service center immediately. Cigna’s service center professionals will help you get the emergency assistance you need. From ground transportation and translators to finding a specialist and facilities, Cigna is here to help.
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How to access your coverage and pay for care
1. Present your Certificate of Coverage to any in-network provider.
You can access your Certificate of Coverage via the Cigna Envoy® website. All you need to do is follow these simple steps:
Log into CignaEnvoy.com
Click on 'Toolkit'
Select 'Documents', then click on 'Certificate of Insurance'
Your Certificate of Coverage will auto-generate based on your reported work location and will include your coverage details and any dependents covered under your plan, when applicable.
If you have any questions, contact Cigna’s Global Service Center by calling the number on your Cigna ID card.
2. Present your Guarantee of Payment to any out-of-network provider.
When visiting an out-of-network provider, a Guarantee of Payment (GOP) assures payment directly to the provider for covered services. This helps prevent you from having to pay for services that would normally be covered under your plan. If your provider requests payment up front, ask them to contact Cigna to verify benefits and confirm payment of services on your behalf. You or your provider can request a GOP at any time by calling the number on your Cigna ID card.
Find out what information you need to get your Guarantee of Payment. [CIGNA PDF?]
3. File a claim for reimbursement.
Outside the U.S.
You may need to file a claim unless you visit a provider that has a direct pay arrangement or has obtained a guarantee of payment from Cigna. To find out if a provider has a direct pay arrangement, visit CignaEnvoy.com. Once you locate a provider look for a note that says, 'direct settlement may be available'. If so, all you need to do is present your ID card.
In the U.S.
If you receive care from one of Cigna’s in-network providers within the U.S., you do not need to submit a claim for reimbursement because we have direct pay arrangements with these doctors/hospitals. You are only responsible for paying any deductible, coinsurance, or copay amounts that are part of your plan. If you choose to seek care from an out-of-network provider, you may need to file a claim.
Learn how to file a claim for reimbursement. [CIGNA PDF?]
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Additional services
Cigna Global Health Benefits helps you take care of issues that go far beyond health when you’re working outside your home country. For example, our concierge and travel assistance services provide:
Information on how to recover or replace lost documents like passports and credit cards.
Coordination of emergency travel arrangements for family members who escort another family member to the hospital.
Personal emergency telephone translation services.
Help finding the right doctor or hospital closest to your location.
Help finding or replacing prescription medication.
Coordination of emergency travel arrangements for children under the age of 18 who are left unattended if a family member becomes sick.
Help obtaining necessary documents for medical claims.
Emergency medical evacuation arrangements.
You also have access to the Decision Support Program, which provides:
Support for serious medical issues to make informed decisions about diagnosis and treatment options available to you.
An expert opinion on diagnosis and treatment already suggested; it is not for establishing medical necessity. The program is voluntary; you must give consent for your medical records to be shared with the third party service provider and the process to be activated.
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Cigna Health and Well-being Assessment
Cigna supports you to live a healthy and productive life. So even if you’re in perfect health, taking Cigna’s Health and Well-being Assessment can provide information to help you stay that way.
It’s a simple online questionnaire that only takes 15 minutes to complete. The assessment is available in more than 20 languages and cultural adaptations. You will answer questions that are relevant to your current situation and where you’re doing great – and where there’s room for improvement. It covers everything from sleep and health problems to stress levels and job satisfaction. It’s thorough, yet easy to do.
Once you complete it, you will receive a personalized report on your health and get information on how to help you feel and live even better. Your personal results are confidential and are not shared with your employer.
To take your personal Health and Well-being Assessment:
1. Go to CignaEnvoy.com.
2. Click the 'Health and Well-being' tab at the top of the home page.
3. Click the 'Assess my Health' link.
4. Register and complete the assessment.
When you are finished, the customized report will help you find out what you’re doing right, discover areas of improvement, and offer suggestions for current issues.
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CIGNA Coverage Details
CIGNA Global Medical Plan International (outside of the U.S.) U.S. In-Network U.S. Out-of-Network Area of coverage Worldwide U.S. medical network OAP Eligibility Refer to eligibility definition in the certificate Lifetime maximum Unlimited Calendar year deductible
Per individual
Per family
$0
$0
$0
$0
$0
$0Coinsurance 100% 100% 100% Out-of-pocket maximum
Per individual
Per family
$0
$0
$500
$1,000
$1,500
$3,000International (outside of the U.S.) U.S. In-Network U.S. Out-of-Network Physician's Services
Physician's Office Visit
Surgery Performed in the Physician's Office
100%
100%
100%
100%
80%
80%Preventive care
Routine Preventive Care – Adult
Immunizations - Adult
Routine Preventive Care – Child
Immunizations - Child100%
100%
100%
100%100%
100%
100%
100%100%
100%
100%
100%Travel immunizations 100% 100% 100% Mammograms, PSA, PAP Smear, and Colorectal Cancer Screenings 100% 100% 100% Inpatient Hospital
Inpatient Hospital - Facility Services (Limited to the Semi-Private Room Rate)
Inpatient Hospital Physician Visits/ Consultations
100%
100%
100%
100%
80%
80%Inpatient Professional Services (Surgeon, Radiologist, Pathologist, Anesthesiologist) 100% 100% 80% Outpatient Services
Outpatient Facility Services
Outpatient Professional Services
100%
100%
100%
100%
80%
80%Emergency Room 100% 100% 100% Urgent Care Services 100% 100% 80% Ambulance 100% 100% 100% Laboratory Services
Physician Office Visit
Outpatient Facility
Laboratory Services at an Independent Lab Facility
100%
100%
100%
100%
100%
100%
80%
80%
80%Radiology Services
Physician Office Visit
Outpatient Facility
100%
100%
100%
100%
80%
80%Advanced Radiology (i.e., MRIs, MRAs, CAT Scans, PET Scans)
Physician Office Visit
Inpatient Facility
Outpatient Facility
100%
100%
100%
100%
100%
100%
80%
80%
80%Outpatient Therapy Services
Physician Office Visit
Outpatient Hospital Facility100%
100%100%
100%80%
80%
Calendar Year Maximum 60 Days for all Therapies Combined The limit is not applicable to Mental Health and Substance Use Disorder conditions. Note: The Outpatient Therapy Services maximum does not apply to the treatment of Autism Includes: Cardiac and Pulmonary Rehab, Speech, Occupational and Cognitive Therapy Outpatient Therapy Services - Physical Therapy/ Physiotherapy
Physician Office Visit
Outpatient Hospital Facility100%
100%100%
100%80%
80%
Calendar Year Maximum Unlimited for all Therapies Combined Maternity Care Services
Initial Visit to Confirm Pregnancy100% 100% 80% All subsequent Prenatal Visits, Postnatal Visits, and Physician's Delivery Charges (i.e. global maternity fee)
Physician's Office Visits in addition to the global maternity fee when performed by an OB/GYN or Specialist
Delivery – Facility
Inpatient Hospital
Birthing Center100%
100%
100%100%
100%
100%80%
80%
80%Infertility Services Diagnosis of Infertility is covered under general Physician Office Visits.
Coverage will be provided for the following services:- GIFT, ZIFT, etc.,
- In-vitro
- Artificial Insemination
Physician Office Visit and Counseling
Lab and Radiology Tests
Inpatient Facility
Outpatient Facility
100%
100%
100%
100%
100%
100%
100%
100%
80%
80%
80%
80%
Hearing Exam
1 Exam Every 24 Months100% 100% 80% Hearing Device/Aids
Limited to Dependent Children Under 24 Years
1 Per Ear Every 36 Months up to $1,000100% 100% 80% Mental Health
Physician Office Visit
Inpatient Facility
Maximum: (combined with Substance Use Disorder)
Outpatient Facility
Maximum: (combined with Substance Use Disorder)
100%
100%
Unlimited
100%
Unlimited
100%
100%
Unlimited
100%
Unlimited
80%
80%
Unlimited
80%
UnlimitedSubstance Use Disorder
Physician Office Visit
Inpatient Facility
Maximum: (combined with Mental Health)
Outpatient Facility
Maximum: (combined with Mental Health)
100%
100%
Unlimited
100%
Unlimited
100%
100%
100%
80%
80%
80%
Important Note on Mental Health & Substance Use Disorder Coverage: Covered medical services listed above, which are received to diagnose or treat a Mental Health or Substance Use Disorder condition, will be payable according to the sections titled "Mental Health" and "Substance Use Disorder".
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CIGNA Prescription Drug Benefits
CIGNA Prescription Drug Benefits International (Outside of the U.S.) Purchased outside the United States No charge, not subject to plan deductible Certain preventive care medications covered under this plan and required as part of preventive care services (detailed information is available at www.healthcare.gov) are payable at 100% with no copayment or deductible, when purchased from a Network Pharmacy. A written prescription is required. Purchased Inside the United States Only Benefit Highlights Network Pharmacy (U.S. In-Network) Non-Network Pharmacy (U.S. Out-of-Network) Prescription Drug Products at Retail Pharmacies The amount you pay for up to a consecutive 30-day supply Tier 1 - Generic Drugs on the Prescription Drug List No charge after you pay the $5 copay In-Network Coverage Only Tier 2 – Brand Drugs designated as preferred on the Prescription Drug List No charge after you pay the $30 copay In-Network Coverage Only Tier 3 – Brand Drugs designated as non-preferred on the Prescription Drug List No charge after you pay the $90 copay In-Network Coverage Only Prescription Drug Products at Home Delivery Pharmacies The amount you pay for up to a consecutive 90-day supply Tier 1 - Generic Drugs on the Prescription Drug List No charge after you pay the $15 copay In-Network Coverage Only Tier 2 – Brand Drugs designated as preferred on the Prescription Drug List No charge after you pay the $90 copay In-Network Coverage Only Tier 3 – Brand Drugs designated as non-preferred on the Prescription Drug List No charge after you pay the $270 copay In-Network Coverage Only
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CIGNA Global Vision Plan
CIGNA Global Vision Plan International (outside of the U.S.) U.S. In-Network U.S. Out-of-Network Examinations
One every 24 consecutive months100% 100% Lenses and Frames or Contacts
One every 24 consecutive months100% 100% Exam Maximum Benefit Unlimited Hardware Maximum Benefit $250
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CIGNA Global Dental Plan
CIGNA Global Dental Plan Calendar Year Maximum
Combined for: Class I Class II Class III$1,500 Lifetime Class IV Maximum $1,500 Calendar Year Deductible
Combined for: Class II Class III$50 Per Person Class I Preventive Care
For diagnostic and preventative services including:
Oral Exam - 2 Per Person Per Year
Cleanings - 2 Per Person Per Year
Bitewing X-rays - 2 Per Person Per Year
Fluoride Applications - 1 Per Person Per Year (Up to age 19)
Sealants - 1 Treatment per Posterior Tooth per 3 Years
Diagnostic X-rays – Unlimited
Full Mouth / Panoramic X-rays - 1 Per Person Per 3 Years100% not subject to deductible Class II Basic Restorative
For Basic Restorations including:
Endodontics
Periodontics
Prosthodontics Maintenance
Oral Surgery
Fillings
Root Canal
Periodontal Scaling and Root Planing
Repair to Bridgework and Dentures80% after deductible Class III Major Restorative
For Major Restorations including:
Dentures
Bridgework
Crowns50% after deductible Class IV Orthodontia
Children under 19 Years50% not subject to deductible
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CIGNA Global Evacuation Plan
CIGNA Global Evacuation Plan Toll Free Telephone Number 1-800-441-2668 Emergency Medical Evacuation 100% of covered expenses for approved services Family Travel Arrangements Roundtrip Airfare at Economy Rates to the place of hospitalization for 1 Family Member for hospitalizations in excess of 7 Days Return of Dependent Children One-way Airfare at Economy Rates to return dependent children to country of residence Repatriation of Mortal Remains 100% coverage
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Contact
For information and support, visit CignaEnvoy.com or call 1-800-441-2668.