Cigna Medical Insurance Plans

Benefits

Cigna Plans Overview

Contact Information

Cigna Healthcare Phone: 800-244-6224

Benefits Health Advocates Phone: 866-799-2725 (Available 24/7)

Website: www.mycigna.com  or MyCigna App

Manage Your Health through myCigna

Your online account will be available once your eligibility is received by Cigna. myCigna gives you access to these features:

  • Search for in-network providers, procedures, cost estimates, and more.
  • See a list of your most recent claims, their status, and reimbursements.
  • Make sure your contact information is up-to-date so you don’t miss out on important notifications about your plan.

To enroll in myCigna:

  1. Visit www.mycigna.com using your computer or mobile device.
  2. Follow the registration instructions. You will need your DU ID or Cigna ID number (found on the front of your ID card).
  3. Start managing care for you and your family – find a doctor, schedule an appointment, transition your prescriptions and more.

Which Plan is Best for You?

The Copay Plan

  • Cover 100% of the cost for preventive care services like annual physicals and routine immunizations.
  • Set copays for less expensive and most utilized services and a coinsurance for higher cost and lesser utilized services.
  • Copays and coinsurance apply towards your annual out-of-pocket maximum. 
  • The plan splits higher costs services with you (80% paid by the plan and 20% paid by you) up to the out-of-pocket maximum.
  • If you reach your out-of-pocket maximum, all services are paid at 100% for the remainder of the year. 

The High Deductible Health Plan (HDHP)

  • Cover 100% of the cost for preventive care services like annual physicals and routine immunizations.
  • Tax-qualified plan for a Health Savings Account (HSA). With an HSA you are able to set aside pre-tax funds into an account to be used for qualified medical expenses. For more information on how your HSA works, please see the HSA Benefit Webpage.
  • You pay the full negotiated cost for medical services and prescription drugs until you meet your annual deductible (with the exception of preventive care which is covered at 100%).
  • There are no copays with the exception of prescription drugs (once your deductible has been met).
  • After the deductible is met, you and the plan share the costs (80% paid by the plan and 20% paid by you) until you reach the annual out-of-pocket maximum. If you reach your out-of-pocket maximum, all services are paid at 100% for the remainder of the year.

Cigna Local Plus Plan

If you live in the LocalPlus service area, you will have access to Cigna’s LocalPlus provider network. The LocalPlus network is designed to improve the quality of care that you receive from all of your medical providers. LocalPlus is designed to deliver cost-effective, quality care for today’s busy, on-the-go families. More providers make it easier to choose and use quality care. The LocalPlus provider network has roughly 5,000 primary care physicians and over 14,000 specialists in the Denver metro area alone. While traveling, or for dependents who live away from home and outside of the LocalPlus Network area, you will have full access to providers available through the Away From Home Care network. This feature provides coverage at the same in-network cost you would pay at home. There are no out-of-network benefits other than urgent and emergency care for the LocalPlus network. To find out if your doctor is a participating provider in the LocalPlus network, please visit Cigna’s website at www.cigna.com.

Click links below for more information about the Cigna Local Plus Plan Options and Summary of Benefits and Coverages:

Cigna Open Access Plan

If you do not live or work inside the LocalPlus service area, you have access to the Cigna Open Access Plus provider network. The OAP Network contains participating physicians nationwide. To find out if your doctor is a participating provider in the network, please visit Cigna’s website, www.cigna.com.

Click links below for Cigna Open Access Plan Summary and Coverage:

Cigna Prescription and Pharmacy Coverage

Click links below for information about prescription coverage and benefits:

Voluntary Accident and Critical Illness Insurance

Voluntary Accidental Injury Insurance

can provide you and your family with the additional financial protection you may need for expenses associated with an unexpected covered accident. While you can’t predict life’s unexpected events, you can plan for them by choosing benefits that can help protect your financial future. Regular expenses, big and small, can add up. Think about your ability to pay for those expenses if you or your family member were seriously injured in a covered accident. The plan pays benefits directly to you. What you do with the money is up to you. This benefit will pay a lump sum in the event of a covered accident.

Examples include:

  • Fractures
  • Dislocation
  • Surgery
  • Ambulance Transport
  • Coma
  • Burns
  • Laceration
  • X-Ray
  • And more

Voluntary Critical Illness Insurance

The University offers you the opportunity to purchase Critical Illness insurance on a voluntary basis to ease the financial impact of a major illness. If you or a covered family member is diagnosed due to an illness and meets the group policy and certificate requirements, you will receive a payment to use as you see fit. It can be used to help cover your health insurance deductibles, copays, incidental hospital charges (e.g. TV, phone, etc.) or for any purpose you choose. Critical Illness provides payments for illnesses such as organ/kidney failure, arteriosclerosis, carcinoma in situ, benign brain tumor, cancer, heart attack, stroke, etc.

For more information about the plans or to submit a claim, click links below:

Cigna MotivateMe Program

The University of Denver wants to assist you in achieving your health goals. When you get involved in wellness goals sponsored by the University through myCigna.com, you can earn up to $100 in a Visa gift card mailed to your address. Incentives are given for completing the following activities:

  • Health assessment
  • Biometric screening
  • Annual preventive exams
  • Pharmacy steerage
  • Digital Diabetes Prevention Program Coach by phone
  • And a variety of other healthy activities

For more information, visit our Cigna MotivateMe® Incentive Program webpage.

Additional Resources

Contact

 

Benefits Advocate Center