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Cigna operates commercial health insurance alongside Evernorth, its health services arm covering pharmacy benefit management and behavioral health. The behavioral carve-out is the operational fact most often missed. Treat this page as orientation; payer’s change their habits often and without notice.

Who they are

Plan types on the card

Cigna Open Access Plus, LocalPlus, HMO and network products, and Medicare Advantage. Cigna carries a substantial self-funded ASO book, particularly among large employers.

Enrollment and credentialing

Start at cignaforhcp.cigna.com. Credentialing generally pulls from CAQH.

EDI, ERA, and EFT

Standard three-part enrollment through your clearinghouse and Cigna’s enrollment process.

Appeals

Reconsideration then appeal; the process differs by plan type.

Quirks worth knowing

  • 🧠 Behavioral health is administered through Evernorth. Contracting with Cigna medical does not put you in the behavioral network. This requires separate contracting and credentialing, and it is a frequent surprise for behavioral health groups. See Behavioral health.
  • Self-funded volume is high among large employers — ERISA analysis applies to much of the book
  • Network naming varies by product; confirm which network your contract covers
Last modified on August 13, 2026