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; payers 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