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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. Payer content ages fastest of anything on this site. Portals move, forms change, payer IDs get reassigned, and timely filing limits are contract-specific regardless of what any table says. Treat this page as orientation; the payer’s own current documentation and your executed contract are authoritative. Checked August 2026.

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