> ## Documentation Index
> Fetch the complete documentation index at: https://mso.getlemma.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Cigna (and Evernorth)

> Cigna profile: Evernorth behavioral and pharmacy carve-outs, provider portal, and the self-funded consideration.

**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

|                       |                                                                                    |
| --------------------- | ---------------------------------------------------------------------------------- |
| **Parent**            | The Cigna Group                                                                    |
| **Related entities**  | **Evernorth** — pharmacy benefit management, behavioral health, specialty services |
| **Lines of business** | Commercial (fully-insured and ASO), Medicare Advantage, Individual/Exchange        |

## 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](https://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](/concepts/industries/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


## Related topics

- [The US payer landscape](/concepts/payments/the-payer-landscape.md)
- [Payers vs insurance companies (they're not synonyms)](/concepts/payments/payers-vs-insurance-companies.md)
- [Enroll and contract with commercial payers](/guides/enrollment/enroll-with-commercial-payers.md)
- [Set up EDI, ERA, and EFT with each payer](/guides/enrollment/set-up-edi-era-eft.md)
- [File appeals](/guides/billing/file-appeals.md)
- [How to use the payer reference](/reference/payers/overview.md)
- [Payer enrollment & submission links](/reference/payers/enrollment-links.md)
- [Timely filing limits by payer](/reference/payers/timely-filing-limits.md)