When it comes to being well - physically, financially, emotionally – Cigna is with you all the way. Cigna doesn’t just want you to feel better. Cigna wants you to stay that way. Cigna Global plans provide peace of mind for customers in over 200 countries worldwide. Maybe you’re living away from home and need someone who’s got your back. Or maybe you want to see a doctor you can count on who is based in another country. Whatever your circumstances, Cigna Global plans are here to see you through the good times, as well as the crunch times. Why choose Cigna Global? Customers choose Cigna because it gives them all of the following: Access to a network of trusted hospitals, physicians and other healthcare professionals. The flexibility to tailor a cost-effective plan to suit their individual needs is an added bonus. The customer care team is always at the other end of the line. Why you may need Cigna? There are lots of different reasons you might need a Cigna Global plan. Here are a few: The quality of your local country’s healthcare system does not meet your standards or needs. Or, even if you are to find good quality local healthcare, it’s too expensive. You find the local healthcare system confusing or a struggle due to language or cultural barriers. Your country of residence requires you to have international private medical insurance. Today, Cigna, has 86 million customer relationships in over 200 countries and jurisdictions. Looking after them is an international workforce of 37,000 people, plus a medical network comprising of over 1 million partnerships, including 89,000 behavioral health care professionals, and 11,400 facilities and clinics.
An HMO, or Health Maintenance Organization, is a type of health plan that offers a local network of doctors and hospitals for you to choose from. It usually has lower monthly premiums than a PPO or an EPO health plan. An HMO may be right for you if you’re comfortable choosing a primary care provider (PCP) to coordinate your health care and are willing to pay a higher deductible to get a lower monthly health insurance premium.
A PPO, or Preferred Provider Organization, is a type of health plan that offers a larger network so you have more doctors and hospitals to choose from. Your out-of-pocket costs are usually higher with a PPO than with an HMO or EPO plan. If you're willing to pay a higher monthly premium to get more choice and flexibility in choosing your physician and health care options, you may want to choose a PPO health plan.
An EPO, or Exclusive Provider Organization, is a type of health plan that offers a local network of doctors and hospitals for you to choose from. An EPO is usually more pocket-friendly than a PPO plan. However, if you choose to get care outside of your plan’s network, it usually will not be covered (except in an emergency). If you’re looking for lower monthly premiums and are willing to pay a higher deductible when you need health care, you may want to consider an EPO plan.
What’s the difference between in-network coverage and out-of-network coverage?
Each time you seek medical care, you can choose your doctor. You have the choice between an in-network and out-of-network doctor. When you visit an in-network doctor, you get in-network coverage and will have lower out-of-pocket costs. That’s because participating health care providers have agreed to charge lower fees, and plans typically cover a larger share of the charges. If you choose to visit a doctor outside of the plan’s network, your out-of-pocket costs will typically be higher or your visit may not be covered.
What if I need to be admitted to the hospital?
In an emergency, your care is covered. Requests for non-emergency hospital stays other than maternity stays must be approved in advance or pre-certified. This allows Cigna to determine if the services are covered by your plan. Pre-certification is not required for maternity stays of 48 hours for vaginal deliveries or 96 hours for caesarean sections. Depending on your plan, you may be eligible for additional coverage.
Who is responsible for getting pre-certification?
Your doctor will help you decide which procedures require hospital care and which can be handled on an outpatient basis. If your doctor is in the Cigna network, he or she will arrange for pre-certification. If you use an out-of-network doctor, you are responsible for making the arrangements. Your plan materials will identify which procedures require pre-certification.
Creating a comprehensive, tailored plan with CIGNA is simple. It’s flexible, so you can choose and pay for only the cover you need. CIGNA’s plans comprise of three levels of cover: Silver, Gold and Platinum. Each plan includes International Medical Insurance. Choose from two areas of coverage, depending on needs and location: Worldwide including USA and Worldwide excluding USA.
In addition, you can select optional modules, including: International Outpatient, International Medical Evacuation, International
Health & Wellbeing and International Vision & Dental, which enables you the flexibility to create a health insurance plan that suits your unique needs.
As well as this, CIGNA offers a wide range of cost share and deductible options on International Medical Insurance and International Outpatient, allowing you to tailor a plan to suit your budget.