Traveling? How to receive care outside the U.S. and Puerto Rico:

If you need healthcare services when traveling outside the U.S. or Puerto Rico, you may contact Cigna Healthcare by calling the number on the back of your I.D. card to make arrangements.

Here are a few tips for when abroad:

Finding a provider: You can visit any healthcare provider you choose.

1. For low-cost services: you should pay out-of-pocket and file a claim for reimbursement with Cigna Healthcare.

2. For more costly medical care: request a one-time Guarantee of Payment (GOP) prior to seeking services.

  • To request a GOP, call the number on the back of your I.D. card and Cigna Healthcare will attempt to place a GOP with your desired provider. If the GOP is accepted by the provider, the provider will bill Cigna Healthcare for the services you receive.
  • If the provider does not accept a GOP, you will be required to pay out of pocket for your service and file a claim for reimbursement.
  • Review our Mobile Web App for more details.

3. For dental and vision care: you should pay out-of-pocket and file a claim for reimbursement with Cigna Healthcare. Please request an itemized bill or detailed receipt from the provider before you file a claim.

Emergencies: In an emergency, you should go directly to the most appropriate physician and/or hospital and contact Cigna Healthcare as soon as possible using the phone number on the back of your I.D. card.

If necessary, a family member or other representative may contact Cigna Healthcare on your behalf.

Prescription medications:

    • You may obtain prescription medications at any pharmacy, but you must pay the full cost and file a claim for reimbursement with Cigna Healthcare. (In this case, you do not file a claim with Express Scripts.) You will be reimbursed for the cost of the prescription minus the US$5 co-pay for up to a 30-day supply that applies outside the U.S. and Puerto Rico. Please use the medical claim form or submit it through the myCigna website.
    • If you submit a claim for a new prescription drug, it must correspond with a doctor’s office visit during which your medication was prescribed.
    • Click here for more details on how to fill a prescription or file a prescription claim.

How to file a claim with Cigna Healthcare

If you receive care from an in-network provider, you don’t have to file a claim because the provider will submit it for you. If you go out-of-network, here is how to submit a claim:


  • Through the myCigna website, either on your computer or on your mobile phone
  • Email (
  • Fax (859-410-2422)
  • Postal mail (P.O. Box 182223, Chattanooga, TN, 37422-7223)


  • Email (
  • Fax (866-370-8574)
  • Postal mail (P.O. Box 188037, Chattanooga, TN, 37422-8037)


Prescription Drugs

If you fill a prescription at an out-of-network pharmacy in the U.S. or Puerto Rico, you must pay for your prescription at full cost and file a claim for reimbursement with Express Scripts. Please note that you will be reimbursed for only 50% of the amount you paid for the prescription.

Important tips

In the U.S. or Puerto Rico: Always ask the provider to give you a “superbill.” This document contains the detailed information needed by Cigna Healthcare to process your claim. U.S. providers are familiar with this type of documentation.

Outside the U.S. or Puerto Rico: Include a description of each service and the reason for the services in your claim. A general description is sufficient.

For example: if you are on mission travel and are seeing a doctor outside of the U.S. for migraines, the type of service can be stated as “doctor office visit,” and the reason for the visit could be noted as “migraines” or “headaches.” This information will be sufficient for Cigna Healthcare to process the claims.

Questions for Cigna Healthcare?

We are hosting a webinar on March 13 at 03:00 p.m. ESTwith Cigna Healthcare. Their representatives will provide an overview of their web tools, answer questions and receive feedback from members.

The day of the event, you need to enter the passcode idb to join the webinar. 

Medicare Primary Payer / Cigna Healthcare Secondary Payer

If you or one of your dependents is eligible for Medicare, Cigna Healthcare has automatically updated the information in the CMS system to show that Medicare remains the primary payer and Cigna Healthcare is now the secondary payer, replacing Aetna. Aetna has now been removed from all member records as the secondary payer.

Medical Benefits Mobile Web App

For additional information about Cigna Healthcare and how to use your benefits, visit the IDB Group Medical Benefits Mobile Web App.