Skip to main navigation Skip to main content Skip to footer
  • For Medicare
  • For Providers
  • For Brokers
  • For Employers
  • Search
    Search
    Español
  • For Individuals & Families:
  • For Individuals & Families:
  • Shop for Plans

    Shop for Plans

    • Plans through your employer
    • Learn about the medical, dental, pharmacy, behavioral, and voluntary benefits your employer may offer.
    • Explore coverage through work
  • Log in to myCigna
  • Log in to myCigna
  • Shop for Plans

    Shop for Plans

  • Member Guide
  • Find a Doctor
  • Home Individuals & Families Shop for Plans Plans Offered Through Your Employer Medical Indemnity Plans

    Medical Indemnity Plans

    See any licensed health care provider and use any licensed facility for covered services.

    What is a Medical Indemnity Plan?

    Medical Indemnity plans, also known as an Indemnity Health Plan, are health plans designed to give you choices when choosing health care providers and facilities.

    Cigna Healthcare Medical Indemnity plan features

    • You have the freedom to see any licensed health care provider and use any licensed facility for covered services, but you and your covered dependents must file claims to be reimbursed
    • Depending on the provider, you may have to pay for the cost of your health care services when you receive them, or you may be billed directly for any services provided
    • You don’t need referrals for specialists. Cigna HealthcareSM may need to pre-certify hospital stays and some types of outpatient care
    • The indemnity health plan includes global emergency and urgent care coverage 24/7

    Being offered a Cigna Healthcare Medical Indemnity plan through work?

    Use these helpful tools to help with your enrollment decisions.

    Find doctors

    To find providers, procedures, cost estimates, and more, search our provider directory.

    Are your prescription drugs covered?

    To find out which drugs are covered by your plan, use the Prescription Drug List.

    Next steps for shoppers

    You'll most likely enroll in your plan using your employer's enrollment tool/website. If not, check with your HR department.

    Need help understanding how insurance plans work? To learn more, visit the Knowledge Center

    Are you a new member?

    If you've recently enrolled in a Cigna HealthcareSM plan through your employer, here are next steps:

    Activate your myCigna account1
    Check out member programs and services

    Buying a plan on your own?

    This page features plans you get through an employer. If you're looking for plans you can buy for yourself or your family, we can help get you there.
    Find a plan that's right for you

    View Cigna Healthcare Company Names

    1 Customers under age 13 (and/or their parent/guardian) will not be able to register at myCigna.com.

    Medical plans are insured and/or administered by Cigna Health and Life Insurance Company (CHLIC) or Connecticut General Life Insurance Company. Plans contain exclusions and limitations and may not be available in all areas. For costs and details of coverage, see your plan documents. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC).

    I want to...
  • Get an ID card
  • File a claim
  • View my claims and EOBs
  • Check coverage under my plan
  • See prescription drug list
  • Find an in-network doctor, dentist, or facility
  • Find a form
  • Find 1095-B tax form information
  • View the Cigna Healthcare Glossary
  • Contact Cigna Healthcare
  • Audiences
  • Individuals and Families
  • Medicare
  • Employers
  • Brokers
  • Providers
  • Secure Member Sites
  • myCigna member portal
  • Health Care Provider portal
  • Cigna for Employers
  • Client Resource Portal
  • Cigna for Brokers
  • The Cigna Group Information
  • About Cigna Healthcare
  • The Cigna Group
  • Careers
  • Newsroom
  • Investors
  • Suppliers
  • Third Party Administrators
  • International
  • Evernorth Health Services
  • Cigna Healthcare. All rights reserved.
  • Privacy
  • Legal
  • State Policy Disclosures, Exclusions, and Limitations
  • Transparency in Coverage
  • Customer Rights
  • Accessibility
  • Non-Discrimination Notice
  • Language Assistance [PDF]
  • Report Fraud
  • Sitemap
  • Cookie Settings
  • Disclaimer

    Product availability may vary by location and plan type and is subject to change. All health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna Healthcare representative.

    All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group Corporation, including Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North Carolina, Inc. and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of The Cigna Group.

    Selecting these links will take you away from Cigna.com to to another website, which may be a non-Cigna Healthcare website. Cigna Healthcare may not control the content or links of non-Cigna Healthcare websites. Details