About Cigna
Cigna, operating through its Evernorth health services division, is the fourth largest commercial health insurer in the United States with approximately 9% market share. The company serves over 18 million commercial members across all 50 states and internationally. Cigna is particularly strong in the employer-sponsored group insurance market.
How fast does Cigna pay?
Cigna typically reimburses clean claims within 30 days for most commercial products. Complex claims and specialty procedures can extend to 45 to 60 days. Behavioral health claims submitted to Cigna Behavioral Health may take 30 to 45 days.
Common denial and billing issues.
- Out-of-network billing submitted to in-network benefit structure
- Clinical edit failures on procedure code combinations
- Prior authorization not obtained for specialty care
- Claim frequency issues for recurring therapy services
- Incomplete diagnosis coding for specialty procedures
- CAQH credentialing discrepancies causing claim rejections
Prior authorization requirements.
Cigna requires prior authorization for a significant range of services including surgical procedures, advanced imaging, specialty medications, home health, and behavioral health above initial session thresholds. Authorization can be submitted through myCigna provider portal or eviCore healthcare for specialty procedures.
How Copay works with Cigna.
Cigna commercial claims are evaluated using Copay's ENR model with Cigna-specific reimbursement data. Cigna's 30-day clean claim window is one of the faster commercial timelines, but Copay still deposits funds the next business day — accelerating even Cigna's best-case reimbursement by 29 days.
Stop waiting on Cigna.
Eligible claims are purchased and funded the next business day.