Does Cigna Cover Telehealth?

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When shopping for health insurance, it’s expected that you’ll examine which benefits are covered when visiting a doctor’s office or hospital. But what about telemedicine services you receive from home?

Cigna Medicare Advantage plans cover telehealth, and in this guide, we’ll take a look at how the coverage works and how you can find a plan in your area with telehealth benefits. 

What Cigna Plans Pay for Telehealth?

If you’re looking for under-65 traditional Cigna health insurance plans for individual or family coverage, contact Cigna directly or explore Cigna plans available on the federal health insurance Marketplace. If your employer offers Cigna health insurance, speak to your manager or HR director for help with enrolling. 

Medicare beneficiaries who are looking for Cigna Medicare telehealth coverage can consider a Cigna Medicare Advantage (Part C) plan. Medicare Advantage plans are required to cover all the telehealth services covered by Original Medicare (Parts A and B), and may offer telehealth benefits that go beyond what Original Medicare covers.

Learn more and compare Medicare Advantage plans in your area to find out if Cigna Medicare telemedicine coverage is right for you.

What Is Telehealth?

Telehealth, or telemedicine, is a type of virtual health care for which patients use a computer, tablet or smartphone to conduct a telephone or video conference call with their doctor or other health care provider. Telehealth is just like a traditional face-to-face doctor’s appointment but instead takes place remotely. 

Telehealth saw a large boost in use during the COVID-19 pandemic, as patients were able to meet with their doctor from the safety of their own home. 

Telehealth is a valuable resource for those who have difficulty leaving their home or those with weakened immune systems who wish to stay clear of sick people in doctor’s office waiting rooms. Other benefits of telehealth include shorter (or no) waiting times, 24/7 access to care and lower overall costs. 

How Does Cigna Telehealth Work?

Cigna partners with MDLIVE to provide telehealth benefits.

MDLIVE is a network of board-certified doctors, licensed therapists and other credentialed health care professionals who provide telehealth services to covered members. 

Which Telehealth Services Are Covered By Cigna Plans?

Cigna telehealth services can include coverage of minor medical conditions, wellness screenings, mental and behavioral health and therapy including physical therapy and speech language therapy.

Cigna Telehealth for Minor Medical Conditions

Some Cigna health insurance plans cover telemedicine for treatment of health conditions such as:

• Allergies
• Sore throat
• Headache
• Cold and flu
• Stomachache
• Urinary Tract Infection
• Skin rashes and conditions

Cigna Telehealth for Mental and Behavioral health

Some Cigna health insurance plans also cover telemedicine for mental and behavioral health treatment including but not limited to:

• Addictions
• Disorders
• Depression
• Grief and loss
• Life changes
• Men’s and women’s issues
• Stress and anxiety
• Trauma/PTSD
• Relationship and marriage issues
• Parenting problems

Cigna Telehealth for Wellness Screenings

Cigna health insurance plans cover blood work, labs, screenings and other preventive health measures including:

• Virtual discussion with your doctor about the blood test lab results
• Video or other virtual consultation about biometric screenings, medical history, emotional and psychological well-being, risk factors, treatment options and more 

Cigna Telehealth for Therapy

Cigna insurance plans also cover telemedicine for:

• Physical therapy
• Speech language therapy 

How Do I Find Cigna Medicare Plans That Cover Telemedicine?

Connect with a licensed insurance agent to learn about the Cigna Medicare Advantage plans that may be available in your area. Be sure to ask about the telehealth coverage offered by each plan so that you can find the right plan for your needs.