Does Cigna Cover Telehealth?
- Cigna telehealth benefits are part of every Cigna Medicare Advantage plan. Learn how Medicare pays for telehealth, and find whether some Cigna Medicare Advantage plans may cover even more telemedicine than Original Medicare.
Cigna Medicare Advantage (Medicare Part C) plans cover certain telehealth services that are also covered by Original Medicare (Medicare Parts A and B). In this guide, we’ll take a look at how the coverage works and the types of telemedicine Medicare covers.
What Cigna Plans Pay for Telehealth?
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 some plans may offer telehealth benefits that go beyond what Original Medicare covers.
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.
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 waiting times, 24/7 access to care and lower overall costs.
How Does Cigna Telehealth Work?
Cigna partners with MDLIVE to provide telehealth benefits with some of their health insurance plans.
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
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