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OptionsReimbursementn Directreimbursementtotheprovider

n ReimbursementinUSdollarsorlocalcurrency

n Electronicfundstransfertoabankaccountinanumberofinternationallocations*

n CheckmailedtoyourUS(orCanadian)bankaccount

n WiretransfertoyourbankaccountoutsidetheUS

* Check the secure Member Web site for a list of participating countries.

for Support and AssistanceResourcesn Globalmedicalanddentalreferrals

n Directaccesstomultilingualmedicaladviceandconsultationbyphone

n Appointmentandadmissionassistance

n ExpertsecondopinionsviaeClevelandClinic

n Emergencyprescriptionservicesfromyourlocation

n OnlinePINgeneration

n SecureemailtoandfromCustomerService

n Health&Wellnesscontentandresources

n AccesstoInternationalProviderDirectory

n Pharmacyinformationanddatabase

n CountryGuidesfor190+countries

n Accesstoclaimsdataandeligibility

n OnlineExplanationofBenefits

to Secure Web Site:Accesswww.cigna.com/expatriates

“CIGNA” refers to CIGNA Corporation and/or one or more of its subsidiaries. CIGNA International and CIGNA International Expatriate Benefits (“CIEB”) refer to these subsidiaries and affiliates. Products and services are provided by these subsidiaries, affiliates and other contracted companies and not by CIGNA Corporation. “CIGNA” is also a registered service mark.

#621426Revised07/06

n Youmayreceiveservicesfromanyhospital,clinic,doctorordentistworldwide.

n Ifyoudon’thavearelationshipwithahealthcareproviderandareexperiencing

symptoms,pleasecallCustomerServicesothatyoucanspeakwithaknowledgeable

physician,receiveamedicalassessment,andbereferredtothemostappropriate

providerforyourconditionandlocation.

n Werecommendyouestablishrelationshipswithhealthcareprovidersinyour

locationinadvanceofrequiringcare.Toassistyou,we’vecreatedadirectoryof

pre-screenedprimarycarephysicians,dentistsandfull-servicehospitalsformore

than450cities,availableonourMemberWebsite.Additionalproviderreferrals,

includingspecialists,canbeobtainedbycontactingCustomerService.

n Sourcesforidentifyingproviders:

1.CIGNA’sInternationalProviderDirectory.

—Accesstothousandsofprescreeneddoctors,dentists,hospitals,clinics.

—AccessthedirectoryatthesecureMemberWebsite:

www.cigna.com/expatriates

—CallCustomerService,24hoursaday/7daysaweek:

–Pleaseusethetoll-freenumberindicatedonyourIDcard

(ifdialinginternationally,usethatcountry’sAT&TDirect®accessnumber)

–Or,callthelocaldirectnumberindicatedonyourcard

(reversethecharges)

2.CIGNA’sPreferredProviderDirectoryintheUS(alsoontheCIEBMemberWebsite).

a ProviderChoosing a ClaimFiling

your CIGNA ID CardUsing n WhenyoureceiveyourCIGNAInternationalIDCard:

—Verifythatyourinformationiscorrect.

—CallCustomerService,24/7,ifsomethingneedstobechanged.

n PresentyourIDCardwhenyoureceiveservicesfromaprovider.

n Ifyouneedassistancewithpayingforservices,don’thesitatetocontactus.

EachyearCIGNAmakestensofthousandsofpaymentsdirectlyto

internationalproviders.

n ProvidersmayalsocallCIGNAInternationalCustomerServicetoverifycoverage.

n YourprovidermayfileaclaimdirectlywithCIGNAInternationalandchargeyoufor

yourportionofthecharges.

n Yourprovidermayrequireyoutopayforservicesatthetimetheyarereceived.

Inthiscase,youfileaclaimwithCIGNAInternationalforreimbursement.

n Tofileaclaimyourself:

—ObtainaCIGNAInternationalclaimform:Onestandardformformedical,

dentalandprescriptiondrugclaims(availablein12languages,including

English).

—UsetheformincludedinyourMemberInformationKit(Englishisstandard).

—DownloadtheformdirectlyfromthesecureMemberWebsite:

www.cigna.com/expatriates

—CallCustomerServiceforaclaimform.

n CompletetheformandfaxittoCustomerServiceatourtoll-freefax:

AT&TDirectAccessCode+1-800-243-6998,or1-302-797-3150,or

n ScanyourcompletedclaimformandemailitdirectlytoCustomerService(emails

withattachedclaimsmustbesentthroughthesecureMemberWebsite,toprotect

yourprivacy).

n Claimssubmittedareusuallyprocessedwithin10businessdaysafterreceiptof

completedform.

n Claimsmaybesubmittedupto18monthsafterdateofservice.

n Tipstospeedclaimprocessing:

—Besuretofillouttheclaimformcompletely(anincompleteformmay

delayprocessing).

—Provideadiagnosisorexplanationoftreatmentontheclaimform.

—Statehowandwhereyouwantthereimbursementissued.

—Emailorfaxyourforminsteadofmailingit.

—Savecopiesofyourbills,receiptsandclaimforms.


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