
Cigna International Insurance
Cigna Global is a highly reputable worldwide insurance provider that caters to individuals and families living abroad in more than 200 countries worldwide. Their mission is to help and improve the health, well-being, and sense of security of the people they serve.
Cigna International Health Plans are comprehensive, flexible, and designed to meet all your needs. The plans are customizable, allowing you to choose and only pay for the coverage you need.
The Cigna international health plan offers three levels of coverage: Cigna Silver, Cigna Gold, and Cigna Platinum. Each plan provides cover for inpatient and day-patient care with the option to add outpatient care and other elective modules. You can also choose your desired area of coverage.
Cigna Global is a highly reputable worldwide insurance provider that caters to individuals and families living abroad in more than 200 countries worldwide. Their mission is to help and improve the health, well-being, and sense of security of the people they serve.
Cigna International Health Plans are comprehensive, flexible, and designed to meet all your needs. The plans are customizable, allowing you to choose and only pay for the coverage you need.
The Cigna international health plan offers three levels of coverage: Cigna Silver, Cigna Gold, and Cigna Platinum. Each plan provides cover for inpatient and day-patient care with the option to add outpatient care and other elective modules. You can also choose your desired area of coverage.
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With Cigna Global health benefits, you will gain access to the company's vast international healthcare network of trusted hospitals, doctors, and other healthcare professionals. Cigna's network is especially helpful if the local healthcare system in your residence country is too expensive or is known for providing inadequate service. Cigna Global's customer relations team will help you find the best doctors and medical facilities to provide you with the healthcare you need and deserve.
Standard Benefits Included in All Plans
Here are just a few of the standard benefits included in Cigna Global's three core plans, Silver, Gold, and Platinum.
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How to Build Your Cigna International Plan
Creating a comprehensive, tailored plan with Cigna Global is simple.
- First, applicants choose from the Silver, Gold or Platinum plan level. The Cigna Silver plan has a benefit limit of $1,000,000, Gold has a $2,000,000 limit, and Platinum's benefit limit is unlimited.
- Then they select their coverage location, either worldwide coverage including the U.S. or excluding the U.S. Members who exclude the U.S. can still receive limited emergency hospitalization benefits if they have a mishap while on a brief visit to that country.
- Next, they select any optional additional modules they would like to add to their plan, such as international outpatient, health and wellbeing and vision and dental. Each module has deductible options and a benefit maximum.
- Applicants can adjust their premiums with a wide range of deductibles and co-insurance options to suit their budgets. Choosing a higher deductible and co-insurance option will lower the premium amount, but out-of-pocket costs are higher until the deductible and/or co-insurance is reached.
- Finally, applicants choose whether they would like to pay their premium monthly, quarterly or annually. Cigna accepts payments through credit and debit cards or by bank wire transfer if paid annually. Customers who pay quarterly or annually have lower premiums than customers that pay monthly.
Cigna Global Health Benefits and Coverage
Read the full schedule of benefits starting on page 16 of the Cigna Global brochure.
Silver
Gold
Platinum
Annual overall benefit maximum - per beneficiary per period of cover
$1,000,000
€800,000
£650,000
$2,000,000
€1,600,000
£1,300,000
Paid in full
Deductible
USD
Euro
GBP
This is the amount you must pay towards your cost of treatment until the deductible for the period of cover is reached.
$0
$375
$750
$1,500
$3,000
$7,500
$10,000
€0
€275
€550
€1,100
€2,200
€5,500
€7,400
£0
£250
£500
£1,000
£2,000
£5,000
£6,650
Cost Share
This is the cost share percentage you must pay toward your cost of treatment.
0%
10%
20%
30%
Out of Pocket Maximum
USD
Euro
GBP
This is the maximum amount of cost share you have to pay per period of cover.
$2,000
$5,000
€1,480
€3,700
£1,330
£3,325
Silver
Gold
Platinum
Annual overall benefit maximum - per beneficiary per period of cover
$1,000,000
€800,000
£650,000
$2,000,000
€1,600,000
£1,300,000
Paid in full
Hospital charges
Private Room
Private Room
Private Room
Hospital accommodation for a parent or guardian
$1,000
€740
£665
$1,000
€740
£665
Inpatient cash benefit
Per night up to 30 days per beneficiary per period of cover.
$100
€75
£65
$100
€75
£65
$200
€150
£130
Accident and Emergency Room Treatment
For necessary emergency treatment.
$500
€370
£335
$1,000
€740
£665
$1,200
€1,000
£800
Transplant services
Advanced Medical Imaging (MRI, CT, and PET scans)
As part of inpatient, daypatient, or outpatient treatment.
$10,000
€7,400
£6,650
$15,000
€12,000
£9,650
Rehabilitation
We will pay for: Physiotherapy; Occupational therapy; Cognitive and Speech therapies; and Cardiac and pulmonary rehabilitation.
$5,000
€3,700
£3,325
Up to 30 days
$10,000
€7,400
£6,650
Up to 60 days
Up to 90 days
Home nursing
$2,500
€1,850
£1,650
Up to 30 days
$5,000
€3,700
£3,325
Up to 60 days
Up to 120 days
Acupuncture & Chinese Medicine
$1,500
€1,100
£1,000
$2,500
€1,850
£1,650
Palliative care
$35,000
€25,900
£23,275
$60,000
€44,400
£38,400
Prosthetic devices
Local ambulance & air ambulance services
Mental and Behavioral Health Care
As part of inpatient, daypatient, or outpatient treatment.
$5,000
€3,700
£3,325
Up to 30 days for inpatient and daypatient treatment
$10,000
€7,400
£6,650
Up to 60 days for inpatient and daypatient treatment
Up to 90 days for inpatient and daypatient treatment
Treatment for Obesity
70% refund up to
$20,000
€14,800
£13,300
80% refund up to
$25,000
€18,500
£16,500
Cancer preventative surgery
70% refund up to
$10,000
€7,400
£6,650
80% refund up to
$18,000
€13,300
£12,000
90% refund up to
$18,000
€13,300
£12,000
Cancer care
Congenital conditions
$5,000
€3,700
£3,325
$20,000
€14,800
£13,300
$39,000
€30,500
£25,000
Out of Area Emergency Hospitalisation Cover
For beneficiaries who do not have Worldwide including USA coverage. Only includes inpatient and daypatient treatment costs.
$100,000
€75,000
£65,000
$250,000
€200,000
£162,500
Routine maternity care
$7,000
€5,500
£4,500
$14,000
€11,000
£9,000
Complications from maternity
$14,000
€11,000
£9,000
$28,000
€22,000
£18,000
Homebirths
$500
€370
£335
$1,100
€850
£700
Newborn Care
The newborn may be required to be medically underwritten.
$25,000
€18,500
£16,500
Up to 90 days
$75,000
€55,500
£48,000
Up to 90 days
$156,000
€122,000
£100,000
Up to 90 days
Optional Modules
Cigna offers additional modules to enhance your Silver, Gold, or Platinum international medical coverage plan. They offer International Outpatient, Medical Evacuation, Health and Wellness, and Vision and Dental. Policyholders can create a plan tailored to their needs by adding modules for further coverage if they wish to do so.
Optional Modules - Schedule of Benefits
Read the full schedule of benefits for Cigna's optional modules starting on page 17 of the Cigna Global brochure.
Silver
Gold
Platinum
Annual International Outpatient benefit maximum - per beneficiary per period of cover
$15,000
€12,000
£9,650
$35,000
€25,900
£23,275
Paid in full
Consultations with medical practitioners and specialists
$2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Prescribed drugs and dressings
$1,500
€1,100
£1,000
$3,000
€2,200
£5,000
Pathology, Radiology and diagnostic tests (excluding Advanced Medical Imaging)
$2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Outpatient Rehabilitation
Cigna will pay for:
Outpatient Physiotherapy; Outpatient Occupational therapy; Osteopathy and Chiropractic treatment; Speech therapy; and Cardiac and pulmonary rehabilitation.
$5,000
€3,700
£3,325
$10,000
€7,400
£6,650
Pre-natal and post natal care
$3,500
€2,750
£2,250
$7,000
€5,500
£4,500
Infertility Investigations and treatment
Up to a maximum of 4 attempts per lifetime. Available to beneficiaries up to 41 years old.
$10,000
€7,400
£6,650
Sleep Apnoea
$1,500
€1,100
£1,000
$2,000
€1,480
£1,330
Genetic Cancer test
$2,000
€1,480
£1,330
$4,000
€2,950
£2,650
Accupuncture & Chinese medicine
Up to a combined maximum of 15 consultations per period of cover.
$2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Durable medical equipment
Adult vaccinations
$250
€185
£165
Dental accidents
$1,000
€740
£665
Child and Adolescence Wellbeing health
60+ Care
$1,000
€740
£665
$2,000
€1,480
£1,330
Silver
Gold
Platinum
International Medical Evacuation Annual benefit maximum - per beneficiary per period of cover
Crisis Assistance Plus™ Programme
The Crisis Assistance Plus™ programme provides time-sensitive advice and
coordinated in-country crisis assistance for risks that could impact you when you're traveling.
FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover)
Medical evacuation
Medical repatriation
Repatriation of mortal remains
Travel cost for an accompanying person
Compassionate visit - travel costs
Up to a maximum of 5 trips per lifetime
$1,200
€1,000
£800
$1,200
€1,000
£800
$1,200
€1,000
£800
Compassionate visit - living allowance costs
Per day up to 10 days per visit
$155
€125
£100
$155
€125
£100
$155
€125
£100
Silver
Gold
Platinum
Life Management Assistance programme
This programme is available 24 hours a day and gives you access to free, confidential assistance with any work, life, personal, or family issue that matters to you.
Routine adult physical examination
$225
€165
£150
$450
€330
£300
$600
€440
£400
Cervical Cancer screening
$225
€165
£150
$450
€330
£300
Prostate Cancer screening
$225
€165
£150
$450
€330
£300
Mammograms for Breast Cancer screening
$225
€165
£150
$450
€330
£300
Bowel Cancer screening
$225
€165
£150
$450
€330
£300
Bone densitometry
$225
€165
£150
$450
€330
£300
Dietetic consultations
Up to 4 consultations per period of cover
Silver
Gold
Platinum
Vision Care
Eye Test
1 eye examination per period of cover.
$100
€75
£65
$200
€150
£130
Expenses for:
-Spectacle lenses;
-Contact lenses;
-Spectacle frames;
-Prescription sunglasses.
$155
€125
£100
$155
€125
£100
$310
€240
£200
Dental Treatment
Annual Dental benefit maximum - per beneficiary per period of cover
$1,250
€930
£830
$2,500
€1,850
£1,650
$5,500
€4,300
£3,500
Preventative
Routine
80% refund
90% refund
Major restorative
70% refund
80% refund
Orthodontic treatment
Available up to 18 years old
40% refund
50% refund
50% refund
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Cigna Global Health Insurance Plan Rates
Cigna Global determines its premium rates based on several factors, including your choice of plan tier. Cigna offers three main plan tiers called Silver, Gold, and Platinum, each with increasing cost and coverage. Aside from tier choice, the cost of the plan also depends on the area of coverage you choose and your age.
You can manage the premium rate by selecting a deductible or a cost-share option, which will lower your monthly or annual costs. Deductibles and cost-share options are recommended for individuals and families that want to save more money every month. However, take note that though your premium will be lower, your out-of-pocket payments will increase.
Lastly, if you choose to add outpatient care and other optional modules to make your Cigna International Health Plan more comprehensive, this will increase the cost of your premium as well as your covered care.
Need a Group Plan? Visit: Group International Insurance Options
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Our specialists are here to guide you through a personalized quote.
Watch our Cigna Global Video and Learn About the Plan!
The video offers key information for expatriates to know before they purchase Cigna international health insurance coverage. Visit our YouTube channel to watch this video and several other informative videos on international health insurance coverage!

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Eligibility for Cigna International Health Insurance
The Cigna Global Health Benefits plan is available to all nationalities living abroad.
You are encouraged to apply regardless of your nationality, so long as you meet the minimum age requirement of 18 years old to purchase a Cigna International Health Plan.
There will be instances when countries might limit or restrict coverage due to local health care regulations. If you encounter this problem, we will recommend a suitable alternative plan.
Geographic Restrictions with Cigna Global Health Care
- Country Restrictions — Cigna cannot accept an address in Cuba, the Democratic Republic of the Congo, Iran, Israel, Libya, Sudan, or Syria.
- Destination Restrictions — Cigna cannot cover individuals residing in Afghanistan, Cuba, the Democratic Republic of the Congo, Guernsey, Hong Kong, Iran, Iraq, Lebanon, North Korea, Singapore, Sudan, or Syria.
- U.S. to U.S. Affiliated Country Restrictions — Cigna cannot cover U.S. citizens residing in Guam, Puerto Rico, U.S. Virgin Islands, Northern Mariana Islands, or any U.S. Minor Outlying Islands.
Expatriates living in the United Arab Emirates, including Dubai, are eligible for the Cigna Healthguard plan.
For those living and working abroad, Cigna expatriate insurance is a necessity. This insurance policy is designed to provide you and your family the best healthcare available in the country you are in.
Build a plan to suit your needs.
Our specialists are here to guide you through a personalized quote.
Cigna Global FAQs
You may apply for Cigna Global insurance as early as 45 days before the start date you requested. Applying earlier than the said period date, or having your start date delayed, might result in you being required to provide updated medical information from your healthcare provider. You may also need to provide a statement of health indicating that there have been no new medical conditions since the time of your initial application.
Start now by requesting a quote for the Cigna Global plan.
The cost of a Cigna Global health insurance plan starts at as little as $100 per month. The average cost of a plan will typically hover around $350 per month but costs will vary greatly depending on your age, your citizenship, and where you will be living. For most clients, the cost ranges between $4,000 to $6,000 per year.
One great feature of the Cigna Global plan is that you can adjust the policy structure to keep its cost low. You can also freely add features and benefits in exchange for an additional premium. To determine how much a plan will cost you and your family, review our Cigna Global Plan Costs above. Alternatively, you can just click here for a free quote.
The coverage Cigna expatriate health insurance provides is very flexible. Starting with the core policy, you can get cover for essential treatment and hospital stays. Fees for consultation, wellness care, accommodation, and inpatient and outpatient treatments are also covered by the policy. The Gold and Platinum policies provide higher levels of cover, including routine maternity checkups.
You can tailor your Cigna Expatriate Health Insurance to provide more extensive outpatient benefits, including doctor visits and prescriptions. You can even add medical evacuation and vision and dental benefits to your plan.
Does Cigna Global cover inpatient treatment?
Yes, inpatient treatment is covered by Cigna Global health insurance plans. It is included as a standard within the core Cigna Global medical health insurance policy. It covers inpatient treatment that requires an overnight stay in a hospital. It also covers treatment at the hospital as a day patient.
Does Cigna International cover outpatient treatment?
Cigna Global can cover expenses on selected outpatient costs such as treatment room fees, surgeon and anesthetic costs, advanced imaging, cancer, and psychiatric care. If you want more comprehensive outpatient cover, add the International Outpatient option to your Cigna plan at the time of your application.
Does Cigna cover vision care or dental treatment?
Cigna Global insurance provides core benefits coverage in the event of an accident, such as emergency dental cover which requires you to be treated in a hospital. If you want more comprehensive coverage, choose the International Vision and Dental option to enjoy access to a wide variety of preventative, routine, major, and orthodontic treatments.
Does Cigna International cover birth control?
No, birth control is not a covered benefit. However, if your doctor prescribes a form of birth control for medical reasons after you have applied for a Cigna International Health plan, a valid exception can be made.
If you have purchased a Cigna international health plan, you can be covered for medical expenses and health services anywhere in the world. You have the option of purchasing worldwide coverage including or excluding coverage in the USA. If you choose to exclude coverage in the USA, your plan will provide benefits throughout the world but not in the USA. This option is more cost-effective but will limit your area of coverage.
The Cigna International Customer Care Team will assist in arranging your treatment plan to avoid delays and confusion and point you in the right direction. This will save you the time and hassle of looking for a hospital, clinic, or medical practitioner in a foreign land.
The Cigna Team knows that there will be times when it will not be practical or possible for a beneficiary to contact them for prior approval. This usually happens in emergencies where the hospital cannot contact the insurer before proceeding with the urgent operation. In circumstances like this, the Cigna Team will ask that you or the affected beneficiary get in touch with them 48 hours after the treatment has been sought so that they can confirm whether the procedure is covered by the policy.
No, it does not. The purpose of your membership card is to identify you as a member; it does not guarantee all payment capabilities. Be assured that you are covered under the terms of your insurance contract based on the coverage and benefits selected. We always recommend that you contact the customer service team who will be able to assist you in finding a doctor and, if appropriate, will provide a guarantee of coverage for specific treatments if approved.
When you need treatment, call the Cigna Treatment Approval Team at +44 (0) 1475 788182 or through their U.S. toll-free number at 1 800 835 7677. If you have a Cigna UK plan, you can log your inquiries through the member portal.
They will arrange to pay for your hospital, clinic, or doctor directly wherever possible and as long as it is a covered benefit as part of the plan you chose at the time of the application.
Once you have purchased your plan, you will be able to visit the Cigna Global website and log in to the online Customer Area. From there, you can search their directory of hospitals, clinics, and doctors partnered with Cigna. Just type in your postcode or zip code, specify the distance you are willing to travel, and the page will list the medical experts within your area.
Alternatively, you can call the Cigna Customer Care Team. Always remember to take your Cigna ID card with you when you go for treatment. Ask your hospital, medical practitioner, or clinic about direct billing in case this has not yet been confirmed. If approved, Cigna International will arrange to pay the hospital, clinic, or doctor you wish to see directly.
Here is the Cigna Global Customer Care Contact Information for assistance in finding a doctor or hospital.
- Phone: +44 (0)1475 788182
- Fax: +44 (0)1475 492113
- Email: cignaglobal_customer.care@cigna.com
Yes, Cigna Global has an extensive international doctor and hospital network where direct billing is included. Where possible, Cigna international healthcare services will arrange to pay for your hospital, clinic, or doctor directly. However, if you have chosen a deductible, you must pay this amount yourself.
It is always recommended that you contact Cigna Global Customer Care prior to receiving treatment and to arrange for direct billing.
In case direct billing is not covered automatically, contacting Cigna prior to treatment will make future payments and claims reimbursement easier to manage.
You must call Cigna Global before getting treatment. They can assist you in finding the best clinic, doctor, or hospital near you and arrange to pay them directly. This will save you the cost and hassle of paying for it yourself and then later requesting reimbursement from Cigna. Cigna Global will cover the cost of your initial specialist consultation, along with any prescribed medication, even without having prior approval, provided that the treatment is covered by your plan.
In most cases, the clinic, doctor, or hospital will send the invoice to Cigna directly. However, there may be times when they will instead give you the invoice after treatment. Should this happen, send the invoice along with the claim form to Cigna, and they will handle the payment for you. If you have chosen to apply any deductibles to your plan, you will need to pay this amount to your hospital, clinic, or doctor first.
Calling Cigna Global before getting treatment, especially during an emergency, may not always be possible. You will need to pay for your treatment yourself in this case, then send the invoice and claim form to Cigna after. You will be reimbursed, less any deductibles, within five days of receipt.
If you have paid for your treatment yourself, you will need to claim back your covered costs, less any deductibles and/or cost shares you are responsible for. You will find full details on how to get treatment and make a claim, along with copies of claims forms in your welcome pack. You can also download additional claims forms here:
You can send your invoice and claim form to Cigna International by any of the following means:
- Submit them directly via your secure online Customer Area.
- Email them to: cghoclaims@cigna.com
- Fax them to: +44 (0) 1475 492113
- Mail them to:
Customer Care Team,
Cigna Global Health Options,
Customer Service
1 Knowe Road
Greenock
Scotland
PA15 4RJ
How will Cigna reimburse me for my claim?
If you have already paid for the treatment with your own money, simply complete the claim form and mail, email, or fax it to Cigna Global along with your invoice. Make sure you keep the original form with you in case the insurer requires it later.
Cigna Global can reimburse you within five working days after receiving the fully completed paperwork. You decide what currency you want the money to be in when you receive it in your account. Because Cigna has a wide network across the world, you can choose to be reimbursed in more than 135 currencies.
When you create your tailored plan, you have the option of adding deductibles. If, for example, you choose a deductible of $250, you will need to pay the first $250 of a covered claim or covered claims in any period of coverage directly to your hospital, clinic, or doctor at the time of treatment.
So if your treatment costs are $500, you will need to pay $250, and Cigna Global pay the remaining $250 of covered costs. If a deductible is chosen, you would only have to pay this once during any cover period regardless of the number of claims.
Cost-share is the percentage of every claim you will pay. The Out of Pocket Maximum is the maximum amount you would have to pay in cost-share per policy year.
Here is an example of the computation:
- You have a claim value of $20,000
- You have a $500 deductible on your policy.
- You have a 20% cost share with a $2,000 out of pocket maximum.
- You would pay $2,500. Cigna Global would pay $17,500
After you paid your deductible of $500, your cost share is 20% of $19,500 ($3,900). This is more than your out-of-pocket maximum of $2,000, so you would only pay $2,000 which is the out-of-pocket maximum. In total, you will be paying $2,500, which is the sum of the cost-share and the $500 deductible you paid at the outset. Cigna will cover the remaining $17,500 of the claim value.
Read: Co-Pays and Deductibles in your International Health Insurance Plan
Yes - pending a review of your medical history Cigna Global will cover any pre-existing conditions that are not specifically excluded at the time of your application. If you have sought advice or experienced symptoms before your plan start date, regardless of whether you have been diagnosed or not, Cigna may decide to add special exclusions to your plan. So you must complete the medical questionnaire as accurately as possible when applying.
If you have pre-existing conditions, Cigna Global will typically handle them in one of four ways.
- The pre-existing condition will be covered as any other illness. This is usually the case with a minor pre-existing condition such as allergies.
- The pre-existing condition will be excluded.
- The policy will cover the condition but you may be charged a "rate up" to cover the additional costs associated with that condition or specific limits will be placed on any costs associated with that condition.
- Your application will be denied.
If you need to speak to an agent regarding a new policy, or would like to speak with Cigna Global Customer Care about your treatment plan, contact their Sales and Customer Care Team who can direct your call to a Cigna Global healthcare professional.
Cigna International Contact Information
Sales - For guidance on getting a quote and purchasing a new plan:
- Info@internationalInsurance.com
- United States 877-758-4881
- U.S. Direct 617-500-6738
- International +44 (20) 35450909
Service for existing customers - Cigna International phone numbers:
- For Customer Service, Call Toll-free from the U.S. 1-800-835-7677
- Telephone: UK +44 (0) 1475 788182 or
- Fax: +44 (0) 1475 492113
- Email: Cignaglobal_customer.care@Cigna.com
Cigna Global is a unit of the Cigna Insurance company. Their primary offering is the Cigna Global plan which is detailed here. The Cigna Global team does offer travel insurance on a group basis for employers worldwide. They also offer a variety of corporate group travel insurance plans and group international insurance for employers if you are interested in learning more.
For individuals seeking an international travel insurance plan, we offer some excellent options for both trip cancellation insurance and travel medical insurance.
Yes. Your Cigna Global plan will cover diagnosis, testing, and treatment associated with COVID-19, including:
- COVID-19 diagnostic visits: Cigna is waiving out-of-pocket costs for COVID-19 visits with in-network providers, whether at a provider’s office, urgent care center, emergency room, or via virtual care, through the Public Health Emergency (PHE) period, currently scheduled to end on January 16, 2022.*
- COVID-19 testing: Cigna is waiving out-of-pocket costs for COVID-19 FDA-approved testing through the Public Health Emergency (PHE) period, currently scheduled to end on January 16, 2022. Get more information on how to get tested at a center or at home [PDF].
- If you have gone out-of-network and received an unexpected bill for a COVID-19 diagnostic visit or test, Cigna's COVID-19 Customer Protection Program (CPP) can help. This COVID-19 assistance program helps resolve billing issues and is provided at no additional cost for eligible customers.2 Call the phone number on your ID card and an advocate will help you.
- COVID-19 treatment: Cigna covers medical care for COVID-19 treatment subject to standard cost-share, copay, and deductibles. Cigna covers the administration of all FDA emergency use approved (EUA) COVID-19 infusions consistent with EUA Guidelines and Cigna’s COVID-19 Drug and Biologic Therapeutics coverage policy [PDF].
*Diagnostic tests are covered for individuals with symptoms of a COVID-19 infection or who had exposure to someone with a suspected or confirmed COVID-19 infection, as well as for individuals before an elective hospital admission or procedure. Non-diagnostic and antibody tests are not covered by Cigna's standard coverage but may be covered as required by state law. For more on testing, please download the Cigna testing brochure [PDF].
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