How to Submit a Superbill to Cigna for Therapy Reimbursement

Cigna Out-of-Network Process

Cigna members can submit OON superbills through the mycigna.com member portal using the "Submit a Claim" feature, or by mailing a completed claim form to the OON claims address on their insurance card. Cigna's online portal provides real-time claim tracking and typically confirms receipt within 5 business days. Members should retain a copy of all submitted documents for their records.

Common Denial Reasons

• ✗Provider is identified as in-network with Cigna in any state, voiding OON benefits in some plans
• ✗Superbill does not include the rendering provider's taxonomy code
• ✗Session dates fall outside the plan's mental health benefit year
• ✗Duplicate claim submitted — Cigna flags re-submissions automatically

Tips for Getting Reimbursed by Cigna

• ✓Clients should verify their OON mental health deductible separately from their medical deductible
• ✓Cigna's Evernorth subsidiary handles some behavioral health benefits — confirm the correct claim address
• ✓Include your taxonomy code (e.g., 101YM0800X for mental health counselors) on every superbill
• ✓Cigna offers a price transparency tool so clients can estimate reimbursement before submitting