How to Appeal a Cigna Insurance Denial

Cigna (now The Cigna Group) is a major health insurer covering millions of Americans. This guide walks you through their specific appeal process and strategies for successful reversals.

Cigna Appeal Process

Internal Appeal

  • File within 180 days of denial
  • Submit via mycigna.com, mail, or fax
  • Cigna provides two levels of internal appeal
  • Include supporting documentation: medical records, doctor's letter, peer-reviewed studies

External Review

  • Available after internal appeals are exhausted
  • File through your state or the federal external review process

Cigna-Specific Tips

  1. Cigna Coverage Policies are available on cigna.com — review the applicable policy
  2. myCigna.com portal for claim tracking and appeal submission
  3. Request the medical director's credentials who reviewed your case
  4. Peer-to-peer review available through Cigna provider services
  5. Cigna's Patient Advocacy Program may assist with complex cases

Key Contact Information
DepartmentContact
Member Services1-800-244-6224
AppealsAddress on denial letter
| Website | cigna.com / mycigna.com |

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Frequently Asked Questions

How long does Cigna take to decide an appeal?

Cigna must decide standard pre-service appeals within 30 days, post-service appeals within 60 days, and urgent appeals within 72 hours per federal requirements.

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