Cigna and Evernorth Billing Guide for Therapists and Psychiatrists

Cigna Healthcare is the insurance arm of The Cigna Group. Evernorth is its health services arm, and Evernorth Behavioral Health manages mental health benefits for many Cigna plans. If you treat Cigna members, you will bill one payer ID but work with two sets of rules. This page sorts them out.

Checked 10/1/26. Cigna's footprint is changing in 2025 to 2027. Confirm before you rely on any state-level detail.

Cigna at a glance

Which states does Cigna serve?

Cigna publishes a list for individual plans, not for employer plans. The picture below is what Cigna's own pages say.

• Individual and family (ACA) plans, 2026. Cigna offers them in 11 states: Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Mississippi, North Carolina, Tennessee, Texas and Virginia (Cigna). Of MCM South's ten states, that covers Colorado, Florida, Georgia, Illinois, North Carolina, Tennessee and Texas. Massachusetts, Connecticut and New York are not on the list. Cigna says it will stop offering individual and family medical plans for 2027, and KFF reports the same.
• Small employer plans. Cigna's small group page lists Arizona, Georgia and Tennessee. It says Cigna stopped fully insured small group plans in Georgia and Tennessee on November 1, 2025.
• Employer and self-funded plans. Cigna does not publish a state-by-state list that we could verify. Read the ID card.
• Medicare. Cigna sold its Medicare Advantage, Part D and supplemental business to Health Care Service Corporation (HCSC) in March 2025 (Healthcare Dive). That business now runs as HealthSpring under payer ID 52192. Claims sent through the old Cigna Medicare gateway reject as of March 18, 2026 (HealthSpring notice).

Payer IDs and the plans under each one

Payer ID 62308 covers more than one Cigna product.

Where claims and appeals go

• Paper claims. Cigna tells providers to use the address on the patient's ID card. We found no single Cigna commercial claims PO box in current provider guides, so we do not list one. A "G" ID card (an administrator-run plan) has its own appeals path.
• Appeals, standard Cigna. Cigna National Appeals, PO Box 188011, Chattanooga, TN 37422. Fax 877.815.4827 (Cigna contact sheet).
• Appeals, Evernorth behavioral. Evernorth Behavioral Health, Central Appeals Unit, PO Box 188064, Chattanooga, TN 37422.
• Cigna + Oscar disputes. PO Box 52146, Phoenix, AZ 85072-2146.
• Medicare (HealthSpring). Paper claims go to PO Box 23456, Chattanooga, TN 37421.

Timely filing exceptions. Cigna allows exceptions where the law requires a longer period, where your contract says so, for coordination of benefits (COB, claims where another insurer pays first), and for extraordinary circumstances. Document everything.

Behavioral health: Evernorth

• Private payer. Evernorth Behavioral Health manages behavioral health for Cigna HMO, OAP and PPO plans and for EAP plans (Evernorth provider administrative guide). On Cigna + Oscar plans too.
• Credentialing. Through CAQH ProView. You must re-attest every 120 days (180 days in Illinois). Evernorth needs access to your CAQH profile. Application is in the Evernorth provider portal under My Practice, then Contracting (Evernorth join page).
• Telehealth. Evernorth allows it. Clinics that only offer telehealth file a Telehealth-Only Service Location Form. We did not find Evernorth's telehealth place-of-service and modifier rules, so confirm with Provider Services.
• Psychiatrists. Medication management uses E/M codes plus add-on codes. See our CPT and E/M code guide.
• Recruiting contact. 1-888-736-7499, .

Medicare, Medicaid and state law: keep them separate

• Private payer. Everything above on payer ID 62308 and Evernorth is commercial.
• Medicare. Cigna no longer runs Medicare Advantage. Use HealthSpring's rules and ID for those members, and see CMS for Medicare policy.
• Medicaid. Cigna is not covered here. Check the state Medicaid agency.
• State law. Each regulator in the table sets rules for fully insured plans. Self-funded employer plans fall under federal law instead, so state mandates may not apply.

What to do Monday morning

1. Look at the card. Is it Cigna, a Cigna-network plan under another insurer, or a "G" ID?
2. Submit claims electronically under 62308, with Availity or your clearinghouse.
3. Track the 90-day deadline for in-network claims.
4. Re-attest in CAQH on a 120-day calendar (180 in Illinois).
5. If a Medicare member shows up with a Cigna card, check HealthSpring's rules before you bill.

How MCM South handles Cigna billing and Evernorth claims

MCM South bills Cigna and Evernorth plans for psychotherapists and psychiatrists. We verify benefits, submit claims electronically, follow up on denials and appeals, and handle credentialing and EAP claims. Get a free quote.

Frequently asked questions

What is the Cigna payer ID?

It is 62308 for Cigna medical, behavioral, EAP, dental and Evernorth claims, per Cigna's own claims guide.

How long do I have to file a Cigna claim?

90 days from the date of service if you are a participating provider, and 180 days if you are not. Exceptions exist for law, contract terms, COB and extraordinary circumstances.

Who manages Cigna behavioral health?

Evernorth Behavioral Health manages behavioral health for Cigna HMO, OAP, PPO and EAP plans.

Does Cigna still offer Medicare plans?

No. Cigna sold that business to HCSC in March 2025. It now runs as HealthSpring.

Sources (checked 10/1/26)

Cigna and Evernorth provider guides; Cigna individual and small-group plan pages; Healthcare Dive; KFF; HealthSpring; state regulators. Links inline.

Related guides: Private Insurances hub · Billing Terms Glossary · Who We Serve · All resources.