Finding care & providers
How do I find a doctor in my network?
Where you search depends on your plan's network.
Cigna plan members: go to
cgshealth.com/cigna and follow the prompts.
MultiPlan plan members: go to
cgshealth.com/multiplan and follow the prompts. Not sure which network you're on? Check your ID card or call Member Services at (844) 515-7095.
My provider says Cigna doesn't recognize my name. What's going on?
This is normal. Your health plan leases the Cigna network through Cigna Payer Solutions, so Cigna's direct retail system won't recognize your name — and providers who verify through an exchange or clearinghouse may not find you in the Cigna-direct network. You and your provider should always call CGS Health Member Services at (844) 515-7095 to verify eligibility and benefits.
What is One Call?
One Call is our network of
discounted advanced imaging — MRI, PET, and CT scans. Before scheduling imaging, ask Member Services or use the
One Call provider lookup to find a participating facility and save on your out-of-pocket cost.
ID cards, claims & bills
How do I get a new or replacement ID card?
Log in to your member portal, download a temporary ID card right away, and request a new one. Note: only the subscriber and spouse receive printed ID cards — by default, dependents do not get their own card.
How do I read my ID card?
Your card carries everything a doctor's office or pharmacy needs to verify coverage — member and group IDs, pharmacy (Rx) details, your networks and copays, and where to submit claims. Depending on your plan's
network structure, your card looks like one of these two layouts. Click either to view the full annotated guide.
How are claims submitted?
In most cases, your provider submits claims directly to CGS Health. If a claim was not submitted by your provider, contact CGS Health Member Services and we'll help you get it submitted.
I don't understand my Explanation of Benefits (EOB). Can someone help?
Absolutely. Contact CGS Health Member Services at (844) 515-7095 and we'll walk you through your EOB line by line so you understand what was covered and what you owe.
Care options & pre-certification
How do I use Teladoc telemedicine?
Teladoc is included
free with every CGS Health plan — instant, 24/7 access to a board-certified physician from home, with no copay. Before your first visit, complete a profile for yourself and each eligible dependent at
teladoc.com or by calling 1-800-Teladoc. Teladoc can treat cold & flu, skin issues and rashes, sore throats, travel illness, and much more.
What can I do in the member portal?
Quite a lot. Print or request ID cards for yourself, spouse, and dependents; view your coverage and benefits — including deductibles, copays, co-insurance, out-of-pocket limits, and preventative benefit usage; check claim status and EOBs; track claims as they move through processing; and search for in-network providers. Portal: mycgshealth.com.
What is pre-certification and when do I need it?
Certain services and prescriptions require prior authorization under your plan before they're covered. Contact CGS Health Member Services to obtain pre-certification ahead of receiving those services.
Plan changes & coverage
Can I change my plan during the year?
Unless you have a qualifying life event — such as marriage, the birth of a child, or loss of other coverage — you'll need to wait for your company's open enrollment to change plans. Questions about whether your situation qualifies? Contact CGS Health Member Services.
How do I add or check eligibility for a dependent?
Eligibility varies from group to group and plan to plan. Please contact your HR representative for questions about who is eligible and how to enroll dependents on your plan.
Where can I find the Machine-Readable Files (MRFs)?
Under the federal Transparency in Coverage rule, machine-readable files of in-network rates and out-of-network allowed amounts are publicly available.
Access the MRFs here.
