Emergency and Urgent Care
To know when to visit an emergency room, you need to understand the difference between emergency care and urgent care, especially since the Plan pays benefits for emergency care only in the case of a true emergency, as defined below.
If you need an ambulance for emergency care in a hospital emergency room, the Plan will pay 100% of the cost.
Emergency Care
An emergency is a situation in which you have
an illness or injury that you believe is life
threatening or will cause you serious harm.
Examples of symptoms that may require emergency
care include uncontrollable bleeding and
chest pains.
If you experience symptoms that any reasonable person would consider severe enough for an emergency room visit, the Plan will cover you. It does not matter if the emergency room visit is In-Network or Out-of-Network. You or someone who can speak on your behalf must call the Cigna care coordinator, using the telephone numbers listed on your MILA/Cigna ID card within two business days of the emergency room visit.
