What is it and what do I need to do? How do I register online with Cigna? How do I register online with CVS/Caremark? Why should I go to an In-Network rather than an Out-of-Network provider? So how does the plan choose which provider is In or Out-of-Network? What if my doctor refers me to a specialist who's not in our network? What if I did all my due diligence to make sure that everyone is in-network, but later I get an out-of-network bill from an "unknown" provider that I had not expected to provide service? What about emergency room services? Do I need to worry whether the emergency room and emergency physicians are in or out-of-network? So now that I know the difference between in and out-of-network… how can I make sure my provider is in-network? What does medical plan precertification really mean? More FAQs
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