Where to log in and pay your Cigna premium
Cigna's online payment portal is at www.cigna.com. You log in with the username and password you created when you first set up your account, or you can use your Social Security number and date of birth if you do not have a username yet. Once logged in, you will see your account dashboard, which displays your current bill amount, due date, and payment history.
If you have never logged in before, you will need to create an account. Go to the Cigna homepage, select "Log In" in the upper right, then choose "Create Account." You will be asked for your policy number (found on your insurance card), your date of birth, and your email address. Cigna will send you a confirmation link — check your email and click it to finish setting up your login.
Once your account is active, you can pay from the "Billing" or "Pay My Bill" section of your dashboard. You will enter your payment method — debit card, credit card, or bank account — and the amount you want to pay. Cigna processes most online payments the same business day if submitted before 5 p.m. Eastern time.
Key Takeaways
- Log in at www.cigna.com with your username and password, or create a new account using your policy number and date of birth.
- Your bill amount and due date appear on your account dashboard as soon as you log in.
- You can pay by debit card, credit card, or bank account transfer through the online portal.
- Payments submitted before 5 p.m. Eastern time are usually processed the same business day.
- If you cannot access your account online, you can call Cigna's customer service number on the back of your insurance card to pay by phone.
What to do if you forgot your password
On the Cigna login page, click "Forgot Username or Password?" You will be asked to enter your policy number or email address. Cigna will send a password reset link to the email on file — click the link and create a new password. The reset link expires after 24 hours, so complete this step the same day you request it.
If you do not receive the email within a few minutes, check your spam or junk folder. If the email never arrives, call the customer service number on the back of your Cigna card and a representative can help you regain access to your account or process a payment over the phone instead.
Paying by phone or mail if you cannot use the website
The customer service number on the back of your Cigna insurance card connects you to a representative who can take your payment over the phone. Have your policy number and payment method (debit card, credit card, or bank account) ready. Phone payments are processed the same day if you call before the cutoff time listed on your bill.
You can also mail a check or money order to the address printed on your bill statement. Write your policy number on the check and mail it to the address shown under "Payment Address" — do not send payment to Cigna's general office address. Mail payments typically take 7 to 10 business days to post to your account, so mail early if your due date is approaching.
Understanding your bill and due dates
Your Cigna bill shows the premium amount you owe, the due date, and any balance from previous months. The due date is usually the same day each month — for example, the 15th or the 1st — depending on when your coverage started. If the due date falls on a weekend or holiday, Cigna typically extends the deadline to the next business day.
If you pay late, Cigna may charge a late fee or suspend your coverage, depending on your plan and state law. Some states require a grace period of 30 days after the due date before coverage can be terminated, while others allow termination sooner. Check your plan documents or call customer service to understand your state's rules.
Setting up automatic payments
The Cigna website allows you to set up automatic monthly payments so you do not have to log in and pay manually each month. When you log into your account, look for "Manage Autopay" or "Set Up Automatic Payments" in the billing section. You will choose your payment method (bank account or card) and the date each month when the payment should be taken.
Automatic payments can be changed or stopped at any time through your account dashboard. If you need to adjust the payment amount or pause payments temporarily, log in and update your autopay settings. Cigna will send you a confirmation email each time a payment is processed.
What happens if you miss a payment
If your payment is not received by the due date, Cigna will send you a notice — usually by mail or email — reminding you that payment is overdue. The notice will state how many days you have before your coverage is at risk. In most states, you have a grace period of at least 30 days after the due date to pay without losing coverage, though some states allow shorter grace periods.
If you miss a payment and your coverage is terminated, you will need to contact Cigna to reinstate it. Depending on how long the coverage lapsed, you may be required to pay the overdue amount in full plus any late fees, or you may need to reapply for coverage. If you are having trouble paying your premium, contact Cigna's customer service to ask about payment plans or hardship options that may be available.
Frequently Asked Questions
Can I pay my Cigna bill without logging into an account?
Yes. You can pay by phone using the number on the back of your insurance card, or by mailing a check to the payment address on your bill. Both methods work without creating an online account, though having an account lets you track your payment history and see your next due date anytime.
Is there a fee to pay my bill online?
No. Cigna does not charge a fee for paying your premium through their website. If you pay by phone, there is also no fee. Some third-party payment services may charge a fee if you use them instead of Cigna's official portal, so pay directly through www.cigna.com to avoid extra charges.
How long does it take for my online payment to show up in my account?
Payments submitted before 5 p.m. Eastern time usually post to your account the same business day. If you pay after 5 p.m. or on a weekend, the payment may not process until the next business day. You will receive a confirmation email immediately after you submit payment.
What if my payment was rejected?
Cigna will send you a notice explaining why the payment failed — usually because the card or bank account information was incorrect or the account had insufficient funds. Log back into your account, update your payment method, and try again. If the problem persists, call customer service for help.
Can I change my payment due date?
Your due date is set based on when your coverage began and is typically the same day each month. Contact Cigna customer service to ask if your due date can be moved — some plans allow this change, while others do not. If a change is possible, it usually takes effect in the following billing cycle.