Preferred Facility Guidance (PFG)

Choose high-quality hospital facilities and put more money in your pocket.

Facilities below are listed in alphabetical order by city and state.

Find a Preferred Facility

See Full List

Be better prepared by knowing where to go. Use the Preferred Facility1 Guide to find locations in your area. For customers residing in Salt Lake City, UT and Reno, NV, a designated Preferred Facility may not be available.

Why use one of our designated facilities?

When you do, you will receive a higher cash benefit payout on your Supplemental Health claim. Going to a preferred facility leads to better health outcomes:

You will spend less time in the hospital2:

1 day less on average3

You are less likely to need inpatient hospital readmission:

15% less/year3

Over 84% of Cigna Supplemental Healthcare customers live within

30 minutes of a Preferred Facility.3

      What's covered

      Cigna Healthcare’s PFG benefit pays a fixed benefit for a hospital stay at a designated facility, resulting from a covered injury or illness, for example:

      • Hospital admission
      • Daily hospital and ICU stays
      • Hospital admissions for chronic condition
      • Hospital observation stays

      Standard Plan

      The example below is for illustrative purposes only and shows the payout difference between using a Preferred Facility and a facility not designated as "Preferred.":

      Tier 1 Tier 2
      Standard Plan Place of service designated as Supplemental Health Preferred Facility Benefits paid at 125% Place of service NOT designated as Supplemental Health Preferred Facility Benefits paid at 100%
      Hospital Admission (Non-ICU) $1,250 $1,000
      Hospital Admission (Non-ICU) $1,250 $1,000
      Hospital Chronic Condition Admission $62.50 $50
      Hospital Stay $125 $100
      Hospital Intensive Care Unit Stay $250 $200
      Hospital Observation Stay $125 $100

      Exclusions and Limitations

      Hospital Care Indemnity:

      • Hospital admission: Benefits are payable once per day, limited to one day per admission and one benefit every 365 days. Covered person must be admitted as an inpatient to the hospital. Excludes treatment in an emergency room or provided on an outpatient basis, or for readmission for the same covered injury or illness (including chronic conditions).
      • Hospital intensive care unit (ICU) stay and hospital stay: Benefits are payable once per day, limited to 10 days and one benefit every 365 days. Stays within 90 days for the same/related injury or illness are considered one stay. Covered person must be admitted as an inpatient and confined to the hospital. If eligible for both benefits, only one benefit will be paid per day, whichever is greater.

      Benefits may not be paid for any loss that is the result of: Intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane; Commission or attempt to commit a felony or an assault; Declared or undeclared war or act of war; Active duty service in the military, naval or air force of any country or international organization (Reserve or National Guard active duty training extending beyond 31 days); Voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless taken as prescribed by a physician; Operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant; Services deemed by the insurer as not being medically necessary; Elective or cosmetic surgery; Dental surgery, unless due to accidental injury; or Services or treatment rendered by a person employed or retained by the covered person, providing homeopathic, aromatherapeutic or herbal therapeutic services, living in covered person’s household, or who is a parent, sibling, spouse or child of the covered person.

      1. The designation of “preferred” does not automatically mean it is in network. Customers must ensure the facility they choose is also in network with their medical provider. For customers residing in Salt Lake City, UT and Reno, NV, a designated Preferred Facility may not be available.
      2. The term Hospital does not include a clinic or facility for: (1) rehabilitation, convalescent, custodial, educational, hospice, or skilled nursing care; (2) the aged, drug addiction or alcoholism; or (3) a facility primarily or solely providing psychiatric services to mentally ill patients. The term Hospital also does not include a unit of a Hospital for rehabilitation, convalescent, custodial, educational, hospice, or skilled nursing care. Please refer to your plan documents as the actual definition of “Hospital” may vary by policy.
      3. Based on Cigna Healthcare’s Book of Business, 2023.

      All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT).

      975051 11/23 © 2023 Cigna Healthcare.