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Cigna Claim Denied? The 14-Day Deadline You Must Know
March 20, 2026
8 min read
Cigna has some of the strictest appeal deadlines in the industry. Some Cigna plan types require appeals within just 14 days. Missing this deadline can forfeit your appeal rights entirely.
Cigna's Appeal Deadlines
•Standard plans: 180 days from denial
•Certain employer plans: As few as 14 days
•Pre-service (before treatment): 180 days
•Post-service (after treatment): 180 days
•Urgent/concurrent: 180 days but request expedited review
Check your plan documents for your specific deadline.
How to File a Cigna Appeal
1.Call 1-800-244-6224 to confirm your exact deadline
2.Mail appeal to: Cigna Appeals, P.O. Box 188011, Chattanooga, TN 37422
3.Fax to: 1-859-410-3130
4.Keep proof of submission
Cigna-Specific Tips
•Reference Cigna Medical Coverage Policies by number
•Request concurrent review if treatment is ongoing
•Include clinical notes and test results
•Cite Williams v. Cigna (N.D. Ill. 2023) for experimental denials