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62308 Payer ID: What Medical Billers Need to Know in 2025

Stanley Efrem

Jun 27, 2025

Your medical practice's timely reimbursements depend on using the correct 62308 payer ID for claims submission. Claims processing becomes quick and accurate at the time you use the proper identifier for Cigna patients.

Medical billers need to know the specifics of payer ID lookup to create an efficient workflow. The Cigna payer ID 62308 routes claims to "NALC Health Benefit Plan Cigna Payor 62308" at their Chattanooga, Tennessee processing center . This payer ID differs from other codes like 13162 or 59069 and comes with unique submission requirements. The Cigna Healthspring payer ID 62308 needs special handling, particularly for cases that involve Medicare coordination.

This piece covers everything about the 62308 payer ID, its correct usage, and proven methods to process your claims smoothly in 2025.

What is a Payer ID and Why It Matters

A payer ID works like a digital address in healthcare billing that guides your claims to the right destination. This small but vital code drives the revenue cycle management process for medical practices of all sizes.

Understanding payer ID in medical billing

A payer ID is a unique identification number that healthcare payers, insurance companies and government programs use [1]. You can think of it as a short code that points claims exactly where they should go [2]. These codes usually have five characters, though the length can vary with a mix of letters, numbers or both [3].

You'll find most payer IDs on insurance cards' back side under Provider or Claims Submission [3]. Medical billers need these codes to submit claims successfully. A single insurance company often uses different payer IDs based on the plan type, state, or covered services [4].

These codes serve several key purposes:

They let provider and payer systems talk to each other [3]
They verify eligibility and benefits [3]
They help submit claims accurately [3]
They track and report claims data for financial analysis [1]

Insurance companies often use specific payer IDs for different services. To name just one example, some companies use separate codes for medical and behavioral health billing. This makes sure claims go to the right processing platforms [5].

How payer IDs streamline claim processing

Payer IDs make the entire claims process run smoother. They route documents to the right payer, which cuts down on lost or misrouted claims that cause delays [1].

These codes also speed up communication between healthcare providers and insurance companies. Providers can reach the right payer quickly when they use correct payer IDs on claims and other messages [1]. This helps them get needed information and solve problems fast.

Medical billers find contract management easier with payer IDs. They can link claims to the right payer contracts and get proper reimbursement based on agreed terms [1].

Using the right payer ID stops common billing problems. Wrong codes can lead to:

Rejected or denied claims
Payment delays
Time-consuming fixes
Cash flow problems for the practice

Behavioral health providers and those who take Medicaid need to be extra careful with payer IDs [2]. Different Medicaid programs in the same state might use unique codes, which makes billing more complex.

Medical billers should always check these codes carefully before submitting claims. This extra step helps claims reach the right place and supports quick payment [2].

Overview of Cigna Payer ID 62308

The unified payer ID 62308 makes it easier to navigate Cigna's billing system. This standard identifier has substantially simplified how claims are submitted through Cigna's health plans and services.

What does 62308 represent?

The 62308 payer ID serves as Cigna's electronic gateway to process claims. A strategic consolidation united all Cigna claims under this single identifier, whatever their product or business line might be [6]. Medical billers now find their work streamlined since they don't need multiple payer IDs for different Cigna claims.

This single code handles an impressive range of services:

Medical claims (including GWH-Cigna network)
Behavioral health services (including employee assistance programs)
Dental claims
Arizona Medicare Advantage HMO claims [7]

Billing software and clearinghouses can now route all Cigna-related claims through one consistent channel. This approach reduces confusion and prevents misrouting that happened with multiple Cigna payer IDs.

Cigna Health Plans and 62308

The 62308 payer ID works with Cigna health plans of all types. This detailed coverage extends to both traditional and specialty products:

CIGNA Health Plan HMO
CIGNA PPO and CIGNA PPA
Connecticut General CIGNA
EQUICOR and EQUICOR PPO
Cigna Health and Life Insurance Company
Cigna International Health Services
Evernorth Behavioral Health [8]

Claims for newer products like Cigna + Oscar still go through the 62308 payer ID despite their partnership structure [9]. Electronic submissions need the correct payer ID for proper routing. Paper claims need specific mailing addresses based on service type.

Mental health and substance abuse services under Evernorth Behavioral Health also use the 62308 payer ID [9]. This approach has made the submission process much simpler than before.

Cigna HealthSpring and 62308

Cigna-HealthSpring focuses on serving seniors through Medicare Advantage and other Medicare/Medicaid products [10]. This 4.5 STAR Plan ranks in the top 20% nationally and has strict quality control measures that affect how claims are processed [10].

Cigna-HealthSpring runs front-end validation checks on all Electronic Data Interchange (EDI) transactions to meet Centers for Medicare and Medicaid Services (CMS) regulations [10]. These checks ensure claims, lab results, eligibility, and encounter data follow CMS guidelines.

The standard 62308 payer ID handles Cigna-HealthSpring claim submissions. The processing rules might differ from regular Cigna plans because of Medicare coordination needs and special benefits structures.

Cigna-HealthSpring members receive 100% coverage after reaching $6,700 in out-of-pocket expenses [10]. Services that count toward this maximum include ambulance rides, dialysis, DME, home healthcare, and hospital stays. Each service has specific billing requirements but uses the same 62308 payer ID.

When and How to Use Payer ID 62308

Your billing team can save time and avoid claim rejections by using the 62308 payer ID correctly. Cigna now uses a single gateway, so you can route all claims to one Cigna payer ID no matter what product or business line you're dealing with.

In-network vs out-of-network claims

Network status with Cigna affects filing deadlines by a lot. In-network providers need to submit claims within 90 days from service date. Out-of-network providers get more time with 180 days. Missing these deadlines leads to denied claims that you can't appeal.

Cigna's PPO plans include both in-network and out-of-network benefits. The 62308 payer ID works for both, but patients pay more for out-of-network services. You should call Cigna to check benefits before providing care to understand how they'll process claims.

Cigna HMO and EPO plans are more strict. These plans need providers to be in-network because they don't cover out-of-network benefits. The 62308 payer ID must be correct here, but it won't change network rules.

Medicare coordination scenarios

The Benefits Coordination & Recovery Center (BCRC) helps manage payments for patients with both Medicare and Cigna coverage. They share Medicare eligibility data and send Medicare-paid claims to other insurers.

Arizona Medicare Advantage HMO claims still use the 62308 payer ID. This ID works for electronic claims with all Cigna's Medicare Advantage products. The system makes sure total payments from insurers don't go over 100% of the claim amount to prevent paying twice.

Mental health and substance use claims

Behavioral health services, including employee assistance programs, use the standard 62308 payer ID. Evernorth Behavioral Health processes these claims with this same ID.

Mental health claims might need extra information compared to regular medical claims. Patients can call the number on their insurance card to ask specific questions about mental health services and coverage.

Prescription drug claims

The 62308 payer ID routes your electronic prescription drug claims to the right processing system.

Mail paper claims to Cigna Medical Claims at PO Box 188061, Chattanooga, TN 37422-8061. Health Net coordination cases start with Cigna Healthcare, who then contacts Health Net.

Medicare Part D prescription coordination works through the True Out of Pocket (TrOOP) Facilitation Contractor and Part D Plans. This helps calculate patient TrOOP expenses accurately.

Claim Submission Process for 62308

Your practice's timely payments depend on submitting claims correctly with payer ID 62308. Getting the details right will give a smooth operation and better cash flow for your medical billing team.

Required claim form details

A successful claim submission to Cigna payer ID 62308 needs this key information:

Patient information: Full name, date of birth, address, phone number, and ID number (can be submitted with or without the suffix, e.g., U12345678 or U1234567801)
Provider details: Name, Taxpayer Identification Number (TIN), National Provider Identifier (NPI), and street address with nine-digit ZIP code (P.O. boxes are only permitted in the "Pay to Provider" field)
Service information: Date of service (cannot be a future date), diagnosis codes (ICD-10), procedure codes (CPT/HCPCS), place of service, and charge amount for each procedure
Additional requirements: Prior authorization numbers (if applicable) and rendering provider information

Secondary claims need the primary payer's electronic remittance advice (ERA) information. This includes payer paid amounts, claim adjustment reason codes, and the primary payer's claim adjudication date.

Where to send paper claims

When electronic submission isn't possible, send paper claims to:

NALC Health Benefit Plan Cigna Payor 62308 P.O. Box 188004 Chattanooga, TN 37422-8004

Claims with Medicare as the primary payer go to: NALC Health Benefit Plan 20547 Waverly Court Ashburn VA 20149

Electronic submission options

Electronic claims are faster, more accurate, and cost less than paper claims. You can submit through:

Your clearinghouse
Practice management system
EDI vendor

Electronic submission lets you track received claims and saves time on resubmissions. The correct Cigna payer ID 62308 must be used for all dental, medical, behavioral, and Arizona Medicare Advantage HMO electronic claims. Proper coding helps your claim reach the right processing center.

Handling rejected or delayed claims

Missing or incorrect information usually causes claim rejections rather than coverage decisions. When your claim gets rejected:

Look at the rejection reason (usually shown in red on claim management screens)
Save the clearinghouse reference number and download the rejected claim
Delete the rejected claim and fix the errors
Submit it again as a new original claim

You can check delayed claims on CignaforHCP.com. The portal lets you upload any needed supporting documentation. Electronic submission's biggest advantage is quick notification about claim acceptance or rejection through the acknowledgment system.

Common Mistakes and How to Avoid Them

Your practice could lose thousands of dollars due to billing errors with the 62308 payer ID. Let's get into common mistakes and practical ways to prevent them.

Using the wrong payer ID

Incorrect payer IDs are one of the most overlooked reasons why claims get rejected [11]. Your claim will either face immediate rejection or stay stuck in "Accepted" status without moving forward [12].

These errors usually happen when:

Clients change insurance plans without telling providers
Claims go to secondary insurance before primary processing
Clearinghouse payer IDs don't match the payer's own ID
Regional/state variations aren't factored in, especially when you have Medicare and Medicaid

Running eligibility checks before submitting claims helps avoid these problems [13]. Note that Medicare Payer IDs change by region, Medicaid IDs differ by state, and BCBS codes vary by location [11].

Missing required documentation

Your claim might be accepted at first but later get held up if Cigna needs supporting documents. Cigna will ask for any missing information [3]. They often need:

Emergency room notes
Facility or physician office notes
Anesthesia notes and time records
Operative reports
Radiology interpretations
Lab results

Electronic claims need PWK segment details (Loop 2300) showing that documentation will follow, with both delivery method and attachment type specified [3]. Don't put attachment information in the NTE segment - Cigna won't see it there [3].

Not verifying payer code updates

Payer IDs end up changing periodically, especially during annual coding updates each October 1st [14]. Outdated codes can lead to submission errors and delayed payments.

Common problems include:

Using old diagnosis codes that expired for the service date
Missing clearinghouse-specific payer ID changes
Not meeting payer enrollment requirements before submission

For Cigna claims, use the standard 62308 payer ID for everything—medical, behavioral health, and dental services [15]. Since Cigna united their approach, you don't need different IDs for different services. You should ignore any old references to multiple Cigna payer IDs.

Conclusion

The 62308 payer ID is a vital step toward efficient medical billing operations for Cigna claims. This unified identifier makes claim submission easier for Cigna health plans of all types, including medical, behavioral health, and Medicare Advantage services.

Your claims will process faster and face fewer rejections when you use the 62308 payer ID correctly. Accuracy matters at every step—from your original patient information gathering to final claim submission. Electronic submission through clearinghouses gives you the quickest path to reimbursement. Paper claims are still an option when needed.

Billing efforts can go wrong notwithstanding that. You can prevent many standard rejections by double-checking patient eligibility, using current coding standards, and attaching required documentation. On top of that, it helps to understand specific requirements for coordination with Medicare or secondary insurance. This knowledge ensures your claims process without issues.

Medical billing demands close attention to detail. Your practice will do better by setting up consistent verification procedures before submission and tracking claim status afterward. A systematic approach to Cigna claims with the 62308 payer ID will improve your revenue cycle management and cut down administrative work.

Note that Cigna's submission requirements change sometimes. The 62308 payer ID has made the process easier, but payer policies change as time passes. So, keeping up with current submission guidelines will help your practice get maximum reimbursement with minimal frustration when working with Cigna plans in 2025 and beyond.

FAQs

What is the Cigna payer ID 62308 used for?

The Cigna payer ID 62308 is a unified identifier used for submitting all types of claims to Cigna, including medical, behavioral health, dental, and Medicare Advantage claims. It streamlines the claim submission process across various Cigna health plans and services.

How long do I have to submit a claim using the 62308 payer ID?

For in-network providers, claims must be submitted within 90 days from the date of service. Out-of-network providers have a longer window of 180 days. Failing to meet these deadlines may result in denied claims that cannot be appealed.

Can I use the 62308 payer ID for both electronic and paper claims?

Yes, the 62308 payer ID is used for electronic claim submissions. For paper claims, you should send them to the specified mailing address for NALC Health Benefit Plan Cigna Payor 62308 in Chattanooga, TN. However, electronic submission is generally faster and more efficient.

What should I do if my claim using the 62308 payer ID is rejected?

If your claim is rejected, analyze the rejection reason, save the clearinghouse reference number, and download the rejected claim. Then, delete the rejected claim, make the necessary corrections, and resubmit it as a new original claim. Always ensure you're using the correct payer ID and including all required information.

Does the 62308 payer ID work for Cigna HealthSpring claims?

Yes, the 62308 payer ID is used for Cigna HealthSpring claims, including Medicare Advantage products. However, be aware that Cigna HealthSpring has implemented specific front-end validation edits in accordance with CMS regulations, which may affect claim processing.