Why Choose AccessHMO for Cigna Global Health Insurance?
Cigna Global health insurance, with AccessHMO’s personal guidance and decades of U.S. and European experience.
Choosing health insurance abroad means considering more than the premium. You need to understand where you can receive care, how your policy works, and how it fits with insurance you already have.
AccessHMO helps you bring these decisions together—with practical healthcare information, personalized advice, and experience spanning U.S. health insurance, Medicare, and European public and private healthcare
What’s the Difference When You Choose AccessHMO?
Cigna provides your insurance coverage under the terms of your policy. AccessHMO adds experienced, personalized guidance: helping you compare options, navigate the application, and review how your international insurance fits your wider healthcare needs
Find a Doctor by country
Our country-specific guides bring together practical information about hospitals, clinics, and doctors to help you seek healthcare abroad. These resources complement Cigna’s own information and help you explore local medical facilities.
We also help you understand what to confirm before treatment, including coverage, preauthorization, and direct billing
Explore opportunities to save
We review plan design, deductibles, geographical coverage, and eligibility for available discounts to identify opportunities to reduce your costs.
Whether you are considering a new policy or reviewing existing coverage, we help you ask the right questions before deciding.
Consider your existing coverage
We help you compare Cigna Global with—or consider how it may complement:
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U.S. employer-sponsored health insurance.
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U.S. Medicare and supplemental coverage.
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European public and private health insurance.
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An existing Cigna Global or other international private medical insurance policy.
Our guidance helps you identify potential gaps, unnecessary duplication, and coverage choices suited to where you live and receive care.
Pioneering health insurance work for foreigners in the Czech Republic
Our leadership helped develop private health insurance solutions for foreign residents in the Czech Republic, including cooperation with VZP. That experience informs our understanding of the challenges people face when navigating healthcare outside their home country.”
Already Insured? Start with a Review.
Whether you already have Cigna Global, another international policy, Medicare, employer coverage, or European insurance, AccessHMO can help you consider your options before making a change.
Portugal: +351 217 527 016
Czech Republic: +420 222 254 442
U.S. / International: +1 305-564-7148
U.S. toll-free: +1 877-238-4581
Learn more about our background
Coverage, provider payment arrangements, and discounts depend on the applicable policy terms, eligibility, and insurer approval.