Medical Insurance Information

When you enroll your spouse or children in medical, dental, and/or vision benefits, you'll need to provide certain verification documentation for them.

• Newly hired employees must submit all dependent verification documents within 60 calendar days of your date of hire, with day 1 being your hire date.
• Documentation for any new dependents enrolled during Annual Enrollment must be submitted by November 30th each year.
• Submit documents to the Insurance & Risk Management department at [email protected] as PDFs or pictures.
• If you don't provide verification for your dependents within the required time frame, you won't be able to cover them.

IMPORTANT! Spouses are only eligible to be covered under your medical insurance if they are not offered employer group medical coverage that meets Affordable Care Act (ACA) guidelines through their employer. If your spouse is an employee of Rutherford County Schools and eligible for benefits, they are not eligible to be covered under your insurance, whether or not they have chosen to enroll in Rutherford County Schools medical insurance. 

• When you first enroll your spouse in your medical insurance and each year after Annual Enrollment, you'll need to submit the Spousal Healthcare Eligibility Affidavit. 
• If you're only covering your spouse on dental and/or vision insurance, or if you are covering your children on medical, dental, and/or vision insurance, you only need to provide verification documents the first year you enroll them or after each break in their coverage.

Your virtual ID cards are accessible through the myCigna web portal and app, but physical copies of your ID cards won't be mailed to you unless you request them from myCigna.

Review the instructions below on accessing your virtual ID cards, requesting physical ID cards, and more.

MyCigna is your all-in-one health portal for your Rutherford County Cigna medical, dental, and vision insurance - essentially, your personalized Cigna health dashboard. Through it, you can find in-network providers, keep track of your claims and pre-authorizations, and locate many resources available to you. You can also view, request, or print your medical, dental, and vision ID cards.

If you have questions about accessing, navigating, or the understanding the resources in myCigna, you can contact Rutherford County's dedicated Well-Being Coordinator, Emily Lambert, at [email protected] or 615-801-4122.

You can search for your provider in the Open Access Plus and LocalPlus networks on Cigna.com by following the steps in the instructions linked below.

Candi Turner, Cigna Senior Client Service Partner
Email: [email protected]
Phone: 727-277-6565

For questions about your claims, pre-authorizations, medical bills, plan coverage, and formulary, the best person to contact is Rutherford County's dedicated Cigna liaison, Candi Turner. She works closely with Rutherford County's medical, dental, and vision plans and is there to help you navigate your healthcare.

Emily Lambert, Cigna Well-Being Coordinator
Email: [email protected]
Phone: 615-801-4122

For questions about the resources and programs offered through your Cigna medical insurance, such as one-on-one tobacco cessation, weight loss, stress management, or chronic condition coaching, the Healthy Pregnancy, Healthy Babies program, the Omada diabetes prevention program, and more, you can contact Rutherford County's dedicated Cigna Well-Being Coordinator, Emily Lambert. She can talk with you about your goals, connect you with programs and resources, and be a cheerleader along your journey as you work toward improving your health and wellness.

Cigna Healthcare 24/7 Customer Service
Phone: 1-800-244-6224

www.Cigna.com
www.myCigna.com

MDLive is a convenient telehealth care option through your medical insurance. Beginning January 1, 2026, you will be able to access all MDLive services with a $0 out-of-pocket cost even before you've met your deductible, regardless of which medical plan you're enrolled in.

You can access MDLive through the myCigna web portal or app by clicking Talk to a doctor or Find Care and Costs.

Services offered through MDLive include: 

• Primary Care - Schedule appointments easily and quickly for preventive care, referrals, prescriptions, labwork, and diagnostic tests.
• Urgent Care - Available 24/7 for minor injuries and illness, such as infections, colds, flu, and sinus problems.
• Dermatology - No appointment required! Just upload photos and symptoms for skin, hair, or nail issues, and receive a diagnosis and treatment plan from a doctor within 24 hours.
• Behavioral Care - Schedule appointments at your convenience with licensed therapists and board-certified psychiatrists to address anxiety, stress, grief, or depression from the comfort of your own home.

Your Rutherford County medical plan enrollment gives you access to extensive resources through Cigna, including identity theft protection, gym membership discounts, personalized nutrition programs, one-on-one tobacco cessation, weight loss, stress management, or chronic condition coaching, the Healthy Pregnancy, Healthy Babies program, the Omada diabetes prevention program, mental health support, women's health resources, and more.

Contact Emily Lambert, your Cigna Well-Being Coordinator, at [email protected] or 615-801-4122 for more information.

Rutherford County's COBRA administrator is Allegiance. You can contact Allegiance with questions about COBRA benefits at 800-259-2738 or visit their website at https://askallegiance.com.

If you are eligible, Allegiance will contact you with a time-sensitive letter about continuing your medical, dental, or vision insurance once your Rutherford County coverage has ended. If you want to continue your insurance through COBRA, you will need to respond to Allegiance within the time frame established in their correspondence.