Cigna Behavioral Health Appeals in Wisconsin
Appealing a Cigna behavioral health denial in Wisconsin means tracking two separate clocks: Cigna's own 30-day Level-1 appeal window, and Wisconsin's 30-day prompt-payment statute (Wis. Stat. § 628.46) for clean-claim payment. This guide covers both, plus Cigna's filing address and Wisconsin's parity protections.
Where to file your Cigna appeal
P.O. Box 188004
Chattanooga, TN 37422
Wisconsin's prompt-payment window
In Wisconsin, state-regulated (fully-insured) plans — including many Cigna plans — generally must pay or formally respond to a clean claim within 30 calendar days under Wis. Stat. § 628.46. This deadline does not bind self-funded ERISA plans. This is a claim-payment deadline, not the appeal-decision deadline. If Cigna missed this window on your claim, cite it as a separate payment violation alongside your Cigna appeal — not as the deadline for the appeal decision itself.
An insurance claim is overdue if not paid within 30 days after the insurer is furnished written notice of the fact of a covered loss and of the amount of the loss (Wis. Stat. § 628.46(1)). The statute begins "Unless otherwise provided by law." This is a claim-payment deadline, not an appeal-decision deadline.
MHPAEA parity for Cigna in Wisconsin
Federal MHPAEA (29 USC § 1185a; 29 CFR § 2590.712) applies to Cigna's group health plans operating in Wisconsin. The CAA 2021 § 203 disclosure duty requires Cigna to produce its NQTL comparative analysis on request.
Cigna's parity posture: Cigna is subject to federal MHPAEA parity requirements for its commercial/ERISA plans. Explicitly invoke 29 CFR § 2590.712 and request the Non-Quantitative Treatment Limitation comparative analysis in writing.
State-level parity laws may add further protections in Wisconsin — check with the state's Department of Insurance for current guidance.
Common Cigna denial codes
Wisconsin's insurance commissioner
If your internal Cigna appeal is denied, Wisconsin's Department of Insurance can help with a complaint or external review for fully-insured plans. Look up the official contact via the NAIC consumer locator.
Note: self-funded ERISA plans are generally exempt from state insurance regulation. If your patient's Cigna plan is employer-sponsored and self-funded, your remedies run through the U.S. Department of Labor (EBSA) rather than Wisconsin's commissioner.
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Generate my appeal letter →Frequently asked questions
How long does Cigna have to respond to an appeal in Wisconsin?
Cigna generally has 30 calendar days to respond to a Level-1 appeal. Separately, Wisconsin's prompt-payment statute gives payers 30 days to respond to a clean claim (Wis. Stat. § 628.46) — a different deadline governing claim payment, not the appeal decision.
Does MHPAEA apply to Cigna in Wisconsin?
Generally, yes — for Cigna's group health plans. Federal MHPAEA (29 CFR § 2590.712) applies to Cigna's group health plans in Wisconsin. Request Cigna's NQTL comparative analysis under CAA 2021 § 203.
Where do I mail or fax a Cigna appeal?
Mail to Cigna Healthcare Appeals, P.O. Box 188004, Chattanooga, TN 37422. You can also fax to 1-855-462-4426. This address is the same nationally, including for Wisconsin providers.