Cigna Insurance Reviews 2023

Overview

No. of reviews: Consumer Affair (715), Trustpilot (1,781), BBB (121) | Total (2,617)

No of ratings: Consumer Affair (3.5), Trustpilot (4.1), BBB (1.2) | Avg Rating (2.94)

Address: Bloomfield, Connecticut, United States (Headquarter)

Phone: 1 (800) 997-1654

Navigating the world of health insurance can be overwhelming, especially when there are so many providers to choose from. One such provider is Cigna Insurance. In this blog post, we examine Cigna Insurance from every angle, covering its history, range of insurance products, and Medicare Advantage plans. We also share customer reviews and third-party ratings, giving you an unbiased view of Cigna’s performance. By the end of this review, you’ll be able to make an informed decision about whether Cigna Insurance is the right choice for you.

Cigna Insurance: Outlook

Cigna Insurance is one of the largest health insurance providers in the United States, serving over 180 million customers worldwide. The company has a long history and has grown to become a leading provider of health, dental, disability, and life insurance. The company has since gone through several name changes and mergers, ultimately becoming Cigna Corporation in 1982. With a mission to help people improve their health, well-being, and sense of security, Cigna Insurance offers a range of coverage options designed to meet the diverse needs of its customers. Today, Cigna is a global health services organization that provides a wide range of insurance and health-related services to customers in over 192 countries.

Their services include:

• Health insurance
• Dental insurance
• Vision insurance
• Disability insurance
• Life insurance
• Accident insurance
• Critical illness insurance

In addition to insurance, Cigna also offers various health and wellness programs, such as virtual care services, wellness coaching, and chronic condition management.

Cigna Insurance: Everything to Know About in 2023

Cigna Insurance offers a wide range of coverage options to meet the diverse needs of its customers. Here are some of the things you need to know about Cigna Insurance:

Coverage Options and Benefits:

Cigna offers a variety of health insurance plans, including HMOs, PPOs, EPOs, and POS plans. These plans provide coverage for preventive care, doctor visits, hospital stays, prescription drugs, and more. Cigna also offers dental and vision insurance, as well as supplemental insurance plans like disability and life insurance.

One of the unique features of Cigna Insurance is its focus on whole-person health. In addition to traditional healthcare services, Cigna offers programs and services that address the physical, mental, and emotional aspects of health. These include stress management, weight management, tobacco cessation, and more.

Enrollment Process:

Enrolling in Cigna Insurance is a relatively straightforward process. You can enroll online, by phone, or through an agent. You will need to provide some basic information about yourself, your family, and your healthcare needs. Once enrolled, you will receive a welcome package that includes your plan details, member ID card, and other important information.

Network of Healthcare Providers:

Cigna Insurance has an extensive network of healthcare providers, including doctors, hospitals, and clinics. In most cases, you will need to choose a primary care physician who will coordinate your care and refer you to specialists as needed. You can search for healthcare providers in your area using Cigna’s online provider directory.

Cigna’s Mobile App and Online Tools:

Cigna offers a mobile app and online tools that make it easy to manage your healthcare benefits on-the-go. With the Cigna mobile app, you can access your plan information, find healthcare providers, and even schedule appointments. Cigna’s online tools also allow you to track your healthcare expenses, view your claims history, and compare healthcare costs.

 

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Cigna Medicare Advantage Plan

Cigna offers several Medicare Advantage plans, which provide comprehensive healthcare coverage for individuals who are eligible for Medicare. Here are some of the things you need to know about Cigna’s Medicare Advantage plans:

Individual and Families Health Plan:

Cigna’s individual and family health plans are designed to provide comprehensive coverage for individuals and families of all ages and healthcare needs. These plans provide coverage for medical expenses, prescription drugs, and other healthcare services, as well as wellness programs and other health management services. It has international health plans for:

• Global Professionals
• Families
• Retirees
• Students

Employers Health Plan:

Cigna’s employer health plans are designed to provide comprehensive coverage for businesses of all sizes and industries. It provides health coverage for small and medium sized enterprises which includes:

• International Health Plans (up to 99 globally mobile employees)
• UK Dental Plans (up to 99 employees)
• Spain Medical Plans (up to 149 employees)

IGO/NGO & Government Health Plans

Cigna provides health insurance plans for IGO/NGO and government entities, including federal, state, and local government employees. These plans offer comprehensive healthcare coverage for eligible individuals and their families and are designed to meet the unique healthcare needs of government employees and their dependents. Their plan includes products such as:

• Health Plans for Intergovernmental Organizations (IGOs)
• Health Plans for Non-Governmental Organizations (NGOs)
• International Health for Ministries and Diplomats

Cigna Health Insurance Reviews: Customers and Third-Party Rating

Cigna’s customer reviews are mixed. Some customers praise the company’s wide range of coverage options and excellent customer service, while others complain about high premiums and limited coverage in certain areas. Here are some of the common themes that emerge from customer reviews of Cigna’s health insurance plans:

Third Party Rating

Cigna’s health insurance plans have received mixed reviews from third-party ratings agencies. Here are some of the key ratings for Cigna’s health insurance plans:

JD Power: In the 2020 JD Power US Commercial Member Health Plan Study, Cigna received an overall score of 721 out of 1,000, which is below the industry average of 731. Cigna performed well in the customer service category but received lower scores for coverage and benefits.

AM Best: Cigna has an A rating from AM Best, which indicates a strong financial standing and the ability to meet its obligations to policyholders.

Related Insurance Coverage 

Life Insurance

Our Thought: Is Cigna a Good Insurance Company?

With a focus on whole-person health and innovative solutions like its mobile app and online tools, Cigna is well-positioned to meet the evolving needs of its customers.

While Cigna’s customer reviews and third-party ratings are mixed, the company’s strong financial standing and commitment to ethical business practices make it a reliable choice for many customers. You can find dissatisfaction of customers for coverage and claims in BBB but also can see the praise for affordable health plans in other reviewing sites. If you’re considering a Cigna health insurance plan, it’s important to carefully review the coverage options, read customer reviews, and talk to independent insurance agents to determine which plan is right for you.

Researching and talking to independent agents can help you get a better understanding of the different options available to you and find the plan that best fits your needs and budget.

Sources

• SP Global 
• JD Power
• NCAQ Health Insurance
• Cigna.com