UPDATED: OCTOBER 05, 2023 | 3 MIN READ
Cigna health insurance boasts a rich history that spans over two centuries, dating back to 1792 with the establishment of the Insurance Company of North America (INA), renowned as the first marine insurance company in the United States.
However, it wasn’t until 1982 that Cigna was officially formed following the merger between INA and Connecticut General Life Insurance Company. With a global presence in over 30 countries, Cigna Global Health Benefits operates as a distinct business unit, providing unparalleled support to its vast customer base through over 1 million relationships with reputable healthcare professionals, clinics, and facilities worldwide.
Cigna pros and cons
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Affordable rates and premiums
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Large network of providers
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Health and wellness discounts
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Only available in 12 states
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Customer service reviews are negative
Health insurance review
Cigna Health Insurance boasts competitive rates that reflect its commitment to providing affordable healthcare coverage. Nevertheless, the organization faces challenges regarding plan diversity and availability, with their offerings only available across 12 states. Furthermore, while dental insurance is available in 49 states, the scope of coverage for EPO health insurance plans is restricted.
Health insurance policies offered through Cigna
Cigna is a leading provider of health insurance policies in the United States, offering a wide range of plans to meet the varying needs of individuals and families. These policies provide comprehensive coverage for medical, dental, and vision care and prescription drug benefits.
Cigna’s network of healthcare providers includes over 1 million doctors and specialists, ensuring members can access quality care when needed. With Cigna, members can also take advantage of wellness programs and tools designed to help them manage their health and make informed healthcare decisions.
Overall, their health insurance policies are designed to provide peace of mind and protection for individuals and families, helping them to stay healthy and financially secure.
- Family and individual health insurance options
- Medicare Supplement
- Medicare Advantage
- Medicare Part D
- Dental insurance
- Vision insurance
- Group/employer health coverage
Upgrades and addons
Add-ons available for Cigna healthcare enrollees include both domestic and international benefits.
- Domestic
- Outpatient and wellness care
- Dental care and treatment
- International
- International health and wellbeing
- International outpatient
- International vision and dental
- International evacuation and assistance plus
Cigna’s available discounts
Cigna health insurance plans include Cigna Health Rewards. These discounts will help lower the costs of maintaining and increasing physical and mental health.
- Cigna Healthy Rewards – Savings up to 25%
- Weight management and nutrition
- Jenny Craig fitness
- Fitness club discounts – Active & Fit Direct
- Just Walk 10,000 Steps-a-day
- Vision and hearing care discounts
- Exams
- Eyewear
- Contacts
- Lasik vision
- Hearing exams
- Hearing aids
- Alternative medicine
- Acupuncture
- Chiropractor
- Massage
- Occupational therapy
- Physical therapy
- Podiatry
- Mind/Body
- Gaiam Yago and Wellness products
- Weight management and nutrition
What you need to apply for a Cigna health insurance policy
In preparation for applying for a Cigna health insurance policy, it is advised that certain information is in hand. This proactive approach will facilitate the application process and enable you to secure the necessary coverage faster.
- Personal information
- Name
- Date of birth
- Contact information
- Current health
- Medications
- Doctors
- Subsidy qualifications
- Employment information
- Income information
FAQs
How Much Does Cigna Health Insurance Cost?
The Cigna health plan premium rates within the ACA Marketplace differ by age. A 30-year-old individual must pay an average monthly premium of about $445, while a 40-year-old would incur a monthly cost of just under $500.
How do I file a claim with Cigna health insurance?
Suppose you have personally covered the expenses for your medical treatment. In that case, it is required that you submit a claim to us to receive reimbursement for your eligible costs, subtracting any applicable deductibles or cost-sharing options you may have selected. Claim forms can be located within your welcome packet, or alternatively, they can be downloaded from Cigna’s website.
Is Cigna a PPO or HMO?
Depending on where you live, you may have access to an HMO or PPO option. Plans will vary depending on location, so it’s best to speak with a licensed broker to see the plans available in your area.
- Arizona
- California
- Colorado
- Connecticut
- Florida
- Georgia
- Maryland
- Missouri
- North Carolina
- South Carolina
- Tennessee
- Texas
What states does Cigna health insurance offer plans in?
Cigna’s reach extends to over 30 countries, catering to the healthcare needs of more than 86 million customers. With an unwavering commitment to excellence, they have become a global healthcare benefits landscape leader. Presently, they offer medical plans in 12 states, providing top-of-the-line healthcare services to their customers.
Compare Cigna health insurance policies
When choosing a health insurance policy, comparing your options is important. Cigna offers a variety of health insurance policies that can suit different needs and budgets. Their policies range from comprehensive coverage, including doctor visits to prescriptions, to more basic plans that cover only essential healthcare services.
Fill out our online request form, or call us to compare health insurance plans. You can view the top health insurance coverage in your area.
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