Haris Ashley
Cigna is a health insurance company that offers a range of insurance plans and products to meet the diverse needs of its customers. With a focus on holistic well-being, Cigna provides medical, dental, pharmacy, and supplemental health benefits, as well as international health insurance plans for those living or working abroad. The company has a global presence, offering support in over 200 countries and territories, and its health plans are designed to be cost-efficient and comprehensive. Cigna's mission is to empower its customers with the information and resources they need to make informed choices about their health, providing peace of mind and improved health outcomes.
| Characteristics | Values |
|---|---|
| Company Type | For-profit managed healthcare and insurance company |
| Company Headquarters | Bloomfield, Connecticut, USA |
| Company Incorporation | Delaware, USA |
| Company Ranking | #15 in the 2023 Fortune 500 list of largest U.S. corporations by total revenue; 68th in the 2023 Forbes Global 2000 ranking |
| Company Presence | Over 200 countries and territories worldwide |
| Network | 1.5 million health professionals |
| Customer Service | 24/7 in over 50 languages |
| Insurance Types | Medical, dental, disability, life, accident, vision, hearing, and pharmacy |
| Insurance Plans | Individual, family, and employer-sponsored |
| Insurance Features | Virtual care, preventive care, direct payment agreements, discounts, spending accounts, worldwide health insurance, international travel support |
| Insurance Availability | Product availability varies by state |
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What You'll Learn
Cigna's health insurance plans for individuals and families
Cigna offers a wide range of health insurance plans for individuals and families. These plans are designed to meet the unique needs of each person, with a focus on both physical and emotional well-being.
Cigna's individual and family health insurance plans offer comprehensive coverage, including medical, dental, and vision care. These plans provide access to a network of healthcare providers, including doctors, dentists, and specialists. Cigna also offers prescription drug coverage, with preferred drugs available for as low as $0-$3 on most plans.
One of the key features of Cigna's health insurance plans is the emphasis on personalized support. Members can access virtual care services, such as virtual urgent care and virtual wellness screenings, at a low cost or even for free. Cigna also provides 24/7 access to board-certified doctors and licensed clinicians, ensuring that members can get the medical help they need anytime, anywhere.
Additionally, Cigna offers international health insurance plans for those who live, work, retire, or study abroad. These plans provide global support through a network of hospitals and medical professionals in over 200 markets and territories worldwide. Cigna's international plans are tailored to meet the specific needs of individuals and families living abroad, ensuring they have access to quality healthcare no matter where they are.
Cigna also understands that healthcare needs change over time. As such, they offer supplemental insurance policies that provide additional coverage and cash benefits for various situations, including cancer, hospitalization, stroke, accidents, and life insurance.
Lastly, Cigna's Take Control Rewards Program is available to all primary subscribers of Cigna Healthcare medical individual and family plans who are 18 years of age or older. This program offers discounts on certain goods and services, although it is important to note that these discounts are considered taxable income.
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Cigna's international health insurance plans
Cigna is a highly reputable worldwide insurance provider that caters to individuals and families living, working, retiring, or studying abroad in more than 200 countries and territories worldwide. The company has more than 60 years of experience in supporting companies with domestic, expat, and globally mobile employees. Cigna's international health insurance plans are comprehensive, flexible, and designed to meet all your needs. The plans are customizable, allowing you to choose and only pay for the coverage you require.
Cigna's international health plan offers three levels of coverage: Cigna Silver, Cigna Gold, and Cigna Platinum. Each plan provides coverage for inpatient and day-patient care, with the option to add outpatient care and other elective modules. The Silver plan has a benefit limit of $1,000,000, Gold has a $2,000,000 limit, and Platinum's benefit limit is unlimited. Members can also select their desired area of coverage, either worldwide, including the U.S., or excluding the U.S. Those who choose to exclude the U.S. can still receive limited emergency hospitalization benefits if they encounter a mishap while on a brief visit to the country.
Cigna's international health plans offer a global support network of hospitals and medical professionals. The company's vast international healthcare network includes trusted hospitals, doctors, and other healthcare professionals. Cigna's customer relations team assists clients in finding the best doctors and medical facilities to provide the healthcare they need. Cigna also offers 24/7 customer service in over 50 languages and provides direct payment agreements and discounts with most providers in their network.
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Cigna's dental plans
Cigna offers a wide range of dental plans, including basic preventive plans and those that include benefits for more extensive dental care. These plans are available to almost anyone and can be purchased individually or through an employer.
Cigna's dental insurance plans are not considered major medical or comprehensive health insurance policies and do not provide the minimum essential coverage required under the Affordable Care Act of 2010 (ACA). However, regular dental exams can help prevent and identify serious dental problems, minimizing treatment costs.
With a global presence in over 200 markets and territories, Cigna provides international dental and medical insurance plans for those living, working, or studying abroad. This ensures that individuals and families have access to experienced support and a worldwide network of medical professionals.
For specific details on Cigna's dental plans, individuals can refer to their plan documents or contact a Cigna Dental representative for personalized assistance.
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Cigna's Medicare plans
Cigna is a health insurance company that offers a range of Medicare plans. These plans are designed to help individuals navigate the world of Medicare and provide them with quality care options.
Cigna also offers international health insurance plans for those who live, work, retire, or study abroad. These plans can be tailored to meet individual needs and provide access to a global support network of hospitals and medical professionals in over 200 markets and territories worldwide.
In addition to these Medicare and international health insurance plans, Cigna also provides dental, pharmacy, and behavioural health coverage. They offer virtual care options, as well as 24/7 customer support and access to board-certified doctors through their mobile app, myCigna. With myCigna, individuals can easily manage their claims, coverage, and ID cards, providing a convenient way to stay on top of their health needs.
It is important to note that Cigna's plans may have exclusions, limitations, and terms that apply, and the availability of specific plans can vary by state. Therefore, it is recommended to consult with a Cigna insurance agent or refer to their website for detailed information on the plans available in your area.
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Cigna's supplemental insurance policies
Cigna offers a wide range of insurance plans and products that focus on all aspects of your well-being, including physical and emotional health. Cigna's supplemental insurance policies provide additional financial protection for unexpected events, such as critical illness and accidental injury. These policies can help cover expenses not included in primary health insurance, such as copays, deductibles, rehabilitation, transportation, childcare, and other out-of-pocket costs.
Cigna's supplemental policies are designed to provide personalized support and value-added wellness programs and services. They offer a broad range of benefits for injuries or treatments resulting from a covered accident, a lump-sum payment for the diagnosis of a covered critical illness, and a fixed benefit for covered hospital stays. The policies are available at different price points, with some starting at around $10/month or $1/day, varying based on state, age, coverage type, and benefit amount.
Cigna's supplemental insurance options include Accidental Injury, Critical Illness, and Hospital Care plans. These plans are distributed exclusively by operating subsidiaries of the Cigna Group Corporation and are administered by Cigna Health and Life Insurance Company. The policies are insured by Cigna Health and Life Insurance Company (Bloomfield, CT), Life Insurance Company of North America (Philadelphia, PA), or New York Life Group Insurance Company of NY (formerly Cigna Life Insurance Company of New York).
Cigna's international health insurance plans are also notable, providing coverage for individuals living, working, retiring, or studying abroad. These plans offer flexibility and a global support network of hospitals and medical professionals in over 200 markets and territories worldwide. Cigna's customer service teams, with their local market knowledge, enable quick adaptation and support during health crises or personal health requirements.
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Frequently asked questions
Cigna offers two types of plans on the health insurance marketplace: HMO and EPO. HMO, or Health Maintenance Organization, typically requires you to seek care from providers within the plan's network. EPO, or Exclusive Provider Organization, covers care that takes place within the plan's network, and you don't need a referral to see a specialist. Cigna also offers international health insurance plans for those living, working, retiring, or studying abroad.
Cigna health insurance plans offer a wide range of benefits, including low deductibles, higher benefits, and coverage options that include vision, hearing, dental, and pharmacy. They also provide supplemental insurance policies that offer additional coverage and cash benefits for cancer treatment, hospitalization, stroke, heart attack, accidents, and life insurance. Cigna has more than 1.5 million healthcare professionals in its network and offers 24/7 customer service.
The cost of Cigna health insurance varies depending on multiple factors, including age, state, and the type of plan. On average, Cigna health insurance costs $664 per month. Cigna also offers better-than-average bronze and silver deductibles, but it has high Affordable Care Act (ACA) premiums.
