Jane Dotson
Cigna is a health insurance provider based in Bloomfield, Connecticut, offering a range of health coverage options, including medical, dental, pharmacy, and behavioural health plans. The company generally has high customer satisfaction ratings and was ranked 8th among Insure.com's Best Health Insurance Companies for 2025, with 3.84 stars out of 5. Cigna's plans are available in select states and counties, and the cost of their plans varies based on factors such as age, plan type, and location. Cigna's average health insurance cost is $608 per month, with Silver plans being cheaper than the national average and Bronze and Platinum plans being more expensive. The company has received strong financial strength ratings and has been praised for its balance sheet strength and operating performance.
| Characteristics | Values |
|---|---|
| Customer satisfaction rating | 3.84 out of 5 stars |
| Customer satisfaction rating (Consumer Affairs) | 3.6 out of 5 stars |
| Customer satisfaction rating (NCQA) | 2.5-3.5 out of 5 stars |
| Customer satisfaction rating (BBB) | A- |
| Financial Strength Rating (AM Best) | A (Excellent) |
| Average monthly cost | $608 |
| Average monthly cost (Silver plan) | $566 |
| Average monthly cost (Basic coverage) | $150 |
| Average monthly cost (Cigna Dental 1500 plan) | N/A |
| Average monthly cost (40-year-old with a Silver plan) | Varies by state |
| Number of states served | 11 |
| Number of states where individual health insurance is available | 14 |
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What You'll Learn
Cigna's customer satisfaction rating
Cigna is a health insurance company that offers a range of health coverage options, including individual and family medical and dental insurance plans. The cost of Cigna's plans varies depending on factors such as age, plan type, and location. Overall, Cigna has received mixed customer satisfaction ratings.
However, other sources give Cigna lower ratings. AffordableHealthInsurance.com bases its customer satisfaction rating on three third-party agencies: the BBB, the NCQA, and Consumer Affairs. According to their ratings, Cigna has an A- rating with the BBB and a score of 3.6/5 on Consumer Affairs. The NCQA rates Cigna plans as mid- to high-performing, with scores ranging from 2.5 to 3.5 for customer satisfaction, indicating reasonable satisfaction.
Cigna's financial strength and stability have also been assessed by AM Best, which gave the company an "A (Excellent)" rating, praising its balance sheet strength, operating performance, business profile, and enterprise risk management.
While Cigna offers lower-than-average deductibles for Silver Affordable Care Act (ACA) plans, its average ACA premiums are higher than those of its competitors. Cigna's availability also varies by state and county, which may impact customer satisfaction.
In summary, Cigna's customer satisfaction ratings vary, with some customers expressing satisfaction with the company's network size and integration with pharmacy benefits, while others have filed complaints related to denied claims, billing issues, and customer service.
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Cigna's financial strength rating
Cigna is a health insurance provider based in Bloomfield, Connecticut, serving more than 300 counties and jurisdictions across 23 states. The company offers a range of health coverage options, including individual and family medical and dental insurance plans. Cigna's financial strength rating is assessed by various agencies, including AM Best, BBB, NCQA, and Consumer Affairs.
AM Best, a global credit rating agency, has affirmed Cigna's Financial Strength Rating (FSR) of A (Excellent) and assigned a stable outlook. This rating reflects Cigna's balance sheet strength, strong operating performance, favourable business profile, and appropriate enterprise risk management. The rating also considers the company's sources of contingent liquidity, diverse operating cash flows, and earnings diversification.
The BBB, or Better Business Bureau, has given Cigna an A- rating. This rating takes into account customer complaints, with Cigna having closed more than 500 complaints in the last three years, mostly related to denied claims and billing issues.
NCQA, the National Committee for Quality Assurance, rates Cigna plans as mid to high-performing, with ratings between 2.5 and 3.5 for customer satisfaction, prevention, and treatment.
Consumer Affairs, a consumer news and advocacy organisation, rates Cigna at 3.6 out of 5 stars, based on nearly 300 customer reviews. The majority of these reviews are positive, with customers praising prompt claims payouts and a wide range of provider choices.
Overall, Cigna's financial strength ratings indicate that the company is financially stable and has a positive outlook. The ratings also suggest that customers generally have a satisfactory experience with the company, although there have been some complaints regarding denied claims and billing issues.
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Cigna's affordability
Cigna offers a range of health insurance plans with varying premiums and deductibles. The cost of Cigna health insurance depends on multiple factors, including age, plan type, metal tier, location, and smoking status. On average, Cigna health insurance costs $608 per month.
Cigna has been rated highly for its affordability by several organizations. AM Best, an insurance rating agency, affirmed Cigna's A (Excellent) Financial Strength Rating, highlighting its strong balance sheet and operating performance. Forbes also rated Cigna's premiums as competitive, and Cigna's plans have lower-than-average deductibles for silver Affordable Care Act (ACA) plans, the most popular type in the marketplace. Cigna's plans are also rated highly for customer satisfaction, with Consumer Affairs giving it a rating of 3.6/5 based on nearly 300 customer reviews.
Cigna offers various ways to save money on healthcare costs. Their plans provide $0 preventive care visits, $0-$3 for preferred prescription drugs, and virtual urgent care from as little as $0.1. Cigna also has a Take Control Rewards® program, where customers over 18 can earn up to $325 in points redeemable for merchandise or a debit card. Additionally, Cigna has partnered with Paytient to help members manage unexpected out-of-pocket dental care costs.
Cigna also emphasizes the importance of integrated healthcare plans that connect medical, behavioural, and pharmacy data. By doing so, they aim to reduce costs and improve health outcomes for employees. Cigna is also committed to promoting healthy eating and enabling access to nutritious foods, which can help reduce healthcare costs associated with cardiodiabesity conditions.
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Cigna's Silver plan pricing
Cigna offers a range of health insurance plans, including Silver plans. The average cost of Cigna health insurance is $608 per month, but the price of Silver plans depends on several factors. These include age, where you live, and whether you smoke. Silver plans are generally cheaper than Gold and Platinum plans, but they have higher out-of-pocket costs when you need healthcare.
Cigna's Silver plans are rated highly and are the most popular plans offered on the marketplace. They offer lower-than-average deductibles, which is the amount you have to pay for healthcare in a year before the health plan starts paying a portion of the costs. Silver plans also provide access to a wide range of benefits, including preventive care services such as annual check-ups, routine mammograms, and diabetes screenings, which are fully covered when you go in-network.
Cigna's Silver plans are available in select states, including Arizona, Georgia, Illinois, and North Carolina. The availability of specific plans may vary by state, and Cigna recommends contacting a licensed agent or sales representative for detailed information on costs and coverage.
In addition to Silver plans, Cigna offers Bronze, Gold, and Platinum plans, as well as "Catastrophic" plans in some cases. The Platinum plan, for example, pays the highest portion of healthcare bills (90%) but also comes with the highest premium. On the other hand, the Bronze plan pays 60% of healthcare bills and is the most affordable option.
Cigna also offers supplemental insurance policies that provide additional coverage and cash benefits for specific events such as cancer, hospitalization, stroke, accidents, and life insurance. These policies can be useful when combined with a Silver plan to manage out-of-pocket costs.
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Cigna's availability
Cigna offers a range of health insurance plans and generally has high customer satisfaction ratings. However, plans may not be available in all locations.
Cigna's coverage score is based on a range of factors, including the number of policy types available, the number of states in which the company sells plans, and the size of the provider network. Cigna offers individual and family medical and dental insurance plans, as well as group health insurance and health benefit plans. These plans are insured or administered by CHLIC (Cigna Health and Life Insurance Company) and its subsidiaries, as well as the Connecticut General Life Insurance Company (CGLIC) or their affiliates.
Cigna also offers international health insurance, with coverage extending to more than 200 markets and territories worldwide. Their global health plans are available to all nationalities living abroad, with some country and destination restrictions. Cigna's international plans can be tailored to meet individual needs and offer a global support network of hospitals and medical professionals.
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Frequently asked questions
Cigna has high customer satisfaction ratings, with an average of 3.84 out of 5 stars. The company has an A- rating with the BBB and a 3.6/5 rating with Consumer Affairs.
Cigna's rates are typically average when compared to other large health insurance companies. However, in some states, Cigna offers cheaper rates, while in others, its rates are higher than the state average.
Cigna's insurance rates are influenced by factors such as age, plan type, metal tier, location, and smoking status.
AM Best affirmed Cigna's A (Excellent) Financial Strength Rating, highlighting its strong operating performance, favorable business profile, and appropriate enterprise risk management.
