Jeffrey Wade
Cigna is a health insurance company that offers a range of insurance plans and products, including medical, dental, pharmacy, and behavioural health benefits. It is one of the largest health insurance companies in the United States, serving individuals and families in 11 states on the Affordable Care Act (ACA) marketplace. Cigna has received mixed reviews from customers, with some praising its large provider network and customer satisfaction, while others have criticised its high premiums, limited benefits, and difficulty in setting appointments and accessing records. Overall, Cigna is a good option for those seeking access to a wide range of providers and strong integration with pharmacy benefits, but it may not be the most cost-effective option for everyone.
| Characteristics | Values |
|---|---|
| Customer Satisfaction | Cigna has an average customer satisfaction rating of 2.8 out of 5 according to the National Committee for Quality Assurance (NCQA). However, it received a score of 3.84 out of 5 on Insure.com and 3.96 out of 5 in another survey. |
| Affordability | Cigna's plans have average rates. Its bronze and silver deductibles are better than average, but it has high Affordable Care Act (ACA) premiums. |
| Provider Network | Cigna has a large provider network of over 1.5 million healthcare professionals and relationships with over 2 million healthcare providers, clinics, and facilities. |
| Coverage | Cigna's plans offer coverage for cancer, hospitalization, stroke, heart attack, accidents, and life insurance. It also offers dental, pharmacy, and supplemental insurance plans. |
| Customer Service | Cigna's customer service varies depending on the specific company within the Cigna family and the state. Some users have reported issues with claims processing and appointment scheduling. |
| Availability | Cigna offers health insurance in 11 states on the ACA marketplace. Its dental insurance plans are available in all 50 states and Washington, D.C. |
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What You'll Learn
Cigna's customer service and satisfaction ratings
However, some customers have expressed dissatisfaction with Cigna's customer service. Several reviews mention issues with claim denials, reimbursement delays, and difficulty navigating the system. There are also complaints about the lack of online functionality, such as the inability to set appointments or access records digitally.
Cigna's health insurance plans have received mixed reviews as well. While some customers appreciate the large provider network and strong integration with pharmacy benefits, others have faced challenges finding in-network healthcare providers and specialists. Cigna's plans are considered less affordable than those of some competitors, and the company has been accused of business practices aimed at preserving profitability at the expense of customer needs.
Cigna's dental insurance policies, which have over 17 million members, have also received mixed feedback. While some customers praise the extensive provider network, others have reported issues with denied claims and a lack of transparency in the claims process.
Overall, while Cigna has received recognition for its large provider network and relatively low complaint index score, there are also numerous accounts of dissatisfied customers who have encountered challenges with various aspects of the company's services.
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Cigna's affordability and plan options
Cigna offers a range of health insurance plans for individuals and families, including Medicare Advantage, Prescription Drug Plans, and Medicare Supplemental Insurance. They also offer dental insurance, disability insurance, and life insurance. Cigna's health insurance plans are available in 11 states on the Affordable Care Act (ACA) marketplace and have a large provider network of over 2 million healthcare providers, clinics, and facilities.
Cigna's health insurance plans include virtual urgent care from $0, $0 preventive care visits, and $0-$3 for preferred prescription drugs on most plans. They also offer access to virtual primary care physicians, dermatology, and behavioral health networks 24/7. Cigna also provides personalized health coaches to help manage specific conditions and navigate the healthcare system.
In terms of plan options, Cigna offers Health Maintenance Organization (HMO) plans, which typically require members to seek care from providers within the plan's network. Cigna also offers a range of Medicare Supplement Plans for individuals eligible for Medicare due to disability, with specific plans available varying by state.
Cigna's website and mobile app allow customers to find in-network providers, order and refill prescriptions, pay claims, and access other plan details and support. Cigna also offers special enrollment periods for individuals who have experienced qualifying life events, such as marriage, having a child, or moving to a new location.
Overall, Cigna's affordability and plan options seem competitive in the health insurance market, with a focus on providing access to a large provider network and integrated pharmacy benefits. However, it is important to note that individual experiences may vary, and some customers have expressed challenges with reimbursement processes and finding in-network doctors.
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Cigna's coverage and benefits
Cigna offers a wide range of coverage and benefits to its customers. Firstly, it provides health insurance plans, including supplemental insurance policies that offer additional coverage and cash benefits for various events such as cancer, hospitalization, accidents, strokes, and heart attacks. Cigna also offers dental plans, Medicare, and life insurance.
Cigna's health insurance plans are available in 11 states and provide coverage to individuals and families. They offer a large provider network of over 2 million healthcare professionals, clinics, and facilities, ensuring customers have a wide range of options for their healthcare needs. Cigna also owns Express Scripts Pharmacy, providing home delivery pharmacy services.
In terms of specific benefits, Cigna offers competitive premiums, and its complaint level is lower than the industry average, indicating better customer satisfaction. Cigna also provides coverage for alternative medicine in some plans, and their Medical Technology Assessment Council regularly reviews new treatments and technologies to ensure members have access to effective treatments.
Cigna's plans also offer flexibility in choosing providers. While customers can benefit from negotiated rates and higher benefit levels when using Cigna Open Access Plus (OAP) network providers, they are not restricted to this network and can choose any provider they prefer.
Additionally, Cigna provides family planning benefits, including reimbursement allowances for IVF or IUI, egg freezing, adoption, or surrogacy. Cigna also covers breast reconstruction surgery following a mastectomy when appropriate.
However, it is important to note that Cigna's policies may contain exclusions, limitations, and reductions of benefits, and they may not cover all medical expenses. Product availability can vary by location and plan type, and customers are responsible for any amounts billed that exceed the plan's maximum reimbursable charges.
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Cigna's provider network and availability
Cigna is a good health insurance option for people who want access to a large provider network and strong integration with pharmacy benefits. Cigna's provider network includes more than 1.5 million healthcare professionals and has more than 2 million relationships with healthcare providers, clinics, and facilities. The company also offers dental insurance policies, which have over 17 million members and include over 89,000 providers.
Cigna provides health insurance coverage to individuals and families in 11 states on the Affordable Care Act (ACA) marketplace via HealthCare.gov. Cigna's plans for individuals and families are available in many states from November 1 to January 15 during the annual open enrollment period. A handful of states have different dates. During the open enrollment period, individuals can buy a new ACA health plan or make changes to their current coverage. The only way to buy an ACA plan outside of open enrollment is by qualifying for a special enrollment period, which can include events such as losing coverage at work, having a child, getting married, moving to a new ZIP code, or aging out of a parent's health plan.
Cigna offers two types of plans on the health insurance marketplace: HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization). HMO plans typically require individuals to seek care from providers within the plan's network, while PPO plans offer more flexibility and allow individuals to see providers both in and out of the network.
Cigna's website provides information on in-network and out-of-network providers. In-network providers have a contract with Cigna and offer services at a discounted rate. Out-of-network providers have no contract with Cigna and can charge full price, which is usually much higher than the in-network discounted rate. To save on out-of-pocket costs, individuals are generally advised to visit in-network providers. However, some Cigna plans may include out-of-network benefits, in which case eligible expenses are covered but out-of-pocket costs may still be higher.
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Cigna's claims process and reimbursement
In most cases, if you receive in-network care, your healthcare provider will file a claim on your behalf with Cigna. A claim is essentially a request for payment or reimbursement for the services provided. Once Cigna receives the claim, they will verify that the services are covered under your plan. If the claim is approved, Cigna will pay the healthcare provider directly or reimburse you, depending on who submitted the claim.
It is important to note that prior authorization may be required for certain procedures, medications, or locations. This means that you must obtain pre-approval from Cigna before receiving the care to ensure that the claim is not denied.
For out-of-network providers, you may need to submit a claim yourself. In such cases, it is recommended to compare your medical bill with the Explanation of Benefits (EOB) provided by Cigna to understand the costs and ensure you are not overcharged. The EOB outlines how your claim was paid, what your plan covers, and how much you will need to pay to the healthcare provider.
While Cigna has a good reputation for customer satisfaction and a large provider network, there have been some concerns raised about the denial of certain reimbursements and the need for multiple appeals. Some customers have also expressed frustration with the lack of online appointment scheduling and central record-keeping. Despite these challenges, Cigna's overall complaint level is lower than the industry average, indicating that it is a good option for medical insurance, especially for those seeking access to a wide range of providers.
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Frequently asked questions
Cigna is a health insurance company that offers medical, dental, pharmacy, and behavioural health benefits. Cigna has a large provider network of over 2 million healthcare professionals, clinics, and facilities.
Cigna offers better-than-average bronze and silver deductibles, as well as dental insurance, disability insurance, and life insurance. Cigna also provides 24/7 on-demand care and assistance through its mobile app, myCigna.
Cigna has high Affordable Care Act (ACA) premiums and does not offer comprehensive health insurance coverage. Its plans do not cover all medical expenses and may not be the most affordable option.
Cigna is ranked 8th on Insure.com's list of the Best Health Insurance Companies for 2025, with 3.84 stars out of 5. It received good marks for its network size but scored lower for affordability and policy offerings. Cigna's customer satisfaction rating is 2.8 out of 5, according to the National Committee for Quality Assurance (NCQA). Overall, UnitedHealthcare is a better-rated health insurance company than Cigna, offering more plan options and better customer satisfaction.
