Cigna: A Leading Insurance Carrier

Cigna is a health insurance company that offers a wide range of insurance plans and products, including medical, dental, pharmacy, and behavioural health benefits. Cigna has a long history in the insurance industry, dating back to the formation of the Insurance Company of North America (INA) in 1792. Today, Cigna operates as three distinct brands: The Cigna Group, the global health parent company; Cigna Healthcare, the health benefits provider; and Evernorth Health Services, the pharmacy, care, and benefits solutions provider. Cigna Healthcare guides its customers through the healthcare system, empowering them with information and insights to make informed choices about their health. The company offers individual and family plans, as well as employer-sponsored health plans and solutions. Cigna's insurance policies and plans are available in various states across the US and are subject to exclusions and limitations.

Cigna's history and global growth

Cigna is an American multinational managed healthcare and insurance company based in Bloomfield, Connecticut. It is one of the largest publicly owned employee benefits organisations in the United States. The company was formed in 1982 through the merger of the Connecticut General Life Insurance Company (CG) and the Insurance Company of North America (INA), the first stock insurance company in America. The name Cigna is a combination of letters from the two merging companies, CG and INA.

The Insurance Company of North America was formed in 1792 and was the first marine insurance company in the United States. INA issued its first marine policies for the ship America, insuring its hull and cargo on a voyage from Philadelphia to Londonderry, Northern Ireland. It also issued the first life insurance policy, insuring a sea captain against death during a voyage, including a clause promising benefits if Barbary Coast pirates captured him.

In 1865, the Governor of Connecticut signed a special act to incorporate the Connecticut General Life Insurance Company, which would help make Hartford known as the "insurance capital of the world". In 1871, the INA paid out $650,000 after the Great Chicago Fire, one of only 51 insurance companies to pay claims in full. The company also paid out in full after the San Francisco earthquake. In 1912, Connecticut General formed a new accident department, and began marketing group accident and sickness contracts in 1919, its first involvement with employee health insurance.

In 1946, Cigna began to grow its business globally, establishing overseas offices and agents. In 1950, after World War II, the company began to focus on healthcare innovations, based on changing costs and technology. In 1954, Connecticut General introduced the first comprehensive medical case that combined group health and major medical into a single contract.

In 1981, Cigna was formed through the union of CG and INA. In 1998, the company began to refocus its business on healthcare and continued to grow in global markets. In 2013, Cigna operated in 30 countries, had approximately 35,800 employees and managed around $53.734 billion in assets. As of 2022, Cigna has over 74,000 employees and serves more than 170 million customers worldwide.

Cigna's insurance plans for individuals and families

Cigna offers a wide range of insurance plans and products that focus on all aspects of your well-being—physical and emotional. Their health insurance plans and programs give you affordable, quality care options that fit every budget.

Cigna Healthcare Plans

Cigna Healthcare plans give you access to 24/7 medical and behavioral health virtual care. You can access care from anywhere via video or phone, and get $0 dedicated virtual urgent care 24/7/365. You can also schedule a behavioural health virtual care appointment online in minutes and connect with quality board-certified doctors and pediatricians, as well as licensed counsellors and psychiatrists.

Cigna Healthcare Plan Benefits

Cigna HealthcareSM customers can access flexible plan features that make healthcare more affordable. These include:

• $0 preventive care across all plans
• $0 copay plans for routine PCP visits, generic drugs, and virtual care
• Many generic prescription drugs priced at $0 for most plans
• $0 deductible plans
• Cigna Take Control Rewards® program which allows you to earn points redeemable for a Reloadable Reward Card, which could be used toward healthcare costs
• Cigna Healthy Rewards® Program that can provide discounts on the products and programs you use every day

Supplemental Insurance

Supplemental insurance policies offer additional coverage and cash benefits when you need them most. This includes coverage for cancer, hospitalization, stroke and heart attack, accidents, and life insurance. These policies typically come with budget-friendly monthly premiums and can be bought anytime, 24/7/365.

Dental Insurance

Cigna offers dental coverage to fit a range of needs, with plan options that bundle vision and hearing, too. This coverage costs pennies a day and can be shopped for online anytime, 24/7/365.

Global Health Insurance

Cigna Global Health Insurance offers plans specifically designed for individuals and families living abroad.

Cigna's insurance plans for employers

Cigna offers a range of insurance plans for employers, with a focus on providing quality care and improving health outcomes for employees. Their plans include:

Medical Plans

Cigna's medical plans offer a wide range of benefits, such as:

• 100% coverage for in-network, annual preventive care appointments.
• 24/7 access to nurses and board-certified doctors through phone or video chat, with no additional out-of-pocket costs.
• Mental health benefits, including access to licensed mental health providers, services, and resources within their Behavioral Health Network.
• Employee Assistance Program (EAP), providing access to licensed clinicians for help with family, work issues, stress, and anxiety.
• Health and Wellness Programs, such as lifestyle management programs and the Healthy Pregnancies, Healthy Babies® Program.

Dental Plans

Cigna offers various dental plan options, including:

• Cigna Dental Care (DHMO) Plans.
• Dental Preferred Provider Organization (DPPO) Plans.
• Dental Exclusive Provider Organization (DEPO) Plans.

Vision Plans

Cigna provides two types of vision care plans:

• Vision Preferred Provider Organization (VPPO) Plans.
• Vision Indemnity Plans.

Supplemental Health Plans

Cigna's supplemental health coverage can provide additional financial protection in the event of an unexpected illness or injury. Their plans include:

• Accidental Injury.
• Critical Illness.
• Hospital Care.

Spending Accounts

Cigna also offers different types of spending accounts to help employees plan and pay for healthcare expenses:

• Health Reimbursement Account (HRA).
• Health Savings Account (HSA).
• Flexible Spending Account (FSA).

Cigna's health services and solutions

Cigna is a health benefits provider that offers a wide range of insurance plans and products that focus on all aspects of your well-being—physical and emotional. They guide their customers through the health care system, empowering them with the information and insight they need to make the best choices for improving their health and vitality.

• 24/7 Access: Cigna offers round-the-clock access to healthcare professionals and support through their myCigna portal and mobile app. This includes online doctor visits and access to board-certified doctors by phone or video for common health issues.
• Personalized Programs: Cigna provides personalized programs and support to meet the unique needs of each individual. Their myCigna platform offers personalized resources, details of coverages and claims, and on-demand assistance.
• International Coverage: Cigna has a global presence, with access to medical support in over 200 markets and territories. They offer international health insurance plans tailored to meet the needs of those living, working, retiring, or studying abroad.
• Dental and Vision Coverage: Cigna recognizes the importance of oral health and its impact on overall well-being. They offer dental coverage with plan options that bundle vision and hearing care as well.
• Supplemental Insurance Policies: Cigna offers additional coverage through supplemental insurance policies, providing extra protection and cash benefits for unexpected events such as cancer, hospitalization, stroke, accidents, and life insurance.
• Medicare Support: Navigating Medicare can be challenging, and Cigna is committed to helping individuals understand and make the most of their Medicare coverage. They offer flexible coverage options and no-cost perks.
• Pharmacy Benefits: Cigna customers with pharmacy benefits may be eligible for emergency refills if their medication is lost or damaged due to a natural disaster. They also have pharmacy outreach programs to increase medication adherence and improve outcomes.
• Mental Health Focus: Cigna prioritizes mental health and well-being. They offer international health insurance plans that include mental health support and resources to help break the silence surrounding mental health in the workplace.
• Diversity, Equity, and Inclusion: Cigna is committed to empowering healthier decisions for everyone, regardless of race, ethnicity, gender, sexual orientation, or other factors. They strive to create an inclusive environment and provide resources that meet the unique needs of their customers.
• COVID-19 Resource Center: Cigna has a dedicated COVID-19 Resource Center that provides up-to-date information about vaccinations, testing, coverage, and more.

Cigna's customer service and support

Cigna is a health benefits provider that 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 customer service and support are available 24 hours a day, 365 days a year, and can be accessed through their website, mobile app, and phone.

The myCigna member portal and mobile app give users access to their plans, programs, coverages, and claims, as well as 24/7 on-demand care and assistance. The app also provides access to digital ID cards, online doctor visits, and all plan details.

Cigna also provides customer support through phone services, with different numbers provided for different services. For example, there are separate phone numbers provided for medical and dental insurance, home delivery pharmacy, and specialty medications. Additionally, Cigna offers TTY/TDD services for callers who are deaf or hard of hearing, which can be accessed by dialling 711.

For those with an employer-sponsored group plan, Cigna advises calling the phone number on the back of the ID card. Cigna also provides mailing addresses for various services, including medical, dental, and vision claims, as well as home delivery pharmacy and supplemental benefits.

Cigna's customer service is committed to guiding customers through the healthcare system, empowering them with the information and insights they need to make informed decisions about their health and well-being.

Frequently asked questions