Orlando Harmon
Cigna and Florida Blue (Blue Cross Blue Shield of Florida) are two of the best health insurance companies in Florida. Both companies offer affordable health insurance plans with good customer service. Florida Blue has a larger network of doctors and is accepted by most healthcare facilities in the state. Cigna, on the other hand, has decent in-network coverage and is widely accepted by healthcare providers. Both companies offer digital platforms and mobile applications that allow users to manage their policies, search for healthcare providers, and monitor claims. In terms of rewards programs, Florida Blue offers Blue365®, which provides discounts on products and services for financial health, nutrition, fitness, and more. Cigna offers Healthy Rewards®, which includes discounts on alternative medicine, vitamins, fitness, and more. Cigna also includes Telehealth in most of its health plans, allowing members to schedule virtual appointments with doctors.
| Characteristics | Values |
|---|---|
| Number of policies | Florida Blue: 43 |
| Cigna: N/A | |
| Network | Florida Blue: HMO (BlueCare Network) or limited PPO (BlueSelect Network) |
| Cigna: Decent in-network coverage | |
| Customer service | Florida Blue: Better customer service |
| Cigna: Average star ratings | |
| Availability | Florida Blue: Available in 48 states, Washington D.C., and Puerto Rico |
| Cigna: Available in 29 states and Washington D.C. | |
| Cost | Florida Blue: Higher priced |
| Cigna: Low-cost | |
| Rewards programs | Florida Blue: Blue365® offers discounts on products and services for financial health, nutrition, fitness, etc. |
| Cigna: Healthy Rewards® offers discounts on alternative medicine, vitamins, fitness, etc. |
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What You'll Learn
Customer service
Cigna offers cheap individual health insurance and a large variety of provider network choices. However, some customers believe that their customer service can be improved. Cigna has a higher star rating on the Apple App Store than Blue Shield of California and Florida Blue. However, its Google Play Store rating is lower than Blue Cross Blue Shield (BCBS). Cigna also has a low overall ranking in terms of customer reviews, according to a 2023 J.D. Power study. Cigna has also been described as a "horrible insurance company" by a customer on Reddit, who claims that they deny a lot of claims.
On the other hand, Florida Blue has been praised by customers for its customer service. One customer review on BestCompany.com mentions that the website is easy to navigate and that the customer service team is kind and efficient. Another customer on AP News mentions that Florida Blue has better customer service than its competitor.
In a comparison between Cigna and Blue Cross Blue Shield, the latter emerges as a superior health insurance company. BCBS offers coverage in all 50 states and has a larger in-network provider base. BCBS has also consistently received higher customer satisfaction ratings for commercial health plans in recent studies.
In terms of member experience, Cigna Medicare Advantage plans have good scores and average star ratings among all providers. Their member experience scores are above average, and they offer strong benefits such as 24/7 telehealth and meal delivery.
While both companies have their strengths and weaknesses, Florida Blue (BCBS) seems to have an edge over Cigna when it comes to customer service, based on customer reviews and ratings.
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Cost and coverage
When it comes to cost and coverage, there are several factors to consider when choosing between Cigna and Florida Blue insurance. Firstly, it's important to understand that health insurance rates can vary based on location, including state and county. The number of dependents covered also impacts the cost, with more individuals under one plan resulting in higher premiums. Additionally, plans with richer benefits tend to have higher premiums.
In terms of specific costs, Florida Blue mentions that premiums are the monthly payments made to the insurance company to maintain coverage. They also explain the concept of deductibles, which is the amount one must pay for certain covered healthcare services before the insurance plan starts contributing. Florida Blue also mentions coinsurance, which is the percentage of allowed amounts that the customer must pay after meeting their deductible. There is also an annual out-of-pocket maximum, which is the most one would pay for covered services in a year, including deductibles, copays, and coinsurance, but excluding premiums.
Florida Blue offers a wide range of plans, including those with $0 deductible and $0 copays when using a Value Choice Provider. They also provide access to a large network of over 23,000 doctors and hospitals in Florida, as well as out-of-state providers. Florida Blue has about 43 policies, with many plans falling under either the HMO (BlueCare Network) or their limited PPO Network (BlueSelect). Their National BlueOptions PPO Network is considered their best network.
Cigna, on the other hand, offers individual and family health insurance plans, as well as dental, pharmacy, and behavioural health benefits. They have plans available in multiple states, including Arizona, Florida, Georgia, Illinois, and Texas. Cigna also provides $0 virtual care for eligible preventive care and dedicated virtual urgent care for minor acute medical conditions. However, Cigna's plans may vary by location and plan type, and they direct customers to review their plan documents or contact a representative for specific cost and coverage details.
According to a 2021 review, Florida Blue and Cigna, along with Ambetter, offered the best rates for health insurance in Florida. The review also mentions that Ambetter and Florida Blue are good options, with Florida Blue being accepted by more doctors. However, the same review also highlights that Cigna and Aetna are ahead of Bright Health in terms of network coverage.
In terms of customer satisfaction, a comparison between Blue Cross Blue Shield (BCBS) and Cigna indicates that BCBS offers coverage in all 50 states and has a larger in-network provider base, making it accepted by most healthcare facilities in the US. BCBS also consistently received higher customer satisfaction ratings for commercial health plans in studies.
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Availability
Cigna and Florida Blue are both health insurance providers, but they differ in their availability. Cigna is a global healthcare provider with a presence in multiple countries and regions, including the United States. They strive to make it easier for healthcare providers to prescribe medications and manage patient care. Cigna's website allows users to search for in-network hospitals, facilities, and specialists, as well as covered medications.
On the other hand, Florida Blue (Blue Cross Blue Shield of Florida) is a health insurance provider specifically serving the state of Florida. They are committed to making quality healthcare affordable and accessible to Floridians. Florida Blue offers virtual healthcare, providing 24/7 access to providers regardless of location. They also have Value Choice Providers, such as Sanitas, that offer high-quality care at lower prices.
In terms of nationwide coverage, Blue Cross Blue Shield (BCBS) offers insurance in all 50 states, while Cigna's availability across states is not explicitly mentioned. BCBS has a larger in-network provider base and is accepted by most healthcare facilities in the US. This means that policyholders may have more options when choosing a doctor or hospital within the BCBS network compared to Cigna.
When considering availability, it is also worth noting that both Cigna and Florida Blue (as part of BCBS) are required to offer unlimited coverage for essential health benefits. These include outpatient and inpatient treatments, emergency care, laboratory work, mental health support, maternity and pediatric care, medication, chronic disease management, and rehabilitation equipment.
While Cigna has a global presence, Florida Blue is specifically tailored to meet the healthcare needs of Florida residents, offering virtual care and partnerships with local providers. BCBS, as a whole, has a broader nationwide reach, accepted by most healthcare facilities across the US. Ultimately, the availability of these insurance providers may depend on your location and specific healthcare needs.
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Discounts and rewards
Cigna and Florida Blue both offer rewards and discount programs for their members. Cigna's Healthy Rewards® program offers members discounts of up to 25% on health and wellness products and services. This includes discounts on behavioural, medical, and dental plans. These discounts are in addition to any benefits included in a member's plan. However, copayments and coinsurance do not apply, so members must pay the entire discounted charge.
Florida Blue also offers a health and wellness discount program called Blue365®. This program offers year-round discounts on gym memberships, fitness gear, eyewear, healthy travel and eating options, and more. Florida Blue also offers the Better You Strides Rewards program, which is a personalized wellness and rewards program. This program allows members to earn points by completing healthy activities, such as preventive screenings and disease management, as well as interactive activities like quizzes and videos on topics like healthy snacking and fitness. Every 100 points earned is worth $1 in rewards, which can be used towards qualifying premium or healthcare costs.
In addition to these programs, Florida Blue offers wellness programs at local Florida Blue Centers and online, covering topics such as nutrition, weight management, exercise, cholesterol, diabetes, and stress management. They also offer events like fitness and educational classes, as well as health services like vaccinations, at no extra cost.
When comparing the two companies, it is worth noting that Florida Blue has better customer service compared to its competitors, according to consumers. Additionally, Florida Blue offers coverage in all 50 states, has a larger in-network provider base, and is accepted by most healthcare facilities in the US, giving it an advantage over Cigna in terms of accessibility and convenience.
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Mobile applications
Cigna and Florida Blue (BCBS) are two health insurance companies operating in the state of Florida. They both offer mobile applications that allow users to manage their policies, search for healthcare providers, and monitor claims.
The Cigna mobile app, myCigna, offers personalized programs, details of coverages and claims, and 24/7 on-demand care and assistance. Users can access their digital ID card from the app, which they can use when visiting the doctor. The app also provides access to board-certified doctors 24/7, by phone or video, for common health issues, with prescriptions available if needed.
The Florida Blue mobile app, Teladoc, offers 24/7 virtual healthcare via phone, video, or mobile app for non-emergency medical concerns. During the COVID-19 pandemic, Florida Blue improved virtual health access for its members by adding no-cost usage of Teladoc for its Medicare Advantage members and waiving all copays for its Affordable Care Act members and many employer group health plan members.
The user experience for these apps can vary by location. For example, Cigna has the same Apple App Store star rating as Blue Shield of California and Florida Blue, but a higher star rating than BCBS of Illinois. On the other hand, Cigna has a lower Google Play Store star rating than the aforementioned BCBS companies.
In terms of overall customer satisfaction, a recent study found that Blue Cross Blue Shield (BCBS) received higher ratings for commercial health plans. Additionally, BCBS offers coverage in all 50 states and has a larger in-network provider base, being accepted by most healthcare facilities in the US.
Therefore, while both Cigna and Florida Blue offer mobile applications with similar functionalities, the Florida Blue app may be more widely accessible due to BCBS's larger provider network and higher customer satisfaction ratings. However, individual preferences and location-specific user experiences may also play a role in determining the better insurance option.
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Frequently asked questions
This depends on your personal needs and budget. Florida Blue (Blue Cross Blue Shield) is accepted by most doctors and has better customer service, but Cigna has more affordable plans and is the fourth-largest health insurance company in the United States.
In 2020, the average cost of health insurance in Florida was $554 per month for a 40-year-old. Averaging across all age groups, the cost was about $203 per person for a major medical individual health insurance plan.
Florida Blue has about 43 policies, many of which are either HMO (BlueCare Network) or with their limited PPO Network, BlueSelect. Their National BlueOptions PPO Network is considered their best network.
Cigna offers the highest percentage of $0-premium plans and the lowest average monthly premium of the major providers. Most of Cigna's health plans include Telehealth, which allows members to schedule virtual appointments with doctors.
Both Cigna and Florida Blue (Blue Cross Blue Shield) offer rewards and discount programs with their plans. They also both provide digital platforms and mobile applications that allow users to manage their policies, search for healthcare providers, and monitor claims.
