Alyssa Lane
Cigna is a global health insurance provider, offering a wide range of insurance plans and products that focus on all aspects of well-being, including physical and emotional health. Cigna offers dental insurance, Medicare, and medical insurance for employers in over 30 countries. Cigna's plans vary in availability by state and county, and the company offers three tiers of ACA plans: bronze, silver, and gold. Cigna's health insurance costs an average of $608 a month, with rates varying based on factors like age, lifestyle, and plan type.
| Characteristics | Values |
|---|---|
| Availability | Cigna is a global provider of health insurance in more than 30 countries. However, it is not available in all counties within the 11 states it serves in the US. |
| Dental Insurance | Cigna offers dental insurance in all states except Massachusetts. Its dental provider network includes over 89,000 providers. |
| Provider Network | Cigna has a large provider network of 1.5 million providers. |
| Plan Types | Cigna offers a wide range of insurance plans, including EPO and HMO plans. It also provides three metal tiers of ACA plans: bronze, silver, and gold. |
| Deductibles | Cigna offers lower-than-average deductibles for silver ACA plans. |
| Premiums | Cigna has one of the highest average monthly ACA premiums at $608. |
| Digital Experience | Cigna has a decent digital experience. Customers can manage their accounts online, find doctors in the network, and get information about ACA health plans. The myCigna app provides access to digital ID cards, 24/7 access to board-certified doctors, and health alerts for health coaching and cost savings. |
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What You'll Learn
Cigna's global reach
Cigna is a global health insurance company, providing services in over 200 markets and territories worldwide, with a presence in North America, Europe, Asia, and the Middle East. The company has a wide range of insurance products, including medical, dental, pharmacy, behavioural, and supplemental health plans, catering to individuals and employers.
The company's global presence is further strengthened by its two divisions: Cigna Healthcare and Evernorth Health Services. Cigna Healthcare provides comprehensive services and coverage to individuals, catering to their physical and emotional well-being throughout different life stages. Evernorth Health Services, a subsidiary of Cigna, focuses on providing pharmacy benefits and enhancing the lives of its clients, customers, and patients.
Cigna's global health benefits operations are located in various regions, including the United States, Europe, Asia, and Belgium. The company's international claims platform and extensive network of physicians and hospitals demonstrate its commitment to providing accessible and quality healthcare worldwide.
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Dental insurance
Cigna offers a wide range of dental insurance plans, from basic to full coverage, to meet the needs of individuals and families. These plans are available for purchase directly from Cigna or through an employer.
The basic dental insurance plans offered by Cigna cover preventive care, such as routine dental cleanings, checkups, and X-rays. These plans are designed to help individuals maintain their oral health and identify any potential issues through regular exams.
Full coverage dental insurance plans, on the other hand, provide a more comprehensive level of protection. These plans typically cover a wide range of dental services, including basic and major restorative care, as well as orthodontic treatment. Basic restorative care includes fillings, extractions, and non-routine X-rays, while major restorative care involves bridges, crowns, and dentures. Orthodontic treatment covers space maintainers, braces, and other devices used to align teeth.
Cigna's dental insurance plans also offer flexibility in choosing a dentist. The DPPO (Dental Preferred Provider Organization) plan allows individuals to select a dentist from a network of providers or opt for a dentist outside the network, although out-of-network options tend to be more expensive. Additionally, the DPPO plan does not require choosing a primary care dentist. This plan usually has an annual deductible and coinsurance, where individuals pay out-of-pocket until they meet the deductible, after which costs are shared with the plan up to an annual maximum.
Another type of dental insurance offered by Cigna is Dental Indemnity, often referred to as a "traditional" or "fee-for-service" plan. This plan provides individuals with the freedom to choose any dentist without being limited to a specific network. Similar to the DPPO plan, Dental Indemnity also has an annual deductible and coinsurance structure, where individuals pay out-of-pocket until they meet the deductible, after which costs are shared with the plan. However, Dental Indemnity plans tend to be more expensive due to the increased flexibility they offer.
Cigna's dental insurance plans are available at various price points, with monthly premiums starting as low as $20 for lower-cost coverage and averaging $32 for plans that bundle dental, vision, and hearing coverage.
It is important to note that waiting periods may apply for certain services, and specific plans may have exclusions and limitations. Individuals should carefully review the plan documents or consult a Cigna Healthcare representative to understand the details of their chosen dental insurance plan.
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Availability in the US
Cigna is a health insurance company that offers a range of plans to individuals, families, and employers in the US. They provide coverage for medical, dental, pharmacy, behavioural, and supplemental health benefits. Cigna's plans are available in all 50 states and Washington, D.C. However, their website is not intended for use in certain states, including Arizona, California, Georgia, Nevada, Ohio, Oklahoma, Oregon, Washington, and West Virginia.
Cigna offers two types of plans: individual plans and group plans. Individual health insurance plans are purchased by individuals or families and are customized to their specific needs and coverage requirements. Group health insurance plans, on the other hand, are typically offered by employers to their employees as a benefit and usually provide uniform coverage for all covered persons. Some employers may also offer the option of covering employees' dependents.
Cigna's individual plans are available on the Affordable Care Act (ACA) marketplace through HealthCare.gov. These plans have lower-than-average deductibles for silver ACA plans, which are the most popular. However, Cigna's ACA plans also have higher average premiums. Cigna's group plans, provided by employers, may vary in coverage and may not satisfy individual needs. Additionally, group plan coverage usually ends when employment ceases.
Cigna also offers international medical insurance policies for those who work or travel abroad frequently. Their plans have received positive reviews, with 83% of customers saying they would recommend the company to others. Cigna has a good complaint index score from the National Association of Insurance Commissioners, and their digital experience, including website and mobile apps, is well-regarded by customers.
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Cigna's digital experience
Cigna's digital strategy is focused on unleashing the power of digital tools to advance its overall strategy and the customer experience it delivers. This requires a range of skill sets, including talent and technology architecture, data engineering, advanced analytics, and customer experience know-how. Cigna also recognizes the importance of softer skills such as empathy and emotional intelligence in delivering great digital experiences.
The company's digital solutions are available on myCigna, a platform that allows customers to set and track health goals, connect with compatible fitness devices, and input daily health metrics such as weight, exercise minutes, and sleep patterns. Customers can also choose to share their activity with others on the platform to encourage each other. Additionally, Cigna offers a mobile app that provides users with 24/7 live chat support and instant access to their digital ID cards.
Cigna's partnership with Virgin Pulse, the world's largest comprehensive digital health activation and engagement company, further enhances its digital capabilities. This partnership aims to provide a connected and personalized health experience to support the health and vitality of millions of Cigna Healthcare commercial health plan customers.
Cigna's digital transformation also involves a test-and-learn, consumer-centric culture to accelerate innovation. The company recognizes the potential of emerging technologies, such as artificial intelligence, big data, and cloud computing, to optimize its services based on data-driven insights.
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Cigna's ACA plans
Cigna Healthcare offers a range of insurance plans, including medical and dental insurance for individuals and families, as well as employers. They also provide international health insurance and Medicare coverage. Cigna is a global provider of health insurance, offering plans in over 30 countries.
Cigna's individual and family plans are insured by Cigna Health and Life Insurance Company (CHLIC) and its subsidiaries, including Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Florida, Inc., Cigna HealthCare of Georgia, Inc., and others. These plans offer benefits such as virtual urgent care from $1, $0 preventive care visits, low-cost prescription drugs, and access to the Patient Assurance Program.
While Cigna offers ACA plans, it is important to note that the availability, costs, and complete details of coverage may differ. Individuals should contact a licensed agent, their insurance provider, or refer to their plan documents for specific information regarding their Cigna ACA plan.
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Frequently asked questions
Cigna offers three tiers of ACA plans: bronze, silver, and gold. Bronze plans have the lowest premiums but the highest deductibles and out-of-pocket costs. Silver plans have lower-than-average deductibles, while gold plans have the lowest deductibles and out-of-pocket costs but the highest premiums.
Cigna's health insurance plans cover medical expenses, while its dental insurance plans cover dental expenses. Cigna's dental provider network includes over 89,000 providers.
Cigna's health insurance is not available in all counties, even within the states it serves. Cigna does not offer dental insurance in Massachusetts, but it does in all other states.
