CIGNA Health Insurance Company
The CIGNA Health Insurance Company has been providing insurance to companies and individuals since 1792. This is a considerably long time for an insurance company to provide services to their customers and it shows that CIGNA, as a health insurance company, is going to be around for a lot longer. What’s more, CIGNA Health Insurance Company is the oldest investor/stock holder owned health insurance company in the world.
CIGNA Health Insurance Plan Options
Whether you are considering purchasing health insurance, dental insurance or a simple prescription plan, CIGNA offers many health insurance options. This guide will help you to determine if this provider is right for you. With the years of service that CIGNA has been offering to their customers you can feel confident that any purchase made from CIGNA will be a good one. You can also feel confident in the fact that if you purchase coverage from CIGNA you will not find yourself in a position where you do not have the coverage that you need. CIGNA will pay your medical bills and they will not fight you during the process.
CIGNA and the Importance of Comprehensive Health Insurance
Health insurance is a very important aspect of today’s society. Those people without health insurance often find that either they have to go without medical care or they incur hundreds to thousands of dollars worth of medical bills because they could not go without care. Neither of these choices are particularly good ones and with the variety of affordable healthcare options offered by CIGNA and other healthcare companies, there is no reason for anyone to forgo the healthcare coverage that they need. Whether you are a low-income family or have a middle to upper income level, you need to make the decision to purchase healthcare coverage to protect you and your loved ones.
Compare CIGNA Health Insurance Quotes
CIGNA, as well as other health insurance companies, offer a variety of healthcare plan options. Each plan will vary, and quite truthfully, some will be better than others will in regards to flexibility; however, the more flexible the plan the more expensive it becomes. What you can afford to pay will be a big determination as to what kind of health insurance you will purchase. Comparing rates between plans and insurance companies by using the free rate tool at the top of the page will help you to determine what kind of insurance you can afford to purchase.
CIGNA HMO’s vs. PPO’s
While Health Maintenance Organizations (HMO’s) were once the main choice for low-income families, many have found that a Preferred Provider Organization (PPO), while slightly more expensive, offers more flexibility at an affordable rate. HMO’s require you to choose a primary care physician and do not cover care outside of a network while PPO’s provides you with a network but pay a portion of your costs should you choose a doctor outside of your network. Typically, you pay a co-pay each time you visit your doctor, hospital or pay for a prescription.
CIGNA Indemnity Health Insurance Plans
The most expensive option for health insurance plans is typically an indemnity plan. That is because you have the flexibility to visit any doctor you want to and any specialist or facility that you choose. The flexibility is expensive because, while HMO’s and PPO’s regulate how much a doctor’s visit can cost, an indemnity does not (however, some indemnity plans offer only very limited benefits and are much cheaper than the more comprehensive plans).
You can lower indemnity rates by choosing limited plans (such as only doctor’s visits or only hospital visits type plan) or by choosing higher deductible. Most indemnity plans have a maximum deductible allowance and you can find out the maximums from a variety of insurance companies by speaking to an independent agent.
CIGNA Health Insurance and Pre-Existing Conditions
Another thing to consider when choosing the right health insurance plan and company is whether you have a pre-existing condition. CIGNA has their own set of rules about pre-existing conditions and it will likely not be the same as what another insurer will offer. When speaking to your CIGNA health insurance agent, make sure to ask about any pre-existing condition exclusions or limitations.
Some insurance companies require a waiting period of up to 18 months before they are willing to treat your pre-existing condition and if you have diabetes or heart disease, you cannot afford to wait over a year to have your condition treated. Make sure that you are choosing a plan that allows you to see your doctor immediately about any pre-existing conditions.
CIGNA Health and Wellness Program
Companies like CIGNA offer incentive plans for being healthy as well. CIGNA offers the CIGNA Health and Wellness Program, which provides tips for living healthy and support groups as well. They also provide weight loss tips and tracking devices and offer a discount if you successfully complete certain programs they offer. Ask your independent representatives if the insurance companies that you are considering offer any incentive programs for getting healthy, any discount offered is one that you should take advantage of, especially during these tough economic times.
Compare CIGNA Health Insurance Plans
While CIGNA is a well-known and well-established health insurance company, they are not the only good medical insurance company available to you. Take the time to use our free quote tool found that the top of the page and compare CIGNA with other reputable health insurance providers.
Talking to an independent representative is free as well and they are more than happy to answer any questions that you may have regarding the quotes you receive and the health insurance options that you have.
Whether you already have health insurance, or you are purchasing it for the first time, knowing your options and doing everything you can to save money is well worth your time. Why not use the free quote tool at the top of the page and get some rates from top companies now?
12 Comments to “CIGNA Health Insurance Company”
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Patty Higgins says:
Glad to see Cigna getting into the individual market of health insurance. I had them at one time in the group aspect and was well pleased.
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Carolyn says:
“I love Cigna. I have never had a problem with them paying my claims. I can call them at 24/7 and they have someone to answer my call and assist me with my issue. I love companies with 24-hour service. They really do seem to care about their customer’s needs.
I give them an A-plus. Thank you, Cigna!”
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f**k cigna says:
CIGNA is terrible, I have them through Pizza Hut and they don’t pay for s**t. They lie and tell you it will be covered but after you go they send you a letter stating it wasn’t covered.
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Rob Shelton says:
“I have Cigna through my employer Essilor, Inc. They are a multi-billion dollar corporation, but yet I pay nearly $900 a month for the lowest available plan for my family and I. I actually have not found anyone who pays even half that for the same plan, deductibles, etc…and I have talked to at least 50 different people in different types of companies.
Some of them actually pay just $150-$250 a month for the exact same plan I have. What a joke! I have to get a second job just to afford my health insurance. I’d be interested to see if there’s anyone else out there paying a similar premium for the lowest “”tier”” plan they have.
Someone’s pockets are getting fuller as mine are pulled inside out!”
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Jesse says:
“I have had Cigna for twelve years, and up until this year, they were great. Now they are denying a claim they approved, saying it wasn’t covered. Customer service is horrible and rude.
I just started looking around and it is sad how many lawsuits have been filed against them for the same thing. If you get it be sure you get WRITTEN proof of coverage before you make the claim.”
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Jacob Olson says:
“I have been waiting and going through appeals for the past year and a half to get my knee fixed. It started when I was 16, and I am almost 18. I have been unable to function normally for quite some time.
Finally, an appeal is accepted, and surgery date set for the 28th of February. Then there is some sort of error that made it so it did not cover the most important aspect of the surgery (paper pusher error). Now it has to be pushed back another month. It’s funny because they stalled the process by saying it’s an experimental surgery (It is far from it).
Cigna needs to stop stalling so I can have the surgery and get on with my life. I will also post this on other cigna review sites just in case this does not get put up.”
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John S says:
The company I work for is switching to SIGNA, does anyone have any recent feedback?
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Frances Taylor says:
“Everything is soooo expensive!
When my work had United, I was glad to have insurance. We changed to Cigna 2 years ago and I pay over 400/month out of paycheck (which I understand) but, recently, every appointment and prescription seem to be the same as if I didn’t have insurance.
$400 for a 3-minute blood draw at a lab, $300 for mammogram, $120 for generic medication, $200 for a doctor appt at the hospital that DOES take Cigna.
And I don’t trust them, the more I read about them. Sadness!!”
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Michelle Vincent says:
“I just recently acquired a Connecticut General/Cigna plan through my employer and I’m paying several thousand dollars a year for it. This company should be ashamed of themselves for the way they do business. The fact that they have a prescription cap of $500, annual out-patient cap of $1,250 and annual In-patient cap of $5,000 makes this one of the lousiest plans of “”coverage”” I have ever heard of.
It is only February and now because of a new diagnosis of a major illness, I have surpassed these caps weeks ago. So I cannot afford the medication my illness requires, I cannot afford the specialist it requires, and I cannot afford any trips to the ER or hospitalization. This is utterly ridiculous and should be criminal.”
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Dennis Coie says:
“Their negotiated rates per procedure are so low on their dental that none of the good dentists will touch them.
I could only find one dentist in my area that was in network and reimbursement was so low he tried to balance bill me for the remainder.
And their customer service is a joke.”
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Douglas says:
“I have been with Cigna Health spring for over 8 years, mostly because the Cigna Central location in Phoenix, AZ, is one block away from where I live. I have had some problems, but nothing like what happened today regarding Civid 19 Vaccination. I was told weeks ago, that they would not be giving out the Vaccine. But today, I got an e-mail saying they were accepting future vaccine reservations, (though not available now). SO they not only had the ability to make a sign up for waiting list, but also a sign up for people who were available to be there within 20 minutes, for any extra doses at end of day. I signed up for that as I am less than 5 minutes away. The email did ask you to print out a form to have ready for an appointment. Just so happens, that my printer did not work. So I walked 1 block away to Cigna to see if they could give me the form to have ready. I do not expect to receive my shot before my time, but would be available quickly if called at end of day.
When I went over to Cigna to ask for form, no one knew what I was talking about. From Entrance, to information, to Primary Care, they all said Cigna was not ever doing Vaccines. The woman in Primary Care insisted that I did not know what I was talking about, there were never doing vaccines. She told me I obviously could not understand what “”Spam “” mail was. I told her it was real, but she said she knew what she was doing, and I did not understand spam e-mail. I am 62 years, 27 yr HIV positive with no illness and undetectable for over 20 years. I also have DID, and have been on therapy for over 25 years. I am very capable of taking care of my medical management. I have been very diligent in my isolating during covid. I lost all my friends years ago to Aids. Many great doctors, and my due diligence has kept me safe, and isolated, during this Pandemic. It would be so disrespectful to so many, and even Humanity, if I did not appreciate and work to keep myselp safe. So anyway, at 62 years old, being very successful in surviving 2 deadly disorders, I was told by Cigna Primary Care that I obviously could not even understand an e-mail. Or Spam. It seems the e-mail is real, but Cigna Corporation did not care enough to inform any departments, or employees, of their new policies. I luckily have connections with Bayless and Dignaty Health. I will change my medicare, never use Cigna again, as soon as I can. I have never felt so disregarded as a person, or patient, in 30 years of keeping myself alive.”
CIGNA has a lot of affordable plans in my area (TX) and I haven’t had any trouble with them so far.