Cigna Health Insurance Review

Is Cigna a good health insurance company? Yes, it offers health insurance plans in 13 s

Is Cigna a good health insurance company? Yes, it offers health insurance plans in 13 states on the ACA marketplace. The company has over 1.5 million relationships with facilities, healthcare providers, and clinics. In addition, it partners with over 67,000 pharmacies in the United States.

The insurance provides cooperation packages on the health insurance marketplace and health maintenance services. Further, it provides Medicare Part D prescription drug plans and Medicare Advantage plans in 16 states.

 What are the types of Insurance offered by Cigna?     

·         Dental Insurance

·         Health insurance

·         Medicare

·         Supplemental Insurance

Which Cigna health plan is best?

Cigna offers two main policies on the health insurance marketplace. They include:

·         EPO: An exclusive provider organization (EPO) package that takes place within the plan's network. The good news is that you don’t need a referral to see a doctor.

·         HMO: A health maintenance organization (HMO) package requires a person to seek care from a leading plan's network. However, if you go against the provider's terms, you won't be covered. Unlike with the EPO, you need a referral to visit a doctor.

Cigna supplemental health insurance reviews

Here are Cigna’s special benefits:

·         Customized alerts for cost savings, health coaching, and specialized care.

·         Preventive care visits and $03 virtual care.

·         Generic prescription drugs or $03

·         Capability to talk with specialist 24 hours a day through a tablet, smartphone, or laptop

·         Take Control Rewards program

Best Cigna Health Insurance plans 

 According to National Committee for Quality Assurance (NCQA), Cigna health insurance offers member satisfaction, quality care, and health plan improvement efforts. 

According to Forbes Advisor specialist, Cigna health insurance rank 3.3 out of 5 from the NCQA. However, it doesn’t have any five-star packages. But it has 5 health insurance packages with four stars

Cigna Health insurance Complaints   

Cigna health insurance isn’t the best health insurance competitor, especially when it comes to consumer complaints according to the federal government insurance.  Cigna rated a 1.4 complaint rating and which means it always receives many consumer complaints compared to other health insurance companies in the United States.

How much does Cigna health insurance cost?

Cigna's insurance premium plan in the ACA marketplace costs nearly $443 for a 30-year-old.  While a 40-year-old plan cost around $497 on average. A 50-year-old costs nearly $697 on average.

Cigna Health insurance costs vs. Competitors

Cigna

UnitedHealthcare

Aetna

Kaiser Permanente

Where is Cigna health insurance accepted? Here are some states where ACA marketplace plans are offered

Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Kansas, Mississippi, Missouri, North Carolina, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia

Alabama, Arizona, Colorado, Florida, Georgia, Illinois, Louisiana, Maryland, Massachusetts, Michigan, Nevada, New York, North Carolina, Oklahoma, Tennessee, Texas, Virginia, Washington

Arizona (Banner Aetna), California, Delaware, Florida, Georgia, Illinois, Missouri, Nevada, New Jersey, North Carolina, Texas, Virginia

California, Colorado, District of Columbia, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington

Types of plans offered

HMO, EPO

HMO, EPO

HMO, EPO

HMO, EPO

Metal tier plans offered (may differ based on location)

Bronze, Silver, Gold

Bronze, Silver, Gold

Bronze, Silver Gold

Bronze, Silver, Gold, Platinum

Size of provider network

The global network of more than 1.5 million relationships with healthcare providers, clinics, and facilities

More than 1.3 million medical providers and 6,500 hospitals and other care facilities across the country

More than 1 million providers across the U.S.

More than 23,656 physicians of the Permanente Medical Groups, 65,005 nurses, and 75,000 allied health professionals in our 39 hospitals and 734 medical facilities

Number of five-star NCQA commercial plans

0

0

0

1

Courtesy of Forbes Advisors 

Cigna vs. Other health insurance providers  

Methodology

There are over 180 health insurance plans offered by the best health insurance companies in the United States. So, Forbes Advisor’s rating depends on: 

The Pocket-friendly Care Marketplace (25 of score):  We used the United States average quality rating specifically for the firm’s package. We noted that the company’s Forbes Advisor rating depends on the NCQA and complaints score. While health insurance costs are based on the United States health insurance marketplace. 

Complaint made to the United States insurance department (50% of score): We utilized the complaint data from the National Association of Insurance Commissioners to come up with a such figure.

National Committee for Quality Assurance (25% of score):  The National Committee for Quality Assurance (NCQA) is a nonprofit, independent company that generates ratings and accredits health packages based on certain metrics.