Cigna
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Author: Kaitlyn Short
Cigna is a global health insurance company that was ranked 13th on the 2020 Fortune 500 list. The company has more than 180 million customers and patients in more than 30 countries and jurisdictions.
Cigna has been in the insurance business for over 225 years, and it provides insurance packages for companies ranging from small (less than 500 employees) to large (more than 5,000 employees).
Cigna’s critical illness plan is just one of its many offerings, but it does cover additional conditions we haven’t seen with some of its competitors.
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The Good
- Range of Coverage
- Helpful Website
- Socially Responsible
Range of Coverage
Cigna covers the typical conditions covered by other critical insurance plans, but it has also taken special care to cover other conditions that affect different demographics and thus appeal to a wider audience.
These additional conditions covered include neonatal intensive care, Crohn’s disease, advanced obesity, and advanced sepsis. By covering these conditions and more with its critical illness plan, Cigna hopes to help the younger generations specifically see the value in enrolling in critical illness insurance.
Cigna’s ultimate goal is to provide the right coverage for the right people. Thus, whether you’re a young professional, a mom or dad in your mid thirties to forties, or ready for retirement, the company’s critical illness insurance will cover conditions for which you are at risk.
Helpful Website
Cigna offers plenty of information about its plans, benefits, and offerings on its website. It also has links to PDFs with information specific to its critical illness and other supplemental plans. These PDFs also contain infographics that are easy to understand and give you a clear picture of what Cigna has to offer you.
Sometimes big brands have websites that are easy to get lost in, but Cigna’s is well designed so that the information you want about its critical illness plan is easily accessible.
Socially Responsible
Like some of its competitors, Cigna has an extensive corporate social responsibility branch that works on social issues related to healthcare, the environment, and inclusion.
Its focus is on its program called Healthier Kids for Our Future, which aims to help kids build healthy habits now that will continue in their adult life.
The Bad
- Only Available Through Employer
Only Available Through Employer
From what we can tell, Cigna’s critical illness plan is available only if your employer is already offering Cigna insurance. If this is the case, you can opt in to critical illness supplemental coverage, but if not, you cannot sign up for the plan as an individual separate from an employer.
You do, however, have the option to keep your plan and coverage if your employment ends with a company that was providing Cigna insurance.
The Bottom Line
Cigna as a brand has been around an incredibly long time compared to some of its competitors. Its offerings, and specifically its critical illness insurance plan, are well developed and catered to the needs of the individual.
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