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Cigna

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211 User Reviews

7.7

Overall Score

Though its origins go back to 1792, Cigna was officially founded in 1982 when two companies merged. Since then, the insurance provider has grown worldwide, serving millions of customers in multiple countries.

Consumers considering health insurance companies need to understand the offered health benefit plans, what each policy covers and what it costs.

Is Cigna good?

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Customer Review: AGenes from Eagle Mountain, Utah

"Had insurance through them! I have no complaints. Their coverage was great and decently priced. Love them!"

Cigna has many health benefit plans to choose from. Cigna global health plans are available to independent buyers and businesses whose employees travel or work internationally. Typical health plans offer coverage domestically, so you'll need to get an international health plan if you want coverage abroad.

Positive Cigna reviews on Best Company talk about satisfaction with coverage, claims processing, and doctor networks.

Reviewers that gave Cigna a poor rating had difficulty resolving issues, getting pre-authorization, and getting claims paid. These are common concerns across the industry. Both positive and negative customer experiences are helpful to understand when enrolling in a health plan.

Read Cigna Reviews

In the United States, Cigna offers a wide selection of health insurance plans and several unique qualities. Cigna offers Medicare plans and HSA-compatible plans. It also provides dental and vision insurance plans.

Cigna also has good member resources for patients. If Cigna health insurance is available in your area and you find a quality, affordable plan, it is a good choice.

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The Good

  • Positive Customer Reviews
  • Types of Plans Offered
  • Dental and Vision Coverage
  • Group Plans
  • Supplemental Insurance
  • Member Resources and Perks
  • Helpful Tools
  • Customer Service

Positive Customer Reviews

Best Company has received a good number of positive Cigna health insurance reviews. Reviewers most commonly mention customer service. Claims and coverage are also mentioned in some positive reviews.

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Customer Review: Matthew J. Collin from Stephenville, Texas

"I love everything about this company they have made dealing with medical so easy. There has not been a single time I have had a bad time dealing with them."

Types of Plans Offered

First of all, it's important to note that Cigna is a worldwide company, with customers in 30 countries around the world. No matter what kind of coverage or insurance plan a consumer is looking for, Cigna will probably have a good option available.

Cigna offers a wide selection of insurance policies, including:

  • Medicare (Medicare Advantage plans and Part D)
  • Medigap (Medicare supplement insurance)
  • Health Savings Account (HSA) Compatible Plans (typically high deductible plans)
  • Health Reimbursement Account (HRA) Compatible Plans
  • Health Maintenance Organization Network Plans (HMO)
  • Preferred Provider Organization Network Plans (PPO)
  • International Health Plans

When you enroll in Medicare, you can purchase a Medicare Advantage plan or enroll in Original Medicare (Part A and Part B). Medicare Advantage plans cover the same medical care services that Original Medicare does but are managed by a private insurance carrier instead of the federal government.

If you enroll in Original Medicare, you can purchase a Medigap plan to control your out-of-pocket expenses and a prescription drug plan to cover your medications. Cigna Medicare options can vary by area, so work with the company to learn more.

Cigna health care insurance options also include indemnity plans and international plans. The one type of health plan that Cigna is unclear about providing is short-term insurance (except for short-term disability insurance).

Like other multi-state insurance companies, the availability of specific plans varies by state.

Covered services tend to be pretty similar across traditional plans, like a Cigna PPO and a Cigna HMO. However coverage levels, networks, and cost-sharing rules differ. For example, a PPO network offers more options for choosing doctors. It offers coverage and discounted rates for in- and out-of-network providers.

Additionally, some plans require prior authorization for some health care services before the insurance kicks in to help cover the health care costs. The insurance premiums also vary based on the number of people on the plan and demographic information, like age.

Most of Cigna's individual and family plans include access to telehealth providers so members can quickly get medical advice or be seen by a doctor remotely in non-emergency situations. Many plans include this as a complimentary service, though some do not.

If you're looking for an international health plan, you can purchase one from Cigna. These plans typically cover mental health, cancer treatment, and more. You can also customize these plans to meet your needs.

Dental and Vision Coverage

Cigna also offers individual and family dental and vision coverage as well. There are three types of dental plans to choose from, each of which covers a certain percentage of preventive services, restorative, and major dental work. A Cigna dental care plan is available to individuals and families. However, the terms and costs vary depending on the number of people insured.

  • Cigna Dental Preventive — This plan has no annual maximum and no deductible! As long as your dental work is completed by an in-network dentist, Cigna is responsible only for the costs of preventative work.
  • Cigna Dental 1000 — With this plan, your deductible is either $50 for an individual or $150 for a family. After that, Cigna pays a maximum of $1,000 every year for restorative dental expenses!
  • Cigna Dental 1500 — Deductibles with this plan are the same as the Dental 1000. The difference is that after that deductible, Cigna covers a maximum of $1,500 per year for restorative work. This plan also includes coverage for orthodontia.

While it is difficult to tell whether or not Cigna offers vision insurance that individuals can purchase independently, Cigna does offer plans that employers can offer employees. For more information, you'll need to work with Cigna directly.

Group Plans

Cigna insurance is also available to employers who provide health insurance and other benefits to their employees.

Cigna has a wide range of health plan offerings available to groups with different network structures. This variety makes it easier to find a health plan that works best for your group.

If you need to purchase international health coverage for members of your organization, Cigna also offers a good selection of plans. Its offerings are primarily for groups based in the United States and Canada. You can also find international health plans designed to cover short-term needs, which are ideal for business trips.

Cigna stands out for its international health insurance offerings because it offers plans designed for intergovernmental organizations (IGOs), nongovernmental organizations (NGOs), government employees, overseas students, and healthcare travelers.

Supplemental Insurance

Cigna also offers insurance policies for specific conditions, including heart attack, stroke, and cancer. You can also purchase whole life insurance through Cigna. 

Member Resources and Perks

Right away, it's easy to see how Cigna allows you to find an in-network provider, look up coverage, and perform all other basic tasks you need to as a member.

The Cigna website is fairly easy to navigate. Before becoming a member, you can tour the patient portal that Cigna has created for all members. This gets you acquainted with the website and allows you to see what resources you would have as a member.

You can also view the health benefits, coverage, and costs (copayment, deductible, coinsurance, out-of-pocket expenses, etc.) for plans and get a quote of monthly premiums for the plan you're interested in buying. And if you're interested in international insurance, you can get a quote for that too.

If you decide to register with Cigna, your resources expand even more. You're able to, of course, log into your patient portal and view your personal account information. Just as important, you can check a claim's status, acquire an ID card, find the form you need to download, look up your benefits, and find a doctor that works within Cigna's network (if you haven't already verified this).

Members benefit from a dedicated member customer service line as well, and through what Cigna calls the Health Information Line, members can contact the company 24/7. It's important to note, too, that Cigna provides more than explanations about benefits and forms. They also have sections with information about health care in general, including the changing laws, like the Affordable Care Act, that affect the industry.

Cigna also offers programs to support the health and well-being of its members. The Cigna Healthy Rewards® program offers discounts to members for fitness clubs, nutrition programs, alternative medicine, and more.

Helpful Tools

Cigna is more than one company. It has several subsidiaries that either focus on certain kinds of insurance or serve specific areas.

Cigna offers a good provider network, which makes it easy to find an in-network care provider. Aside from providing a fairly large network, Cigna gives members perks like a home delivery pharmacy and discounts on healthy products. These discounts come through the Cigna Healthy Rewards® program.

Cigna also gives members education about health care. Should your doctor suggest that you need an MRI, a PET scan, or a CT scan, you would benefit from the Informed Choice Program. Through this, Cigna informs you about facilities that would charge you the least amount of money for one of these procedures.

Finally, Cigna offers several apps. For example you can review your account balance, check a claim's status, find doctors and hospitals, and perform other member tasks with the myCigna app.

Customer Service

With millions of customers around the globe, customer service is important to Cigna. Cigna promises live customer service that is available 24 hours a day, 7 days a week, 365 days of the year. You can contact Cigna via mail, or phone. The mobile apps make communication much more convenient and transparent too. Cigna's company website is intuitive to use overall.

Cigna's contact page lists several phone numbers, but many of these have specific business hours attached to them. That being said, it's great that Cigna can provide 24/7 customer service, but it would do well to make these means easier to find for both members and potential customers.

Overall, it's clear from the company website that Cigna wants its customers to feel informed and to get the best prices. To help customers with this, Cigna offers convenient tools to look up benefits, acquire discounts, and of course search through available health plans.

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The Bad

  • Negative Customer Reviews
  • No Domestic Short-Term Health Insurance

Negative Customer Reviews

Unfortunately, Cigna has received a high percentage of negative reviews. High percentages of negative customer reviews is common with health insurance. However, some competitors have lower percentages of negative customer reviews.

The most common issues mentioned in reviews are issues having services covered, claims payments, and working through issues with customer service. Keep these reviews in mind as you determine whether or not to buy a plan from Cigna.

No Short-Term Insurance

Aside from short-term disability insurance and short-term international insurance, there's no clear mention of Cigna providing short-term health insurance (one health plan that other competitors do provide). These plans are designed to cover basic health services and have more exclusions than Marketplace health plans. They are designed to provide short-term coverage while you wait for a more standard health plan to start. If you're interested in a short-term health plan, you may need to find another insurer.

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The Bottom Line

An insurance plan provides discounts and cost-sharing for medical treatment and care, which can significantly reduce medical expenses.  Review a plan's premium, out-of-pocket expenses, and coverage to determine whether it will be a good fit. Out-of-pocket expenses include copays, the coinsurance percentage, the annual deductible, and annual out-of-pocket max.

Although some Cigna insurance reviews illustrate difficulties with claims, pre-authorization, and resolving issues, these concerns are not unique to Cigna. Those considering Cigna should be aware of these problems, but they may find similar issues with other insurers. 

Overall, Cigna offers a range of health plans and member perks that make it easy to find a plan to meet your needs.

Cigna offers plans that are compatible with HSAs and HRAs. Cigna has HMO and PPO plans, Medicare, and Medigap.

Cigna's network is large, although a customer's access to it depends on the kind of health plan they have. Cost-sharing rules for health care costs also vary based on the benefit plan chosen. Customers can also purchase vision and dental insurance from Cigna.

While it would be nice to have clearer information about their contact points and types of insurance Cigna doesn't offer, it's website still has plenty of resources to help members and potential members be more informed.

The coverage you do get through Cigna will depend on several factors, including your location, health situation, and the amount you want to pay for your monthly premiums. Cigna has search engines that are easy to navigate to discover plan options that are available to you.

Individuals who choose a health insurance plan from Cigna, have access to Cigna's member resources and services. Cigna makes it easy to find a primary care physician, specialized doctors, and other health care professionals. The insurance company also makes it easy to view the claims process and see the explanation of benefits.

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Star Rating

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211 Reviews

Review Breakdown

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24%

4 grade

20%

3 grade

10%

2 grade

6%

1 grade

40%

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Chelsea96 Bolton, BOL

Cigna customer service is ridiculous response to emails months, to get through on the phone 45 minuet wait and then when you get through staff very rude I would not recommend AXA is 100% better than Cigna on customer service

6 days ago

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Nell Damascus, MD

It was a good insurance company. I felt like we if options when choosing providers.

1 month ago

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Vicki H. Poolesville, MD

I used Cigna as a dependent on my husband's company insurance. Cigna was accepted by all of our doctors at that time and I never had any issues in paying any medical bills covered by the policy.

1 month ago

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Kurt Lucas Reston, VA

I like Cigna because I can use the doctor I want, and most preventative care is no charge.

1 month ago

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Steven Klaproth Phoenix, AZ

Great service and products and coverage. Love their products at a fair price with great customer service.

1 month ago

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northender Newark, NJ

Worst coverage I've ever had. They cannot provide details of costs ahead of time and NONE of my three doctor networks are in-network this year, resulting with 100% out of pocket costs, including well visits. Abhorrent.

1 month ago

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Cignaisworst Bend, OR

Worst health insurance I've ever had. It's probably easier/cheaper to be uninsured. The initial set up was confusing & frustrating, they send you a long email list with providers in network where it's the same repeating numbers or random nonsense(one of the phone numbers was for a emergency room social worker?? Another one was just the busy tone, another one I got the "subscriber not in service" message). It's been 2 months & I'm out 500 (so far) & I'm basically where I was when I started. Customer service is nice but not helpful.

2 months ago

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Tamra Ashby Salt Lake City, UT

Cigna has been a fantastic insurance company. They cover the expenses you expect and are easy to get ahold of and .ask questions and get answers.

2 months ago

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Ryan Matheson Garden City, ID

Great company and great insurance! I love their customer service department. Very helpful!

2 months ago

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Bessie B Gilbert, AZ

We had this coverage over 20 years ago and they were horrible even back then. I would never choose them if I had another choice. The was a lot of preapprovals to be able to do anything. They choose the doctors you could see and there was not any consistancy in being able to see the same doctor. I felt the physicians they had very not top quality.

2 months ago

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Lizzie Billings West Valley City, UT

Getting help is so slow. You have to wait on the phone forever and they are quick to reject claims.

2 months ago

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AngryCignaCustomer San Carlos, CA

If you have a choice, pick another insurance company. Otherwise, prepare to waste a lot of time fighting for your claims and worse ended up paying what your insurance company should have paid. #1. The names of their plan will confuse everyone - staff will ask me what's LocalIN plus, never hear of that. What's EPO? Is that PPO or HMO? #2. Be prepared to appeal. They will reject your claim for treatment ordered by your order. Hope your doctor can help. Otherwise, you are on your own. #3. Phone support is almost useless. People on the phone are trying hard to help but their knowledge is limited and they tried to search the web to answer your question. You can try to search their webpages too but good luck - very confusing. #4. Cigna's goal is to make money and not to take care of your health or pay your treatment. They tried their best to not pay and maximize their profit. Looks at how many bad reviews out there for Cigna. It is not just me. Look for other better options if you can so you can focus on your health. Take care and be safe.

3 months ago

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Tracey Columbia, MD

Overall great service. My insurance uses cigna for pricing so my deductibles and co-pays may be different as well as out of pocket cost, but I've never had an issue. My only problem with cigna is that they go thru ash for their chiro first and thats a pain in the rear to get communication with ash when there's a problem.

3 months ago

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bruce walter ,

High premiums, high deductibles, low care and service. Plain and simple, they just want your money and have implemented ways to NOT give you coverage. Another big company that doesn't care for its members.

3 months ago

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Rhonda Earhart , VA

I had a CIGNA health insurance policy via the Affordable Care Act when I was self-employed. Their coverage was phenomenal! Their website was easy to navigate. My employer offers coverage from a different company; however, if I ever needed to purchase health insurance on the market, I would choose CIGNA again.

3 months ago

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Brandon Murfreesboro, TN

The benefits I have used have been great, I have not had any issues to date with this provider.

4 months ago

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Beth Butler Hot Springs Village, AR

Cigna was the insurance I had through my workplace. It was really good insurance with very good coverage.

4 months ago

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Wendy Rowlette Morgan, UT

Using Cigna insurance has worked well for our family. We haven't had any issues with preapproval of procedures and the payments are made quickly and efficiently to our doctors and hospitals.

5 months ago

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Kim Berlin Alexandria, VA

Denied my boyfriend's diagnosis procedure to determine if he needs back surgery since he has been in pain for 3 years. Then they denied the appeal after he met all the requirements they specified he needed. Now he was on hold with member services for 6+ hours, after every 2 hours the phone would automatically hang up. Available 24/7 is a flat out lie. He only has this month left of coverage since he turns 26 and they are preventing him from getting any further treatment because they are about to drop him. What a sick, corrupt company!

5 months ago

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James Knight Tremonton, UT

We were with Cigna for a couple years and they did a good job of helping us manage our health care and benefit management. Customer service was always reachable and friendly.

5 months ago

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AKT Roseville, CA

This is by far the most miserable experience I've ever had with any company providing a service. It dethrones all of my previous negative experiences with other companies, including a now-defunct credit union that was mismanaging and irreversibly losing my funds, and a VA service for a dental operation that almost got me killed, due to poor surgery technique. Automatic billing information does not update on their auto-pay system if their is a change to your bank info. I take the blame for this (as I am used to services automatically updating themselves), but perhaps they could have at least informed me that my monthly payment was declined BEFORE a late penalty was incurred. I fixed my information to use the new card, but auto-pay stopped working. Even though I complained about this twice, I know have to go out of my way to manually pay each month, on their extremely buggy payment portal. Their website is constantly full of bugs, missing information, and straight-up lies. I even got penalized for a late payment of ZERO dollars and ZERO cents. When I attempted to pay my bill of zero cents, the payment was declined because banks think making a credit card payment of zero cents is stupid, and they are right. I reached out multiple times in writing and through the website's messaging system, pleading with them to contact me via e-mail, and they only spammed my phone with calls I would never be able to pick up. If I attempted to call them, THEY would never pick up because it was never during THEIR office hours. I attempted to eat the late fee by manually paying on their website (which took three days, because 75% of the time, their payment system is bugged and doesn't work), which resolved the penalties and e-mail spam for 1 month. Now, the system is saying I overpaid. Because Cigna absolutely refuses my wishes to be contacted by e-mail or US-mail, they constantly kept attempting me to contact me on my Cell Phone during work hours where I cannot answer. And after work or on the Weekends, if I tried to call them back, they would not be in-office (even though their website boasts 24/7 phone support). I paid into this company for a year, received 0 benefits (as I did not use any medical services this year), had several hours of my time wasted due to their terrible website and business practices, and am LEGALLY bound to paying THEM money until THEY decide I can dis-enroll (If I stop paying them, it does not end the contract, it just gives me RECURRING penalties that I am legally responsible for).

5 months ago

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Kim Peter Houston, TX

CIGNA Medicare Advantage plan is the worst experience. Too many promises but not a lot of coverage. Worst dental plan through Denta Quest, can not find a dentist in their network and Cigna did not help either. DON'T SIGN UP FOR IT

5 months ago

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Ginny Tremayne Logan, UT

We have been very pleased with Cigna insurance. We found it to cover more than our previous insurance did.

5 months ago

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Rob Denver, CO

Awful customer service experience. Cigna incorrectly applied my payment to my wife's policy, and, even after I had made the binder payment, they terminated my insurance! Because of this, I have been 2 months w/o insurance with empty promises of reinstatement, a refund, and callbacks. After nearly 4 weeks of phone calls to multiple supervisors, Cigna has crafted an argument to keep my binder payment which was not applied to any insurance. Further, they propose to back date my insurance two months asking for additional payments when I have never used the insurance. Absolute disaster, waste of time and energy, and ultimately a disgrace of an insurance provider.

5 months ago

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Rebecca Evans American Fork, UT

This company has covered a lot of expenses willingly for us for which we are grateful. Lately they have been giving more push back on needed procedures. They do come through on most, but it takes time and can be quite distressing wondering if they will be able to cover the costs.

5 months ago

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Jada Guzman Orlando, FL

DOES NOT fully cover clients medical bills. I owed and was almost sent to collections for this company!

5 months ago

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Sarah Crowther Draper, UT

We have a Cigna PPO plan with a No Deductible policy. Generally we are satisfied but there have been exclusions and would recommend researching the fine print of your individual plan before making assumptions of coverage.

6 months ago

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Andrew Hyde ,

The only thing I did not like about Cigna was how hard it was to find an in-network doctor in my region. The billing process what very consistent.

6 months ago

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James Knight Richmond, VA

Terrible business practices! My daughter has been sick for a year and they have denied her treatment over and over again. She has seen numerous specialist who all agree on her treatment path which would cure her. Instead the insurance company denies every claim while my daughter lives in misery everyday of her life. A quick google search will show that Cigna revenue for 2019 was $153.6 billion! How are they making so much money you may wonder. Well I can tell you they are getting rich off of the pain and suffering of others. I hope karma catches up with them in my lifetime.

6 months ago

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boscoe16 Ladson, SC

Mostly good, the range of coverage is okay and somewhat helpful with issues of coverage.

6 months ago

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Lexii H Hammond, IN

The customer service is great when ever I call and need help. They are open 24 hours also, which not many insurance companies are

7 months ago

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Jessica Archuleta Riverton, UT

I use Cigna as a second insurance since my husband's is our primary. They have been great to work with . They very easy to work with when it comes to them picking up what is left after my husbands insurance

7 months ago

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John Delmar, NY

Switch over to their COBRA coverage administered via Bswift....horrible! Phone systems with 50 minute holds routine, call backs that never come. Email systems that are send you confirmation system that go to other companies NOT there own. Then policy changes never occur. 60 days and no changes 8 phone call, 2 communications in person, no direct call back. ALL WITH THE THREAT OF COVERAGE CANCELLATION LOOMING WHILE THEY ARE NOT EFFECTIVE. NEVER EVER EVER RECOMMENDING AND ALWAYS WILL SHARE THIS OPINION.

7 months ago

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Rseibold Phoenix, AZ

CIGNA has gotten really good at making it very easy for you to schedule appointments with their app. they have everything laid out By ZIP Code and procedure needed. Only complaint I have is I’ve called multiple doctors and they say that I’m not in their network but it does show I’m in their network on the app otherwise they make it very simple for you to schedule appointments.

7 months ago

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Jon Posey Riverton, UT

We just changed to Cigna and I am not impressed. They boast a nationwide network but their network is small unless you pay for a larger one which at that point defeats the purpose

7 months ago

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Victor Kyler New Castle, DE

My company has been using Cigna for health insurance for about 4 years now. They have been sufficient but there are many procedures they don't cover at all like hearing care. Make sure you know what's covered before you buy a policy.

7 months ago

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Kevin Liu Sandy, UT

Cigna has good coverage options for my primary care doctors. Their web ports is very transparent and easy to use to find physicians and see what I’ve paid towards my deductible.

7 months ago

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Tiauna Anderson Salt Lake City, UT

I had Cigna for a year or so and the company was great at helping anytime we needed customer service. Our coverage was also sufficient for us!

7 months ago

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Carmen Murphey Abilene, TX

I have Cigna through work. They provide great coverage and offer education and physical fit options, training.

7 months ago

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Karen DeMann ,

I have had Cigna for a few years. We have a high deductible plan, I need to meet before coverage. I met my deductible last year, and the coverage after was very nice. I like the coverages before for physicals and check-ups. I think its good insurance.

7 months ago

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Z. Hines Pearland, TX

The cost of health care coverage with Cigna is very high and the out-of-pocket costs are even higher.

7 months ago

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Craig Carter Van Buren, AR

Very good company, paid clams timely very helpful when you need them and they them.ĺ

7 months ago

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Linde DeFrancesco Lancaster, PA

Very pleased with their services. They keep my medical info up to date which gives me peace of mind.

7 months ago

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Matthew J Collin Stephenville, TX

I love everything about this company they have made dealing with medical so easy. There has not been a single time I have had a bad time dealing with them.

8 months ago

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Timothy Ball Aiken, SC

Cigna is a predatory company. Some of their provider networks are so narrow they should be illegal. For example, there is a hospital 10 minutes from my house, but it is not in-network so now I have a $1,200 out-of-network bill because my infant child was choking. The closest in-network hospital is 30 minutes further. Also, their customer service representatives are not well trained and - either purposefully or inadvertently - communicate false information. This has led to avoidable out-of-network costs.

8 months ago

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Edye Payne D-I-L Louisville, KY

They provide good rates. They pay on time with no questons.

8 months ago

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Christine Wheeler New Albany, IN

Dear Cigna, My son has Mild Mental retardation. He had a seizure in the doctors office. He's having intense facial tics. Cigna's response to paying for a CPT code 95712 EEG. "This policy is meant for healthy individuals. You can't have any underlying conditions when you sign up for this policy." Apparently Cigna is above the pre-existing conditions laws that state you can't charge someone more due to pre-existing conditions. They offered to cover it for $600 more a month when I already pay $450 a month. First off my son is healthy. He has special needs and these are discriminatory practices. Saying that a child with MR is not healthy and won't be covered is the sickest most disgusting business practice I've ever heard of. IN CONCLUSION DO YOU REALLY WANT INSURANCE FROM A COMPANY THAT DISCRIMINATES AGAINST SPECIAL NEEDS?

8 months ago

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Ladyjojo

I had Cigna before working with a different company. Customer service is great where when you call in, you can always get someone to explain to you about your benefits and what's covered and how much your co-pay should be.

8 months ago

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Valorie Hudson

They have been very good to me and approve requests with more info submitted.

8 months ago

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Seyan Lucero Denver, CO

This is a good plan. Their online system is very helpful as you price out cost for services.

8 months ago

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