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?
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.
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.
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.
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."
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:
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.
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.
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.
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.
Cigna also offers insurance policies for specific conditions, including heart attack, stroke, and cancer. You can also purchase whole life insurance through Cigna.
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.
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.
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.
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.
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.
Call our recommended rep over at Cigna below.
In years of experience with United Health Care and Oxford, my experience with Cigna has been absolutely terrible. Cigna has the worst pay out ratio, the highest rejection levels, and the most frustrating exclusions. I would never pick Cigna if not for the mandatory choice of my employer. Terrible quality - there are many superior insurers.
I have had nothing but a horrible experience with Cigna. They’re a mess. I was passed around to three people, one of whom being the lead for their short term disability department. The first person i dealt with didn’t even investigate, and their lead admitted it before passing me off without communication to someone else. My appeal (which occurred due to the first person not doing anything, so if you get Rahim, run.) was then drug our weeks with little to no communication, and now I have an address change that’s been on file and they’re still refusing to send it to my actual address?? Not to mention the complete inadequacy in regards to mental health. Their entire front of being cohesive and open is a joke. I have never had to deal with more inconsiderate and biased people in my ENTIRE life. The only decent person was someone in their call center, who I spoke to to file the first complaint. They will weasel their way out of helping anyone, and focus on the one fine print, neglecting doctor testimonials and even the exact issue at hand. It is disgusting and immoral. Cigna is a waste of money, and an absolute mess. They sent at least ten half faxes to one of my doctors, who was completely confused because it was the exact same thing she had already sent in. Disorganized, i’ll-equipped, and pathetic. Do not waste your time or money.
I have been with Cigna for 3 years now and I will never go anywhere else. There customer service and claims payout are 2nd to none. I have been able to see specialist without waiting to get a stupid referral from my doctor. My agent has made using this plan very easy to use and understand. For anyone complaining about Cigna maybe you need a better agent, the coverage Cigna provides is incredible and your agent should be there to help you whenever you need it.
Very unfriendly process to get reimbursed and unprofessional people. Everything is made to discourage you. When you call the number indicated you have directly the voice mail and of course they never call you back. And when finally you manage to create a claim after 2 hours of persistance to comply with all their criteria, they just remove simply your claim the day after. On top of that they ask a million documents to send by scan but the download size is limited to maximum 2 documents! I wish I had ead the review before subscribing. As it was offered by my company,I thought it was a serious and professional insurance. Obviously they are not: almost 200 review and average is 1 star! (less is technically impossible unfortunately)
Executive Response team needs to be evaluated for lack of response and misleading patients. KR the leader for the team has been trying to solve issue on someone using my medical insurance card that was not me for the past 6 month my concern is this will have a negative impact on me as I have not received the services
The associates at Cigna are polite and helpfu, but the insurance denied several of my claims during a hip replacement. One denial was an ice machine. Cigna would not pay because it is deemed experimental or not a proven treatment. Many other insurances paid for this item because they recognize that ice is an effective treatment for swelling. You may want to read other reviews if you have options in choosing your healthcare.
The worst insurance company I ever seen. I am giving a 1 start because I can not give a 0. I have an ear infection and I called customer service to get an advice on where to go, they assured me than MD now can resolve my problem, I ask I do not want to go to MD now and pay $75 for them to say we can not resolve your problem here, then the customer service representative told me they sure will resolve your problem and guess what? They did not, they told me that I need to go to an Specialist to drain my ear, that is exactly I was trying to avoid and because of Cigna guarantee me MD now will resolve my problem, I went there. I will definitely cancel this insurance where the customer service is a useless
we currently have Cigna as our health care provider. So far Ive found the coverage and service to be quite good. Although we haven't ever had to submit any major claims, When we have had claims submitted they have always been paid in a timely manor.
I have had quite a few different insurances over the last 10 years and Cigna has by far been my favorite. I feel like their coverage has been much better.
Cigna is Awesome! Love the easy to website that directs you to providers in your area. Prompt and informative EOB's and helpful billing representatives that are patient and courteous.
We changed insurance to Cigna in the last year. Their customer service is helpful and will take the time to help you sort things out. It is also very simple to figure out which places you have coverage at.
They, whoever They are, at Cigna denied an anti seizure medication for my 81 year old husband. He’s been on it since his first and only seizure. It works. It’s been suggested he try a less costly drug. Anyone who’s witnessed a grand mal seizure can understand our reluctance to play Russian roulette with an unproven drug. World class medicine gave my husband his life back only to be threatened again by a bean counter at Cigna. I’ve spent three hours on the phone, to date, neurology nurse spent a couple of hours dealing with Cigna, Cigna staff spent at least five hours on same. Total cost of person hours would have paid for the right drug. Stupid
WORST INSURANCE COMPANY EVER- Their customer service is non-existant. I quit smoking back in December- completed their smoking cessation program (which entailed some guy talking to me about how he brushes his teeth?!?) and am STILL getting charged for being a smoker because they cannot figure out how to send information to my benefits team. I have talked to over 15 people, supervisors, etc. No one returns calls except to tell me they need 10 more business days to look into this. They were the once I completed the program with! What is so confusing about this process? I am already out an additional $300 because of their incompetene. I hate their company with a passion and hope their go bankrupt.
Prior to being married, I carried Cigna insurance. I wasn't impressed. I was frustrated on being limited to certain doctors I could go to.
Im a current Cigna customer, i havent had to worry about anything with doctors, they've helped me with all the questions that i've had. Love the app, makes it easy to show ID!! highly recommend it
we have had Cigna Health insurance for a couple years now. I was worried about switching providers but we haven't had one issue so far with Cigna. Any claims we have had have been paid in a timely manner and without problem.
Their costumer service is always easy to get a hold of and are very friendly when answering all my questions. Unfortunately they do not always hold true to what they say. Although you have to make appointments with doctors on their providers list, there seems to be many qualified doctors to choose from. You can go to a doctor not on the providers list, but its will cost you more money.
Cigna discontinued a medication that I have been taking for 2 years because they have eliminated coverage for this class of medication. I'm a moderately healthy person who goes to the doctor once a year for my annual check up, and I take two medications daily - one of which they just eliminated. I hope they are ashamed that they are playing roulette with people's health. I would sooner cancel this racket you claim to be insurance and pay out of my own pocket rather (and any penalties for doing so) than give you crooks one cent. What gives them the right to trump my doctor? Disgusting.
RUN, don't walk, to another company. They are horrible to deal with. They deny, deny, deny with their pre-certification procedures, regardless of medical necessity and their own written guidelines that you can read on the eviCore website. Their only interest is in taking your premiums and making as much profit as possible for the CEO and top execs. Paying for insurance without the BENEFIT of proper insurance is not what paying for insurance is supposed to be about. Look online at the lawsuits that have been filed against them for scamming customers, overcharging them for prescription kickbacks, overcharging them for co-pays, etc. They have some of the highest rates of denials and complaints and overturned appeals for a reason. Employers are using them because they are cheap for employers. Employees are getting screwed with this horrible insurance. If you can afford another option, buy it or get a wrap-around plan. Cigna won't cover your needs if you need something other than routine care or have a medical crisis. And they can make your life much, much more stressful and financially devastating at the same time.
Cigna is an amazing insurance, they covered me for MRIs and xrays. I have not had any surgeries so I cannot speak for their coverage on them but on all small things they come through. My family trusts them and so do I.
horrible. I used to be a Cigna member through the company I was with and had no problems. I tried to help my S/O join as well. We had to fill out the information for them to call to give us a rate. So they call and tell us it’s 200 a month. Me and my s/o wanted to talk about it first and the guy on the other line was saying how we wasted his time and not to fill out forms if we are not looking to apply and was completely rude. Very unprofessional
Basic women's preventive procedures are not covered - I'm paying out of my deductible, which is OUTRAGEOUS! Also, they will not allow more than 30 day supply of any medication. In my 40+ years, this is the absolute worst health insurance I've ever had. Really disappointed that my employer switched from United Healthcare.
Cori Jacobsen Ollerton
We worked with Cigna for years. Recently we changed to another company and have missed the prices and costumer service that Cigna offered.
I really like Cigna. Their customer service reps are easy to work with on claims, and have a low denial rate. I like that all the doctors me and my family see are part of their network.
The Copays are on the higher side but there are a ton of options for specialists and general practitioners all over the DMV and ever major pharmacy takes them the App is also super useful and easy to use when it comes to helping you find a new doctor.
I have only used the Amwell feature. I was sick and couldnt drive to a doctor. The remote appointment was awesome. I could describe my symptoms, talk to a real doctor via video chat and get a prescription. it wasn't cheap, but was WELL worth it. I will definitely use it again ( hopefully, I won't have to anytime soon)
Their website is easy and intuitive to find the information you're looking for. EOBs are generated and available within a few days of your visit and notified electronically versus receiving in the mail.
My experience with Cigna has been great. Great coverage, straight forward plans and customer service when i've had to call has been easy to deal with
Like many other insurance companies, I found they were focused on cost rather than care.
Having Cigna insurance helps ensure that my family and I can obtain health care, without having to worry about the money.
My company currently uses Cigna and I am pleasantly surprised how much I like them. I haven't had any concerns yet and have not needed to talk to customer service so I hope it stays that way! I'm bringing my husband over to my insurance plan in Jan 2019!
We used Cigna for a while and liked it quite well. It wasn't our choice, but rather what our employer offered, but we felt like it offered good coverage for a reasonable premium. It only worked with a certain hospital network, though, which meant we couldn't go to the hospital nearest us for urgent care. Most local doctors accepted it.
I had cigna growing up and loved them. Was able to go to specialty doctors that I chose and loved. Had a low copay, if any, at most places. Didn't have to get referrals.
Very expensive medical plan. Good coverage but not much better than other programs.
First time having them as our insurance. So far they have been easy to work with. I was happy to see my doctors in the network and I have only had to my co-payment for my visits. I did have to pay some for labs but it was a small amount for which I was grateful!
I love Cigna. They are very responsive and communicative, both online, prescriptions, and through phone calls from us to them. They have lots of choices of doctors in network wherever we have lived.
We have this health insurance through my current employer. So far it's been pretty good. We've only had to use it for going in for annual women's exams and labs, but it's been good.
Great insurance! We have so many options for doctors and services. I really like their website as well
The claims processors keep putting one of our doctors as out of network even though they are in network! Takes way too long to correct these problems. I'm on MyCigna daily to see if they actually processed a claim correct or not. Majority of the time they screw up the claims. Some customer service reps are rude and don't really care. Other are helpful but can't fix Cigna's errors and they have to send it -back to get reprocessed again which will take 7-10 days and up to 21 days. To get a refund from them is ridiculous and they try everything to keep your money. When they overpay you, they want it back NOW!!! We have a case manager, left emails and phone calls and have not heard back from her. Not surprised.
My experience has been good. They have a good online claims review site. They process claims timely.
We have Cigna insurance through Mountain View hospital in Payson. It is very good. All caregivers I have wanted to go to accept Cigna. It is a very good and dependable insurance.
Terrible customer service and a back office that is fraught with errors. They cant do basic things like update addresses and they provide conflicting info when you call.
I was not happy with their customer service at all. They also did not have the right insurance for me.
I have spent more time trying to get them to issue my refund check then it is even worth. They are suppose to send a check for $312.38!! That's it....not a big number. They keep reprocessing the codes and randomly come up with different amounts. It has been over the year since the service and everytime I call "well, that's not right. I will have them send it back to claims to reprocess" EVERYTIME! I just sat on hold for 45 minutes to hang up and come to the conclusion I have spend more than $312 on the phone waiting while I could be doing other, more productive things. Such as writing a review saying if you have a choice DO NOT WASTE YOUR TIME ON CIGNA! Makes me wonder how many other claims they are " incorrectly processing to save money.
The worst health insurance. They deny most procedures doctors apply for. They used cheap labs to process your blood samples which takes a long time for you to get the result. They spend lots of money, customers' money, on TV ads, trying to attract innocent customers. They collect customers' money and deny their benefits.
Cigna has been the worst for claims. I submitted medical expenses to get reimbursed three months ago and still have not received anything. I used to have Horizon Blue Cross and they would take a maximum of two weeks to let me know that I would see the funds in my account within the next 5 business days. Meanwhile everytime I call Cigna for an update, not only is it a headache to talk to the representatives, but it seems like nothing has even been started with my claims and they continuously tell me to wait another week. I cannot wait to switch health care companies. Even if I have to pay more, I will at least know I will get better service.
We recently got Cigna and switched from another carrier and they have been great. I have spoken with them multiple times and they have been very helpful in sorting out networks and services.
Had Cigna for a little while and loved it. Until it was hard to get a live person on the phone. Once a person was on the other line, the agent was very rude as if I was burdening her. Would hate to see a good company get a bad name for something that could be a simple fix.
Won’t cover the only emergency hospital in our town.
Terrible insurance.A total acam.Anthem pulled out of our atea.Their home office is here in Richmond Va and they don’t even offer polocies here.Health insurance in america is a scam