- BlueCross BlueShield vs Cigna
BlueCross BlueShield vs Cigna
BlueCross BlueShield and Cigna are well-known health insurers. Both offer insurance in many parts of the United States. Both companies have plans for individuals and families, Medicare, international health insurance, and plans for employers to offer employees. Health plan availability for both varies depending on your location.
Unlike Cigna, BlueCross BlueShield works through subsidiaries in the areas it offers health insurance. Because of the differences among its subsidiaries, it’s difficult to compare BlueCross BlueShield to other health insurers.
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Overview
BlueCross BlueShield
Cigna
Reviews
BlueCross BlueShield
Cigna
Reviews for BlueCross BlueShield
Helpful Favorable Review
Mia miga7440
Ive had BlueCross BlueShield for years, and Ive never had in troubles with my medical bills. Its a great insurance company and covers almost everything. I highly suggest this insurance company for you and your family.
Helpful Critical Review
Emily
I had their coverage under Medicaid and I was paying so much for my monthly premiums and had to pay so much out of pocket and had very limited provider options. The insurance I have now is much better and I pay less.
Reviews for Cigna
Helpful Favorable Review
Rickey
Cigna customer service is really nice, especially with their extra features. I had a bad experience once with a teledoc appointment and left them feedback internally. They called me back the next day, refunded my appointment, and thanked me for the suggestions on how to improve the service. I've never had an issue with them working with doctors on payments or denying any claims. I've used Cigna for 3 years.
Helpful Critical Review
Linda Lewis
I called to ask if work was going to be covered under 2019 or 2020 benefits, and was told it would be under 2020. After the work was done, they refused to cover it, saying it was under 2019 and my benefit had already been used. I went through ALL of their appeals - which, by the way, are all in-house - and they still refused. If you can't trust the information they give you over the phone, then you can't trust them, period.
The Final Word
BlueCross BlueShield and Cigna both offer rewards and discount programs with many of their plans.
BlueCross BlueShield’s program Blue365® offers discounts on products and services that support financial health, nutrition, fitness, and more. Blue365® is not available from all of BlueCross BlueShield’s subsidiaries. Check with your BlueCross BlueShield subsidiary to see if you’d have access to this program.
Cigna’s program Healthy Rewards® offers discounts on alternative medicine, vitamins, fitness, and more. It is included with most of Cigna’s health plans. Most of Cigna’s health plans also include Telehealth, which allows members to schedule virtual appointments with doctors. This feature makes it easy and quick to meet with a doctor for non-emergency situations.
BlueCross BlueShield stands out from Cigna because of its Total Care and Blue Distinction® ratings for health care providers and hospitals. These designations consider both the quality and cost of health services offered by providers and hospitals.
While Cigna and BlueCross BlueShield are fairly similar, the rewards programs offer different kinds of discounts. Learn more specifics on health plans offered by each company in your area and compare coverage and cost before enrolling in a health plan.
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