Cigna vs UnitedHealthcare

McCall Martin
McCall Martin | Senior Editor

You want to buy a medical plan from a trusted health insurer. It's hard to go wrong when choosing between Cigna and UnitedHealthcare. Cigna and UnitedHealthcare offer a wide variety of health insurance plans including plans for individuals and families, Medicare, international health insurance, and plans that employers can offer employees. 

UnitedHealthcare stands out from Cigna for its student health insurance plans, while Cigna stands out for its Healthy Rewards® program.

Since plan costs and details vary health plan to health plan and there is some regional variability, it's worth comparing coverage plans from each insurance carrier before making a final decision.

Cigna logo
#8 Cigna
6.1 Overall Score
2.6
star star star_half star_border star_border
(318)
UnitedHealthcare logo
#4 UnitedHealthcare
7.0 Overall Score
3.1
star star star star_border star_border
(521)

Overview

Cigna

Health Plan Options

Customer Service Options

Perks and Support Programs

Time in Business

Undisclosed

UnitedHealthcare

Undisclosed

Ratings

Cigna

Overall Score
6.1 of 10
Review Score
2.6
star star star_half star_border star_border
Value for Money
2.5
star star star_half star_border star_border
Quality of Product or Service
2.5
star star star_half star_border star_border
Company Trustworthiness
2.6
star star star_half star_border star_border
Likely to Recommend
3.0 of 10

UnitedHealthcare

7.0 of 10
3.1
star star star star_border star_border
3.0
star star star star_border star_border
3.0
star star star star_border star_border
3.0
star star star star_border star_border
4.6 of 10

Reviews

Cigna

Number of Reviews
318
Review Breakdown
2.6
star star star_half star_border star_border
1 star
47%
2 star
6%
3 star
9%
4 star
16%
5 star
22%

UnitedHealthcare

521
3.1
star star star star_border star_border
1 star
36%
2 star
6%
3 star
6%
4 star
19%
5 star
33%

Reviews for Cigna

Helpful Favorable Review

star star star star_border star_border

Velma Merritt

February 11th, 2022

DETAILS

Cigna was excellent health insurance. HOWEVER, they were to refund me one month's premium. It was to arrive in 15 days. It has now been 30 days and no refund. I find businesses like Cigna want their payment on or before the due date but when they owe the customer money, time becomes irrelevant. Because of this I would definitely think twice before I would have their coverage again. I stayed on the phone with them three hours, my insurance agent has called them numerous times. Still no refund.

Helpful Critical Review

star star_border star_border star_border star_border

Linda Naili

February 3rd, 2023

A very unprofessional and unethical insurance....they have been covering my son's therapy for 2 years and they now suddenly and conveniently decided to reject it using a false justification with no medical ground. Unacceptable and really the last thing you need when having a kid with an acute condition.

Reviews for UnitedHealthcare

Helpful Favorable Review

star star star star star_border

NotWhatItUsedToBe

January 4th, 2023

DETAILS

The Insurance Company has good benefits, but their Customer Service is awful. I've only been with them since october 2022 but have had to contact Customer Service 3 times. No-one at Customer Service has been able to answer my questions re my health insurance coverage. I am again going to have to contact my agent.

Helpful Critical Review

star star_border star_border star_border star_border

Sjcoyote

December 13th, 2022

DETAILS

Signing up for short term coverage with United HealthCare was difficult. Coverage was different than I expected--what I signed up for online was different than the paperwork I received outlining my benefits. Additionally, I signed up for a single month of care in between jobs, specifying a coverage end date in my application, but they continued to charge me. Once I realized this halfway into the next month, despite having other healthcare, I was not refunded. I didn't end up using the plan at all but had it put in place in between jobs. Very much a waste of time and money!

The Final Word

Cigna offers its members helpful tools, resources, and incentive programs with many of its health plans. Cigna members can view claims, find in-network providers, and more through their online account. They can also access this account with a mobile app.

Cigna also includes telehealth with many of its plans for free. This service allows patients to work with doctors remotely through video chat or over the phone. This service is convenient because it means that you don't always have to meet with your primary care physician if you have a question or need non-emergency medical advice.

Many of Cigna's plans also include participation in its HealthyRewards® discount program. This program offers discounts on products related to nutrition, vitamins, fitness, alternative medicine, and more.

UnitedHealthcare also offers its members an online account and a mobile app to help them manage their health care. It also has programs to support its members with starting and keeping healthy habits. These include programs for dealing with addiction, weight loss, and maternity.

UnitedHealthcare members can also access non-emergency care and advice via video chat. Its program is called Virtual Visits and is included with many of its plans. Virtual Visits can be more convenient than scheduling an appointment with your primary care doctor and going to a clinic when minor health concerns arise.

UnitedHealthcare also offers student health plans. For those interested in plans geared for students, UnitedHealthcare is a good option.

Both UnitedHealthcare and Cigna offer additional insurance products. UnitedHealthcare offers dental insurance, vision insurance, hospitalization insurance, term life insurance, accident insurance, and critical illness insurance.

Cigna offers lump sum heart attack and stroke, lump sum cancer, cancer treatment, whole life, and dental insurance. These additional offerings are beneficial if you're looking for additional insurance coverage.

While the additional benefits included with each plan are a little different with each insurer, you should also consider the coverage and costs of health plans offered by each health insurance company before enrolling in a health plan.

Top Choice

UnitedHealthcare Logo
UnitedHealthcare

Other Featured Comparisons