Cigna vs UnitedHealthcare
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.
Overview
Cigna
Undisclosed
UnitedHealthcare
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Ratings
Cigna
UnitedHealthcare
Reviews
Cigna
Reviews
UnitedHealthcare
Reviews for Cigna
Helpful Favorable Review
Heather H
April 27th, 2023
Sanford, FL
DETAILS
Cigna is an excellent company with decent in-network coverage as well as healthcare providers that widely accept Cigna. The transition my company made to Cigna coverage was exceptionally smooth and transparent.
Helpful Critical Review
hedgecutter
October 29th, 2024
DETAILS
They deny procedures more than any other insurance company I've had. My orthopedic surgeon said I needed an MRI since I can't move my shoulder without severe pain. The MRI request was denied claiming I needed physical therapy (PT) first. Did PT for 5 weeks and after no improvement, the physical therapist called to say no progress. Requested an MRI again and it was denied again. I'm elderly and trying to stay active, but they're basically stealing active months from my life. Very disappointing and will be dropping them asap.
Reviews for UnitedHealthcare
Helpful Favorable Review
Willie Phillips
December 9th, 2024
N/A
Verified Customer
Review Source
Helpful Critical Review
William Brooks
October 2nd, 2024
DETAILS
I am 71 and have COPD. United HealthCare violates patient rights to services. Congress has accused them of illegalities of Delay, Deny, Deceive. They made me wait a year extra to get oxygen therapy for my COPD. Their website is terrible. Customer Service Advocates have no authority to fix obvious misgivings and delay follow-ups or no follow-up at all. Medicare has fallen apart ... we need nationalized medicine to get rid of all the profiteering middlemen who don't want any lawful professional oversight. American healthcare ranks 79th in the world.
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.
