Cigna vs 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. United Healthcare 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 plans across companies before making a final decision.

Cigna logo verified_user
#3 Cigna
7.4 Overall Score
2.6
starstarstar_halfstar_borderstar_border
(151)
UnitedHealthcare logo verified_user
#6 UnitedHealthcare
6.9 Overall Score
3
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(242)

Overview

Cigna

UnitedHealthcare

States Serviced
States Serviced
50
Undisclosed
Time In Business
Time In Business
37 Years
45 Years

Ratings

Cigna

UnitedHealthcare

Overall Score
Overall Score
7.4 of 10
6.9 of 10
Review Score
Review Score
2.6
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3.0
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Value for Money
Value for Money
2.5
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2.8
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Quality of Product or Service
Quality of Product or Service
2.5
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2.8
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Customer Service
Customer Service
2.7
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2.9
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Company Trustworthiness
Company Trustworthiness
2.6
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2.8
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Likely to Recommend
Likely to Recommend
1.8 of 10
3.1 of 10

Reviews

Cigna

UnitedHealthcare

Number of Reviews
Number of Reviews
151
242
Review Breakdown
Review Breakdown
2.6
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5 star
19%
4 star
21%
3 star
9%
2 star
6%
1 star
45%
3.0
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5 star
27%
4 star
24%
3 star
7%
2 star
7%
1 star
34%

Reviews for Cigna

Helpful Favorable Review

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Terri wills

September 24th, 2019 Frederick, MD DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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Cigna saved my life! I went into the hospital two years ago for suicide. Cigna was on it, they gave me a case manager, they gave me a counselor 24 seven 365. They set me up with the mental health professionals that I needed. They helped me with medical as well. But it when it comes down to it Cigna saved my life!


Helpful Critical Review

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Josef Bloch

January 14th, 2020 Cassville, NJ DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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Couldn’t be worse. Their policy as to paying Medical bills is very simple and straightforward. JUST SAY NO!! They turn down everything. The best most accredited Doctors can recommend a test and Cigna will make you jump through 17 hoops and end up saying NO! So you pay for Cigna Insurance and you pay your own Medical bills.


Reviews for UnitedHealthcare

Helpful Favorable Review

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Rick

October 15th, 2019 Austin, TX DETAILS arrow_drop_down
Value for your money
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Quality of product or service
starstarstarstarstar
Customer service
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Company trustworthiness
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We have the All-Savers product. Good network of providers. They pay their bills timely. Love their UHC Motion product which rewards individuals for the steps and type of steps taken during the date.


Helpful Critical Review

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Frank

January 20th, 2020 Dallas, TX DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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I have chronic medication and United healthy care as my primary and only health insurance provider managed to prevent the refill of my prescriptions for over 4 weeks. Countless hours of calls to inefficient and inexperienced staff and overseas call centers. Some of the calls taking more than 80minutes. At the end of each call they tell you the matter will be resolved however two days later you get another message stating that there is an issue with your refill. To date the matter is still unresolved


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. Many of Cigna’s plans also include participation in its Healthy Rewards® 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 keeping and starting 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.

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 may be beneficial for some people.

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

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