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
#4 Cigna
7.3 Overall Score
2.6
starstarstar_halfstar_borderstar_border
(160)
UnitedHealthcare logo verified_user
#6 UnitedHealthcare
7.1 Overall Score
3.1
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(290)

Overview

Cigna

UnitedHealthcare

States Serviced
States Serviced
50
Undisclosed
Time In Business
Time In Business
38 Years
46 Years

Ratings

Cigna

UnitedHealthcare

Overall Score
Overall Score
7.3 of 10
7.1 of 10
Review Score
Review Score
2.6
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3.1
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Value for Money
Value for Money
2.4
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3.0
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Quality of Product or Service
Quality of Product or Service
2.5
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3.0
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Customer Service
Customer Service
2.7
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3.0
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Company Trustworthiness
Company Trustworthiness
2.6
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2.9
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Likely to Recommend
Likely to Recommend
1.8 of 10
4.0 of 10

Reviews

Cigna

UnitedHealthcare

Number of Reviews
Number of Reviews
160
290
Review Breakdown
Review Breakdown
2.6
starstarstar_halfstar_borderstar_border
5 star
19%
4 star
20%
3 star
10%
2 star
6%
1 star
45%
3.1
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5 star
30%
4 star
23%
3 star
7%
2 star
6%
1 star
34%

Reviews for Cigna

Helpful Favorable Review

starstarstarstarstar

take7

February 27th, 2020 Sandy, UT

Our Cigna we can take almost everywhere we need to with doctors and clinics. Their customer service is excellent when I call to confirm coverage. The make contact with the providers and they even follow up with you. Plans and cost fits our family and is affordable for us.


Helpful Critical Review

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John F

February 21st, 2020 Houston, TX DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

CIGNA is the worst insurance company due to David C. In a direct effort to boost his bonus he is dmanding a 30% reimbursement reduction from the largest hospital network in Houston, Memorial Herrman. David is personally screwing his 160,000 customers in Houston and he knows exactly what he is doing. There is a special place in hell for David C.


Reviews for UnitedHealthcare

Helpful Favorable Review

starstarstarstarstar

Dan Mackintosh

March 16th, 2020 DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have used this healthcare insurance provider through my Medicare program. They offer many options, resources and opportunities to complete my healthcare requirements. They are honest, efficient and very professional. I am happy with their products and personal care.


Helpful Critical Review

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marcminor

March 28th, 2020 Washington, DC DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstarstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

I have had a horrible experience with UHC. I have been going back on forth with them about paying my 2.5 son's medical bill for his ear tubes. They keep on giving me a denial of service. Horrible and difficult people! Avoid them if you can.


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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