Cigna vs UnitedHealthcare

Alice Stevens
Alice Stevens | 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 verified_user
#3 Cigna
7.6 Overall Score
2.8
star star star star_border star_border
(236)
UnitedHealthcare logo
#8 UnitedHealthcare
5.9 Overall Score
3.3
star star star star_half star_border
(420)

Overview

Cigna

Time in Business

39 Years

UnitedHealthcare

47 Years

Ratings

Cigna

Overall Score
7.6 of 10
Review Score
2.8
star star star star_border star_border
Value for Money
2.7
star star star_half star_border star_border
Quality of Product or Service
2.7
star star star_half star_border star_border
Company Trustworthiness
2.8
star star star star_border star_border
Likely to Recommend
3.3 of 10

UnitedHealthcare

5.9 of 10
3.3
star star star star_half star_border
3.1
star star star star_border star_border
3.1
star star star star_border star_border
3.1
star star star star_border star_border
5.0 of 10

Reviews

Cigna

Number of Reviews
236
Review Breakdown
2.8
star star star star_border star_border
5 star
24%
4 star
19%
3 star
9%
2 star
6%
1 star
42%

UnitedHealthcare

420
3.3
star star star star_half star_border
5 star
35%
4 star
22%
3 star
6%
2 star
6%
1 star
30%

Reviews for Cigna

Helpful Favorable Review

star star star star star_border

M Wilson Houston, TX

Health coverage through them for several years. Competitive rates with better than average customer care. Only complaint is they make you go through their online pharmacy for prescriptions which can be a negative sometimes

1 month ago

Helpful Critical Review

star star_border star_border star_border star_border

Joe Lapham Cookeville, TN

Cigna is terrible. They do not pay claims. they do not return phone calls. I was even working with a supervisor to get a refund for the bills I paid to keep my credit in good shape. Your jumping threw hoops like a circus dog. You've been warned. Do not do business with them.

2 days ago

Reviews for UnitedHealthcare

Helpful Favorable Review

star star star star star_border

David Stickles West Jordan, UT

I am new to untied health care and have already needed to use their services a few times. They have been pretty standard in terms of getting a hold of for questions so no issues there. Accepted plenty of places and lots of plan options, they have been a nice plan through work.

1 month ago

Helpful Critical Review

star star_border star_border star_border star_border

Jim Bang Denver, CO

Horrible company. Tried to get a hearing aid through them and they refused to help me. Living proof of a company that understands- the harder they make it for you to get your benefits, the more money they make.

3 weeks ago

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

Cigna Logo
Cigna

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