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
39 Years
UnitedHealthcare
47 Years
Ratings
Cigna
UnitedHealthcare
Reviews
Cigna
Reviews
UnitedHealthcare
Reviews for Cigna
Helpful Favorable Review
Review Source
Anne Sainsbury Salt Lake City, UT
I had cigna coverage for a few years and had a fairly good experience. One of the difficulties I ran into was having claims mixed up every so often. My saving grace was the customer service. I called many times to make sure that claims were handled appropriately and we were always able to identify the right solution for the coverage that was seemed appropriate.
1 month ago
Helpful Critical Review
Yasamin Khorramzadeh San Francisco, CA
I have filled for short term disability. It's been a disaster they way they are collecting evidence. They have asked my drs for FAX number which they don't have access (it is 2021! ) I have 12 weeks of short term disability. I am at the week 8 right now and not have received a penny or any progress report for claim manager. I wish I have not wasted my money paying for this insurance in the first place.
3 days ago
Reviews for UnitedHealthcare
Helpful Favorable Review
Review Source
Leonard Leo Potomac, MD
Formerly MDIPA, UH has zero copay for pediatric visits. Unfortunately, the list of tiered drugs has increased the copay amount, and some common drugs are no longer under coverage Choosing your primary care physician is a plus as is common with other health plans.
2 months ago
Helpful Critical Review
Alycia O'Connell Happy Valley, OR
Horrible experience. They told me (in writing) a doctor was in network, I went and it turned out they gave me false information. They said I could apply for a review and gave a reference # making it sound like they would fix it, I have appealed it 3 times formally and sent several emails, get a different person every time. They are HORRIBLE!! They will not even fix their own mistakes. Our family will be taking whatever other options are available next year and letting HR know our experience.
1 month 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.
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