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.

Cigna logo verified_user
#3 Cigna
7.9 Overall Score
2.8
starstarstar_halfstar_borderstar_border
(183)
UnitedHealthcare logo verified_user
#5 UnitedHealthcare
7.4 Overall Score
3.2
starstarstarstar_halfstar_border
(349)

Overview

Cigna

UnitedHealthcare

Time In Business
Time In Business
38 Years
46 Years

Ratings

Cigna

UnitedHealthcare

Overall Score
Overall Score
7.9 of 10
7.4 of 10
Review Score
Review Score
2.8
starstarstar_halfstar_borderstar_border
3.2
starstarstarstar_halfstar_border
Value for Money
Value for Money
2.6
starstarstar_halfstar_borderstar_border
3.0
starstarstar_halfstar_borderstar_border
Quality of Product or Service
Quality of Product or Service
2.6
starstarstar_halfstar_borderstar_border
2.9
starstarstar_halfstar_borderstar_border
Customer Service
Customer Service
2.8
starstarstar_halfstar_borderstar_border
3.0
starstarstar_halfstar_borderstar_border
Company Trustworthiness
Company Trustworthiness
2.7
starstarstar_halfstar_borderstar_border
2.9
starstarstar_halfstar_borderstar_border
Likely to Recommend
Likely to Recommend
3.0 of 10
4.7 of 10

Reviews

Cigna

UnitedHealthcare

Number of Reviews
Number of Reviews
183
349
Review Breakdown
Review Breakdown
2.8
starstarstar_halfstar_borderstar_border
5 star
23%
4 star
19%
3 star
11%
2 star
7%
1 star
40%
3.2
starstarstarstar_halfstar_border
5 star
34%
4 star
21%
3 star
6%
2 star
7%
1 star
31%

Reviews for Cigna

Helpful Favorable Review

starstarstarstarstar

Jessica Archuleta

September 25th, 2020 Riverton, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I use Cigna as a second insurance since my husband's is our primary. They have been great to work with . They very easy to work with when it comes to them picking up what is left after my husbands insurance


Helpful Critical Review

starstar_borderstar_borderstar_borderstar_border

John

September 25th, 2020 Delmar, NY DETAILS arrow_drop_down
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Switch over to their COBRA coverage administered via Bswift....horrible! Phone systems with 50 minute holds routine, call backs that never come. Email systems that are send you confirmation system that go to other companies NOT there own. Then policy changes never occur. 60 days and no changes 8 phone call, 2 communications in person, no direct call back. ALL WITH THE THREAT OF COVERAGE CANCELLATION LOOMING WHILE THEY ARE NOT EFFECTIVE. NEVER EVER EVER RECOMMENDING AND ALWAYS WILL SHARE THIS OPINION.


Reviews for UnitedHealthcare

Helpful Favorable Review

starstarstarstar_borderstar_border

Beck khbscrapbook

September 25th, 2020 Los Angeles, CA DETAILS arrow_drop_down
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstar_borderstar_borderstar_border
Company trustworthiness
starstarstar_borderstar_borderstar_border

Good care if you could find a doctor that was on the list to go to.. sometimes they denied charge which I thought were covered. Some of their reasoning didn’t make sense to me. They would wear you down until you just ended up paying the bill to get it to stop.


Helpful Critical Review

starstar_borderstar_borderstar_borderstar_border

Anon

September 25th, 2020 La Center, WA 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
starstarstarstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Denied coverage for residential mental health / substance use disorder in an in network facility. The professionals at the facility were recommending 6 weeks of treatment (the original intent was 4 week). Retroactively United Behavioral Health denied coverage after only 12 days. We were not notified of this denial until several days after the 12 days.


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
Visit Site