Cigna vs UnitedHealthcare

Kaitlyn Short
Kaitlyn Short | 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
#7 Cigna
6.3 Overall Score
2.7
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(299)
UnitedHealthcare logo
#5 UnitedHealthcare
7.1 Overall Score
3.2
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(500)

Overview

Cigna

Health Plan Options

N/A

Customer Service Options

N/A

Perks and Support Programs

N/A

Time in Business

Undisclosed

UnitedHealthcare

N/A

N/A

N/A

Undisclosed

Ratings

Cigna

Overall Score
6.3 of 10
Review Score
2.7
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Value for Money
2.6
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Quality of Product or Service
2.6
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Company Trustworthiness
2.7
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Likely to Recommend
3.2 of 10

UnitedHealthcare

7.1 of 10
3.2
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3.1
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3.1
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3.0
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4.8 of 10

Reviews

Cigna

Number of Reviews
299
Review Breakdown
2.7
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5 star
23%
4 star
17%
3 star
9%
2 star
6%
1 star
45%

UnitedHealthcare

500
3.2
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5 star
35%
4 star
19%
3 star
6%
2 star
6%
1 star
34%

Reviews for Cigna

Helpful Favorable Review

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Velma Merritt

February 11th, 2022

DETAILS

Cigna was excellent health insurance. HOWEVER, they were to refund me one month's premium. It was to arrive in 15 days. It has now been 30 days and no refund. I find businesses like Cigna want their payment on or before the due date but when they owe the customer money, time becomes irrelevant. Because of this I would definitely think twice before I would have their coverage again. I stayed on the phone with them three hours, my insurance agent has called them numerous times. Still no refund.

Helpful Critical Review

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Carrie McCain

August 1st, 2022

DETAILS

This company is absolutely awful. I have been dealing with severe shoulder pain for months, and they kept denying my doctor's request for an MRI, saying that it wasn't medically necessary. My company finally got new insurance, and I didn't even need prior authorization for the test this time. The MRI showed two torn tendons in my shoulder and I need surgery. This could have been solved months ago and saved me a lot of pain but they obviously only care about saving themselves money by making unqualified medical decisions. You pay in, but they don't pay out. I would sue them if I could.

Reviews for UnitedHealthcare

Helpful Favorable Review

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Christopher Lee

May 12th, 2022

DETAILS

I have UnitedHealthcare's select managed care plan through my employer and I've honestly found it below . Their coverage is great - almost no out of pocket cost - but the providers they do have in network are subpar. They also do not have an updated list of providers in their network which makes finding one very difficult. When I called to see if they had a more updated list, the customer service rep said they would email me a list of providers for my area and never did. It's interactions with companies like these that drive me a little crazy.

Helpful Critical Review

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MLC

July 22nd, 2022

DETAILS

United health care the short-term disability, very hard to explain how horrible this is. they make your doctor send medical records multiple times, they will not process the information and claim they do not have the records, the only objective is not to pay or delay payment. if you call, you will get the runaround, and an uninformed person will call you back and make up any senseless excuse for not processing your claim. government should get involved in this type of corporate behavior

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

UnitedHealthcare Logo
UnitedHealthcare

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