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
#4 Cigna
7.7 Overall Score
2.8
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(196)
UnitedHealthcare logo verified_user
#6 UnitedHealthcare
7.4 Overall Score
3.3
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(370)

Overview

Cigna

UnitedHealthcare

Time In Business
Time In Business
38 Years
46 Years

Ratings

Cigna

UnitedHealthcare

Overall Score
Overall Score
7.7 of 10
7.4 of 10
Review Score
Review Score
2.8
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3.3
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Value for Money
Value for Money
2.6
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3.0
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Quality of Product or Service
Quality of Product or Service
2.6
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3.0
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Customer Service
Customer Service
2.8
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3.0
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Company Trustworthiness
Company Trustworthiness
2.7
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3.0
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Likely to Recommend
Likely to Recommend
3.2 of 10
4.9 of 10

Reviews

Cigna

UnitedHealthcare

Number of Reviews
Number of Reviews
196
370
Review Breakdown
Review Breakdown
2.8
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5 star
22%
4 star
20%
3 star
11%
2 star
6%
1 star
40%
3.3
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5 star
34%
4 star
23%
3 star
6%
2 star
7%
1 star
30%

Reviews for Cigna

Helpful Favorable Review

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Rebecca Evans

November 30th, 2020 American Fork, UT DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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This company has covered a lot of expenses willingly for us for which we are grateful. Lately they have been giving more push back on needed procedures. They do come through on most, but it takes time and can be quite distressing wondering if they will be able to cover the costs.


Helpful Critical Review

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Kim Peter

November 30th, 2020 Houston, TX DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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CIGNA Medicare Advantage plan is the worst experience. Too many promises but not a lot of coverage. Worst dental plan through Denta Quest, can not find a dentist in their network and Cigna did not help either. DON'T SIGN UP FOR IT


Reviews for UnitedHealthcare

Helpful Favorable Review

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LBishop

November 30th, 2020 Logan, UT DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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I wish they had better coverage for mental health help. I have been trying to find a counselor for teens. There isn’t very many counselors that are covered to get them in to see when it becomes a crisis. More coverage of counselors would be great!


Helpful Critical Review

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War Monger

November 30th, 2020 Fort Wayne, IN DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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The insurance is affordable and the deductible is low, but they iften slow pay the doctors. They also change my prescriptions that my doctor gives out because apparently they know better. Also forced to use cvs pharmacy to get 90 day supply because they have a "deal" with them. Reeks of collusion


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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