Cigna vs 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. United Healthcare 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 plans across companies before making a final decision.

Cigna logo verified_user
#4 Cigna
6.8 Overall Score
2.6
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(157)
UnitedHealthcare logo verified_user
#3 UnitedHealthcare
7.2 Overall Score
3.1
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(307)

Overview

Cigna

UnitedHealthcare

States Serviced
States Serviced
50
Undisclosed
Time In Business
Time In Business
38 Years
46 Years

Ratings

Cigna

UnitedHealthcare

Overall Score
Overall Score
6.8 of 10
7.2 of 10
Review Score
Review Score
2.6
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3.1
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Value for Money
Value for Money
2.4
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3.0
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Quality of Product or Service
Quality of Product or Service
2.5
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3.0
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Customer Service
Customer Service
2.7
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3.0
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Company Trustworthiness
Company Trustworthiness
2.6
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2.9
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Likely to Recommend
Likely to Recommend
1.9 of 10
4.0 of 10

Reviews

Cigna

UnitedHealthcare

Number of Reviews
Number of Reviews
157
307
Review Breakdown
Review Breakdown
2.6
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5 star
18%
4 star
20%
3 star
10%
2 star
7%
1 star
45%
3.1
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5 star
30%
4 star
22%
3 star
6%
2 star
7%
1 star
35%

Reviews for Cigna

Helpful Favorable Review

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Rickey

July 16th, 2020 Lehi, 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
starstarstarstarstar

Cigna customer service is really nice, especially with their extra features. I had a bad experience once with a teledoc appointment and left them feedback internally. They called me back the next day, refunded my appointment, and thanked me for the suggestions on how to improve the service. I've never had an issue with them working with doctors on payments or denying any claims. I've used Cigna for 3 years.


Helpful Critical Review

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Linda Lewis

July 16th, 2020 Woodland Park, CO 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 called to ask if work was going to be covered under 2019 or 2020 benefits, and was told it would be under 2020. After the work was done, they refused to cover it, saying it was under 2019 and my benefit had already been used. I went through ALL of their appeals - which, by the way, are all in-house - and they still refused. If you can't trust the information they give you over the phone, then you can't trust them, period.


Reviews for UnitedHealthcare

Helpful Favorable Review

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Kimberly

July 16th, 2020 Hurlock, MD 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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United Health Care is definitely my choice for health care. All bills are quickly and competently dealt with. In addition, when I have called for more information or to check the status of a medical provider, United Health Care has always had excellent customer service. The representatives are intelligent, extremely polite and very anxious to help. Their attitudes are very positive and cheerful. They are one of the best companies in any area that I have ever had the pleasure to turn to.


Helpful Critical Review

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Anon

July 16th, 2020 La Center, WA 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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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. Many of Cigna’s plans also include participation in its Healthy Rewards® 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 keeping and starting 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.

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 may be beneficial for some people.

While the additional benefits included with each plan are different between the two companies, you should also consider the coverage and costs of health plans offered by each company before enrolling in a health plan.

top choice

UnitedHealthcare
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