Aetna vs Cigna
Cigna and Aetna are reputable health insurance companies that offer Medicare. To view information specific to your area, you'll need to visit each company's site directly. Doing so will allow you to do a comparison based on your needs. We'll review some general differences between the two companies' Medicare options below.
Overview
Aetna
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Cigna
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Ratings
Aetna
Cigna
Reviews
Aetna
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Cigna
Reviews for Aetna
Helpful Favorable Review
Joe Leahy
January 4th, 2022
Marshfield, MA
DETAILS
Review Source
Aetna is my Medicare supplement. I have had no issues with their handling of any medical visits or procedures. All claims seem to be handled in a timely manner and I receive a monthly activity statement of my benefits
Helpful Critical Review
Ben
October 31st, 2021
Martinsburg, WV
DETAILS
Having worked for over 50 years, I had always had some type of insurance. I recently had an Aetna advantage plan with a small monthly premium. This was the worst insurance policy I have ever had. With the monthly premium, office co pays, and other expenses, I was paying more out of pocket than the policy covered. Also none of my expenses were credited towards the deductible or out of pocket maximum, which could have caused me to pay forever never reaching the maximums.
Reviews for Cigna
Helpful Favorable Review
Brett Schiftner
December 30th, 2021
Weatherford, TX
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Review Source
I have my medicare supplement with Cigna and haven't had any problems. I switched from another company when my rates kept going up and they were much more reasonable. I've never had a problem with a claim.
Helpful Critical Review
Ralph McCarty
January 21st, 2022
Wiggins, MS
DETAILS
You cant get a rep. on the phone who is in the USA; and no one can resolve any problems. They don't do what they say they will and their prescription coverage is pitiful. They are most definitely not worthy of being honest and helpful; and don't offer good coverage for the price we pay or is deducted from our SS monthly income. A real ripoff.
The Final Word
Medicare Advantage
While specific plan options and network structures may vary depending on your location, Cigna's plans offer team-based support. This support feature means that case managers and pharmacists work with doctors and specialists to ensure that you receive the best health plan.
Cigna offers Advantage plans with in-network coverage (HMO) and a chronic special needs plan (C-SNP) designed for members with chronic illness.
Aetna's Medicare Advantage plans include perks like SilverSneakers® fitness membership, prescription home delivery, a 24-hour nurse hotline, and a Resources for Living® program that helps you find services in your community. These additional benefits make Aetna a nice choice for Medicare Advantage plans.
Aetna's has more variety than Cigna. Aetna's offerings include HMO plans, PPO plans with in- and out-of-network coverage, and Dual Special Needs Plans (D-SNP) for individuals qualifying for Medicaid and Medicare. Aetna also offers an HMO-POS plan that offers some out-of-network coverage for some services.
Prescription Drug Plans
Cigna offers limited general information about its plans. For specific information, you'll need to input your zip code to learn more about offerings in your area. However, Cigna's Prescription Drug Plans include participation in Cigna-HealthSpring Rx Healthy Rewards®. This program offers discounts on fitness, vision, hearing, weight, nutrition, alternative medicine, and more.
Aetna is more forthcoming with information about its plans. It offers two options with different levels of cost-sharing. Both plans offer home delivery for your prescriptions.
To determine which plan is best for you, you'll need to see what Cigna offers in your area and compare each plan's drug formulary, cost-sharing, and benefits to determine which plan is best for you. While Cigna's Prescription Drug Plans have nice benefits, you need to ensure that you're getting the coverage you need.
Medicare Supplement Insurance
To learn more about Cigna's Medigap plans, you need to call them. This process isn't as convenient as being able to view options online.
In contrast, Aetna makes it easy to view the Medigap Plans it offers in your area after inputting your zip code online. While this process isn't as helpful for general information and comparisons, it is more convenient than making a phone call.
It's hard to say which insurer is best for Medicare because of the limited general information available. The best way to determine which company is best for you is to compare your options from each plan. As you make the comparison, keep in mind that Cigna has received higher star ratings from customers on Best Company.
