Aetna vs Cigna

Alice Stevens
Alice Stevens | Senior Editor

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.

Aetna logo verified_user
#5 Aetna
6.4 Overall Score
2.6
star star star_half star_border star_border
(17)
Cigna logo verified_user
#3 Cigna
6.8 Overall Score
3.5
star star star star_half star_border
(12)

Overview

Aetna

Time in Business

168 Years

Cigna

229 Years

Ratings

Aetna

Overall Score
6.4 of 10
Review Score
2.6
star star star_half star_border star_border
Value for Money
2.4
star star star_half star_border star_border
Quality of Product or Service
2.4
star star star_half star_border star_border
Company Trustworthiness
2.4
star star star_half star_border star_border
Likely to Recommend
3.1 of 10

Cigna

6.8 of 10
3.5
star star star star_half star_border
3.3
star star star star_half star_border
3.3
star star star star_half star_border
3.1
star star star star_half star_border
6.9 of 10

Reviews

Aetna

Number of Reviews
17
Review Breakdown
2.6
star star star_half star_border star_border
5 star
24%
4 star
12%
3 star
12%
2 star
0%
1 star
53%

Cigna

12
3.5
star star star star_half star_border
5 star
33%
4 star
33%
3 star
8%
2 star
0%
1 star
25%

Reviews for Aetna

Helpful Favorable Review

star star star star star

pepsi173 Monroeville, PA

I have had Aetna Insurance as the secondary insurance to my Medicare since retiring 10 years ago and have always liked the way they deal with claims and the cost that I have to pay and especially their drug prescriptions payments. I know that I will keep them as they have good to me even when I have a customer service question.

9 months ago

Helpful Critical Review

star star_border star_border star_border star_border

Boyer Wheaton, IL

Aetna has been a nightmare to work with!! For the past 7 months we have been on countless phone calls, received the run- around, assured everything is being taken care of just to receive notifications to contact them again. It has been nothing but frustrating!! If we ever have the opportunity, we will drop this coverage in a heartbeat. Anthem Bluecross/Blueshield puts this company to shame. Extremely disappointed and tired of dealing with them!

1 year ago

Reviews for Cigna

Helpful Favorable Review

star star star star star_border

Nena McFarland Aurora, CO

I use Cigna's Medicare drug plan and chose it because of a very expensive drug that I was using for my medical condition. When time to pay for this drug, Cigna declined as it was not considered a drug for that specific condition. Although that was upsetting, Cigna has paid well on all my other prescriptions.

9 months ago

Helpful Critical Review

star star_border star_border star_border star_border

bill W Quakertown, PA

MYPolicyhq - Cigna is probably the worst Medicare ins company out there. They take forever to pay Part B claims. And when they do finally pay (2 months Later) he claims still do not show up on the website. A user has no way of checking on the status of claims. CIGNA you need to clean up your service.....

2 years ago

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. 

Top Choice

Cigna Logo
Cigna

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