Find out if Cigna meets your health insurance needs.
TABLE OF CONTENTS
Cigna offers numerous health insurance plans and generally has high customer satisfaction ratings, but plans may not be available where you live.
Overall rating: 4.2
Founded in 1981, Cigna is a health insurance provider based in Bloomfield, Connecticut. It serves more than 300 counties and jurisdictions across 23 states and provides a range of plans. It offers a 24/7 veterans’ support line and provides free health screenings through the Cigna Health Improvement Tour.
|A.M. Best rating||A|
|Better Business Bureau (BBB) rating||A-|
|National Committee for Quality Assurance (NCQA) accreditation||Yes|
|NCQA rating||4 to 2.5|
|What we like about Cigna health insurance plans:||The drawbacks of Cigna health insurance plans:|
Cigna offers a range of health coverage options to help you create a customized policy that fits your needs:
Cigna offers several health insurance plans, including three bronze plans, four silver plans, and one gold plan. Plans range in price from $357 to $640 per month, although your monthly premium depends on where you live and whether you qualify for a federal subsidy.
All plans are EPO plans, meaning that you are generally required to get care from in-network providers. Regardless of the plan you choose, you get free telehealth visits with dedicated virtual care physicians.
|Plan name||Monthly premium||Annual deductible||Office visits||Annual maximum out-of-pocket cost|
|Cigna Connect 8550 – EPO
||$357||$8,550||Doctor visits: no charge after deductible
Specialist visits: no charge after deductible
|Cigna Connect 5900 – EPO||$373||$5,900||Doctor visits: $60
Specialist visits: 50% after deductible
|Cigna Connect 4750 – EPO
||$428||$4,750||Doctor visits: no charge after deductible
Specialist visits: no charge after deductible
|Cigna Connect 3200 – EPO||$431||$3,200||Doctor visits: $20
Specialist visits: $75
|Cigna Connect 1000 – EPO||$640||$1,000||Doctor visits: $15
Specialist visits: $60
*Based on pricing for a nonsmoking 35-year-old female in Nashville, Tennessee.
Choosing the right health insurance provider requires considering a wide range of factors, not just the cost of available plans. To help you understand how Cigna stacks up against its competitors, we evaluated the company by considering several metrics.
|Financial strength rating:
|Customer satisfaction rating:
Cigna’s financial strength score indicates its ability to pay claims its policyholders file over the long term. It is based on A.M. Best’s financial strength rating. Cigna’s A.M. Best rating of A indicates it has sizable assets and reserves, meaning it can easily settle claims, even if many customers file claims simultaneously.
It’s inevitable that large health insurance providers such as Cigna occasionally field customer complaints. Our customer satisfaction rating is based on three third-party agencies: the BBB, the NCQA, and Consumer Affairs.
Cigna has an A- rating with the BBB. In the last three years, Cigna has closed more than 500 customer complaints. The majority of these complaints were related to denied claims, followed by problems with billing and collections.
The NCQA rates Cigna plans as mid- to high-performing. Most plans are rated between 2.5 and 3.5 for customer satisfaction, prevention, and treatment, indicating customers are reasonably satisfied with the service they receive.
Consumer Affairs rates Cigna at 3.6/5. This rating is based on nearly 300 customer reviews. The majority of these are 4-star reviews, with many customers noting that claims are paid out promptly, and there are numerous provider choices.
Cigna’s value rating is based on how the company’s health insurance policies compare to policies at the same price points from competing companies. It weighs factors such as monthly premiums, annual deductibles, the cost to see a doctor or specialist, how much it costs to get emergency and urgent care, and how well the policy covers senior care. Seeing how Cigna’s value score compares to the competition can help you get the most for your money.
Regardless of how good a health insurance policy is, if its coverage is limited and you’re unable to use it efficiently, then it’s not a good fit for you. Cigna’s coverage score is based on a range of factors, such as how many policy types are available, in how many states the company sells plans, and how large the provider network is.
Tammy Burns is an experienced health insurance advisor. She earned her nursing degree in 1990 from Jacksonville State University, obtained her insurance billing and coding certification in 1995, and holds a health and life insurance license in Alabama, Georgia, Iowa, Mississippi, and Tennessee. Burns is Affordable Care Act (ACA)-certified for health insurance and other ancillary, life, and annuity products. She maintains an active nursing license and practices private-duty nursing.
Burns’ background as a nurse, insurance biller and coder, and insurance consultant includes infectious disease, oncology, gynecology, phlebotomy, post operative, family medicine, geriatrics, home health, hospice, human resources, management, billing, coding, claims, fixed annuities, group and individual health and life products, and Medicare. She’s always been driven by a desire to help people, spending more than 25 years as a practicing nurse in hospitals, private doctors’ offices, home health, and hospice. As a nurse, Burns supported patients filing insurance claims with Medicare, Medicaid, and private insurance companies as well as responding to billing questions from confused patients.
Seeing firsthand how unsuspecting patients are frequently confused by an overly complex system they don’t understand led Burns to become an insurance agent and health care consultant, now helping people understand the medical system. Since becoming an insurance agent in 2013, she has worked with some of the largest and most reputable insurance carriers and agencies in the nation, and she has built a large and loyal clientele by way of her commitment to transparency and personalized service.