Providing private healthcare insurance to its clients, Cigna Insurance is a global supplier of health insurance.
Arizona, Colorado, Florida, Illinois, Kansas, Missouri, North Carolina, Tennessee, Utah, and Virginia are the ten US states where it is currently active as of 2022.
The earliest form of health insurance was provided by Cigna. The Insurance Company of North America (INA) and the Connecticut General Life Insurance Company joined in 1926 to create the Cigna Health and Life Insurance Company.
Consequently, it follows that Cigna has been in the insurance industry for at least 200 years.
In today’s world, the internet is flooded with Cigna Health Insurance reviews. There’s a good reason why the business is frequently suggested. A (Excellent) is AM Best’s grade for Cigna Health Insurance. According to the BBB, Cigna has an A+ rating (Better Business Bureau).
Cigna’s reputation precedes them, despite the fact that they have sought accreditation and it is being considered. Without a doubt, the business that began in 1792 in Philadelphia’s Independence Hall when it was founded by a few notable people has grown into a multinational conglomerate with more than 180 million clients in more than 30 countries.
Why You Should Choose Cigna Health Insurance Plan
Cigna is arguably one of the best dental insurance companies in the world. You have access to the knowledge and care you require when you need it because of Cigna’s high-quality plan options, individualized health care support, and affordable prices.
Affordability
Cigna’s plans and initiatives make it simple for you to obtain affordable, high-quality healthcare with $0 virtual care (telehealth), $0 preventative care visits, and $3 or less for generic prescription medicines.
24/7/365 Care and Service
When you need them, get in touch with the virtual care nurses and doctors or customer service. Have a serious health issue? Get devoted assistance with the My Personal Champion initiative to make navigating the healthcare system simpler.
Personalized Digital Tools
You may order and refill prescriptions, pay claims, and more with the help of the myCigna website and mobile app4. Additionally, you receive data-driven personalized notifications based on your particular health care needs for cost savings, specialized care, and health coaching.
No Referrals Needed
Consult specialists directly. Even your primary care physician (PCP) can assist you in locating a provider who is in-network and suitable for the care you require.
Take Control Rewards
Simple tasks like making an appointment for a preventive checkup or obtaining a flu shot will earn you points that you can exchange for up to $275 in incentives.
Plans for Specific Conditions
Cigna has specific plans that provide additional $0 out-of-pocket costs for particular tests, supplies, and equipment for medical illnesses like diabetes, chronic obstructive pulmonary disease (COPD), and asthma.
Check out other Health Insurance offers available
Cigna Health Insurance for Small Business- How it Works
For all different sorts of enterprises, Cigna provides a variety of plans and networks. To tailor networks, plans, and benefits solutions to your company’s needs and employees, you can work directly with us or your broker.
LocalPlus
Without compromising the level of comfort and convenience your employees desire and expect, Cigna LocalPlus offers a flexible, cost-effective alternative to help you manage health care expenses.
SureFit
Our new strategy for providing health benefits, Cigna SureFit, is created to address individual employee’s (and employer’s) needs in the neighborhoods where they reside. Employers who use our Open Access Plus package may get immediate savings of 10% or more. Only some employers in particular regions have access to Cigna SureFit.
Open Access Plus
Open Access Plus health plans give employees access to a broad national network of high-quality providers for enterprises outside of our LocalPlus service zones.
Cigna Health Insurance Reviews- Pros and Cons
Pros
- A business with a stellar reputation is Cigna Insurance. Cigna has been a health insurance provider for many years and has received excellent reviews from several financial institutions.
It has a solid financial foundation and provides excellent service. For instance, AM Best, Standard & Poor’s, Moody’s, and others have all given it straight A ratings.
- An award-winning customer care department for the business responds to users’ issues around-the-clock. Cigna has excellent relationships and a thorough grasp of its users (patients), physicians, and families or member groups.
- Access to the list of network service providers and locations is made available by the company. For all of their members who have signed up with them, they also provide free telehealth services. The majority of insurance providers, including Cigna Health Insurance, provide additional programs and services without charging a fee.
- The mobile app and website for myCigna are both highly helpful and user-friendly. The ability to view their coverage information, deductibles and coinsurance, claims, appointment reminders, and more is made simple for members.
The plan network doctor search, claims status, and insurance ID cards are all available to policyholders online.
- A home delivery pharmacy, a dedicated helpline for health information requests, and incentive programs are just a few of the features available to members.
Cons
- Not all states in the US have access to Cigna health insurance. Cigna only conducts business in 10 US states. Arizona, Colorado, Florida, Illinois, Kansas, Missouri, North Carolina, Tennessee, Utah, and Virginia are those states.
- Your income will determine the extent of your coverage. Examples of group insurance with coverage restrictions include those from Cigna. You may purchase Cigna Insurance that is equal to or five times your annual pay, depending on your job. The most coverage you can often buy is around $500,000.
- You can’t couple some types of additional health insurance plans with the primary health insurance plan.
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Cigna Health Insurance Phone Number
Individual Medical and Dental Insurance
- Consumer Assistance: Call the number on your Cigna identification card whenever you want, 365 days a year.
- 1 (866) 494-2111 for lost medical ID cards, every day of the year, 365 days a year
- Questions About Dental Plans or Lost Dental ID Cards: (800) 244-6224, every day of the year, 365 days a year
- (800) 835-4387 for Cigna Home Delivery Pharmacy, every day of the year, 365 days a year
- Payments/Billing 1 (877) 484-5967, Eastern Time, 8:00 a.m. to 8:00 p.m., Monday through Friday
- Service for TTY/TDD (For hard-of-hearing or deaf callers): Call 711 and adhere to the directions, every day of the year, 365 days a year
Supplemental Insurance
- Request a free quote: (855) 373-8008, Eastern Time, 8:00 am to 10:00 pm, Monday through Friday.
- Customer service+Current customers): 1 (866) 459-4272, Eastern Time, Monday through Friday, 9:00 am to 6:00 pm
- Service for TTY/TDD (For hard-of-hearing or deaf callers): Call 711 and adhere to the directions, every day of the year, 365 days a year.
Behavioral Health
- Informational number: (800) 433-5768, Eastern Time, 9:30 am to 9:00 pm, Monday through Friday.
- Service for TTY/TDD (For hard-of-hearing or deaf callers): Call 711 and adhere to the directions, every day of the year, 365 days a year
Accident, Life and Disability
- 1 (888) 842-4462 Family Medical Leave, Disability, Term Life, and Accident
- Universal Life Group, 1-800-828-3485
- (800) 261-6242 Cigna Access, every day of the year, 365 days a year
- Payment/Billing 1 (800) 243-7445 (Option 2)
- Service for TTY/TDD (For hard-of-hearing or deaf callers): Call 711 and adhere to the directions, every day of the year, 365 days a year
Cigna Voluntary Limited-Benefit Plan
- Accidental Injury, Critical Illness, or Hospital Care Claims (7:00 am–7:00 pm Central Standard Time, Monday–Friday) 1 (800) 754-3207
- Service for TTY/TDD (For hard-of-hearing or deaf callers): Call 711 and adhere to the directions, every day of the year, 365 days a year
Cigna Health Insurance Plans
You can select the degree of coverage that is best for you from among three tiers of the Cigna Global Medical plan.
Platinum
The most extensive level is Platinum, which provides members with limitless coverage. Due to its extensive benefit structure and coverage for maternity and mental health, the plan is referred to as the “Cadillac” insurance plan.
Gold
With $2 million in coverage for each insured individual, the Gold level is the second most comprehensive health insurance plan available. Private room hospitalization, maternity care, and mental health are all covered under the plan, which also has some benefit limitations to keep costs down.
Silver
For individuals who are worried about their budget but still want foreign coverage, the Silver level is a capped benefit plan that offers a reasonable option. This plan is ideally suited for tourists who do not require pregnancy coverage and are visiting nations with reasonably priced medical care.
How Much Does Cigna Health Insurance Cost Per Month?
A Cigna Global health insurance plan can be purchased for as little as $100 per month. A normal plan will cost roughly $350 per month, although actual costs could vary greatly based on your age, citizenship, and place of residence. The price is often in the $4,000–$6,000 per year range for clients.
You can modify the policy structure to maintain the Cigna Global plan’s cheap cost, which is a fantastic benefit. Additionally, you are allowed to include features and advantages in return for an additional fee.
Cigna Health Insurance for Students
Due to its pricing and range of coverage options, Cigna is the best choice for health insurance as a college student. In addition to reasonable premiums, Cigna also provides ACA financial aid.
Pros
- Choices for comprehensive protection
- Some students might be eligible for premium discounts.
- Cost-effective virtual care and free preventative services
Cons
- If you are a dependent, subsidies might not be accessible to you.
- You might need to look for a different doctor.
Pre-existing diseases are always covered by Cigna plans, whether they are purchased through the company’s website or Healthcare.gov, and if you are a college student, you can qualify for subsidies that make insurance considerably cheaper.
You most likely don’t make a lot of money as a student. If that’s the case, you might be eligible for premium subsidies that lower the cost of your plan.
The tiers of Cigna’s plans range from bronze to platinum coverage. While platinum policies have low deductibles but higher monthly premiums, bronze plans are the most economical. All of Cigna’s plans feature free preventative care, so you won’t have to pay extra for annual physicals, flu shots, or health exams.
Additionally, Cigna provides inexpensive virtual care that enables you to speak with a licensed physician over the phone or video chat. Our top pick overall is Cigna because of has comprehensive coverage, which provides more benefits for less money.
While some students might be eligible for Cigna subsidies, not all college students will. Your household’s income will determine what you qualify for in subsidies. Another thing to note is that you might not qualify for a subsidy and will have to pay the full monthly premium if you’re a dependent and your parents have an excessive income.
You can select between PPO plans, which provide you more flexibility, and HMO plans, which require you to adhere to the network when you purchase insurance via Cigna. You might need to switch healthcare providers depending on the plan you select.
Also, you will need a new physician or the insurance won’t pay for your office visits if your existing doctor isn’t covered by the plan’s HMO, for instance.
While some students might be eligible for Cigna subsidies, not all college students will. Your household’s income will determine what you qualify for in subsidies. As the insurer, you might not qualify for a subsidy and will have to pay the full monthly premium if you’re a dependent and your parents have an excessive income.
Additionally, you can select between PPO plans, which provide you more flexibility, and HMO plans, which require you to adhere to the network when you purchase insurance via Cigna. You might need to switch healthcare providers depending on the plan you select.
Also, you will need a new physician or the insurance won’t pay for your office visits if your existing doctor isn’t covered by the plan’s HMO, for instance.
Buying insurance from Cigna is the greatest option for coverage if you have pre-existing medical conditions or frequently need medical attention because you can be eligible for considerable discounts and receive free preventative and inexpensive virtual treatment. Additionally, AM Best gave it an A (Excellent) grade, indicating its positive reputation.
Conclusion
Any of us could experience an unexpected event at any time. To maintain the proper operation of the firm, people should be sure to buy health insurance for themselves.
The Cigna Health insurance review has shed additional light on how to obtain insurance, its benefits and drawbacks, as well as the different kinds of health insurance it offers.
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FAQs on Cigna Health Insurance for Small Business
The best health insurance Cigna plan is Platinum, which provides users with limitless coverage.
Individual coverage from Cigna is now available in four tiers with varying costs, deductibles, and coinsurance benefits- bronze, expanded bronze, silver and gold.
Cigna Health and Life Insurance Company (CHLIC)
Cigna HealthCare of Arizona, Inc.,
Connecticut General Life Insurance Company (CGLIC)
Cigna HealthCare of Georgia, Inc.
Cigna HealthCare of Illinois, Inc.
CHLIC
Cigna HealthCare of North Carolina, Inc.
Life Insurance Company of North America
Cigna Life Insurance Company of New York (New York, NY)
References
- https://www.cigna.com
- https://kiiky.com
- https://www.internationalstudentinsurance.com
- https://www.internationalinsurance.com
- https://www.investopedia.com
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