Cigna was founded in 1982 when its two parent insurance companies merged, and it is currently led by CEO David Cordani. The majority of the health plans currently offered by Cigna are through employers and other types of group insurance (e.g. governmental and non-governmental organizations, unions and associations), but Cigna is expanding its non-group (sometimes referred to as ‘individual’) coverage for those who do not have access to an employer-based policy or who are not satisfied with the options currently available to them through their employment.
The company is currently based in suburban Bloomfield, Connecticut and Philadelphia, Pennsylvania.
Cigna Services Offered
• Medical Insurance
• Dental Insurance
• Disability Insurance
• Life Insurance
• Accident Insurance
• 15.2 million active medical members
• 15 million covered by Dental
• Medicare Advantage plans in 17 states and D.C.
• Medicare prescription drug plans in all 50 states
Cigna Health Provides and Facility Networks
• 108,700 behavioral health care professionals, 13,900 facilities & clinics
• 84,000 vision health care providers in more than 26,200 locations
• 142,700 Dental PPO professionals & 19,800 Dental HMO professionals
• 170 Collaborative Accountable Care arrangements w/ large primary care groups in 30 states
• 390 hospitals in the Hospital Quality Incentive Program
• More than 68,000 contracted pharmacies (higher after Express Scripts acquisition)
Coverage by State
• Full Medical Plans – Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Missouri, North Carolina, South Carolina, Tennessee, Texas
• Medical Plans Sold on the ACA (Obamacare) Marketplace – Arizona, Colorado, Georgia, Maryland, Missouri, Tennessee, Texas
• Dental Available in All 50 States, plus Washington D.C.
Plans and Prices
Cigna insurance is one of the largest and most progressive health insurance companies in the United States. Due to its size and nationwide presence, Cigna’s carrier network offers to any prospective healthcare consumer a huge variety of policies and a wide range of both pricing and coverage types.
If you are shopping for a Cigna health insurance plan, you are likely to find a specialized individual or family policy at an affordable rate relative to the market. And in order to do enroll for Cigna policies, it is most efficient to connect with a licensed agent who can help you access all of the best available coverage options, free of charge.
Estimated Premium Rates
35 Years of Age: $290 – $330 monthly National Average is $300/mo
45 Years of Age: $340 – $390 monthly National Average is $350/mo
55 Years of Age: $530 – $600 monthly National Average is $550/mo
In addition to expertise with Cigna health benefits, a professional agent’s free services will give you full access to the most current & comprehensive rates. Health insurance rates can be elusive given the competitive structure of the private carrier market, so an agent is often vital in ensuring that you have locked in the best pricing for the optimal coverage of your choosing. Filling out the brief questionnaire will help you reach an active agent right away.
Cigna Benefits Levels
Many Cigna policies offer multiple levels of coverage: Bronze, Silver and Gold
Bronze Level Plan – Active, generally healthy and only planning on visiting the doctor once or twice per year for a check up. Bronze Level plans have a higher deductible but lower monthly premium payments.
Silver Level Plan – If you go the doctor closer to 3-5 times per year, Silver Level plans offer a lower deductible in exchange for a slightly higher monthly premium payment.
Gold Level Plan – For those who may expect to visit the doctor or need medical attention more often than 5 times throughout the year. These plans protect you from the out-of-pocket payments associated with high frequency visits by giving you a low deductible (if any deductible at all) since you will instead pay a moderately higher monthly premium payment.
CIGNA HEALTH INSURANCE
Top Ten Reviews: 8.13/10
ADVANTAGES / Cigna provides comprehensive healthcare plans and services with some of the most competitive consumer value for these states: AZ, CA, CO, CT, DE, FL, GA, IL, IN, KS, KY, MD, MO, NC, NE, NJ, OH, PA, SC, TN, TX, VA. In addition, Cigna offers dental coverage in all 50 states.
DISADVANTAGES / Cigna only offers full medical plans in: AZ, CA, CO, CT, FL, GA, MD, MO, NC, SC, TN, TX.
CONSUMER TAKEAWAYS / Cigna is the premium consumer choice for health insurance policies in the 12 states where it offers full medical benefits. The company has also displayed strong nationwide growth with member & provider services in over 30 states while expanding its coverage & pricing for those who are not satisfied with employer-based plans. Cigna’s sophisticated website platform is user-friendly and offers information so that you can readily find a doctor in your area or see what prescription medications your plan covers. Cigna lacks short-term coverage policies, but that is likely to change as the mandate is being lifted while legislation is rolled out in 2019 under ACHA (Trumpcare).