Cigna Health, medical and dental insurance review and prices

Getting health insurance is one of the most controversial issues among Americans. While the government is trying to expand free service, private companies are also receiving a lot of legislative support.

One of the largest health insurers in the country is Cigna, which provides a wide range of medical and dental coverage. Here we tell you about the services offered by Cigna and the opinions of its customers.

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What coverage and services does Cigna offer?

As a health insurance provider, Cigna offers coverage for individuals and entire families on a private basis. This company also has dental insurance, vision insurance, Medicare-related plans and other supplemental policies for individuals or groups.

If you are an employer, you can contract products such as:

• Drug programs.
• Dental and vision plans.
• Health and wellness programs.
• Savings and spending accounts (HSA and FSA).
• Group life, disability, dismemberment and accidental death insurance.
• Group health insurance: local custom plans, conventional indemnity plans, high deductible health plans, Open Access, HMO, EMO and PPO.

It is important to know that Cigna offers Medicare Advantage plans in 26 states and its supplemental programs are available in the rest of the country (including DC) except Massachusetts and New York.

Dental plans can be purchased in any state and often include vision coverage.

Cigna Individual Health Insurance

You can access this insurance through the state or federal health insurance marketplace during your state's open enrollment period or if you qualify for an SPE (Special Enrollment Period).

As a consumer, you can purchase individual policies if you do not have access to coverage through your employer, Medicare/Medicaid or the government. Depending on where you live, an EPO or HMO plan is available.

This individual coverage is divided into 4 tiers that vary in price, deductibles and joint benefits. Within these categories, the options change depending on the state where you live. We will take as an example what Cigna offers in North Carolina for a person between the ages of 30 and 50:

• Bronze: $368
• Expanded Bronze: $384
• Silver: $493
• Gold: $479

Cigna Dental Insurance

When it comes to Cigna's dental coverage plans, you can get them in conjunction with health insurance or independently. Dental policies are available in 3 levels and vary in deductibles and monthly costs. Here is a comparison chart:

None of the plans listed have a copayment for preventive care.

Medicare Advantage and Medicare Supplement (Medigap)

If you are in this federal program, Medicare Advantage plans have monthly premiums, deductibles and benefits that vary depending on which plan you choose and where you live.

Costs also depend on the policy and whether you use affiliated providers. They also combine Part A and Part B benefits, and most include dental, vision and prescription insurance.

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Also, Medical Supplement or Medigap plans cover costs after Medicare pays for your health services. Of the 10 available alternatives, Cigna only offers you the A, F, G and N, but the last 3 are the most contracted by those who belong to Medicare.

We remind you that you can only purchase a Medigap F plan and a high-deductible F plan if you signed up for Medicare before January 1, 2020. Also, members of Cigna Medicare Supplement plans may qualify for a family premium discount.

When multiple people in a household are enrolled in a single Medicare Supplement policy, they are eligible for a discounted monthly rate.

In addition, Cigna offers rewards with rebates on health and wellness programs and a 24/7 hotline to speak with a registered nurse.

What do customers think of Cigna?

Thousands of reviews and opinions of the health insurance and dental coverage offered by Cigna in the United States can be found on the Internet.

In general, the impressions of the company's customers are not usually good, although it is also true that those who make the most noise are those who have not had a good experience.

Thus, we can find that in TrustPilot the score is only 1.2 out of 5, with more than 400 opinions, most of them with complaints about their customer service. In ConsumerAffairs we can find more than 1,000 reviews, most of them complaining about the same thing.

If you wish, in the comments section at the bottom of this page you can leave us your opinion and impressions about the service offered by Cigna and the coverage of their medical and dental insurance.

Some facts about Cigna

About Cigna we can say that it is a conglomerate of global reach dedicated to offer services related to wellness and health.

Its creation is the result of the merger between INA Corporation and Connecticut General Corporation in 1982. These companies, with more than 150 years of history, stand out in the U.S. market.

Today, Cigna has 180 million customers and relationships in more than 30 nations. Headquartered in Bloomfield (CT), it has more than 70,000 employees. It also has several branch offices:

• Cigna Health and Life Insurance
• Connecticut General Life Insurance
• Life Insurance Company of North America
• Cigna Life Insurance Company of New York

Perhaps less well known than other leading companies in the industry, Cigna has an A rating from AM Best and an A+ rating from the BBB, which gives you confidence. Although their accreditation is under evaluation, you can purchase their health insurance and dental coverage in the following states:

• Arizona
• Colorado
• Florida
• Georgia
• Illinois
• Kansas
• Mississippi
• Missouri
• North Carolina
• Pennsylvania
• Tennessee
• Utah
• Virginia

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