Cigna Health Insurance Review


Rating: 9.6 / 10 (Excellent)
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Cigna is a health and wellness company which specializes in fitness programs, individual private medical insurance and global health benefits. This company also offers dental services, voluntary benefits, and accident insurance.

What’s Included with Cigna?

  • Inpatient care
  • 100% in-network preventive care coverage
  • Rehabilitation and therapies
  • Prescription drugs
  • Immediate medical attention
  • Mental, health, behavioural health, or substance abuse needs
  • Outpatient surgery
  • Hospital stay
  • Rehabilitative and habilitative services
  • Maternity care Dental and eye care for children

Types of Health Insurance Plans

Businesses and Organizations

Yes

Individuals and Families

Yes

Short-Term Health Insurance

Yes

Other Plans Offered:

  • Lump Sum Cancer Insurance
  • Global Group Plans
  • Global Individual Plans

Plans Reviewed

Bronze Plan

Cigna’s Bronze Plan does not provide an annual limit for specific services that they cover. It has an out-of-pocket limit for participating providers which amount to $6,500 per individual and $25,000 for non-participating providers. They have an overall deductible that consumers must pay before the plan starts to pay for its covered services which adds up to $6,000 for participating providers and $12,000 for non-participating providers. This plan also meets the minimum value standard which is 60% and offers minimum essential coverage on the subject of Affordable Care Act.

Silver Plan

This plan requires policyholders to pay for deductibles on specific services such as prescription drugs which cost them $250 for each individual. It has an out-of-pocket limit that sums to $6,250 per individual for participating providers and $25,000 for non-participating providers. Other costs such as balance-billed charges, premiums, and penalties and not included in the company’s out-of-pocket limit which oblige beneficiaries to pay these expenses.

Gold Plan

Gold Plan does not have an overall deductible that policyholders must pay for their network of participating providers whether for individual or family.  Consumers should share their cost of covered expenses that has a limit of up to $6,250 per person for participating providers and $25,000 for non-participating providers. They also have to pay expenses that are included in the out-of-pocket limit such as penalties, premiums, and balance-billed charges. It also does not have an annual limit on how much their plan will pay for them on specific covered services.

How Much Does It Save You?

 

Bronze

Silver

Gold

Services Offered

Participating Provider

(Customer’s Cost)

Non-Participating Provider

(Customer’s Cost)

Participating Provider

(Customer’s Cost)

Non-Participating Provider

(Customer’s Cost)

Participating Provider

(Customer’s Cost)

Non-Participating Provider

(Customer’s Cost)

Preventive Care Services

None

50% co-insurance

None

50% co-insurance

None

50% co-insurance

Diagnostic Test

Lab: $40 co-pay, deductible waived

X-ray: 100% co-insurance, deductible applies

50% co-insurance

Lab: $35 co-pay

X-ray: $65 co-pay

50% co-insurance

Lab: $30 co-pay

X-ray: $50 co-pay

50% co-insurance

Imaging

100% co-insurance

50% co-insurance

$250 co-pay

50% co-insurance

20% co-insurance

50% co-insurance

Generic Drugs

Retail/Mail: 100% co-insurance

Mail: not covered

Retail: 50% co-insurance

Retail: $15 co-pay

Mail:$37 co-pay

Mail: not covered

Retail: 50% co-insurance

Retail: $15 co-pay

Mail: $37 co-pay

Mail: not covered

Retail: 50% co-insurance

Specialty Drugs

Retail/Mail: 100% co-insurance

Mail: not covered

Retail: 50% co-insurance

Retail/Mail: 20% co-insurance

(with limitations)

Mail: not covered

Retail: 50% co-insurance

Retail/Mail: 20% co-insurance

Mail: not covered

Retail: 50% co-insurance

Outpatient Surgery

100% co-insurance

50% co-insurance

20% co-insurance, deductible waived

50% co-insurance

20% co-insurance

50% co-insurance

Hospital Stay

100% co-insurance

50% co-insurance

20% co-insurance

50% co-insurance

20% co-insurance

50% co-insurance

Prenatal and Postnatal Care

None

50% co-insurance

None

50% co-insurance

Prenatal: none

Postnatal: $30/visit

50% co-insurance

Primary Care Visit

$70 co-pay

50% co-insurance

$45 co-pay

50% co-insurance

$30 co-pay

50% co-insurance

Emergency Room Service and Transportation

100% co-insurance

50% co-insurance

$250 co-pay

50% co-insurance

$250 co-pay

$250 co-pay

Urgent Care

$120 co-pay

50% co-insurance

$90 co-pay

50% co-insurance

$60 co-pay

50% co-insurance

Rehabilitation and Habilitation Services

$70 co-pay

50% co-insurance

$45 co-pay

50% co-insurance requires pre-authorization

$30 co-pay

50% co-insurance

Mental/Behavior Health Outpatient Service

$70 co-pay

50% co-insurance

$45 co-pay

50% co-insurance requires pre-authorization

$30 co-pay/20% co-insurance

50% co-insurance requires pre-authorization

Mental/Behavior Health Inpatient Service

100% co-insurance

50% co-insurance

20% co-insurance

50% co-insurance

20% co-insurance

50% co-insurance

Substance Use Disorder Outpatient Service

$70 co-pay

50% co-insurance

$45 co-pay

50% co-insurance requires pre-authorization

$30 co-pay/20% co-insurance

50% co-insurance requires pre-authorization

Substance Use Disorder Inpatient Service

100% co-insurance

50% co-insurance

20% co-insurance

50% co-insurance

20% co-insurance

50% co-insurance

 

Annual Maximum

Bronze

None

Silver

None

Gold

None

*Only on specific covered services

Summary

What’s great about Cigna’s health insurance plans is that it doesn’t have maximum annual limits on a number of services it covers.

 

 


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Customer Comments & Reviews

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H
Hai V
Aliso Viejo, California
1/10/2018
Broke my foot on April 30th 2016, went to ER and got sutured up, they stopped the bleeding after received 14 stitches and that was as much as they could do. I would have to see my PCP to evaluate my broken foot. Broken bones does not qualify as a medical emergency. The ER was nice enough to provide me with the Xrays. When I went in for a walk-in the next day to my PCP at HOAG they said they could not see me without an appointment. The next available appointment was 2 weeks away. I opted to try and see someone at Alta-Med, same response... After finally seeing a doctor 2 weeks later, I was told I had to see an outside specialist because no surgeons are available in-network any longer.... Read More


A
Arunkumar P
Hopkins, Minnesota
12/29/2017
My doctor recommended a shoe insert and connected me to a Orthotic provider. Before going ahead with the order of making a shoe insert for me the Orthotic provided contacted Cigna to check if this will be covered by insurance. Cigna confirmed that this will be covered. And then the Orthotic provider went ahead with my shoe insert. But later I got to know Cigna rejected the claim by the Orthotic provider. I called Cigna and they confirmed that as per Cigna Record Orthotic provider had called them and Cigna had confirmed that it will be covered. They apologized to me said this will be taken care. After a month I checked with the provider if they received the payment from Cigna they said no.... Read More


Krissy A
Hopewell Junction, New York
12/15/2017
My Father is only 66 years old. He suffered a stroke 1 year ago with a mild right lower extremity residual, however after attending outpatient therapy he was able to walk with a cane. Last October he was diagnosed with squamous cell carcinoma and underwent a right tonsillectomy and a right neck dissection with removal of malignant lymph nodes, we did not purpose chemo or radiation as my father’s stroke symptoms exacerbate and worsen proceeding surgery or illness. He is 9 months cancer free. All these battles my father has won only to have become immobile secondary to vascular compromise in which he suffered for months until finally sent to the emergency room by his primary care... Read More



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9.7 / 10
  • Plans starting at $104 per month
  • Over 180 carriers to choose from
  • Interim Coverage for $0.59 a day
  • A- BBB Accredited
  • Featured on CNN, Wall Street Journal, The New York Times, and Kiplinger’s
  • Partnered with health insurance providers including Anthem, Kaiser Permanente, and Cigna