Cigna Health Insurance Review

#5 in Health Insurance

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.

 

 

Start your review for Cigna Health Insurance