- Get Coverage as soon as Tomorrow!
- Short term coverage is ideal if you missed enrollment, can't afford traditional insurance, are between jobs, just graduated or retired early.
- Covers: ER & hospitals coverage, Doctors, Labs, Urgent Care & More
- Visit any doctor in their nationwide network; no referral required
- No long term commitment. Budget Friendly.
Cigna Health Insurance Review
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.
- Get Coverage as soon as Tomorrow!
- Short term coverage is ideal if you missed enrollment, can't afford traditional insurance, are between jobs, just graduated or retired early.
- Covers: ER & hospitals coverage, Doctors, Labs, Urgent Care & More
- Visit any doctor in their nationwide network; no referral required
- No long term commitment. Budget Friendly.