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Cigna Health Insurance Review: Cheap Individual Insurance

Cigna provides health insurance, Medicare, and dental insurance for individuals and families. If you are searching for cheap individual health insurance, then Cigna would be an excellent choice to consider. Nevertheless, the health insurance company does have below-average reviews and shopper complaints. Policyholders will have access to their health insurance or dental plans online via the Cigna website.

Cigna Individual Health Insurance

Cigna individual health insurance is offered for purchase on your state health insurance marketplace. Consumers can buy individual policies if they cannot receive health insurance through an employer or through a state or a federal program like Medicare or Medicaid.

Cigna’s individual insurance plans are available on the marketplace; you may only buy them during your state’s open enrollment period or if you have an exemption that creates a special enrollment period (SEP).

Medicare Advantage and Medicare Supplement

Cigna provides Medicare Advantage and Medicare Supplement policies to individuals already enrolled in the Medicare program.

Medicare Advantage combines Medicare Part A and Part B to offer a comprehensive health insurance plan. Besides, Medicare Advantage through Cigna will include coverage for dental, vision, and prescription drugs.

Advantage plans are broken down into four tiers of coverage:

• Cigna-HealthSpring True Choice (PPO)
• Cigna-HealthSpring Preferred (HMO)
• Cigna-HealthSpring Premium (HMO-POS)
• Cigna-HealthSpring Advantage (HMO)

All Cigna Medicare Advantage policies are free, but they have different deductibles and copayments for in-network and out-of-network coverage. This will directly relate to the provider network — HMO, PPO, or HMO-POS — for every plan. Thus, you should carefully review the benefits of each before choosing a plan.

Medicare Supplement policies A, G, N, and F, are all available for Medicare enrollees through Cigna. Nevertheless, if you decide to enroll in a Medicare Advantage policy, you cannot also purchase Medicare Supplement coverage.

Cigna Medicare Supplement varies from other supplement providers in that they provide a household premium discount. This means if multiple persons within a household are enrolled in the same Medicare Supplement policy, then they all would be qualified for a discount on their monthly premiums.

Cigna Dental Insurance Plans

Cigna dental insurance plans can be bought in conjunction with your health insurance or on a stand-alone basis. Cigna dental insurance plans include Cigna Dental Preventive, Cigna Dental 1000, and Cigna Dental 1500.

Note that the Cigna Dental 1500 plan is the only plan to provide coverage for vital services like root canals, crowns, and dentures. All Cigna dental insurance policies will have the same provider networks, meaning you will not access a special doctor by choosing a higher-level plan.

Members Benefits and Resources

Cigna policyholders can take advantage of some extra benefits, as well as the online portal and mobile app. Policyholders can utilize these tools to monitor their claims, view their Cigna health ID cards, and find in-network doctors. Cigna enrollees can also enroll for recurring medication delivery. Pharmacists are available to answer questions and fill prescriptions 24/7.

Financial Strength and Consumer Reviews

Cigna receives below-average reviews than its competitors. Overall, consumers say the provider network is insufficient, and the customer service is poor when it comes to managing claims. The corporation’s Complaint Index, measured by the National Association of Insurance Commissioners (NAIC), is 1.04. That means the Cigna has received slightly more complaints than expected for a company of its size.

Some good news: The company is financially stable, which is reflected in its A.M. Best Financial Strength Rating and Standard and Poor’s rating. Cigna receives a rating of A from both companies.

Call for your Quote Today

Stop waiting around! The right insurance provider is out there and we’re going to make sure you’re covered for the foreseeable future. Accidents can happen any time whether it’s day, night, workdays, or holidays. Insurance is the best way to prepare for the unpredictable, and a great way to secure your peace of mind. Give us a call today or fill out the form for a quote – you’ll be glad you did!

Resources and References:

• A Guide to Dental Health Insurance
• When to Choose Medicare Advantage