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Cigna vs. Blue Cross Blue Shield: Comparing Medicare Health Plans

Cigna and Blue Cross Blue Shield (BCBS) are two of the largest insurance carriers that sell Medicare health plans. Depending on where you reside, the companies, and the plans, they sell work differently. Comparing plans between the two companies can get difficult, but we want to give you as much information as we can to help you make better health choices.

Breakdown of How Cigna and Blue Cross Blue Shield Work

• Cigna

Sells Medicare Advantage (MA) plans and three prescription drug plans (PDPs) countrywide under the name Cigna-HealthSpring. Medigap health insurance policies are sold under the name Cigna. Cigna has over 1.5 million health care professionals across the globe.

• Blue Cross Blue Shield

Comprises 36 unique, locally run companies that operate under the Blue Cross Blue Shield brand. So, where you live determines which BCBS company you can purchase a plan from. BCBS also has many Medicare Advantage and Part D plans.

Cigna Versus BCBS: Medicare Advantage and Prescription Drug Plans

To compare Medicare plans between Cigna and Blue Cross Blue Shield, we wanted to get local since the plans are available to you from each company, depending on the local BCBS insurer where you live.

We pulled an example plan information from Dallas, Texas, to give you an idea of the benefits and costs of every company’s plans. In our Texas search, we found Cigna-HealthSpring sells one Health Maintenance Organization (HMO) plan, one HMO Special Needs Plan (HMO SNP), two Preferred Provider Organization (PPO) policies, and three-Part D prescription drug plans. In comparison, BCBS lets beneficiaries select between two PPOs—plus three PDPs.

Cigna and BCBS Medicare Advantage Health Insurance Plans (in Dallas, TX)

Cigna-Health Spring

• Cigna-HealthSpring Preferred (HMO)
• Cigna-HealthSpring TotalCare (HMO SNP)
• Cigna-HealthSpring Preferred (PPO)
• Cigna-HealthSpring Advantage (PPO)

Blue Cross and Blue Shield of Texas

• Blue Cross Medicare Advantage Value (HMO)
• Blue Cross Medicare Advantage Choice Plus (PPO)
• Blue Cross Medicare Advantage Choice Premier (PPO)

Remember, the specific health insurance plan options, costs, and availability depend on your location. Do your own research and compare health insurance plans from many providers before making a decision.

The Bottom Line: Cigna Vs. Blue Cross Blue Shield

What’s most significant in the Cigna vs. Blue Cross Blue Shield comparison? Location, location, location. Since both companies operate differently depending on where you live, you need to get to know which local insurers provide plans in your area.

Lastly, at least in Texas—the two companies provide similar plans but with slightly different options. Choose what’s more important to you, whether that be low premiums, low copays, special benefits, or other factors, to help you make your decision.

Have you made your choice? Want help finding the right plan for you? Contact an agent.

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:

• Preferred Provider Organization
• Medicare Advantage Plans