Cigna Insurance Review & Ratings (2023)
This Cigna Insurance Review will cover Cigna Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Cigna Insurance A.M. Best rating is A, and the Cigna Insurance S&P Rating is AA-. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Feb 20, 2023
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An Overview: Cigna Insurance
The company has been in business for over 200 years and has built a reputation for providing quality insurance products and excellent customer service.
- Cigna is a global health services company that has been in business for over 200 years.
- They offer a wide range of insurance products including health, life, dental, and disability insurance.
- Cigna’s services are available in over 30 countries worldwide, including the United States.
This review will take an in-depth look at the different products and services that Cigna offers, the cost of these services, the discounts available to customers, and a summary of customer reviews of the company.
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Cigna Insurance History and Mission
Cigna has a long and storied history dating back to 1792 when it was founded as the Insurance Company in North America. Over the centuries, the company has grown and evolved to become one of the largest global health services companies.
Throughout its history, Cigna has remained dedicated to its mission of helping individuals and families improve their health, well-being, and peace of mind.
The company’s mission is a driving force behind everything they do, from the insurance products they offer to the customer service they provide.
Cigna’s goal is to provide comprehensive and affordable insurance coverage to as many people as possible, so they can have peace of mind knowing that they and their loved ones are protected in the event of an illness or injury.
Cigna is committed to providing its customers with the highest quality insurance products and services, and to continuously improving and evolving to meet their changing needs.
States Where Cigna Offers Insurance
Cigna offers insurance products and services in multiple states across the United States. The exact states where Cigna operates can vary depending on the type of insurance being offered, as some products may have different availability.
However, Cigna is a nationwide provider of health insurance and their individual and family health insurance plans are available in many states across the country.
Additionally, Cigna also offers life, dental, and disability insurance, and these products may have different availability based on the state.
To determine if Cigna’s insurance products are available in your state, you can visit their website or contact them directly.
Coverage Options at Cigna Insurance
Cigna offers a wide range of insurance products and services designed to meet the needs of individuals, families, and businesses.
Some of the main products and services offered by Cigna include:
- Health insurance: Cigna offers a variety of individual and family health insurance plans, including HMOs, PPOs, and high-deductible plans. These plans provide coverage for doctor visits, hospital stays, prescription drugs, and other medical expenses.
- Dental insurance: Cigna offers dental insurance plans that provide coverage for routine cleanings, X-rays, fillings, and other dental procedures. They also offer plans that provide coverage for orthodontic work, such as braces.
- Life insurance: Cigna offers life insurance plans that provide financial protection to your loved ones in the event of your death. These plans can help ensure that your family is taken care of, even if you’re no longer there to provide for them.
- Disability insurance: Cigna offers disability insurance plans that provide financial protection in the event that you become disabled and unable to work. This type of insurance can help cover your living expenses and medical bills while you’re unable to work.
- International insurance: Cigna offers international insurance plans that provide coverage for individuals who are traveling or living abroad. These plans provide coverage for medical expenses, as well as other types of coverage, such as trip interruption and emergency evacuation.
Cigna’s insurance products and services are designed to meet a variety of needs and budgets, and their knowledgeable representatives can help you find the right coverage to meet your specific needs and budget.
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Cost of Insurance at Cigna
The cost of insurance offered by Cigna will vary depending on a number of factors, including the type of insurance you choose, your location, and your age. Some of the key factors that will impact the cost of your insurance with Cigna include:
- Type of coverage: The cost of Cigna’s insurance products will vary depending on the type of coverage you choose. For example, a comprehensive health insurance plan will typically cost more than a basic plan that only covers doctor visits.
- Location: The cost of Cigna’s insurance products can also vary depending on where you live. Insurance costs can be higher in certain areas due to factors such as the cost of living, the availability of healthcare providers, and the overall health of the population.
- Age: Your age is another important factor that will impact the cost of your insurance with Cigna. Insurance costs tend to be higher for older individuals due to the increased risk of illness and injury.
- Deductible: The cost of your insurance with Cigna can also be impacted by the amount of your deductible. A higher deductible will result in lower monthly premiums, while a lower deductible will result in higher monthly premiums.
- Coverage limits: The cost of your insurance with Cigna can also be impacted by the coverage limits you choose. Higher coverage limits will result in higher monthly premiums, while lower coverage limits will result in lower monthly premiums.
To get an accurate estimate of the cost of insurance with Cigna, you can get a quote on their website or contact them directly. They will be able to provide you with a personalized estimate based on your specific needs and budget.
Discounts Available at Cigna Insurance
Cigna offers a variety of discounts to help make its insurance products and services more affordable for customers. Some of the discounts that may be available to customers include:
- Multi-policy discount: Customers who purchase multiple insurance policies from Cigna, such as health, dental, and life insurance, may be eligible for a discount on their overall premium.
- Auto-pay discount: Customers who enroll in automatic payments for their insurance premiums may be eligible for a discount.
- Healthy lifestyle discount: Customers who engage in healthy lifestyle activities, such as exercising regularly or not smoking, may be eligible for a discount on their insurance premium.
- Group discount: Customers who purchase insurance as part of a group, such as a company or organization, may be eligible for a group discount.
It’s important to note that the discounts available to Cigna customers will vary depending on the state they reside in and the type of insurance they purchase.
Customer Reviews of Cigna Insurance
Overall, Cigna has received positive reviews from its customers. Many customers praise the company for their excellent customer service and the quality of their insurance products.
Some customers have noted that the cost of their insurance plans can be higher than those of other insurance companies, but they feel that the quality of the coverage they receive makes it worth the cost.
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In Summary: Cigna Insurance
Cigna is a global health services company that provides a wide range of insurance products to individuals and families around the world. The company has a long history of providing quality insurance products and excellent customer service. If you’re looking for comprehensive health insurance coverage, Cigna is a great option to consider.