Cigna Health Insurance Reviews 2024: Cigna Healthcare is a leading health insurance provider that offers comprehensive medical coverage to safeguard you from high healthcare costs.
What is Cigna Health Insurance?
Some key details about Cigna healthcare Medical insurance:
- Covers hospitalization, surgeries, doctor visits, prescriptions, lab tests and more
- Provides access to a large national and international network of healthcare providers
- Offers group health insurance through employers and individual/family plans
- Has different plan types like PPOs, HMOs, IDNs, and Open Access Plus
- Features some plans with $0 virtual care visits and 24/7 helpline access
- Gives you online resources to manage your plan and health spending
Overall, this Health Insurance company aims to provide affordable, flexible coverage for your medical needs. It combines national provider access with helpful cost and care management tools.
Key Details about Cigna Health Insurance
| Factor | Description |
|---|---|
| Coverage | Doctor visits, ER, hospital stays, lab tests, surgery, prescriptions, preventive care |
| Plan Types | PPO, HMO, IDN, Open Access Plus (OAP) |
| Network | Over 1.5 million doctors and health facilities |
| Virtual Care | 24/7 telehealth phone line, $0 online doctor visits |
| Online Resources | myCigna app and portal to check coverage, and costs and manage health |
| Costs | Premiums, deductibles, copays, coinsurance |
| Discounts | Vision, dental, hearing, fitness/gym discounts |
Cigna Medical Insurance Reviews
Cigna health insurance gets largely positive reviews for 2022-2023, earning 4 out of 5 stars on ConsumerAffairs. Here are some Cigna medical insurance pros and cons based on customer feedback:
Pros:
- Large national and international provider network
- Good selection of plan options
- $0 virtual care visits and 24/7 health line
- Member discounts and rewards programs
- Helpful online cost of care and coverage tools
Cons:
- High deductibles on some plans
- Pre-approvals are required for some services
- Claims processing can be slow
- Mixed customer service experiences
Customers praise the convenience of Cigna’s provider search tools, telehealth services, and online member portal. Many mention that health insurance helps them access quality care at affordable prices. Some find the claims process slow and wish plan deductibles were lower. This Health Insurance provider gets positive feedback overall for good plan choices and helpful member resources.
What are Cigna Health Insurance Plans?
Cigna offers several flexible major medical and supplemental health insurance plans. Some top options include:
PPO Plans: These plans offer the flexibility to see any doctor without referrals. You pay less when using the Cigna PPO network. Copays apply for office visits and prescriptions.
HMO Plans: With set copays for services, these plans require selecting a primary care physician and getting referrals to see specialists. Care is coordinated through your primary doctor.
Catastrophic Plans: These protect you from high medical bills but have lower monthly premiums and very high deductibles, making them a budget-friendly choice for young and healthy consumers.
Supplemental Plans: These additional insurance plans help pay for expenses like hospital stays, critical illness, accidents, life insurance, and more.
Within each health plan category, there are options with a range of deductibles, copays, coinsurance rates, and premiums to fit different budgets and health needs.
How to Login to the Cigna Health Insurance Portal?
You can log into your Medical or health insurance account through their online portal and mobile app. Here are the steps:
- Go to the myCigna.com login page or open the myCigna mobile app.
- Enter your username and password.
- If you don’t have an account, select “Register Now” to create one.
- Provide some basic information like name, birthdate, ID number, etc. to verify your identity.
- Create a unique username and password.
- Select and answer security questions.
- Agree to the website’s terms of use.
- Your account will be created and you can now log in to access your plan details, ID card, claims information, costs, and healthcare tools.
The myCigna portal allows you to conveniently manage your Cigna health insurance account online or via your mobile device.
Cigna Health Insurance Customer Service Number
If you need assistance with your Cigna health insurance plan, you can contact customer service at this toll-free phone number:
To get a quote or for available plans in all your areas, call 1 (855) 953-0993.
This number connects you to Cigna’s customer support team 24/7. They can help with questions like:
- Understanding your health insurance benefits and coverage details
- Finding in-network doctors, hospitals, and pharmacies
- Estimating costs for a procedure or medication
- Checking claim status and getting claim issues resolved
- Changing or updating your account information
- Understanding bills and statements
- Handling problems with ID cards or pre-approvals
- Troubleshooting website or app issues
Cigna aims to deliver friendly, timely support so you can get the most out of your health plan and benefits. Call their 24-hour helpline whenever you need assistance.
In summary, Cigna health insurance provides a variety of medical coverage options combined with convenient online and mobile tools to manage your costs and care. Reviews highlight their large provider network, virtual care services, and helpful member resources as valuable advantages. Check their plan choices and call their customer support line for help choosing the right Cigna health insurance policy for your needs and budget.