Cigna Health Insurance Review - Reviews of Cigna Health Insurance

Cigna Insurance dates all the way back to 1792 when it was founded as the first marine insurance company in the United States, and it still remains the nation's oldest stockholder-owned insurer. What formed as the Insurance Company of North America (INA) over 200 years ago, has been helping people lead healthier more secure lives as CIGNA for more than 125 years.

CIGNA members have access to a national network of 500,000+ providers and hospitals. If you choose a Cigna plan you can choose any PPO doctors or hospital you like. This means NO referrals an necessary. This is just one example of the flexibility of Cigna insurance.

If you have any questions about the differences between CIGNA policy benefits or which CIGNA policies are available in your state, you can speak with a health insurance specialist who will be able to answer any questions you may have by calling toll free 1-877-698-6645. Below are CIGNA health insurance reviews.

I am part of a family of four and we have our insurance through a broker. Our health insurance is done through Cigna. Our dental insurance is through United Health and our vision insurance is through Cigna. We are very fortunate; our policy does not require a separate prescription policy or card. We are also able to participate in a Healthcare Savings Account [HSA] and this is so beneficial when it comes to paying our medical, dental and vision needs. We can have our claims paid directly from our HSA and use our no-fee debit card at any pharmacy. We are able to see most doctor's in our area and we have never been turned away from any treatment that any of us have needed. Another wonderful aspect of our policy is that we do not have to get a referral for any specialists. We can see our primary care physician, take his advice and make our appointments. We live in Southeast Georgia in a smaller town, so we are able to be seen by any doctor the day we call. We have not had to wait for any insurance reasons to be seen.

Our policy consists of the traditional 80/20 split with a yearly family deductible. Our deductible may seem high at 2500.00 per year, but that can be met with one trip to the emergency room. Having two children ages 11 and 9 who are active this policy is the perfect fit for us. We do not have to pay any costs at the time of a doctor visit; the doctor's office will file our claim and if there is not enough money in our HSA to pay our portion then we are billed the difference. This makes things so much better when there is an emergency and the last thing we want to have to worry about is settling the bill right then. Our son jammed his finger badly last year and we thought he had broken it. He was screaming and holding his hand, this is the first time he had ever really hurt himself. As a mom I was panicked for him. We were able to go to an Immediate Care Center with no long wait, have the x-ray right there and the splint put on him all within one hour of the incident. We did not have to pay anything that day. By the time the Clinic filed our claim and our HSA paid the bill two paychecks had come in. That emergency was all about our son and doing what we needed to be able to do. We did not have to worry about the financial side. Our premiums are 396.00 a month. Is family insurance worth the cost - we believe ABSOLUTELY. For the piece of mind we have in knowing that we can get any help we need for ourselves or our children is priceless.

In the state of Florida health insurance is a precious commodity. Access to healthcare is limited, if not non existent without having good coverage. I am fortunate enough to have health insurance though my job and I am the only family member on it. However my family has an individual policy through Cigna and the monthly premiums are approximately $520 per month because the company I work for does not contribute to employee health insurance. We do our insurance this way because if we were on the group coverage through my company it would cost $850 a month extra! The insurance is a PPO with benefits administered through Cigna. There are sufficient doctors, pharmacies, and facilities on our list of providers and in the Orlando area.

A visit to a primary care physician has a co-pay of $20 as long as he is not a specialist. This includes most stuff that is done in his office, such as blood work and x-rays. My co-pay to see a specialist is $50 and also includes just about anything done in his office. None of my co-pays count towards our $1000 deductible or my co-insurance of 20%, which is has a $3000 out of pocket limit per calendar year. After I meet the $3000 out of pocket, co-insurance is paid at 100%. If I have blood work done outside a doctor’s office I end up paying a negotiated rate. For x-rays it is a preferred rate also. My wife gets mammograms and has no deductible or co-pay, they are paid at 100%. If I require an MRI, PET scan or other High Technology Scan my deductible comes into play then paid at 100%. Emergency room visits require $100 co-pay, but if I am admitted to the hospital the co-pay is waived. Out patient surgical procedures in network are subject to the deductible and co-insurance then the remainder is paid at 100%. If someone is admitted to an in-network hospital I have the same coverage - deductible and co-insurance must then be met. My wife and kid each get one preventive care visit per calendar year with a co-pay of $20 for anything done in the physician’s office.

The Cigna health insurance plan includes drug coverage. Purchased through an in-network pharmacy, monthly co-pays consist of $10 for generic, $50 for preferred name and $75 for non-preferred name. If I use mail order, co-pays for a 90 day supply consist of $20 for generic, $100 preferred name and $150 for non-preferred name. There is no dental or vision coverage on my plan. No maternity, well child care, and immunizations are included either. I think pre-certification for hospital admissions, out patient surgical procedures and High Technology Scans is recommended and maybe even required. In cases of emergency my insurance company is to be notified as soon as possible by myself, my family, or the medical facility.

My Cigna insurance was purchased with an agent. Any problems encountered, such as non payment of claims, are sent to the broker. It is investigated on our behalf and the issue resolved or an explanation is provided as to why the service is not covered. There is a lifetime maximum benefit of $5,000,000. All in all this is a good plan and I figure we save about $3600 a year figuring our health insurance this way. I wish my family could all be one health insurance plan, but my agent showed me this route and it was the only way to get the most affordable health insurance.

Cigna Open Access Value is one of the hottest selling family health plans on the market for Colorado, Florida, and Texas.

Some of the key benefits are:

Frequently Asked Questions:

Q: Who is this plan best for?

A: Currently families of three or more members who live in Florida are the number one purchaser of the Cigna Open Access Value 3000. This plan is giving Humana, Assurant, and UnitedHealth a run for their money.

Q: Does Cigna offer any tax savings options, like health savings accounts?

A: Yes, Cigna offers health savings account in all the states that it offers individual insurance. It’s premium is more completive in some states than others, but it is a popular option, especially for young self employed individuals.

If you have a review of CIGNA health insurance that you would like to submit to be published on our website, please send it to use at reviews@HealthInsuranceReviews.com. CIGNA health insurance reviews will be posted as they are submitted.

For any questions about CIGNA health insurance, deductibles, co-pay, or any other health insurance related questions, please email us at info@HealthInsuranceReviews.com. Or you can call us toll free at 1-877-698-6645 to speak with a health insurance specialist who can answer any questions you may have about CIGNA health insurance or any other question about health insurance.