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Cigna Health Insurance Reviews

Cigna Health Insurance Reviews

Cigna Insurance dates 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.

 


 

Cigna Open Access Health Insurance Review - California

While living in the tech area of California, I purchased the Cigna Open Access health insurance. Every individual has their own medical and health insurance needs, and this was the only carrier to take me on. The University I work at offers up to four possible health care options for its employees. The options are listed as follows: Blue Cross Blue Shield, Cigna, and a special university only option, the only true PPO option is Cigna. All of these health insurance options offer diverse plans with relatively low premiums, but Cigna has the largest national network and I also needed that for traveling.

Read more: Cigna Open Access Health Insurance Review - California
 
Cigna Health Insurance Review from Florida

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.

Read more: Cigna Health Insurance Review from Florida
 
Cigna Health Insurance Review from Georgia

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.

Read more: Cigna Health Insurance Review from Georgia
 
CIGNA Open Access Value Review

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:

  • Deductibles ranging from $1500 - $10K, including a $3000 deductible in some states
  • Immediate $40 copays on most plans, $60 copay for specialists
  • Adult and Child preventive care - Copay - Deductible is waived
  • Generic drug coverage $20 copay (mail order $50 for 3 months supply)
  • Preferred Brand name drugs for $40 copay after $500 deductible (mail order $100 for 3 month supply)
  • Preventive Care for All Ages (Routine physicals and other routine preventive services): CIGNA pays 100% (Deductible waived)
  • Self-Administered Injectable Drugs - Cigna pays 50%
  • Pap smear, bone density screening, PSA screening, plan pays 100%
  • Mammogram CIGNA pays 100%

Other important benefits included after deductible are 40 home healthcare visits per a year, outpatient mental health $30 per day covered

 
Cigna Health Insurance 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.
 


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For any questions about Cigna health insurance, deductibles, co-pay, or any other health insurance related questions, please email us at This email address is being protected from spambots. You need JavaScript enabled to view it. . 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.




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