Cigna is a global health service company that offers health insurance plans for individuals, families, and employers. The company has been in business for over 200 years and currently serves over 180 million customers worldwide. Cigna’s health insurance plans cover a wide range of medical services and treatments, including preventative care, hospitalization, prescription drugs, and more. The company’s goal is to provide affordable and comprehensive health insurance options to help individuals and families stay healthy and financially secure. Cigna also offers various wellness programs and resources to help customers maintain healthy lifestyles and prevent chronic health conditions.
Types of Insurance Offered by Cigna
Cigna offers various types of health insurance plans to individuals, families, and employers. Here are some of the types of insurance offered by Cigna:
- Medical insurance: Cigna’s medical insurance plans cover a range of medical services and treatments, including hospitalization, doctor’s visits, prescription drugs, and more.
- Dental insurance: Cigna’s dental insurance plans cover preventative care, basic procedures like fillings and extractions, and major procedures like crowns and bridges.
- Vision insurance: Cigna’s vision insurance plans cover routine eye exams, glasses, contact lenses, and other vision-related expenses.
- Behavioral health insurance: Cigna’s behavioral health insurance plans cover mental health and substance abuse treatment, including inpatient and outpatient services.
- International insurance: Cigna offers international health insurance plans for individuals and families who are living or traveling abroad.
- Medicare insurance: Cigna offers Medicare Advantage and Medicare supplement plans for seniors who are enrolled in Medicare.
- Disability insurance: Cigna’s disability insurance plans provide income protection for individuals who are unable to work due to a disability.
- Life insurance: Cigna’s life insurance plans provide financial protection for families in the event of the policyholder’s death.
Overall, Cigna offers a wide range of health insurance options to meet the needs of individuals, families, and employers. Customers can choose from different plan options and customize their coverage to fit their specific needs and budget.
Types of Health Plans Available from Cigna
Cigna offers a variety of health insurance plans to meet the needs of individuals, families, and employers. Here are some of the types of health plans available from Cigna:
- Health Maintenance Organization (HMO) plans: HMO plans require customers to choose a primary care physician and typically only cover care provided by healthcare providers within the HMO network, except in emergencies.
- Preferred Provider Organization (PPO) plans: PPO plans offer more flexibility than HMO plans, allowing customers to see healthcare providers both in and out of the network. However, customers typically pay higher out-of-pocket costs for care received outside the network.
- Point of Service (POS) plans: POS plans are a hybrid of HMO and PPO plans, requiring customers to choose a primary care physician and offering a network of healthcare providers. Customers can also receive care outside the network, but typically pay higher out-of-pocket costs for doing so.
- High Deductible Health Plans (HDHPs): HDHPs are typically paired with a health savings account (HSA), allowing customers to set aside pre-tax funds to pay for medical expenses. HDHPs have lower monthly premiums, but higher out-of-pocket costs.
- Indemnity plans: Indemnity plans allow customers to see any healthcare provider they choose, but typically require higher out-of-pocket costs.
In addition to these plan types, Cigna also offers Medicare Advantage and Medicare supplement plans for seniors, as well as international health insurance plans for those living or traveling abroad. Customers can choose from different plan options and customize their coverage to fit their specific needs and budget.
Extra Benefits from Cigna
In addition to their health insurance plans, Cigna offers a range of extra benefits to help customers stay healthy and save money. Here are some of the extra benefits offered by Cigna:
- Wellness programs: Cigna offers various wellness programs to help customers maintain healthy lifestyles, including health coaching, weight management, and tobacco cessation programs.
- Telemedicine: Cigna’s telemedicine program allows customers to speak with healthcare providers remotely, using video or phone consultations, for certain medical conditions.
- Pharmacy benefits: Cigna’s pharmacy benefits provide discounts on prescription medications and home delivery options.
- Employee assistance programs: Cigna’s employee assistance programs offer counseling and support services for employees and their families, including mental health and financial counseling.
- Health savings accounts: Cigna offers health savings accounts (HSAs) for customers with high-deductible health plans, allowing them to set aside pre-tax funds to pay for medical expenses.
- Discount programs: Cigna offers various discount programs, including gym memberships, weight loss programs, and alternative health services.
Overall, Cigna’s extra benefits are designed to help customers stay healthy, save money, and improve their overall wellbeing. Customers can take advantage of these benefits to supplement their health insurance coverage and improve their healthcare experience.
Best Cigna Health Insurance Plans
The best Cigna health insurance plan for you will depend on your individual needs and budget. Here are some of the top Cigna health insurance plans based on their features and benefits:
- Cigna SureFit: Cigna SureFit is a customizable health insurance plan that allows customers to choose from different levels of coverage and benefits to fit their specific needs and budget. This plan also includes access to Cigna’s wellness and discount programs.
- Cigna Connect: Cigna Connect is a network-based health insurance plan that offers both HMO and PPO options. This plan includes coverage for preventive care, doctor’s visits, hospitalization, and prescription drugs, as well as access to Cigna’s telemedicine program.
- Cigna One: Cigna One is a comprehensive health insurance plan that includes coverage for medical, dental, and vision care, as well as access to Cigna’s wellness and discount programs. This plan also includes no deductibles or copays for certain preventive care services.
- Cigna Health Savings: Cigna Health Savings is a high-deductible health plan that allows customers to set aside pre-tax funds in a health savings account (HSA) to pay for medical expenses. This plan includes coverage for preventive care, doctor’s visits, and hospitalization, as well as access to Cigna’s telemedicine program.
- Cigna Global Health: Cigna Global Health is an international health insurance plan that provides coverage for individuals and families living or traveling abroad. This plan includes coverage for medical, dental, and vision care, as well as emergency medical evacuation and repatriation.
Best Cigna health insurance plans for NCQA ratings
NCQA (National Committee for Quality Assurance) is a non-profit organization that rates health insurance plans based on quality measures such as member satisfaction, preventive care, and treatment outcomes. Here are some of the best Cigna health insurance plans for NCQA ratings:
- Cigna SureFit: Cigna SureFit has been rated 4.5 out of 5 by NCQA for overall quality. This plan also received high ratings for preventive care and member satisfaction.
- Cigna Connect: Cigna Connect has been rated 4 out of 5 by NCQA for overall quality. This plan received high ratings for preventive care and treatment outcomes.
- Cigna One: Cigna One has been rated 4 out of 5 by NCQA for overall quality. This plan also received high ratings for preventive care and member satisfaction.
- Cigna Health Savings: Cigna Health Savings has been rated 4 out of 5 by NCQA for overall quality. This plan received high ratings for preventive care and member satisfaction.
- Cigna Global Health: Cigna Global Health has not been rated by NCQA as it is an international health insurance plan.
Cigna Health Insurance FAQs
Cigna Health Insurance is a health insurance provider that offers a range of health insurance plans to individuals, families, and employers.
Cigna offers a variety of health insurance plans, including HMO, PPO, EPO, and POS plans, as well as dental, vision, and supplemental insurance plans.
You can enroll in Cigna Health Insurance through your employer if they offer Cigna as a provider, or you can purchase individual or family coverage through Cigna directly.
Yes, Cigna Health Insurance offers coverage outside of the United States through their Global Health Benefits program.
Yes, Cigna Health Insurance offers a range of wellness programs and incentives to help their members stay healthy, such as fitness programs, health coaching, and discounts on wellness products and services.
You can file a claim with Cigna Health Insurance by filling out a claim form and submitting it online or by mail. You can also track the status of your claim through Cigna’s online portal.
Conclusion
In conclusion, Cigna Health Insurance offers a range of health insurance plans to individuals, families, and employers, including HMO, PPO, EPO, and POS plans, as well as dental, vision, and supplemental insurance plans.
They also offer coverage outside of the United States through their Global Health Benefits program and a range of wellness programs and incentives to help their members stay healthy. Cigna covers pre-existing conditions, and you can file a claim with them by filling out a claim form online or by mail. If you have any further questions about Cigna Health Insurance, don’t hesitate to ask.
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