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Cigna Health Insurance Ratings

Ranked No. 3 Overall
Customer Satisfaction Ratings (based on 100 survey results)
ProductOverall
HOW WE WEIGH OUR SCORE
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Financial
Strength
Ratings
Effective as of:
WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

Health
83.95
out of 100
88
85
81
81
75%
93%
A
October 31, 2019
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Reasons for Buying from Cigna

Customers of Cigna originally decided to purchase from the company for these reasons:
It's a health plan my employer offers37%
Offered best price14%
Recommended by friend or family member12%
Reputation11%
Saw online ad8%
Saw TV commercial8%
I have/had other insurance with this company4%
The company website and mobile apps are easy to use and helpful4%
Was the company my parents had2%

How likely are you to recommend this company to a friend, coworker or family member?

I would definitely recommend this company. 38%
I probably would recommend this company. 37%
Neutral 20%
I probably would not recommend this company. 3%
I would not recommend this company. 2%

Would you renew?

Yes 93%
No 7%

Website and Apps

How easy to use and how helpful they are
42%Satisfied - Fulfills my needs okay
31%Completely satisfied - Gives me what I want and more
20%Neutral - No good or bad feelings on this
5%Never visited or used website or mobile app
2%Not Satisfied - Is not a good website or app
0%Very unsatisfied - Their digital offerings are not good at all or nonexistent

How You Prefer to Deal with Insurers

39%Phone
28%Interactive website
15%In person
10%Mobile App
8%Email
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About Cigna

Cigna offers a wide variety of health insurance products:

  • Consumer driven health plans
  • Health Maintenance Organizations (HMO) and Network plans
  • Medicare Solutions
  • Voluntary Limited-Benefit health plans
  • Individual and family plans
  • Open Access plus plan
  • Indemnity
  • For Government Benefit Managers

Disability plans include:

  • Short-term disability
  • Long-term disability
  • Specialty groups

Best Health Insurance Companies 2020: How Cigna Compares

Cigna had a good showing in this year’s Best Health Insurance Companies survey coming in 3rd overall with a score of 83.95. Cigna did well across the board with most all rating factors claiming 2nd place for customer service, 3rd for ease of use of website and apps, 4th for price and 5th for claims handling. Ninety-three percent said they would renew with Cigna while, even with the good marks, only 75% said they would recommend the company to others.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Cigna's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For health insurance, Cigna (NAIC# 67369) had a complaint ratio of 1.15 for individual health and 0.90 for group health for 2018. 2019 complaint numbers will be available in 2020.

Company Background

A global provider

Cigna as we know it today was formed in 1982, but the company has roots running back to 1792 when a group of people from Philadelphia started the first marine insurance company in the U.S.

In the 21st century, Cigna is health insurer dedicated to helping people improve their health, well-being and security by providing medical, dental, behavioral health, pharmacy and vision care benefits, as well as group life, accident and disability insurance, to more than 46 million people throughout the United States and around the world.

Contact information

Corporate headquarters
CIGNA Corporation

Cigna Corporate Headquarters
900 Cottage Grove Road
Bloomfield, CT 06002

2 Liberty Place, 1601 Chestnut St.
Philadelphia, PA 19192
Member services: (800) 244-6224

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