Best Health Insurance Companies

Cigna Health Insurance Reviews And Ratings

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Cigna Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 83%
Who Plan to Renew 91%
AM Best Financial Strength Ratings A

About Cigna

Member services:(800) 244-6224
Cigna Corporate Headquarters900 Cottage Grove Road
Bloomfield, CT 06002
St. Louis, MO 63105

Cigna has been in business since 1792. In 1792, at a meeting in Philadelphia’s Independence Hall, a group of prominent citizens formed the Insurance Company of North America (INA). INA is the first marine insurance company in the United States, and it remains the nation’s oldest, stockholder-owned insurer.

In 1942, at the request of the U.S. Army, an INA company wrote accident and health insurance for the 30 men working on the Manhattan Project, without being told the nature of their employment.

In 1950, Connecticut General (a precursor to Cigna) introduced medical catastrophe (major medical) insurance, writing the first policy in the U.S. for its own employees. In 1954, Connecticut General introduced the first comprehensive medical case that combines group health and major medical into a single contract and in 1964, Connecticut General introduced group dental insurance for any employer with at least 35 employees.

Fast forward to 2009 when Cigna became the first and only health service company in the U.S. to offer live 24/7/365 access to its call center service representatives for medical, dental, and pharmacy plan customers and contracted health care professionals.

In 2018, Cigna completed a combination with Express Scripts, establishing a blueprint to transform the health care system to deliver improved affordability, choice and predictability through flexible, open and connected solutions.

Cigna Coverages

  • Health Insurance for Individuals and Families
  • Dental Insurance Plans
  • Medicare and Medicaid Plans
  • Other Supplemental Insurance
  • International Health Insurance

Cigna also offers Medicare plans:

  • Medicare Advantage Plans
  • Part D Prescription Drug Plans
  • Medicare Supplement Insurance

Cigna is a major supplier of company and government health care plans:

  • Medical
  • Savings and Spending Accounts (HRA/HSA/FSA)
  • Wellness, Mental Health, and Behavioral
  • Pharmacy
  • Dental and Vision

Best Health Insurance Companies 2021: Cigna

Cigna is a major health services and insurance company that is based in Bloomfield, Connecticut. It offers medical, dental, disability, life and accident insurance as well as related products and services. They are a major provider of health care through employer plans as well as other group plans such as governmental and non-governmental organizations, unions and associations.

Cigna serves more than 180 million customer relationships in more than 30 countries and jurisdictions. Cigna currently employs roughly 70,000 people.

How Cigna stacks up

Cigna received 4 out of 5 stars in our annual Best Health Insurance Companies review. They earned 4 out of 5 stars across the board claims, price, customer service and website & apps.

When we asked Cigna customers if they would recommend Cigna to others, 83% said yes. Ninety-one percent of Cigna customers said they planned to renew their plan with Cigna.

How likely customers would recommend this company?

37% I would definitely recommend this company
46% I would probably recommend this company
10% Neutral
4% I would probably not recommend this company
3% I would not recommend this company

Reasons for Buying

Customers of Cigna originally decided to purchase from the company for these reasons:
  • 40% It's a health plan my employer offers
  • 14% Offered best price
  • 14% Reputation
  • 12% Saw TV commercial
  • 6% Recommended by friend or family member
  • 6% Saw online ad
  • 3% I have/had other insurance with this company
  • 3% My parent's health company
  • 2% The company website and mobile apps are easy to use and helpful

Would you renew?

  • 91% Yes
  • 9% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 39%
  • Fairly satisfied / Fulfills my needs OK 35%
  • Average website and apps 15%
  • Very unsatisfied / digital offering is severely lacking 5%
  • Unsatisfied / website and/or apps are not fulfilling my needs 4%

How do you prefer to deal with insurer and policy?

  • In person 36%
  • Phone 13%
  • Email 12%
  • Interactive website 28%
  • Mobile App 11%

Customer Complaint Ratio


The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

Cigna’s customer complaint ratio for Individual Health insurance is 1.07
Cigna’s customer complaint ratio for Group Health insurance is 1.29

In which states is Cigna available?

Customer Reviews

Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:

Customer Reviews

150 Reviews. 4 Stars out of 5
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