Cigna Health Insurance Ratings
Ranked No. 3 Overall
Product
Health
Overall
83.95
out of 100
| Product |
HOW WE WEIGH OUR SCORE
Price
35%
Customer service
25%
Claims
20%
Website and app
10%
Renew/Recommend
10% | Claims Processing | Customer Service | Value for Price | Website and Apps | % Who Would Recommend to a Friend | % Who Plan to Renew | 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. October 31, 2019 |
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AM Best Financial Strength RatingsOctober 31, 2019
A
Other Companies to Consider:
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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 offers | 37% |
| Offered best price | 14% |
| Recommended by friend or family member | 12% |
| Reputation | 11% |
| Saw online ad | 8% |
| Saw TV commercial | 8% |
| I have/had other insurance with this company | 4% |
| The company website and mobile apps are easy to use and helpful | 4% |
| Was the company my parents had | 2% |
How likely are you to recommend this company to a friend, coworker or family member?
Would you renew?
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
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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
Feedback of Surveyed Policyholders
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:
"Great company and pretty easy to use"
-Age 18-36, Texas
"Intresting"
-Age 18-36, Texas
"Good company to use for health insurance"
-Age 18-36, Texas
"They are the best"
-Age 18-36, Texas
"They provide a very good value"
-Age 18-36, Texas
"It's a good company with a strong reputation"
-Age 18-36, Arizona
"No complaints. Claims are pay promptly and accurately"
-Age 18-36, Arizona
"Their customer service is good"
-Age 18-36, Arizona
"This company has the great place in market and services are very helpful and easy claim policy."
-Age 18-36, Arizona
"They are doing a good work by making their process more easy"
-Age 18-36, Arkansas
"Good Experience"
-Age 18-36, California
"Good Experience online"
-Age 18-36, California
"Customer service is very friendly and attentive"
-Age 18-36, California
"Do not waste more time to join, they have a good quality"
-Age 18-36, California
"Excellent Servcies"
-Age 18-36, California
"Excellent quality and services"
-Age 18-36, California
"A Good Deal"
-Age 18-36, California
"Good Support"
-Age 18-36, California
"Great Services"
-Age 18-36, California
"Have fun working with them"
-Age 18-36, California
"Good Experience since they fulfils all my needs"
-Age 18-36, California
"I think it works well for what it is costing."
-Age 18-36, California
"It is easy to contact them"
-Age 18-36, California
"It's a company that cares about people"
-Age 18-36, California
"It's a good company"
-Age 18-36, California
"Their service is good"
-Age 18-36, California
"Offers good value, easy to contact, very professional."
-Age 18-36, California
"They work hard to give good service."
-Age 18-36, California
"This company is very good"
-Age 18-36, California
"I am very happy with my current insurer"
-Age 18-36, Colorado
"It's so awesome for this company to care about their customers"
-Age 18-36, Colorado
"This insurance company is very responsible and do care for it's clients and customers"
-Age 18-36, Connecticut
"I have had the best experience with this company."
-Age 18-36, Florida
"They are pretty cool"
-Age 18-36, Florida
"Provides cordial treatment and clarify the doubts patiently"
-Age 18-36, Florida
"A great and unique company of insurance"
-Age 18-36, Florida
"Great service"
-Age 18-36, Florida
"Great HSA coverage"
-Age 18-36, Florida
"Offers an excellent service. Its staff is highly qualified to serve its users"
-Age 18-36, Florida
"I get positive feelings while dealing with them"
-Age 18-36, Florida
"It is a company that cares about me"
-Age 18-36, Florida
"It is a company that exceeds many expectations. It is responsible, is aware of its customers, is innovative, offers good service, makes the client feel safe which is most important part."
-Age 18-36, Florida
"Very good provider"
-Age 18-36, Florida
"A complete company with unique services"
-Age 18-36, Florida
"It is my trustworthy insurer because it knows my needs and always offers me the best coverage plans"
-Age 18-36, Florida
"It offers me many benefits and also covers all my needs"
-Age 18-36, Florida
"It's good overall."
-Age 18-36, Florida
"Meets all the benefits I want in my insurance"
-Age 18-36, Florida
"Excellent Experience"
-Age 18-36, Florida
"Offers quality services to its clients"
-Age 18-36, Florida
"The attention is very good, it is instinctive and they are worried about your satisfaction from the beginning to the end."
-Age 18-36, Florida
"They are very professional. The team is always there to help you and provide all the information you need"
-Age 18-36, Florida
"The company provides good quality & services"
-Age 18-36, Florida
"Provides excellent services. When I needed them, they provided me with the best options"
-Age 18-36, Georgia
"Provides good online services"
-Age 18-36, Georgia
"A Good Brand Name"
-Age 18-36, Georgia
"A reputed company that cares towards the need of their customers"
-Age 18-36, Georgia
"The company promotes good monthly offers"
-Age 18-36, Georgia
"The company understands the customers needs very well.It provides the best and most affordable policies"
-Age 18-36, Georgia
"There is no upper age limit with this company, which is a nice change"
-Age 18-36, Georgia
"Cigna is an excellent company, I feel really supported, also they work in order to cover your needs."
-Age 18-36, Illinois
"I think their approch towards incorporating technology and new plataforms are the best way for improving customer experiences"
-Age 18-36, Illinois
"Their claim process is very easy and simple, you don't need to run for every thing"
-Age 18-36, Illinois
"They process claims very quickly."
-Age 18-36, Illinois
"Very good connection and excellent service"
-Age 18-36, Illinois
"Very good services and affordable premium"
-Age 18-36, Illinois
"Very Good & Innovative"
-Age 18-36, Illinois
"Offers more competitive premiums"
-Age 18-36, Indiana
"Always keep their word when paying claims"
-Age 18-36, Kansas
"They are pretty much concerned about their customer's satisfaction"
-Age 18-36, Kansas
"Excellent insurance company, I really feel supported."
-Age 18-36, Missouri
"I would like people to know that it is a trustworthy insurer"
-Age 18-36, Missouri
"They have low deductible. And they make sure that you can easily interact with them whenever you want."
-Age 18-36, New Jersey
"It provides the necessary coverage and they are prompt on payment and claims"
-Age 18-36, North Carolina
"Good Experience"
-Age 18-36, Oklahoma
"They always have a representive that could answer my questions fast and easy"
-Age 18-36, Tennessee
"I have never had any issues with my health insurance provider. My preferred doctors were in the same network as my insurance, so I have nothing negative to say about it!"
-Age 18-36, Tennessee
"Low deductible with a fair price."
-Age 18-36, Tennessee
"Good qualities"
-Age 18-36, Texas
"It was one of 2 that my employer offers and it seemed to have the best coverage for my needs"
-Age 37-52, Arizona
"They meet my needs and allow me to have the coverage my family needs. Their cost is reasonable and they allow me my choice of doctors within their network"
-Age 37-52, Arkansas
"Cigna is an excellent company for health insurance. It offers what we need for all our medical needs."
-Age 37-52, California
"Satisfecho buen servicio facil atencion en diferentes sitios"
-Age 37-52, California
"Pretty affordable & reasonable"
-Age 37-52, California
"You will find very easy to work with their agents, a comfort that you need during the crunch moments"
-Age 37-52, Colorado
"Well known people. Trustworthy."
-Age 37-52, Connecticut
"Excellent Services"
-Age 37-52, Florida
"Great company. Would recommend."
-Age 37-52, Florida
"Very effective & offers good plans"
-Age 37-52, Florida
"I found them very supportive"
-Age 37-52, Florida
"I have good experiences with this company because this company allows me to use any hospital or medical provider of my own choice."
-Age 37-52, Florida
"Excellent"
-Age 37-52, Florida
"Unique"
-Age 37-52, Florida
"The company is helpful & caring"
-Age 37-52, Florida
"The company offers what I need"
-Age 37-52, Florida
"Overall I'm very satisfied with this company"
-Age 37-52, Florida
"Satisfactory Services by the Company"
-Age 37-52, Florida
"Good Experience"
-Age 37-52, Florida
"Very Good & Original"
-Age 37-52, Florida
"I have good experience with this company because this company offers me both medical and dental plans to suit my situation."
-Age 37-52, Georgia
"The company is comparitively certain than others"
-Age 37-52, Georgia
"They really care about its customers."
-Age 37-52, Georgia
"Awesome"
-Age 37-52, Illinois
"Company services are available when required by its customers.Their premium are reasonable and with in the budget."
-Age 37-52, Illinois
"The company is comparitively certain than others"
-Age 37-52, Illinois
"A trustworthy company, it's easy to work with"
-Age 37-52, Indiana
"Claim process was very fast. No waiting time at all."
-Age 37-52, Indiana
"Good customer services"
-Age 37-52, Indiana
"I have good experience because this company provides me best dental care insurance."
-Age 37-52, Indiana
"This company is excellent as it provides us immunity from the sickness, injury and other health problems thus secures our health and life."
-Age 37-52, Indiana
"Efficient in handling client's concern"
-Age 37-52, Maryland
"They are affordable, and process fast for insurance coverage.They are available to answer any questions and issues that you might have."
-Age 37-52, Maryland
"They are courteous and helpful."
-Age 37-52, Maryland
"They are good"
-Age 37-52, Missouri
"Impressed by their approach to handle the issues"
-Age 37-52, South Carolina
"Out of pocket cost is very affordable"
-Age 37-52, South Carolina
"Straight forward and very reliable"
-Age 37-52, South Carolina
"Excellent coverage and customer service."
-Age 37-52, Tennessee
"Low copay"
-Age 37-52, Texas
"Safe and secure, would like to renew in future."
-Age 37-52, Texas
"Company somehow manage to give me the best services and take feedback from me and keeps on improving"
-Age 53+, Arkansas
"Good company to deal with"
-Age 53+, Arkansas
"Reasonable"
-Age 53+, Arkansas
"Exclusive service with reasonable price. They keep me updated about the policy benefits"
-Age 53+, California
"It is a good company that provides my claims fast"
-Age 53+, California
"Good coverage with decent copays"
-Age 53+, Connecticut
"Overall Good Recommendation"
-Age 53+, Florida
"Decent Prices"
-Age 53+, Maryland
"It fits my budget"
-Age 53+, Missouri
"Good customer service"
-Age 53+, New Jersey
"Cigna is the best health INS company I ever dealt with. Customer service is great and they are quick when it comes to paying benefits, preauthorization of treatments, etc."
-Age 53+, North Carolina
"Great customer service, reliable company & affordable rRates"
-Age 53+, North Carolina
"Not able to say good experience as they don't care much about their new customer"
-Age 18-36, Arkansas
"My experiences with this company have been somewhat alright"
-Age 18-36, Arkansas
"It is frustrating with the services. I would change to other provider"
-Age 18-36, California
"The company I use is well known to a large part of the inhabitants"
-Age 18-36, California
"It's alright, not special"
-Age 18-36, Georgia
"They are better than others but health insurance is evil."
-Age 18-36, Kansas
"We just switched insurance providers so I don't have much to say of my current provider just yet"
-Age 18-36, Maryland
"The are not the greatest"
-Age 18-36, Missouri
"I've had to attend a 30 day treatment program in which I paid a $10,000 deductible and TWICE my insurance company stopped authorizing treatment after 14 days, my life depended on this treatment. Even after multiple appeals and basically begging then to let me continue treatment, they refused to let me complete my program."
-Age 18-36, New Jersey
"Anyone can feel free to join"
-Age 18-36, Texas
"Have not really had to use them as of yet."
-Age 37-52, Arizona
"Insurance is just ok coverage, expensive premiums, unable to go to all the doctors I want when I want like I have with other insurance before. Customer service was decent, even when I didn't like the answers, at least I was able to get some."
-Age 37-52, Connecticut
"Just an average company. Not too good, But still okay to use"
-Age 37-52, Connecticut
"Very expensive."
-Age 37-52, Connecticut
"Needs more coverage types and payment types"
-Age 37-52, Texas
"The costs are high and do not cover a lot of your expenses"
-Age 53+, Arizona
"I have a lot of out of pocket expenses. No good"
-Age 53+, California
"We have Cigna, I have been happy with them, but now they are pulling our of our state and I have to deal with Connect for Health Colorado which always screws up our income, taking them weeks, to fix. Been waiting a month for them to fix the current screw up. ugh"
-Age 53+, Colorado
"High deductible and they make mistakes. They won't explain their actions as well"
-Age 53+, Texas