Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Comparing insurance companies is an important task. Insurance is required to provide a sense of security for you and your family.

When you are comparing insurance companies, be sure to look at every aspect including pricing, coverage limitations and what doctors are included in the network if it is health insurance.

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Two great insurance companies to compare are Amalgamated Life and GIGNA Group. Each has their own set of benefits to consider.

Amalgamated Life

Amalgamated Life is an insurance company that is known for offering high quality insurance and benefits programs for the hard working individual who cannot afford to pay high out-of-pocket costs for their insurance needs.

The company works hard to offer benefits to unions, trust funds and individuals that satisfy their needs without sacrificing access to world-class insurance programs.

There are many insurance programs and benefits that are offered to clients of Amalgamated Life. Many of these programs include both group and individual life insurance coverage, disability coverage, health and pension administration, medical stop-loss insurance, medical management, printing and fulfillment services, benefits communications programs as well as mainframe computer services and support.

Amalgamated Life vs Cigna Life

At Amalgamated Life, understanding the needs of their clients is their top priority. Clients include unions, members, fund administrators, brokers, nonunion members and consultants. The company is dedicated to helping and fully serving the working class and their families.

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Amalgamated Life Insurance Coverage

The company recognizes the importance of protecting the financial well-being of hard working individuals and their families. This is why Amalgamated Life offers a great basic group term life policy that will cover all actively working members. This basic policy offers important features that will keep you and your family protected.

Additional Coverage Options Through Amalgamated Life

These options can be added on top of the basic group term life policy at additional costs.

These extra options make the benefits programs much more attractive to individuals and their families.

  • Dependent Life: This option can be purchased in addition to the basic group policy for an individual’s spouse and children. The spouse of the member can be covered for an amount that is equal to 50% of the coverage amount of the individual up to $100,000. Each child of an individual may be covered up to $4,000 each.
  • Retiree Life Coverage: This coverage may be added by an employer for additional insurance benefits for retirees up to 10% of the active groups’ population. This is in accordance with the retiree benefits of the group. This policy coverage is generally for the individual only and does not include a spouse or children in the coverage.
  • Supplemental Life Coverage: This is a policy that is great to use in conjunction with the group term life insurance coverage because it adds extra financial security and peace of mind. It is available to all members and their dependents, though on a contributory basis.
Amalgamated Life vs Cigna-Group-Insurance

Accidental Death and Dismemberment Coverage (AD&D)

This coverage covers individuals in the event of an accident that involves severe injury, paralysis or death that is accidental on or off of the job. AD&D coverage helps to provide additional financial security for the insured individual and their family. This coverage is available to those that have the group term life policies.

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Medical Stop-Loss Coverage

With Amalgamated Life, an individual can choose to get specific stop-loss coverage or aggregate stop-loss coverage. Specific stop-loss reduces the level of risk that individuals have from claims and comes with benefits such as flexible claims and aggregating deductibles.

With aggregate stop-loss, you receive protection from risk when you anticipate a high level volume of claims.

Disability Coverage Through Amalgamated Life

Amalgamated Life vs Cigna Group Life

At Amalgamated Life, there is the option of both short-term and long-term disability coverage. With short-term coverage, group members will receive income protection for non-work related events that include accidents, illnesses and pregnancies. The benefits are available as either contributory or non-contributory.

With long-term disability, the benefits and duration of the coverage and benefits can be tailored to meet the clients needs. These benefits also include coverage for non-work related events and are also contributory or non-contributory as well.

CIGNA Group

CIGNA Group is a global health insurance company that is dedicated to offering people services to improve not only their health, but their well-being and sense of security as well.

CIGNA offers a wide range of both integrated health care and related services and plans.

These policies and plans are tailored to the needs of each customer, client and partner.

Amalgamated vs Cigna

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CIGNA Medicare Services

CIGNA offers Medicare insurance plans that fit both your needs at affordable prices. There are two Medicare coverage options. The first is Medicare Rx and the other is Medicare Select Plus Rx. Both have their benefits and offer great features.

CIGNA Medicare Rx

Amalgamated vs Cigna InsuranceThis is a prescription drug plan that offers policy holders coverage for their drugs at affordable prices. With this plan you get more for your money with no deductible, lower premiums and no copay for certain generic drugs.

CIGNA Medicare Select Plus Rx

This plan is currently only available in Arizona. This is a Medicare Advantage plan that offers prescription coverage with no deductibles, no monthly premiums and low copays for visits to a doctor.

There are many different health insurance options with CIGNA Group. These include health insurance policies for individuals, students, family plans, self employed, early retirees and for those that are in between jobs. Each of these plans are tailored to meet your needs and your budget.

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Individual Insurance Coverage

These insurance plans are tailored for those that are looking for coverage outside of the workplace sponsored offerings. This can be for those that are not employed or who are self-employed and looking for insurance.

With CIGNA’s Individual Insurance plans you have the freedom to choose the doctors that you want to visit. Your doctor’s visits also require no referrals.

Amalgamated Versus Cigna Insurance

With an Individual Insurance plan, you also have the option for buying dental insurance as well. CIGNA’s dental coverage insurance covers a wide array of services including check-ups, fillings, x-rays and even root canals. You can read the opinion of one dentist on getting this coverage here.

Coverage with the Individual plan also include drug coverage, access to home delivery of prescriptions, online health management, discounts on certain health and wellness programs as well as access to a 24/7 nurse line to answer your health related questions day or night.

CIGNA Family Health Insurance Coverage

With CIGNA’s Family Health Insurance coverage plans you get the same benefits as the individual plans except that coverage includes the individual’s family members as well. There are three different plans to choose from to meet your family’s needs.

  • Open Access Plans- With this plan, you have the option to choose which doctors you want to see in or out of the network. Choosing an in-network doctor will lead to more savings over an out-of-network doctor. There is also no referrals required to see a specialist.
  • Value Plans with Open Access- These plans offer the same choices with doctors as with the Open Access Plans but are available with lower monthly premiums and a higher deductible and a higher out-of-pocket maximum.
  • Amalgamated Insurance Versus Cigna

    Health Savings Plans- This is a high deductible plan which is compatible with the Health Savings Account which will help to pay for current medical bills or to save for future ones. The Harvard Business Review offers an article on Health Savings Accounts here.

Deciding Between Amalgamated Life and GIGNA Group

Deciding between Amalgamated Life and CIGNA Group is a personal decision for you or your business. The decision needs to be compared to the needs and wants of the individual and family or group that will be using the insurance. You will want to choose a policy from a company that meets your needs and that you can afford.

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