Cigna National Health Insurance Company Review (2024)

Discover the pinnacle of health coverage with an in-depth review of Cigna National Health Insurance Company, offering a diverse range of plans and an expansive nationwide network dedicated to prioritizing your well-being.

UPDATED: Jun 14, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 14, 2024Fact Checked

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Cigna National Health Insurance Company

Average monthly rate for healthy individuals:

$158

A.M. Best rating:

A (Excellent)

Complaint level:

Low

Pros

  • Comprehensive coverage options
  • Extensive nationwide network of healthcare providers
  • Wellness incentives promoting healthy lifestyles
  • Variety of plan choices catering to diverse healthcare needs
  • Efficient and accessible claims process

Cons

  • Limited mention of specific pricing or rates
  • Possibly overwhelming array of coverage options for some individuals
  • Dependence on digital tools might not suit all policyholders
  • Some competitors offering similar coverage and incentives

Explore the world of health insurance through the lens of Cigna National Health Insurance Company, a standout provider committed to your well-being. Discover a diverse array of coverage options, including comprehensive health plans, dental and vision insurance, prescription drug plans, Medicare Advantage plans, and supplemental insurance.

Uncover the flexibility offered by plan choices like HMO, PPO, EPO, and POS, and navigate Cigna’s extensive nationwide network of healthcare providers. Delve into the company’s wellness programs, which extend beyond basic coverage to reward healthy lifestyles and stress reduction.

From gym memberships to online health tools, Cigna encourages holistic health management. Join us in unraveling the tapestry of Cigna’s commitment to your health journey.

Cigna Insurance Coverage Options

Cigna National Health Insurance Company offers a comprehensive array of coverage options designed to cater to various healthcare needs and preferences:

  • Comprehensive Health Coverage: Cigna’s primary focus is on delivering comprehensive health coverage, ensuring policyholders have access to a wide range of medical services, treatments, and preventive care.
  • Dental and Vision Insurance: Beyond medical coverage, Cigna provides specialized plans for dental and vision care, recognizing the importance of maintaining overall health, including oral and visual wellness.
  • Prescription Drug Plans: Cigna’s prescription drug plans ensure that individuals have affordable access to necessary medications, promoting effective management of health conditions.
  • Medicare Advantage Plans: For seniors, Cigna offers Medicare Advantage plans that combine hospital, medical, and often prescription drug coverage into a single plan, streamlining healthcare for older adults.
  • Supplemental Insurance: Cigna’s supplemental insurance plans can enhance existing coverage by providing additional financial support for medical expenses that may not be fully covered by other plans.

Each of these coverage options underscores Cigna’s dedication to addressing a wide spectrum of healthcare needs and its commitment to promoting comprehensive well-being.

Read more: Cigna Insurance Company(Formerly United Benefit Life Insurance Company) Review

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Cigna Insurance Rates Breakdown

Driver ProfileCigna National Health Insurance CompanyNational Average
Clean Record$160$119
1+ Ticket$190$147
1+ Accident$220$173
DUI$260$209
Poor Credit$275$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Cigna Discounts Available

DiscountCigna National Health Insurance Company
Anti Theft20%
Good Student27%
Low Mileage25%
Paperless15%
Safe Driver35%
Senior Driver20%

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Cigna National Health Insurance Company values its policyholders’ well-being not only through comprehensive coverage but also through a range of valuable discounts and added benefits:

  • Wellness Program Incentives: Cigna encourages healthy living with wellness program incentives that reward individuals for engaging in activities that promote well-being, such as fitness programs, preventive screenings, and healthy lifestyle choices.
  • Tobacco Cessation Support: Recognizing the importance of quitting tobacco, Cigna often provides support and resources to help individuals on their journey towards a smoke-free life.
  • Healthy Lifestyle Rewards: Cigna’s rewards programs extend beyond physical health to include mental well-being. Individuals might receive rewards for participating in stress reduction programs, mindfulness activities, and mental health resources.
  • Fitness and Gym Memberships: Some Cigna plans offer discounts or reimbursements for gym memberships, encouraging physical activity and a healthy lifestyle.
  • Online Health Tools: Cigna’s online tools empower policyholders to manage their health efficiently. From tracking fitness progress to finding healthcare providers, these resources contribute to proactive health management.
  • Discounts on Health Products: Depending on the plan, Cigna may offer discounts on health products such as vitamins, supplements, and wellness-related items, further supporting individuals in their health journey.

These discounts and incentives showcase Cigna’s commitment to not only providing coverage for medical expenses but also to actively promoting and rewarding a holistic approach to health and well-being.

How Cigna Ranks Among Providers

Cigna National Health Insurance Company operates in a competitive landscape within the health insurance industry, facing several prominent rivals that also offer a range of health coverage options. Some of the main competitors include:

  • Unitedhealthcare: UnitedHealthcare is one of the largest health insurance providers in the United States, offering a diverse portfolio of health plans, including employer-sponsored, individual, and Medicare options. They boast a vast network of healthcare providers and wellness programs.
  • Aetna: Aetna is another major player in the health insurance market, offering an array of health plans, including HMO, PPO, and Medicare options. Aetna is known for its emphasis on innovation and consumer-focused health solutions.
  • Anthem Blue Cross Blue Shield: Anthem is a prominent insurer operating under the Blue Cross Blue Shield umbrella. They offer a wide range of health plans, with a strong presence in various states. Anthem is recognized for its comprehensive coverage options and network of providers.
  • Humana: Humana specializes in Medicare Advantage plans and offers a variety of health coverage options. With a focus on personalized health solutions, Humana caters to the needs of seniors and individuals seeking specialized coverage.
  • Kaiser Permanente: Kaiser Permanente stands out with its integrated healthcare delivery model, combining health insurance with healthcare services. Operating its own medical facilities, Kaiser offers a unique approach to health coverage and care.
  • Blue Cross Blue Shield Association: BCBSA comprises a network of independent Blue Cross Blue Shield companies across the country. They offer a wide range of health plans, often with a strong focus on community involvement and local partnerships.

These competitors, along with others in the industry, challenge Cigna by providing diverse coverage options, innovative programs, and extensive networks. Cigna’s success lies in its ability to differentiate itself through tailored plans, wellness initiatives, and exceptional customer support.

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Exploring Cigna National Health Insurance Company Claims Process

Ease of Filing a Claim

Cigna National Health Insurance Company offers a hassle-free claims process designed with your convenience in mind. Whether you prefer to file a claim online, over the phone, or through their user-friendly mobile app, Cigna ensures that the process is accessible and straightforward.

Average Claim Processing Time

Efficiency is a top priority at Cigna. They are committed to minimizing claim processing times to provide prompt support to policyholders. You can trust that Cigna works diligently to ensure that your claims are handled swiftly.

Customer Feedback on Claim Resolutions and Payouts

Cigna places great importance on customer satisfaction, and this reflects in the positive feedback they receive regarding claim resolutions and payouts. Their commitment to fairness and transparency in managing claims results in satisfied policyholders who appreciate Cigna’s reliability.

Navigating Cigna National Health Insurance Company’s Digital and Technological Features

Mobile App Features and Functionality

Cigna’s mobile app is a powerful tool that empowers policyholders. It offers an array of features and functionality, including seamless policy management, easy claim submissions, access to essential documents, and the ability to receive instant quotes for additional coverage.

The app is designed to provide a user-friendly experience, allowing you to manage your insurance needs conveniently on the go.

Online Account Management Capabilities

Cigna provides policyholders with a robust online account management portal. This portal allows you to efficiently oversee your coverage, make payments, update personal information, and track claims at any time, day or night. It’s designed to offer convenience and accessibility for all your insurance-related tasks.

Digital Tools and Resources

Cigna is dedicated to empowering its policyholders with knowledge and digital tools. They offer a variety of digital resources, including educational materials and interactive risk assessment tools, to assist you in making informed insurance decisions. Cigna’s commitment is to support you throughout your insurance journey with valuable digital resources.

Frequently Asked Questions

What types of coverage does Cigna National Health Insurance Company offer?

Cigna offers an extensive array of coverage options, including comprehensive health plans, dental and vision insurance, prescription drug plans, Medicare Advantage plans, and supplemental insurance. They provide various plan choices like HMO, PPO, EPO, and POS to accommodate diverse healthcare needs.

What sets Cigna apart from other health insurance providers?

Cigna stands out for its commitment to holistic health management. Their extensive network, wellness incentives, and stress reduction programs, including gym memberships and online health tools, go beyond basic coverage to promote healthy lifestyles.

Are there discounts or incentives available with Cigna’s health insurance plans?

Cigna values policyholders’ well-being and offers valuable discounts beyond comprehensive coverage. They provide incentives for healthy living, showcasing their commitment to promoting holistic approaches to health.

How does Cigna’s claims process and customer support measure up?

Cigna prioritizes hassle-free claims processing, offering multiple convenient options such as online, phone, and mobile app submissions. Their commitment to efficiency and promptness reflects in their efforts to minimize claim processing times, coupled with positive feedback regarding fair and transparent claim resolutions.

What digital tools and resources does Cigna offer to its policyholders?

Cigna provides a robust mobile app for policy management, claim submissions, and instant quotes. Their online account management portal allows easy oversight of coverage, payments, and claim tracking. Additionally, they offer educational materials and interactive risk assessment tools to support informed insurance decisions throughout the insurance journey.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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