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Cigna Health Insurance

Cigna health insurance is a one of the most reputable companies that provides a range of policies across 12 states. The company provides a range of healthcare plans that cover major medical needs in line with the Affordable Care Act. It also provides dental insurance and global coverage plans. While its insurance plans can be used anywhere across the United States, they are available only in 12 states.

 

Cigna health insurance Company History and Mission

 

Cigna health insurance roots can be traced back over 200 years, but it first got into the limelight in 1982 when its parent company, Insurance Company of North America (INA) merged with Connecticut General Life Insurance (CG). Ever since then, the company has become a global leader in health services with a focus on assisting ordinary people improve their well-being, sense of security and health. Even before the merge, both INA and CG had been leaders in the insurance industry throughout their history. Get to know more about Cignal by submitting a free health insurance quote.

cigna health insurance

Cigna has continued to inject new products into the mainstream in order to meet the specific needs of every person and has steadily expanded around the world through strategic partnerships. It holds a very high level of corporate responsibility and is one of the very few insurance companies known to have paid claims in full after the 1871 Chicago Fire and the 1906 San Francisco earthquake fires.

 

By 1989, Cigna health insurance had grown into a large company capable of providing international health services and has been expanding ever since. The company celebrated its bicentennial in 1992 by adopting its well known “Tree of Life” symbol and incorporating a new pharmaceutical plan in to the scheme of things. Cigna has received numerous awards for the exceptional leadership efforts and services it has showcased over time. It has moved away from being an employer-based insurance company to an individual-focused health insurance company by making massive improvements in its services and investing in customer understanding and satisfaction.

 

Products and services

 

Cigna focuses on providing health insurance, life insurance, and dental insurance policies besides a range of other coverage options. Others include Medicare prescriptions (Part D) drug plans and Medicare Advantage for seniors. The individual and family health coverage plans offered are known to be comprehensive, simple-to-use and cost-effective. The company's Open Access plans make it possible to select an in-network provider and to receive care from a provider that is not a part of the network.

 

Individual Plans

 

Cigna health insurance offers a wide range of plans and services focused on promoting individual customer's health and well-being. The Choice Fund, for instance, is a high-deductible plan offering many options including Flexible Spending Account, Health Savings Account, and Health Reimbursement Arrangement. The company offers three levels of health coverage for personal plans: A silver plan with an overall annual benefit of $1,000,000, a gold plan with a $2,000,000 annual benefit, and a platinum choice worth $3,000,000.

 

One of the best things about their individual coverage plans is that after you purchase it, you can take it with you wherever you live or work. It is vital that you find a good insurance coverage for you and your family—one that does not restrict your movement or limits a family member's ambitions to chase his/her dreams. With this coverage, you will have that when you need it, wherever you go.

 

Employer Plans

 

Cigna offers employer health coverage plans designed to benefit both the employer and the employee. These plans cater for preventive care, inpatient and outpatient services, emergency and urgent care services, mental health, dental, prescription drugs, and other health care services. The company provides wide-ranging coverage options that serve its members both locally and internationally, most of them coming with integrated benefits solutions that are tailored to meet the business' specific requirements. The scope of these coverage plans presents employers with the flexibility and convenience to offer greater options and support to their employees, hence promoting planning and growth.

 health insurance quote

Whenever you are shopping for the ideal insurance coverage, insurance experts recommend that you take time to compare quotes from different providers. This is particularly important when you are looking for long-term insurance coverage for you and your family, and would like to find one that perfectly meets the health requirements of your family. All ways keep in mind that there is more to insurance plans than just their pricing.