Cigna Health and Life Insurance Company Review (2024)
Explore the comprehensive offerings of Cigna Health and Life Insurance Company in this review, revealing tailored health and life coverage options and a steadfast commitment to customer well-being.
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: Apr 23, 2024
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: Apr 23, 2024
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.
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Cigna Health and Life Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
AComplaint Level:
LowPros
- Comprehensive range of insurance options
- Strong financial stability
- Extensive network of healthcare providers
- Customer-centric approach
- Diverse coverage for different needs
Cons
- Premiums can be higher for certain policies
- Limited availability in some regions
- Policy customization options may vary
Explore Cigna Health and Life Insurance’s comprehensive coverage solutions. From health and life insurance options like medical, dental, and vision coverage to their dedication to well-being, this article offers an in-depth view. Discover their strengths, customer focus, and industry standing as we simplify complex choices in a reader-friendly tone.
What You Should Know About Cigna
Company Contact Information
- Contact Cigna Customer Service: 1 (800) 997-1654
- Company Address: 900 Cottage Grove Road, Bloomfield, CT 06002
- USA Website: www.cigna.com
Parent or Child Companies
- Cigna’s parent company is Cigna Corporation. Cigna Corporation is a prominent multinational health services organization that operates in the insurance and healthcare sectors.
Financial Ratings
- Cigna Health and Life Insurance Company had generally strong financial ratings from major credit rating agencies. Some of the major credit rating agencies include Moody’s, Standard & Poor’s (S&P), and Fitch Ratings.
Claims Information
- Cigna typically provides information about how to file claims on their official website. Claims processes can vary depending on the type of insurance and the specific policy. It’s recommended to refer to Cigna’s official resources or contact their customer service for accurate and up-to-date claims information.
Company Apps
- Cigna might offer mobile apps designed to help users manage their health and insurance-related needs. These apps can provide features like virtual ID cards, claims tracking, provider searches, and wellness resources.
- You can check app stores like Apple App Store and Google Play Store for the latest Cigna apps available for download.
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Cigna Insurance Coverage Options
Discover the breadth of coverage options available through Cigna Health and Life Insurance Company. From essential health protection to specialized plans, explore a range of comprehensive insurance offerings tailored to meet diverse needs and circumstances.
- Health Insurance: Comprehensive medical coverage for individuals and families.
- Dental Insurance: Plans to cover dental procedures and treatments.
- Vision Insurance: Coverage for eye exams, glasses, and contact lenses.
- Life Insurance: Protection for loved ones in the event of the policyholder’s passing.
- Disability Insurance: Income protection if unable to work due to disability.
- Accident Insurance: Financial support for medical expenses after an accident.
- Critical Illness Insurance: Lump sum payment upon diagnosis of a covered critical illness.
- Supplemental Insurance: Additional coverage to enhance existing policies.
- Medicare Plans: Plans designed for seniors to cover medical costs.
- International Health Insurance: Coverage for individuals living or traveling abroad.
Embrace the peace of mind that comes with personalized coverage solutions from Cigna Health and Life Insurance. With a commitment to your well-being, their array of insurance options stands ready to safeguard your health, provide financial security, and ensure you’re covered through life’s diverse situations.
Read more: Cigna Insurance Company(Formerly United Benefit Life Insurance Company) Review
Cigna Insurance Rates Breakdown
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| Driver Profile | Cigna Health and Life Insurance Company | National Average |
|---|---|---|
| Clean Record | $130 | $119 |
| 1+ Ticket | $160 | $147 |
| 1+ Accident | $190 | $173 |
| DUI | $230 | $209 |
| Poor Credit | $224 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Cigna Discounts Available
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| Discount | Cigna Health and Life Insurance Company |
|---|---|
| Anti Theft | 15% |
| Good Student | 25% |
| Low Mileage | 20% |
| Paperless | 10% |
| Safe Driver | 30% |
| Senior Driver | 15% |
Unlock potential savings and maximize your insurance benefits with the array of discounts offered by Cigna Health and Life Insurance Company. Delve into various incentives designed to reward healthy living, responsible choices, and comprehensive coverage.
- Multi-Policy Discount: Save when bundling multiple insurance policies with Cigna.
- Healthy Lifestyle Discount: Enjoy reduced rates for maintaining a healthy lifestyle.
- Safe Driver Discount: Lower premiums for policyholders with a safe driving record.
- Loyalty Discount: Long-standing customers may receive discounted rates.
- Family Discount: Discounts for insuring multiple family members.
- Employer Group Discount: Employees of certain organizations may be eligible for discounts.
- Payment Discount: Receive a discount for paying premiums through automatic deductions.
- Non-Smoker Discount: Lower rates for policyholders who are non-smokers.
- Student Discount: Students with good grades may qualify for reduced rates.
- Annual Renewal Discount: Enjoy a discount upon renewing your policy with Cigna.
Experience the rewards of smart insurance choices with Cigna Health and Life Insurance. Their diverse range of discounts rewards prudent decisions, ensuring that your insurance not only protects but also offers cost-effective solutions tailored to your lifestyle and needs.
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How Cigna Ranks Among Providers
Explore the dynamic landscape of health and life insurance providers, where Cigna Health and Life Insurance stands among its prominent competitors. Discover how these industry leaders offer diverse coverage options and innovative solutions to meet the ever-evolving needs of insurance consumers.
- Unitedhealth Group: A prominent healthcare and insurance provider offering a wide range of health coverage options and services.
- Aetna: Known for its diverse health insurance plans, Aetna provides comprehensive coverage for individuals and families.
- Anthem Blue Cross Blue Shield: Offers health insurance plans across various states, catering to different healthcare needs.
- Humana: Specializing in health and wellness solutions, Humana provides health insurance and wellness programs.
- Kaiser Permanente: An integrated healthcare provider offering health plans along with medical services under one umbrella.
Amidst the array of reputable competitors, Cigna Health and Life Insurance stands as a cornerstone of comprehensive coverage solutions. Understanding its place within this competitive landscape illuminates the choices available, empowering individuals to make informed decisions tailored to their unique insurance needs.
Claims Process With Cigna Health and Life Insurance Company
Ease of Filing a Claim
Cigna Health and Life Insurance Company prioritizes a hassle-free claims process for its policyholders. You have multiple options for filing claims, including a convenient online portal, dedicated phone support, and a user-friendly mobile app. We aim to make the claims submission process as effortless and accessible as possible.
Average Claim Processing Time
At Cigna, we understand the importance of timely claim resolutions. Our commitment to efficiency means that we strive to process claims promptly. We work diligently to reduce the time between claim submission and settlement, ensuring our policyholders receive the support they need when it matters most.
Customer Feedback on Claim Resolutions and Payouts
Customer satisfaction is paramount at Cigna Health and Life Insurance Company. Our dedication to transparency and fairness in handling claims reflects in the positive feedback we receive from our policyholders. We take pride in our reputation for reliable and satisfactory claim resolutions and payouts.
Digital and Technological Features by Cigna Health and Life Insurance Company
Mobile App Features and Functionality
Experience the convenience of managing your insurance policies with the Cigna mobile app. Our app offers a range of features, including policy management, easy claim submission, document access, and instant quotes for additional coverage. We’ve designed it to provide a user-friendly platform for efficient policy management on the go.
Online Account Management Capabilities
Cigna Health and Life Insurance Company provides policyholders with a robust online account management portal. Here, you can oversee your coverage, make payments, update your information, and track claims, all at your convenience. Our secure 24/7 online portal is designed to cater to your insurance needs efficiently.
Digital Tools and Resources
Cigna is committed to empowering our policyholders with knowledge and tools. We offer a variety of digital resources to help you make informed insurance decisions. From educational materials to interactive risk assessment tools, our goal is to support you throughout your insurance journey.
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Frequently Asked Questions
Can I purchase multiple types of insurance from Cigna?
Yes, Cigna offers a variety of insurance types that you can customize based on your needs.
How do I find healthcare providers within Cigna’s network?
Cigna’s website provides tools to help you locate in-network doctors, specialists, and healthcare facilities.
What are the benefits of dental insurance beyond routine check-ups?
Cigna’s dental coverage extends to treatments such as fillings, crowns, and orthodontics.
Is vision insurance limited to eyeglasses and contact lenses?
No, Cigna’s vision insurance also covers eye exams and frames, offering comprehensive eye care coverage.
How do I initiate the process of getting a life insurance policy with Cigna?
Reach out to Cigna’s customer service or visit their website to explore the available life insurance options and start the application process.
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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.
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