Cigna Insurance Company(Formerly United Benefit Life Insurance Company) Review (2024)
Explore the diverse offerings and unwavering commitment to safeguarding well-being with Cigna Insurance Company, a distinguished leader in holistic insurance solutions.
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 Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Comprehensive coverage options
- Wide network of healthcare providers
- User-friendly online services
- Robust financial stability
- Tailored insurance solutions
Cons
- Pricing may reflect premium quality
- Limited information on specific customer reviews or ratings
- Competes in a crowded insurance market with strong competitors
Explore the realm of insurance excellence with Cigna Insurance Company, a distinguished leader in safeguarding health, security, and peace of mind. Embark on a comprehensive journey through the company’s diverse range of offerings, from health and life insurance to dental, vision, and disability coverage.
Delve into the company’s rich history, robust financial stability, and commitment to customization, as you uncover the advantages of their wide network of healthcare providers and user-friendly online services. While Cigna’s pricing may reflect its premium quality, its comprehensive coverage and tailored solutions make it a compelling choice.
As a beacon of trust, Cigna Insurance Company stands resolute, offering not only insurance but a partnership that empowers individuals and families to embrace life with confidence and security.
Cigna Insurance Coverage Options
Cigna Insurance Company presents an expansive array of coverage options that cater to a diverse range of needs, ensuring that individuals and families can secure their well-being with tailored solutions. The company’s coverage offerings include:
- Health Insurance: Cigna’s health insurance plans extend comprehensive coverage, encompassing medical expenses, preventive care, and specialized treatments. With an extensive network of healthcare providers, policyholders have access to quality medical services.
- Life Insurance: Cigna offers life insurance policies designed to provide financial security to loved ones in times of need. These policies can be customized to suit different family dynamics and offer peace of mind through guaranteed financial protection.
- Dental Insurance: Maintaining dental health is vital, and Cigna’s dental insurance plans ensure that policyholders can avail routine check-ups, cleanings, and a range of dental procedures, ensuring bright smiles and optimal oral well-being.
- Vision Insurance: Cigna’s vision insurance coverage addresses optical needs, encompassing eye exams, prescription eyewear, and contact lenses. With this coverage, policyholders can maintain clear vision for enhanced daily experiences.
- Disability Insurance: This coverage safeguards policyholders’ livelihoods in unforeseen circumstances by providing a portion of their income if they become unable to work due to injury or illness.
Cigna’s diverse coverage options underscore its commitment to addressing various aspects of health and security, allowing individuals to select plans that align with their specific requirements.
Read more: Cigna Health and Life Insurance Company Review
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Cigna Insurance Rates Breakdown
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| Driver Profile | Cigna Insurance Company | National Average |
|---|---|---|
| Clean Record | $140 | $119 |
| 1+ Ticket | $170 | $147 |
| 1+ Accident | $200 | $173 |
| DUI | $245 | $209 |
| Poor Credit | $241 | $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 Insurance Company |
|---|---|
| Anti Theft | 15% |
| Good Student | 25% |
| Low Mileage | 20% |
| Paperless | 10% |
| Safe Driver | 30% |
| Senior Driver | 15% |
These discounts are aimed at ensuring that policyholders can secure their well-being without straining their finances. Cigna’s range of discounts includes:
- Multi-Policy Discount: By bundling multiple insurance policies such as health, life, dental, and more, policyholders can enjoy a discount on their overall premiums, making it cost-effective to safeguard various aspects of their lives.
- Healthy Lifestyle Incentives: Cigna rewards healthy choices by providing incentives for policyholders who engage in wellness activities, maintain regular exercise routines, and adopt healthier lifestyles.
- Safe Driver Discount: For policyholders with a clean driving record and a history of safe driving practices, Cigna offers discounts on auto insurance premiums, recognizing and rewarding responsible behavior on the road.
- Family Discount: Families that choose Cigna for their insurance needs can benefit from a family discount, promoting comprehensive coverage for all members while enjoying reduced rates.
- Paperless Billing and Auto-Pay Discount: Opting for paperless billing and setting up automatic payment methods can lead to additional savings on insurance premiums, encouraging convenient and eco-friendly practices.
Cigna’s discounts not only make insurance coverage more accessible but also serve as incentives for policyholders to adopt healthy habits and responsible behaviors. These offerings align with Cigna’s commitment to overall well-being and affordability.
How Cigna Ranks Among Providers
Cigna Insurance Company operates in a highly competitive landscape within the insurance industry, facing several formidable competitors that also provide a range of insurance solutions and services. Some of its main competitors include:
- Unitedhealth Group: As one of the largest healthcare and insurance companies globally, UnitedHealth Group offers a wide spectrum of health insurance options, including individual and employer-based plans. With a substantial network of healthcare providers, UnitedHealth Group competes strongly in the health insurance sector.
- Aetna (a CVS Health company): Aetna offers a diverse portfolio of insurance plans, spanning health, dental, vision, and more. The company’s integration with CVS Health enables it to provide comprehensive healthcare solutions and services, making it a significant contender in the industry.
- Anthem, Inc.: Anthem offers health insurance plans to individuals, families, and employers. With a focus on personalized care and a strong network of healthcare professionals, Anthem competes by providing tailored solutions that cater to various customer needs.
- Humana: Humana specializes in health insurance plans for individuals and families, emphasizing wellness and preventive care. With a range of coverage options and wellness programs, Humana positions itself as a competitor that prioritizes holistic health.
- Kaiser Permanente: Operating as both an insurance provider and a healthcare system, Kaiser Permanente offers integrated care and health plans. Its unique approach to combining insurance and healthcare services sets it apart as a formidable competitor.
These competitors, along with others in the industry, challenge Cigna by offering similar insurance options and customer-focused services. Each company brings its strengths and unique offerings to the table, contributing to a dynamic and competitive insurance market.
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Cigna Insurance Company Claims Process
Ease of Filing a Claim
Cigna Insurance Company offers a streamlined claims process that caters to your convenience. Whether you prefer filing a claim online, over the phone, or through their mobile app, Cigna ensures that the process is user-friendly and accessible.
Average Claim Processing Time
At Cigna, efficiency is a priority. They are committed to minimizing the time it takes to process claims. Their goal is to provide prompt claim resolutions so that policyholders can access the support they need without unnecessary delays.
Customer Feedback on Claim Resolutions and Payouts
Cigna values customer satisfaction and it shows in the positive feedback they receive regarding claim resolutions and payouts. Their commitment to fairness and transparency in handling claims results in satisfied policyholders who trust in Cigna’s reliability.
Cigna Insurance Company’s Digital and Technological Features
Mobile App Features and Functionality
Cigna’s mobile app is a powerful tool for policyholders. It offers a wide range of features and functionality, including policy management, easy claim submission, access to important documents, and the ability to get instant quotes for additional coverage. The app is designed to provide a seamless and user-friendly experience for managing your insurance needs 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 your personal information, and track claims 24/7. 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 insurance does Cigna Insurance Company offer?
Cigna Insurance Company provides a diverse range of insurance solutions, including health insurance, life insurance, dental insurance, vision coverage, and disability insurance. These offerings cater to various individual and family needs, ensuring tailored solutions for well-being and security.
How does Cigna Insurance Company compare to its competitors in the insurance market?
Cigna operates within a competitive landscape alongside other notable insurance providers. Its competitors include companies like Aetna, Anthem, and UnitedHealthcare. Each company has its strengths and unique offerings, contributing to a dynamic and competitive insurance market.
What discounts does Cigna Insurance Company offer to policyholders?
Cigna provides discounts aimed at making insurance coverage more accessible and encouraging healthy habits among policyholders. These discounts encompass various aspects, promoting affordability and well-being.
What digital and technological features does Cigna Insurance Company offer to its policyholders?
Cigna offers a robust mobile app with features for policy management, claim submissions, document access, and instant quotes. Additionally, its online account management portal allows for efficient oversight of coverage, payments, and claims tracking. The company also provides digital tools and educational resources to support informed decision-making.
How efficient is the claims process with Cigna Insurance Company?
Cigna is committed to a streamlined and user-friendly claims process, providing multiple channels for filing claims, including online, phone, and mobile app submissions. The company aims for prompt claim resolutions, prioritizing efficiency to ensure policyholders have timely access to support.
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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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