Cigna Health Insurance Health Insurance Review | Affordable Health Insurance

Financial Strength: 4.5/5

Cigna’s financial strength score indicates its ability to pay claims its policyholders file over the long term. It is based on A.M. Best’s financial strength rating. Cigna’s A.M. Best rating of A indicates it has sizable assets and reserves, meaning it can easily settle claims, even if many customers file claims simultaneously.

Customer Satisfaction: 4.4/5

It’s inevitable that large health insurance providers such as Cigna occasionally field customer complaints. Our customer satisfaction rating is based on three third-party agencies: the BBB, the NCQA, and Consumer Affairs.

Cigna has an A- rating with the BBB. In the last three years, Cigna has closed more than 500 customer complaints. The majority of these complaints were related to denied claims, followed by problems with billing and collections.

The NCQA rates Cigna plans as mid- to high-performing. Most plans are rated between 2.5 and 3.5 for customer satisfaction, prevention, and treatment, indicating customers are reasonably satisfied with the service they receive.

Consumer Affairs rates Cigna at 3.6/5. This rating is based on nearly 300 customer reviews. The majority of these are 4-star reviews, with many customers noting that claims are paid out promptly, and there are numerous provider choices.

Value: 4/5

Cigna’s value rating is based on how the company’s health insurance policies compare to policies at the same price points from competing companies. It weighs factors such as monthly premiums, annual deductibles, the cost to see a doctor or specialist, how much it costs to get emergency and urgent care, and how well the policy covers senior care. Seeing how Cigna’s value score compares to the competition can help you get the most for your money.

Coverage: 4/5

Regardless of how good a health insurance policy is, if its coverage is limited and you’re unable to use it efficiently, then it’s not a good fit for you. Cigna’s coverage score is based on a range of factors, such as how many policy types are available, in how many states the company sells plans, and how large the provider network is.