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CIGNA Health Insurance Company

The CIGNA Health Insurance Company has been in business for more than 125 years. If you are looking for health insurance, a company like CIGNA can offer you a number of types of coverage to suit your needs and your budget. A corporation with a lengthy record of service to consumers, like CIGNA Health, is an insurance company worth considering.

CIGNA Health Insurance Company: Types Of Plans Offered

CIGNA Health Insurance Company offers the following types of coverage to consumers:

  1. Medical

  2. Accident

  3. Prescription Medications

  4. Vision

  5. Dental

CIGNA Heath Insurance Company also offers behavioral health benefits coverage and employee assistance programs to provide for workers' mental health needs.

CIGNA Health Insurance Company: Medical Insurance Plans

CIGNA offers a number of options for medical insurance plans:

CIGNA Health Savings Accounts (HSA)

An HSA account is a good idea for people who want to be able to control where their healthcare dollars are being spent. The insured opens an HSA and deposits funds into the account. The money grows tax-free until it is withdrawn.

No tax is payable on the money withdrawn from the HSA if it is being used to purchase approved healthcare services. By choosing an HSA, you can visit the doctor of your choice, without needing to consider whether that medical practitioner is part of your network.

CIGNA Health Maintenance Organization (HMO) Plans

With an HMO plan, members will choose a Primary Care Physician (PCP) who will be the main provider for their healthcare needs. Election of a PCP is done when you enroll in the plan. Your PCP will be responsible for making referrals to specialists, if necessary.

If an emergency arises, a person with an HMO Plan may be able to get approval to consult with doctors or visit hospitals that are not participants in the network of healthcare providers.

CIGNA also offers an HMO Plan with the flexibility to access a network of healthcare providers that extends across the United States. Choosing a PCP is not required, although is suggested. Selecting this plan means that you are free to visit the participating physician of your choice at any time. No referrals are required before seeing a specialist who is a member of the network.

CIGNA Open-Access Plus In-Network Plans

With this health insurance option from CIGNA, you would be able to select a primary-care physician and have that person be your main service provider. He or she would be able to refer you to a specialist, if necessary. You have the option of consulting with a specialist within the network without having to get a referral in advance.

While you can see any doctor you choose, you are only covered for visits with physicians within the network. In an emergency, you are covered no matter which hospital you visit for treatment.

CIGNA Preferred Provider Organization (PPO) Plans

This type of plan allows the insured person to visit any doctor he or she chooses. You are not required to choose a primary care physician or get a referral before consulting with a specialist. Visits to the Emergency Room are also covered under the plan. Coverage from in-network providers, however is covered at a higher rate than for out-of-network providers.

CIGNA Indemnity Plans

For people who want (or need) flexibility in their healthcare plan, the CIGNA Indemnity Plan is a good choice. Under this option, you can visit the doctor of your choice and don't need to get a referral before seeing a specialist. You also have the flexibility to seek treatment at the hospital of your choice, if this type of care is needed.

CIGNA Health Insurance Company: Accident Coverage

Choosing CIGNA accident coverage makes a lot of sense, since accidents are the leading cause of death for people under the age of 40 who live in the United States. For all age groups, accidents are ranked #5 on the list of leading causes of death.

Accident insurance pays benefits after a person has been injured or killed in an accident. The money can be used to pay bills and debts or for any other purpose. Buying accident insurance makes sense because life insurance only pays out if the insured person dies; if you were injured in an accident, would you still be able to pay your monthly expenses?

Workers' Compensation and disability insurance coverage only apply in certain circumstances, and it's a smart move to put insurance in place such as accident insurance that will fill in the gaps left by these other options.

CIGNA Health Insurance Company: Prescription Drug Coverage

CIGNA offers coverage for prescription medications. Under the CIGNA Managed Pharmacy program, members can have prescriptions filled at one of over 57,000 participating pharmacies nationwide. Orders for prescriptions can also be placed by phone for convenient delivery to your home.

CIGNA will keep you informed about which medications are covered by your plan and which ones are excluded. If a particular type of medication is not covered, you will be told the reason why. (In some cases, you will need to get approval from the insurer before coverage for a particular medication will be given.) You will also be given alternatives to choosing brand name medications, such as taking a generic drug instead or seeking alternate treatment options.

There is a three tiered level of coverage for prescription drugs, the lowest price is for generic drugs, the mid-level price is for brand-name drug which are considered necessary, and in many cases do not have a generic match. The highest cost for covered prescriptions are for non-vital medications which are name brand, such as certain creams for skin conditions.

CIGNA Health Insurance Company: Vision Coverage

The CIGNA Health Insurance Company offers multiple options for vision coverage:

CIGNA Vision Service Plan (VSP)

If you are enrolled in a CIGNA HMO or POS plan, you can add the VSP to your coverage. Eye exams are covered and your benefits may also include the cost of eyeglasses or corrective contact lenses. Under the VSP, you don't have to fill in any claim forms when you visit a provider who is included in the Plan's network of providers.

CIGNA Vision PPO Plan

Adding CIGNA Vision insurance to your PPO Plan gives you the freedom to consult with eye practitioners from inside and outside your network.

CIGNA Indemnity Vision Care Plan

When you want vision coverage with no network restrictions, CIGNA Indemnity Coverage is the plan you should be considering. Eye exams are covered, and the cost of eyeglasses and corrective contact lenses may be covered under the Plan.

CIGNA Health Insurance Company: Dental Health Insurance Coverage

CIGNA offers dental coverage that can be combined with a PPO or HMO Plan. In addition, CIGNA offers a traditional dental coverage plan that gives subscribers the option of visiting the dentist or dental care specialist of their choice. A dental checkup and preventive services are provided at no extra charge or at a low cost for dental plan members. The insurer knows that paying a small amount for preventive care makes sense: for every dollar spent for regular oral health care, you save anywhere between $8.00 and $50.00 on emergency care or restorative treatments.

With the traditional dental care plan, you don't have to worry about provider networks. Instead, you are free to visit the dental professional of your choice. After the visit, you will be asked to submit an insurance claim form to be reimbursed for the cost of your dental care. Assuming you have reached your annual deductible, the company will send you a check to reimburse you for your dental costs (up to the annual policy limit of coverage).

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By using the health insurance tool at the top of this page, you can get a quote from top companies like CIGNA, BCBS, United Healthcare, Avalon, United American, Fortis, WellPoint, Humana and others right now! Get started with a free health insurance company comparison now!