Health Insurance

Cigna Health Insurance Review: Inexpensive Individual Insurance

Cigna has limited availability, but in states where it is available, policies are more affordable than those from other insurers.

Good for

  • Cheap individual health insurance
  • Large variety of provider network choices

Bad for

  • Availability (can only be purchased in select states)
  • Customer service
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Cigna has limited availability, but in states where it is available, policies are more affordable than those from other insurers.

Good for

  • Cheap individual health insurance
  • Large variety of provider network choices

Bad for

  • Availability (can only be purchased in select states)
  • Customer service
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Cigna offers health insurance, Medicare and dental insurance for individuals and families. If you are looking for cheap individual health insurance then Cigna would be a good option to consider. However, the health insurance company does have below average reviews and customer complaints. Policyholders will have access to their health insurance or dental plans online through the Cigna website.

Cigna health insurance plans and options

Cigna currently has individual and Medicare health insurance plans for purchase, along with stand-alone dental and vision policies. Unfortunately, the company only sells such policies in these 15 states:

  • Arizona
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Mississippi
  • Missouri
  • New Jersey
  • North Carolina
  • South Carolina
  • Tennessee
  • Texas

Cigna individual health insurance

Cigna individual health insurance is available for purchase on your state health insurance marketplace. Consumers can purchase individual policies if they can't receive health insurance through an employer or through a state or federal program such as Medicare or Medicaid.

Cigna currently offers four tiers of individual coverage that vary in cost, deductibles and coinsurance benefits. Below is an overview of each metal tier plan offered and the monthly premium for different age groups.

Metal tierPlan nameAge 21Age 40Age 60
BronzeCigna Connect 7150$268$344$730
Expanded BronzeCigna Connect 5500$286$365$775
SilverCigna Connect 2800$342$438$929
GoldCigna Connect 1000$357$456$968
Average monthly health insurance premiums shown are for applicants living in Illinois.

Because Cigna's individual insurance plans are available on the marketplace, you may only purchase them during your state's open enrollment period or if you have an exemption that creates a special enrollment period (SEP).

As you can see in the graph below, Cigna individual health insurance plans are some of the cheapest available on state exchanges across all age groups when compared with similar policies from competitors.

Cigna health insurance quotes

Medicare Advantage and Medicare Supplement

Cigna offers Medicare Advantage and Medicare Supplement policies to people already enrolled in the Medicare program.

Medicare Advantage combines Medicare Part A and Part B to provide a comprehensive health insurance plan. Furthermore, Medicare Advantage through Cigna will include coverage for dental, vision and prescription drugs.

Advantage policies are broken down into four tiers of coverage:

  • Cigna-HealthSpring True Choice (PPO)
  • Cigna-HealthSpring Preferred (HMO)
  • Cigna-HealthSpring Premium (HMO-POS)
  • Cigna-HealthSpring Advantage (HMO)

All Cigna Medicare Advantage plans are free, but they have different deductibles and copays for in-network and out-of-network coverage. This will directly relate to the provider network — HMO, PPO or HMO-POS — for each policy. Therefore, you should carefully review the benefits of each before selecting a plan.

Medicare Supplement plans A, G, N and F are all available for Medicare enrollees through Cigna. However, if you decide to enroll in a Medicare Advantage policy, you cannot also purchase Medicare Supplement coverage.

Cigna Medicare Supplement differs from other supplement providers in that they offer a household premium discount. This means if multiple people within a household are enrolled in the same Medicare Supplement policy, then they all would be eligible for a discount on their monthly premiums.

Cigna dental insurance

Cigna dental insurance plans can be purchased in conjunction with your health insurance or on a stand-alone basis. Dental policies will be available in three tiers of coverage and will vary in premiums as well as deductibles:

Plan nameMonthly per-person premiumPreventive careRestorative careOrthodontiaDeductible
Cigna Dental Preventive$19$0 copayNot coveredNot coveredNone
Cigna Dental 1000$30$0 copayCovered up to $1,000Not covered$50
Cigna Dental 1500$35$0 copayCovered up to $1,500Covered up to $1,000$50

Notice that the Cigna Dental 1500 plan is the only policy to provide coverage for restorative services such as root canals, crowns and dentures. All Cigna dental insurance plans will have the same provider networks, meaning you will not gain access to a special doctor by selecting a higher level plan.

Members benefits and resources

Cigna policyholders can take advantage of some additional benefits, including the online portal and mobile app. Policyholders can use these tools to monitor their claims, view their Cigna health ID cards and find in-network doctors. Cigna enrollees can also sign up for recurring medication delivery. Pharmacists are on-call to answer questions and fill prescriptions 24/7.

Financial strength and customer reviews

Cigna receives below-average reviews when compared to its competitors. Overall, customers say the provider network is insufficient and the customer service is poor when it comes to managing claims. The company's Complaint Index, measured by the National Association of Insurance Commissioners (NAIC), is 1.04. That means the company has received slightly more complaints than expected for a company of its size.

Some good news: Cigna is financially stable, which is reflected in its A.M. Best Financial Strength Rating and Standard & Poor's rating. Cigna receives a rating of A from both companies.

Sterling Price

Sterling Price is a research analyst at ValuePenguin specializing in health and life insurance. He graduated from Syracuse University with a bachelors degree in Finance and Accounting and has previous experience as a licensed life insurance representative.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

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