Overview of Cigna Health Insurance Plans 2017
If you’re looking for a health insurance plan that provides comprehensive coverage and benefits, Cigna Health Insurance Plans 2017 might be the perfect solution for you. As one of the biggest health insurance providers in the United States, Cigna offers a wide range of health insurance plans for individuals, families, employers, and retirees. Let’s explore some key insights of Cigna health insurance plans in 2017.
With over 14.2 million customers worldwide, Cigna Health Insurance Plans is a global health services company that operates in more than 30 countries. Cigna’s main objective is to provide affordable healthcare solutions and a seamless experience for their customers, making it easier for them to make informed healthcare decisions. Cigna has a reputation for offering quality health insurance plans, including various preventive care services that are beneficial to their customers’ overall health and financial well-being.
Features of Cigna Health Insurance Plans
Cigna Health Insurance Plans in 2017 offers different types of health insurance policy options that are tailored to meet the needs of every customer. Some of the most popular types of Cigna health insurance plans in 2017 include:
Individual and Family Plans
Individual and Family Plans provided by Cigna cover various medical services, from preventative care such as checkups, immunizations, and screenings, to more complex medical procedures such as surgeries, diagnostic tests, and hospitalizations. These plans also provide prescription medication coverage and mental health benefits.
Medicare Plans
Cigna offers Medicare Advantage and Medicare Supplement plans for seniors who are looking for extra insurance coverage through the Medicare program. These plans are designed to provide additional coverage over and above the standard Medicare benefits, which can be quite limited in some scenarios.
Employer-Sponsored Plans
Cigna employer-sponsored health insurance plans aim to provide wide coverage for employees and their families by providing comprehensive benefits packages and various medical, vision, dental, and disability insurance plans. These plans are customizable to meet the specific needs of various businesses and employee types.
Dental and Vision Plans
Cigna also provides dental and vision benefit plans as standalone or as part of comprehensive health insurance plans. These plans help to cover regular dental checkups, cleanings, and vision exams as well as the cost of lenses, frames, and other vision needs.
Benefits of Cigna Health Insurance Plans
The benefits of Cigna health insurance plans go beyond medical coverage. They also aim to promote the overall wellbeing of their customers through various preventive care services and wellness programs that may include access to health coaching, screenings, and prescriptions. Cigna healthcare plans in 2017 offer numerous benefits such as:
Preventive Care
Cigna Health Insurance Plans 2017 offers customers several preventive care services such as routine checkups, immunizations, and screenings that are essential for maintaining optimal health. Preventive care helps detect and address medical issues before they turn into serious health problems.
Health Coaching
Cigna also provides health coaching services to their members where they assist customers to make healthier lifestyle choices, and set health goals.
Convenient Access
One of the significant benefits of Cigna Health Insurance Plans 2017 is the vast network of healthcare providers that are accessible to their customers. Customers can quickly get access to medical care no matter where they are located.
Cost Savings
Cigna also prioritizes financial wellbeing by offering cost-saving features such as preventive care coverage, wellness programs, and discounts on essential treatments and medications. Cigna’s approach to healthcare focuses on the overall well-being of their customers, which is reflected in the many benefits that they offer in their plans.
Cigna Health Insurance Plans offers a vast range of comprehensive health insurance plans in 2017 that cater to the diverse and unique needs of various customers. The health care plans are designed to provide quality healthcare services, comprehensive benefits, and convenient access to medical treatment. Cigna stresses customer satisfaction by advocating preventive health care and providing access to health and wellness programs to promote physical and mental wellbeing.
Types of Cigna Health Insurance Plans Available in 2017
Cigna Health Insurance offers a variety of insurance plans for individuals, families, employers, and Medicare beneficiaries. Each plan has its unique features and benefits that cater to different needs and budgets. Below are the different types of Cigna Health Insurance plans available in 2017:
Individual and Family Plans
Cigna Health Insurance provides comprehensive health coverage for individuals and families, with access to a network of healthcare providers. These plans cover a range of medical expenses, including preventive care, diagnostic tests, hospitalization, surgery, and prescription medications. Some of the popular individual and family plans offered by Cigna in 2017 include:
- Cigna Connect: This plan offers affordable coverage with a wide range of providers, including telehealth options. It includes prescription drug coverage and mental health benefits.
- Cigna SureFit: This plan offers customizable coverage options that allow you to choose your deductibles, copays, and coinsurance. It includes prescription drug coverage and health and wellness programs.
Medicare Plans
Cigna offers Medicare Advantage plans and Medicare supplement plans (Medigap) that provide additional coverage to Medicare beneficiaries. Medicare Advantage plans combine Medicare Part A and Part B benefits while also offering prescription drug coverage, vision, and dental coverage. Medigap plans are designed to help pay for the out-of-pocket costs that are not covered by Original Medicare. Some of the popular Medicare plans offered by Cigna in 2017 include:
- Cigna-HealthSpring Advantage (HMO): This plan offers comprehensive medical, prescription drug, and vision coverage, with low or no monthly premiums.
- Cigna-HealthSpring Preferred (HMO-POS): This plan offers a mix of HMO and PPO plans, giving you more flexibility in choosing your healthcare providers. It includes prescription drug coverage and discounts on hearing aids.
Employer-Sponsored Plans
Cigna offers a variety of employer-sponsored health insurance plans, including high-deductible health plans (HDHP), health savings accounts (HSA), and flexible spending accounts (FSA). These plans are customizable, with different benefit options and cost-sharing arrangements. Some of the popular employer-sponsored plans offered by Cigna in 2017 include:
- Cigna Open Access Plus (OAP): This plan offers access to a broad network of providers and covers a range of medical expenses, including preventive care, outpatient surgery, and prescription medications. It includes a Health Reimbursement Account (HRA).
- Cigna Choice Fund HSA: This plan combines a high-deductible health plan with a health savings account, allowing you to save tax-free dollars to pay for qualifying medical expenses. It includes preventive care coverage and telehealth options.
Dental and Vision Plans
In addition to medical coverage, Cigna also offers standalone dental and vision insurance plans that cover routine care, such as cleanings, check-ups, and eyeglasses. These plans vary in coverage levels and provider networks, and they can be added to existing Cigna medical plans or purchased separately. Some of the popular dental and vision plans offered by Cigna in 2017 include:
- Cigna Dental 1500: This plan covers preventive care, basic and major restorative services, and orthodontics, with no waiting periods. It includes a broad network of dentists.
- Cigna Vision Preferred: This plan covers annual eye exams and eyeglasses or contact lenses, with discounts on additional vision services and products. It includes a large network of eye doctors.
Cigna Health Insurance offers a wide range of insurance plans in 2017 that cater to different needs and budgets. Whether you need individual or family coverage, Medicare plans, employer-sponsored plans, or standalone dental and vision coverage, Cigna has options that can fit your needs.
Coverage and Benefits of Cigna Health Insurance Plans 2017
If you’re looking for health insurance, it’s essential to know what you’re getting. Coverage and benefits offered by insurance companies can vary significantly. Therefore, it’s wise to research an insurer carefully to ensure you’re not left with any surprises.
Cigna health insurance plans offer several benefits and coverage options to meet individual and family health needs. In this section, we’ll cover some critical aspects of Cigna coverage and benefits in 2017.
Hospital Services and Treatment Coverage
Cigna offers medical coverages that include hospitalization for injuries, illnesses, and emergencies. If you require hospital treatment, Cigna plans can cover the cost of hospital admissions, surgeries, and necessary treatments. Besides, Cigna covers therapies such as rehabilitation and medication during the hospital stay.
Prescription Drug Coverage
Most Cigna health insurance plans also include prescription coverage. Members can receive prescription drug coverage either as a standalone plan or as part of other plans. With Cigna, you can expect to get significant discounts on prescription medications. The coverage applies to specific prescriptions and depend on the plan you choose.
Mental Health Treatment Coverage
Mental health is an essential aspect of overall health, and neglecting it can have adverse effects. Cigna’s behavioral health coverage addresses these issues as well. Coverage includes conditions like addiction, depression, and anxiety, among others.
Preventive Care Coverage
Cigna’s coverage includes an emphasis on preventive care. The insurer encourages its members to engage in health check-ups and routine check-ups without incurring additional costs. Check-ups may include routine vaccinations, annual exams, and regular screenings for medical conditions such as cancer.
Emergency Care Coverage
Cigna health insurance plans cover emergency care. Emergency care coverage includes emergency medical transportation and costs of medical treatment for emergency ailments. Therefore, in case of an emergency, you can visit any hospital for treatment without worrying about out-of-pocket expenses.
Women’s Health Coverage
Cigna plans also offer coverage for women’s health. Coverage includes pregnancy, childbirth, mammograms, and other women’s health issues. Additionally, Cigna offers valuable resources for women, such as wellness care, in-network providers, and discounts for specific services.
Cigna has established a robust reputation for providing comprehensive coverage and benefits for its members in 2017. You can expect to receive coverage for preventive care, prescription drugs, and hospital services. Furthermore, Cigna plans account for treatments that address mental health and women’s health. In contrast, the cost for treatment varies based on the specific plan you choose. However, the insurer provides ample resources to help members understand the details of their coverage.
Costs and Fees of Cigna Health Insurance Plans 2017
When it comes to health insurance plans offered by Cigna in 2017, costs and fees are crucial factors that one needs to consider. Understanding costs is essential to make a plan that fits your budget. Let’s take a closer look at the different costs and fees associated with Cigna Health Insurance plans in 2017 and the factors affecting them.
Premiums
Premium is the amount that an individual or their employer pays to the insurance company for the health plan coverage. It is usually paid monthly, but sometimes it can be paid annually. The premiums of Cigna health insurance plans in 2017 vary depending on the plan type, age, location, and tobacco usage of the policyholder. For instance, individual health plans premiums can range between $100 to $1,000 per month depending on the coverage level and other factors.
Deductibles
Deductible is the amount that needs to be paid by the policyholder before the health insurance coverage starts. Cigna health insurance plans in 2017 come with different deductible options. The higher the deductible, the lower the monthly premiums. For instance, for individual health plans in 2017, the deductible range from $500 to $5,000, and for family plans, it can be as high as $10,000. Remember, plans with lower deductibles have higher premiums, whereas plans with higher deductibles have lower premiums.
Copayments and Coinsurance
Copayment is a fixed amount that needs to be paid by the policyholder for each visit to healthcare providers. Coinsurance is the percentage of the cost that the policyholder needs to pay after they have met their deductible. Both copayments and coinsurance vary depending on the policyholder’s choice of plan, service, provider, and location.
For 2017 individual health plans, copayments for primary care visits typically range between $20 to $40, and for specialist visits, it can range between $40 to $75. However, for emergency room visits, copayments can range between $250 to $500. The coinsurance, on the other hand, can range from 10% to 40%, depending on the plan type and the service provided.
Out-of-Pocket Maximums
The out-of-pocket maximum is the total amount that a policyholder needs to pay out of their pocket in a policy year. After meeting the out-of-pocket maximum, the insurance company covers the rest of the cost. For instance, for individual health plans in 2017, the out-of-pocket maximum can range from $6,550 to $7,150, whereas for family health plans, it can be as high as $14,300.
Factors affecting costs
Various factors can affect the costs and fees of Cigna health insurance plans in 2017. For example, the policyholder’s age, location, tobacco usage, and preferred level of coverage can impact their monthly premiums. Additionally, the cost of health insurance also varies depending on whether the policyholder is purchasing an individual plan or a group plan through their employer. Finally, the health status and medical needs of the policyholder and their family members can also impact the cost of health insurance plans.
Cigna health insurance plans in 2017 come with various costs and fees that policyholders need to consider before choosing a plan that fits their budget and healthcare needs. By understanding the different factors that can impact the costs and fees of health insurance, policyholders can make an informed decision and choose a plan that suits them the most.
Network of Providers
Cigna health insurance plans for 2017 have a vast network of healthcare providers who participate in their plans. Cigna offers a variety of plans, including HMO, PPO, and EPO. Depending on the type of plan, the network of providers may differ.
Types of Networks
There are three types of networks that Cigna offers, which include:
Open Access Plus
Open Access Plus is a PPO plan that offers members the flexibility to choose from a network of healthcare providers or use services outside of the network. However, members may have to pay more for services received out of the network.
LocalPlus
LocalPlus is an EPO plan, which only covers the services provided by the in-network healthcare providers. If members receive care outside of the network, they have to pay for the service themselves, unless it is an emergency.
Network HMO
Network HMO is an HMO plan, which requires members to choose a primary care physician (PCP) who will manage their care. If members need to see a specialist, they must first receive a referral from their PCP. In this type of plan, members must receive care from in-network providers for the service to be covered.
Finding a Provider
Cigna offers an online directory of healthcare providers who participate in their plans. Members can search for a provider by entering their ZIP code, plan type, and the type of provider they need. Cigna also provides a mobile app that allows members to find providers, check their coverage, and manage their health benefits.
How Network Affects Cost
Depending on the plan, the cost of care may vary based on whether a member receives care from in-network or out-of-network providers. In-network providers have contracted rates with Cigna, which may result in lower costs for members.
In some cases, if an in-network provider is not available, Cigna may provide coverage for out-of-network services. However, members may have to pay higher deductibles, copays, or coinsurance for these services.
Cigna’s network of providers is extensive and provides members with a variety of options for their healthcare needs. Members can choose from different types of plans, find covered providers, and manage their benefits through their website or mobile app. Understanding the network of providers and how it affects the cost of care is crucial in selecting the right plan for a member’s healthcare needs.
Customer Reviews and Ratings
The satisfaction of existing customers is a crucial factor in choosing an insurance provider. A company that offers excellent coverage but lacks the customer service can be a recipe for disaster. Before deciding on a Cigna health insurance plan in 2017, it is essential to consider what other customers are saying about their experience with the company.
Reviews on Trustpilot
Trustpilot is a leading online review platform that features over 120 million customer reviews of nearly 400,000 companies worldwide. Cigna has a TrustScore of 2.3 out of 5, with the majority of reviews labeled as “Bad.” Most customers cite issues with claims processing, difficulty canceling the plan, and poor customer service.
One Trustpilot reviewer wrote, “I have been a Cigna member for two years, and I would never recommend them to anyone. Their customer service is terrible, and the claims process is even worse. I have had multiple issues where they denied my claims for no apparent reason, and when I called to inquire, they could never give me a clear explanation.”
Reviews on Consumer Affairs
Consumer Affairs is another popular review platform that features over one million reviews of companies in various industries, including insurance. Cigna has a rating of 2.8 out of 5 on Consumer Affairs, with most reviews citing issues with the customer support and billing process.
One Consumer Affairs reviewer stated, “I had Cigna insurance through my employer, and I regret it deeply. Their customer service is terrible and unhelpful. Their billing process is always confusing and never accurate. I have had multiple issues where I had to call them to correct the billing mistake.”
JD Power Ratings
JD Power is a well-known consumer survey company that provides independent ratings of various insurance providers based on customer satisfaction. In 2017, Cigna was ranked third in the national health insurance segment, with a rating of 720 out of 1,000.
According to JD Power, “Cigna performs well in all six factors – coverage and benefits, provider choice, information and communication, claims processing, cost, and customer service – when compared to the national health plan average.”
Better Business Bureau Ratings
The Better Business Bureau is a non-profit organization that collects and reviews customer complaints against companies in various industries. Cigna has a BBB rating of A+, which is the highest rating a company can receive. However, they have a mix of negative and positive reviews on the BBB website.
One BBB reviewer wrote, “I had a terrible experience with Cigna. Their customer service is not helpful, and it feels like they are trying to avoid helping you. I would only consider using them as insurance if there is no other option.”
Choosing the right health insurance plan can be a daunting task. However, by researching online reviews and ratings, you can get a sense of what to expect from a particular insurer. While Cigna has received its fair share of negative reviews regarding customer service and claims processing issues, it has also received positive feedback from J.D. Power and the BBB. As always, it is essential to weigh the pros and cons before making a decision.
Conclusion
In conclusion, Cigna Health Insurance plans 2017 offer a wide range of options for customers seeking health insurance coverage. The overview of Cigna Health Insurance plans highlights the company’s commitment to provide quality affordable healthcare for individuals and families with various plans to choose from based on specific needs.
The types of Cigna health insurance plans available in 2017 cater to different groups such as the elderly, employers, and individuals and families who may require vision and dental coverage. Additionally, Cigna Health Insurance offers coverage and benefits of various medical procedures, treatments, and medications in their plans, which is a priority for any individual seeking health insurance coverage.
Moreover, we have seen that Cigna Health Insurance 2017 plans’ coverage is affordable, but costs and fees vary depending on the type of plan chosen. Information on the premium rates, deductibles, and copayments is readily available to customers for clear understanding.
The network of providers that participate in Cigna Health Insurance plans is vast, extending to over 1 million healthcare providers across the country. You can readily find a healthcare provider that accepts Cigna plans, which reduces the cost of treatment that you may incur, depending on the coverage in your plan.
Lastly, customer reviews and ratings of Cigna health insurance plans in 2017 are positive, with many customers appreciating the company’s exceptional customer service and overall value for money. The company also ranked high in healthcare rankings, demonstrating Cigna’s commitment to providing quality healthcare for its customers.
In conclusion, Cigna Health Insurance plans 2017 is an excellent health insurance provider, with its wide range of affordable plans, broad network of healthcare providers, and overall value for money. With their continuing commitment to providing quality healthcare, Cigna Health Insurance is a reliable partner for your healthcare needs.