CIGNA
After years of outstanding customer service and commitment to community, CIGNA has established a reputation as a true Business of Caring®. They strive to improve quality of life not only for their customers but also for the individuals in the communities they serve, as evidenced in not only their service but also their corporate charitable work.
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CIGNA Individual Health Coverage and Options
CIGNA brings this commitment to security and service to its customer service; their coverage options support a wide range of lifestyles and economic levels:
PPO
Members who choose the CIGNA PPO product reserve the right to pick any doctor, without a referral, but who wish to stay primarily within the standard CIGNA Preferred Provider structure. In-network care receives a higher level of benefit reimbursement, and no PCP (Primary Care Physician) is necessary.
HMO
This solution offers access to outstanding health care and security with a reliable cost structure and lower monthly premium. To receive benefits, members must opt for treatment within CIGNA's provider network, and cannot receive any out-of-network benefits.
POS
The POS option offers members a unique freedom to design their own coverage, such that they can decide between in-network and out-of-network care on a per-incident basis. Out-of-pocket costs remain lower when the member seeks in-network treatment, but POS members retain the flexibility to elect providers at will.
Other Options
CIGNA recognizes that every member has a unique need, so they also feature a number of additional products and coverage supplements to fit and support a wide range of lifestyles. The CIGNA ChoiceFund Health Savings Account (HSA), Indemnity option, and Open Access programs are a few of these products, and as consumer need continues to change and grow, so too will their available coverage options.
CIGNA Company Rating
Best's Rating: A-
The financial strength and future outlook of a company are reflected in the ratings above.
CIGNA Office Location
900 Cottage Grove Road
Bloomfield, CT 06002
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