Cigna Vs. UnitedHealthcare

Choosing between United Healthcare and Cigna? Make the process easier by getting your questions answered from an insurance agent. Click to learn more!

FirstQuote Health Staff
Published on
February 16, 2023
Last Updated on
October 6, 2023
Women at a crossroads

Cigna and UnitedHealthcare are two of the leading private health insurance providers in the United States. Both companies offer a wide range of services, from traditional health insurance plans to more comprehensive options such as supplemental and long-term care. They both have nationwide networks of providers, offer a range of coverage options, and boast competitive rates. In addition, they both offer an array of discounts on services like dental care and prescription drugs.

Learning more about these two providers can help you make an informed decision when it comes to your healthcare needs and budget. Comparing policies, coverage levels, prices, and customer service can ensure that you get the best value for your money.

Cigna vs. United Healthcare: Rating and Reputation

Cigna has been providing health insurance for over 200 years and is one of the oldest and most experienced providers in the industry. UnitedHealthcare, on the other hand, has been providing coverage since 1977 and is the largest health insurer in the U.S. Both companies have strong reputations and histories of providing quality coverage to their customers while adapting to an ever-changing health care landscape. Cigna offers an impressive range of plans covering everything, from Medicare Advantage to employer-sponsored policies while UnitedHealthcare boasts a robust network of providers across 50 states.

They both have earned top ratings from leading industry organizations. Cigna has an A+ rating from the Better Business Bureau while UnitedHealthcare holds a B+. The National Committee for Quality Assurance, which evaluates the quality of health insurance plans, has awarded both companies 4 out of 5 stars for their respective Medicare Advantage plans. Both companies also offer robust online tools to help you compare plans, calculate costs, and make informed decisions.

Cigna vs. United Healthcare: Coverage

Cigna has been in the business for over 200 years and offers an impressive selection of options from Affordable Care Act policies to Medicare Advantage plans. Meanwhile, UnitedHealthcare provides equally comprehensive coverage that is available in all 50 states and features a network of trusted providers.

What Coverage Does Cigna Offer That United Healthcare Doesn’t?

Cigna offers a wealth of coverage options that go beyond what is provided by UnitedHealthcare. For example, Cigna provides dental, vision, and hearing plans in addition to medical coverage. It also offers international health insurance plans as well as Medicare supplement plans. Beyond these core offerings, Cigna also provides some additional services such as health advocacy, travel assistance, and specialty drug coverage not available through UnitedHealthcare.

Cigna offers competitive pricing and a moderate level of accessibility for customers looking for Medicare Supplement Insurance coverage. While UnitedHealthcare offers a higher level of accessibility, Cigna’s network of providers may be better suited to those who prefer more specialized care. Additionally, Cigna provides unique bonus programs that UnitedHealthcare doesn’t offer, such as discounts on health and wellness services, and vision and dental benefits.

Cigna also offers an online customer portal and mobile app that provide policyholders with the convenience of tracking claims, accessing provider information, and managing their accounts. On top of this, Cigna also has a robust telemedicine feature for customers who need quick medical advice or consultations without having to visit a doctor’s office. This feature is not available through UnitedHealthcare.

What Coverage Does United Healthcare Offer That Cigna Doesn’t?

UnitedHealthcare offers Medicare Advantage plans in all 50 states, as well as the District of Columbia, making it widely more accessible than Cigna’s offerings. Cigna only sells Medicare Advantage plans in 27 states, leaving much of the country unable to benefit from its services. UnitedHealthcare provides comprehensive coverage and access to a large network of providers in nearly every state so there is less need to worry about finding a doctor that may not be included in your plan. Furthermore, many UnitedHealthcare plans include various wellness benefits like gym memberships, hearing checks and other extras to help ensure that customers get the care they need.

UnitedHealthcare offers a range of healthcare plans to meet the needs of individuals, families, and small businesses. Unlike Cigna, UnitedHealthcare provides access to an extensive network of providers including primary care physicians, hospitals, and specialty services. Additionally, they offer a range of healthcare plans that have access to an extensive network of providers, as well as its HealthOptimizer program. This program provides members with personalized guidance on healthy lifestyle choices and access to resources for physical activity, nutrition and stress management. On the other hand, Cigna focuses more on providing Medigap plans which are designed to supplement existing Medicare coverage. Both companies offer great services, however, the type of coverage they provide differs greatly.

Cigna vs. United Healthcare: Medicare Supplement Insurance

Medicare Supplement Insurance (also called Medigap) is a supplemental health insurance plan designed to help pay for the out-of-pocket costs associated with Medicare Part A and Part B. These costs include copayments, deductibles, coinsurance and some other services not covered under traditional Medicare. Medigap plans can offer coverage that helps bridge the “gap” between what Medicare pays and what you owe out of pocket. Many policies may also provide coverage for emergency care while traveling abroad, as well as added protection against the potential costs of skilled nursing facility stays. With Medigap plans, you can get comprehensive coverage that ensures maximum healthcare benefits at an affordable rate.

Comparing Medicare Supplement Insurance from different insurance providers is a good way to determine which plan best suits your needs. The two offer similar coverage, but there are some important differences that need to be taken into consideration. UnitedHealthcare offers more comprehensive coverage than Cigna, including emergency care while traveling abroad and more robust coverage for skilled nursing facility stays. In addition, UnitedHealthcare has a much larger network of providers and resources available to customers compared to Cigna’s smaller pool of offerings. Ultimately, it comes down to personal preference when determining which company provides the right combination of coverage and cost.

Cigna vs. United Healthcare: Accessibility, Cost and Provider Networks

When comparing insurance providers, accessibility, cost and provider networks are three important factors to consider. Accessibility is the first factor on this list because it takes into account how easily a customer can access services and products from either company. Cost is then factored in to determine which company offers the best value for money when it comes to Medicare Supplement Insurance coverage. Finally, considering both companies’ provider networks should be done to make sure that you have access to all of the doctors and medical facilities you may need in the future. Depending on your needs, one of these companies may offer better coverage and more competitive pricing than the other.

Cigna offers moderate access to healthcare, with competitive costs. However, the provider network is limited in comparison to United Healthcare. On the other hand, United Healthcare has higher levels of accessibility and a more expansive provider network; however, their costs can be higher due to the larger number of providers available. Ultimately, it depends on individual needs and preferences when choosing between Cigna and United Healthcare for healthcare coverage.

Get Health Insurance Quotes Through FirstQuote Health

Getting a health insurance quote through FirstQuote Health is a straightforward and efficient process. Whether you are looking for private or group health coverage, FirstQuote Health offers competitive quotes from dozens of different providers. You’ll receive your quotes almost instantly after entering basic information about your medical and financial background. The platform also provides comparison tools that make it easier to decide which plan is best for you.

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