Cigna Health Insurance Plans
Whether you’re a Cigna employee, looking for a new health plan, or searching for telehealth insurance, you’ll find a variety of benefits through the company’s plans. Read on to learn more about these plans and their advantages. They offer many advantages, and you’ll be glad you took the time to learn about them. Also, be sure to check out Cigna’s customer service for answers to your questions.
Plans offered by Cigna
You’ll find a wide range of plans offered by Cigna, with deductibles and co-insurance options to suit a wide variety of needs. Higher deductibles will lower premiums, while higher co-insurance amounts will raise out-of-pocket expenses. With monthly, quarterly, and annual payment options, you can pay with a credit card or by bank wire. Cigna health insurance plans come with a wide range of optional modules, such as mental health and family counseling.
Cigna health insurance provides three dental plans in all 50 states, along with accident insurance plans that cover out-of-pocket costs in case of accidents. Some accident insurance plans also provide cash benefits as well as health benefits. And, a critical illness insurance plan provides cash benefits to those who suffer from 15 critical diseases. Cigna offers three plans for the elderly: Gold, Silver, and Platinum. These options come with different benefit limits and monthly premiums.
Customer satisfaction is another important factor to consider. In the Value Penguin report, customers rated Cigna’s health insurance plans based on their financial strength and customer service. The Complaint Index for Cigna is higher than the national average, suggesting that the company receives more complaints than the average. However, it has a good financial rating. Overall, customers rate Cigna’s health insurance plans well.
Plans offered through employers
Cigna health insurance plans offered through employers may offer several perks. For example, these health plans can give their employees access to a nationwide network of medical providers, including emergency services. A variety of Cigna benefits can be found through an employer, including a free online health checkup and a personalized ID card. Most employers offer Cigna benefits for their employees. This can make it easy for them to find a quality doctor. Cigna health plans can also help employees understand how their care will affect them and their family.
Employers can also find Cigna health insurance plans through their own websites. The Simplicity website, for example, offers virtual benefit assistants to help plan participants navigate the process. Cigna health insurance plans offered through employers generally cover companies with twenty-five to ninety employees. Employers can choose between Cigna-provided group insurance plans and self-funded plans for those with fewer than 25 full-time employees.
Plans offered through telehealth provider
If you want to see a specialist without making an appointment, the Cigna health insurance plans offered through a telehealth provider may be the perfect choice for you. These health plans may include in-network specialists that you don’t need a referral for, and they do not have preauthorization requirements. However, out-of-network specialists may require preauthorization. The plan will not cover the costs of any procedures you have to undergo before the provider can begin working with you.
The Cigna Telehealth Connection allows eligible Cigna members to receive virtual care for minor medical problems. The service is available around the clock and includes licensed therapists and physicians. The online chat feature can help you schedule an appointment with a licensed therapist or board-certified doctor at a time and place that work for you. You can even have your prescriptions sent directly to the pharmacy, if you prefer.
The Cigna health insurance plans offered through a telehealth provider will launch next year with larger employers. It will then expand to smaller clients as well, and eventually include fully insured clients. In the meantime, the virtual health plans will be available for the Cigna employee population. These virtual health insurance plans will help employees with a range of medical conditions, from minor illnesses to chronic ailments, and will offer convenient access to medical care from the comfort of their homes.