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Individual & Family Health Insurance
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
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
CIGNA was formed in 1982 through the combination of the Connecticut General Corporation and INA Corporation. Today CIGNA's
logo, the Tree of Life, symbolizes the corporation's culture, mission and products.
Like a strong and healthy tree, CIGNA has deep roots. INA was founded in 1792 in Philadelphia after meetings in Independence
Hall. Connecticut General was founded in 1865 in Hartford as a life insurance company. CIGNA's formation in 1982 combined a
leading property-casualty insurer with a leading supplier of life insurance and employee benefits. Over time, CIGNA sharpened its
focus on health care and related benefits. Today, CIGNA has branched out and grown into a health service company and believes
health is intertwined with a sense of well-being and security.
CIGNA HealthCare is one of the largest providers of health care benefits and health services. The organization offers a broad
portfolio of medical, pharmacy and specialty health care products and services. CIGNA HealthCare provides select health advocacy
programs, which often include information and tools to help people gain the full benefit of available health and wellness resources.
CIGNA HealthCare has offerings in all 50 states, the District of Columbia and Puerto Rico.
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