What is Cigna Health Insurance?
What is Cigna Health Insurance?
Cigna Health Insurance is a broad spectrum healthcare coverage provider, and a leader in its industry. Currently, Cigna Health Insurance covers approximately nine million people in the United States, and is ranked as a Fortune 500 Company. In July of 2006, Cigna Health Insurance acquired Star HRG, which was an operating division of HealthMarkets, Inc. The company offers voluntary, limited benefit, and low-cost health coverage and employee benefits for hourly and part-time workers and their families.
Types of Coverage Provided by Cigna
Cigna Health Insurance provides medical benefits, dental coverage, behavioral health coverage, prescription drug coverage. Recently, they have expanded their voluntary product portfolio to help cover the distance from limited benefit plans and traditional major medical plans. This allows employers to offer Fundamental Care, which is a more all-encompassing limited-benefit plan. This allows employees who are ineligible for or don’t have access to traditional healthcare plans to obtain more medical coverage. The Fundamental Care plan is designed to be available to companies with 51 or more eligible employees, and is generally 25% to 40% less expensive than traditional health care plans.
Who Could Best Utilize Cigna Health Care?
Cigna Health Insurance is an innovator in its field, knowing the needs of the public, and opening a door to families who thought previously they would never have decent medical coverage. It is a great plan for people on lower incomes, for students who work part-time, or retirees who aren’t quite ready for Medicare or Medicaid, but want to extend their coverage. I think it is wonderful that Cigna Health Insurance has introduced a product that people can really use, and it gives hope to people who need medical coverage but weren’t offered good enough benefits, or for those who work in an industry that doesn’t typically offer medical benefits.
Why You Might Want a Cigna Health Plan
Cigna Health Insurance offers consumer-driven health plans. This means individuals who are covered by Cigna Health Insurance have a greater opportunity to take charge of their own medical care. They offer a wide variety of programs and services so people can get the most for their money. If a family is in more need of prescription and medical coverage than they are of behavioral health, they have the option of customizing their plan so it is more geared towards their individual health-related goals.
Cigna Health Insurance also offers a customers a choice of seeing a doctor they want, or to choose the HMO option, where there is a network of Cigna-approved doctors and hospitals. Their Open Access, while it may cost a little more, is more flexible as far as seeing the patient’s doctor of choice for particular conditions and illnesses.
Cigna Health Insurance is a consumer-driven company who is giving the public what they need - coverage where they previously did not have it. It is an innovative company, and is now reaching many state and local governments, offering their benefits and services to state and local employees.
