Cigna Health vs. United Healthcare: Which Company is Best in 2021?

We collected a couple of information on Cigna Health vs. United Healthcare…Just read and take an appropriate decision. HAPPY READING…

Cigna Health Insurance is an America based health services organization headquartered in Bloomfield, Connecticut. It provides insurance for medical, dental, disability, life, and accident insurance, mainly to U.S individuals. But, they also offer these services in some selected international markets. Founded in 1982, Cigna provides these services through employers and various governmental and non-governmental organizations.

UnitedHealth Group Incorporated is a for-profit health care organization based in Minnetonka, Minnesota, U.S. United Healthcare is a part of the UnitedHealth Group, which offers health care products and insurance services. Founded in 1977, the total revenue of United Healthcare comprises 80% of the Group’s overall revenue.

Cigna Health vs. United Healthcare

Here is a brief comparison between Cigna Health Insurance and United Healthcare:

Access to provider networks

Cigna Health Insurance has a huge provider network for its Non-Medicare members that includes 1.5 million healthcare professionals. In case you’re a Medicare recipient, the best way to get to these suppliers is with a Cigna Medicare Advantage plan. Besides, Medigap insurance allows you to take services from any provider that accepts Medicare.

On the other hand, United Healthcare offers services through a network that consists of 1.3 million doctors and specialists. The Advantage members also get access to 6000 other facilities. But the most important thing is whether you have access to that service in your region.

Availability by location

United Healthcare offers its Medicare Advantage plan and Medicare supplements throughout the entire U.S.A. On the contrary, Cigna’s Medicare Advantage is only limited to the fifteen states and DC, and its Medicare supplement to 49 states and DC.

Medicare Advantage plans

Both Cigna and United Healthcare offer a wide range of Medicare Advantage and prescription sample plans. But not all plans may be available in your region. You should contact the nearest Medicare provider to know about the availability of plans in your area.

1. Health Maintenance Organisation (HMO)

UnitedHealthcare Plan Cigna Plan
  • AARP MedicareComplete SecureHorizons Plan 1
  • AARP MedicareComplete SecureHorizons Plan 2
  • AARP MedicareComplete SecureHorizons Focus
  • AARP MedicareComplete SecureHorizons Essential
  • AARP MedicareComplete SecureHorizons Premier
  • Cigna-HealthSpring Preferred
  • Cigna-HealthSpring preventive care
  • Cigna-HealthSpring Alliance

 

2. Preferred Provider Organisation (PPO)

UnitedHealthcare Plan Cigna Plan
Not available Cigna-HealthSpring Preferred

3. Prescription Drug Plan (PDP)

UnitedHealthcare Plan Cigna Plan
  • AARP MedicareRx Walgreens
  • AARP MedicareRx Saver Plus
  • AARP MedicareRx Preferred
  • Cigna-HealthSpring Rx Secure-Essential (PDP)
  • Cigna-HealthSpring Rx Secure-Extra (PDP)
  • Cigna-HealthSpring Rx Secure (PDP)

Medicare Supplement Plans

Medicare Supplement or Medigap plans help you pay such costs as co-payments and deductibles. The Original Medicare Plan does not cover these costs. You can also get extra coverage, like foreign-travel emergency medical care, from these plans.

Health Insurance Companies Medicare Supplement Plans
UnitedHealthcare A, B, C, F, G, K, L, N
Cigna Health Insurance A, F, G, N, HD-F

 

United Healthcare offers eight Medicare Supplement plans, which include Plan A, B, C, F, G, K, L, and N. Whereas, Cigna Health Insurance offers five Medigap plans, namely Plan A, F, G, N, and Highly-deductible Plan F. There are some overlapping offerings between these two organizations. As a customer, you should review each plan’s benefits and choose the plan that best suits your needs.

Industry ratings

Organizations like Standard & Poor’s give financial ratings to public insurance companies. These ratings are given based on the company’s stability and expected ability to pay claims in the future. Cigna Health Insurance has received a financial rating of “A-” whereas United Healthcare is a full grade ahead with “AA-.”

[The more “A’s,” the better is the financial rating, with up to AAA. The +/- indicates the position of the companies within the letter grade].

In conclusion, both United Healthcare and Cigna Health Insurance offer a wide range of Medicare Advantage plans. But Cigna’s is only available in 30% of the states United Healthcare sells their Medicare plans. Moreover, United Healthcare has a better rating from S&P Global, which means there are more financially stable than Cigna.

Frequently Asked Questions

 1. What kind of Medicare Advantage plans are available in Cigna, UnitedHealthcare, and Humana insurance companies?

Cigna, UnitedHealthcare, and Humana offers the following Medicare Advantage plans –

Cigna UnitedHealthcare Humana Health Insurance
  • Health Maintenance Organisation (HMO)
  • Preferred Provider Organisation (PPO)
  • Private Fee-for-Service (PFFO)
  • Exclusive Provider Organisation (EPO)
  • Preferred Provider Organisation (PPO)
  • Health Maintenance Organisation (HMO)
  • Private Fee-for-Service (PFFO) / Point-of-service (POS)
  • Health Maintenance Organization (HMO)
  • Preferred Provider Organisation (PPO)
  • Private Fee-for-Service (PFFO)
  • Special Needs Plan (SNP)
  • Medicare Medical Savings Account (MSA)
2. How many states does Cigna cover?

Cigna covers 12 states with its medical plan and 49 states plus D.C. with its dental plan. The dental plan is not available only in Washington.

The states where a medical plan is available are –

  • Arizona
  • California
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Maryland
  • Missouri
  • North Carolina
  • South Carolina
  • Tennessee
3. What is the difference between Humana HMO and PPO?

HMO plans are cheaper and generally have lower monthly premiums, whereas PPO has higher monthly premiums. But PPO has the flexibility to use providers even out of the network and without a referral. Also, you have to pay more out of your pocket for PPO plans.

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