Health Insurance



Formed in 1982 by a merger between the Connecticut General Life Insurance Company (CG) and the INA Corporation, Cigna is currently one of the largest providers of health insurance, dental insurance, disability insurance, and life and accident insurance. The health insurance company, Anthem, announced plans to acquire Cigna in 2015; the acquisition is currently blocked by an antitrust suit filed by the US Justice Department.

Network Providers

Essential Benefits

Every health insurance plan is required to provide essential benefits, as defined by the Affordable Care Act. These essential benefits fall into ten categories of services:

The specific services offered within those categories may vary from state to state, but these categories represent the minimum that all health insurance plans are required to cover. No matter where you purchase your health insurance plan from – federal, state, or private marketplace – it must cover these ten essential benefits.

Plans may choose to cover additional services. State, federal, and private exchanges will give you the full list of the exact services each plan covers before you apply.

Special Features

Cigna has wide-reaching networks in the states where is it is available. Even if your current doctor is not available on the Cigna network, you can petition to get in-network rates for their services through Cigna’s Transition of Care program.

Prescriptions & Drugs

Cigna plans cover both brand names and generic drugs, with generic drugs costing less than brand name drugs. If you need a drug that’s not on their formulary (their master list of drugs they cover), you can appeal for a specific drug. If accepted, this drug will be covered at a pre-determined cost. You can also appeal for more expensive drugs to have their cost lowered if the cheaper version of that drug is not as effective in treating you. You can find the full Cigna formulary by visiting this site and selecting your state.

Enrollment Process

Policygenius offers anonymous, no-obligation shopping of all marketplace health insurance plans, as well as “off-exchange” plans that you won’t find on or the state marketplaces. You can browse all plans, and sort and filter those plans based on your preferences and budget.

Once you’ve selected a health insurance plan, enrolling in that plan is easy. You fill out a short online form, then complete the final step with a quick enrollment phone call with a licensed agent. On that call, the licensed agent will verify your identity, double-check eligibility and answer any questions you may have. For certain insurers, who don’t permit private brokers (like Policygenius) to enroll customers, you’ll have to enroll directly with the insurer or on your state’s marketplace (these plans will be noted).

After you enroll in a health insurance plan, you will get your membership materials (including your member ID card) and the first premium bill directly from the health insurance company. You are responsible for paying the bill to ensure that your coverage goes into effect, and to keep current on those payments.

Claims Process

Generally, your health services provider should make your claim for you. If, however, they did not make your claim or you visited an out-of-network provider, you can submit a claim directly to Cigna. Fill out the claim form PDF from this page along with your original bill to the address on the back of your health insurance card.

Contact Information

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