Cigna is an employee benefits company. Cigna company health insurance and Cigna dental programs are much more progressive than some of their competitors. To remain flexible and offer the greatest benefits to Cigna customers, Cigna makes most types of insurance available.
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The health insurance savings accounts offered by Cigna are much more comprehensive than most companies. Three types of Cigna accounts can be used: Cigna Health Reimbursement Arrangement (HRA), Cigna Flexible Spending Account (FSA), and the Cigna Health Savings Account (HSA). The Cigna HSA is the newest account type and one of the most beneficial as money deposited into the Cigna HSA is tax deductible. This encourages employers to make deposits into the employees Cigna HSA.
Cigna Company also offers more traditional health insurance plans. Cigna HMO plans are unique in that Open Access options are available. A Cigna Open Access HMO plan allows the insured party to visit any Cigna HMO network doctor without a referral.
The Cigna POS plan provides good coverage, but the coinsurance rate is 30%. The average coinsurance rate is 20%, making Cigna POS plans a bit more expensive.
Cigna PPO and Cigna EPO plans are some of the better health insurance plans Cigna offers. These Cigna Company plans simplify health care because visits to Cigna network doctors do not require claims forms. The Cigna EPO plan is a great option if cost is an issue. By eliminating the possibility of services outside the Cigna network, premiums and rates are greatly reduced.
The best plans available are Cigna dental plans. Cigna dental plans come in all of the varieties that Cigna health insurance plans are available in. The Cigna Dental HMO is the only Cigna dental plan that does not operate on a reimbursement basis. Cigna dental plans are much more comprehensive than other dental plans. At the beginning of 2006, Cigna dental plans began to cover fess for brush biopsy, a procedure used to detect oral cancer. Additionally, Cigna dental programs do not require pre authorization or referral to pediatric dentists for children. To make things even better, for pregnant women, many Cigna dental services receive 100% coverage.
Being a national provider of employee benefits allows the Cigna Company to be flexible with the plans that they offer. Cigna dental plans are some of the best in the industry. Cigna seems to live up to their slogan “a business of caring.”