A Guide To Navigating Cigna Insurance

Cigna is an American health care giant that can trace its history back to the 19th century. It’s one of the major players in the insurance industry and provides coverage to millions of Americans. If you’re thinking about purchasing a Cigna plan, read this simplified guide about their different options.

Does Cigna Cover Abortions?

Based on our research, Cigna plans do not cover elective abortions. Cigna members will have to pay out-of-pocket for this procedure, which costs around $1,500 if the woman is in the first trimester. There’s also an “abortion pill” which is widely available these days. The actual medicine is called Mifepristone, and it works by causing the uterine wall to shed, inducing a miscarriage. Cigna plans don’t typically cover this medication, but we recommend reading the fine print of your policy to be certain.

Does Cigna Offer HMO Or PPO Plans?

Cigna offers both HMO and PPO plans. For those who don’t understand the difference, HMO stands for Health Monitoring Organization, and it provides a network of doctors and health professionals. You’re typically assigned a primary doctor and will have to go through this individual to get referrals to see other doctors.

On the other hand, PPO stands for Preferred Provider Organization. PPO plans have fewer restrictions compared to HMO plans because you’re not constrained by a specific network. PPO plans do not require you to go through your primary health care practitioner, meaning you don’t need a referral to see a specialist. A Cigna Open Access Plus (OA+) plan is considered a PPO.

How Much Does Cigna Health Insurance Cost?

The cost of a Cigna health insurance plan varies depending on where you live. For more information, we suggest visiting their website and entering your zip code.

Does Cigna Cover Birth Control?

Yes, Cigna plans cover birth control. One of the main points of the Affordable Care Act was to make it mandatory for insurance companies across the country to partially cover contraceptives. Patients still have to visit a medical doctor to get a prescription to take this medication. Note that most basic Cigna plans cover the generic formulations of the drug.

Does Cigna Cover Dental Implants?

Yes, some Cigna plans cover dental implants. Although, coverage depends heavily on two factors: your location and your plan. Premiums vary across the country, and the more basic plans only cover around 20% of the procedure. The more expensive plans typically cover 100% of the operation, but we always recommend reading the fine print.

Does Cigna Cover Acupuncture?

No, Cigna does not cover acupuncture because it’s viewed as experimental. However, if a physician prescribes acupuncture as a pain-relieving alternative, it may be covered under certain circumstances.

Does Cigna Offer Supplemental Life Insurance?

Yes, the insurance company offers a range of supplemental life insurance options. Supplemental life insurance is an additional safety cushion that covers expenses that aren’t typically covered by your primary life insurance. For example, if you have a heart attack and can’t work for a few months, supplemental insurance will provide a bit of extra cash to help pay for your mortgage, utilities, and groceries during that period.

What States Does Cigna Cover?

Cigna sells health insurance plans across the country, but over the past year, the company announced it would be pulling out of two states: Maryland and Connecticut. Why has Cigna decided to do this?  The insurance company was losing money in these two regions, and it made sense to withdraw and focus on more profitable states.