CIGNA Health Insurance – Catering to All Your Healthcare Needs

CIGNA is a healthcare service provider offering insurance services in United States as well as other countries of the world. The company offers health insurance services in different states including Arizona, California, Colorado, Connecticut, Florida, Georgia, North Carolina, South Carolina, Tennessee, Texas and still expanding. Headquartered at Connecticut, the company has its corporate office in Philadelphia. The company offers a large number of plans from traditional medical healthcare insurance to even behavioral care.

There are two major categories available, Consumer Driven Health Plans and Individual & Family plans to choose from. The Consumer Driven Health plan is available as group insurance only, offered to companies and firms having more than 200 employees. The different options include health savings account, health reimbursement arrangement and flexible spending account, each having their own benefits. All these plans are ‘consumer driven’, that is, you as a consumer make decisions on the type of service you want. This includes control on how you want to spend your money, freedom to get treatment from the healthcare provider of your choice and access to online information including tools to help you make the right decision.

The Individual and Family plans depend on the state you reside in. There are three major plans, HMO plan, Open Access Plan and Health Savings Plan. All these plans are not available for each state and you would need to check online as to which of these plans are available in your state. The plan is not available in some of the states; however you can always confirm online if your state has been added.

Apart from these, there are several other plans available. The CIGNA Health Maintenance Organizations and Network plan allows you to get treated from any physician falling in the network or out-of-network, without the hassle of getting a referral, ideal in emergency situations. The Open Access Plus plan allows you to get emergency treatment from anywhere at any time. Other than this, Medicare solutions, Indemnity plan, Limited Benefit Health plan and Government Benefit Managers are also on offer.

Other than these usual plans the company also offers insurance plans for people with complete and partial disability. There is an additional plan covering Specialty Groups such as individuals working in an accident prone area. The plan includes insurance for people participating in sports and other group activities likely to incur injuries.

One of the unique features of the company is the pharmacy option, working in collaboration with over 57,000 independent as well as national pharmacies. This option allows you to know and fill your prescription. This makes sure that you are fully aware of type of prescription and whether it’s covered or not. Through the Pharmacy plan you are informed of the costs associated with the plan, list of prescription covered under the plan, directory of pharmacies and alternative brands of medicines. You can even order the prescription online and get it delivered at your doorstep.

The company also offers health insurance to cover dental care, vision care and accidents. With a variety of plans to choose from, you will definitely find the one that best defines your needs.