Cigna: Perfect Choice for Healthcare Goals

Cigna, a global health service company, stands as a stalwart in the realm of insurance and healthcare solutions. With a commitment to improving the health and well-being of their customers, Cigna offers a diverse array of insurance products and services to their customers. These are tailored to meet the various needs of not only individuals, but also families, and businesses as well. Cigna has been a leading service provider for decades, making it one of the most important insurance services providers in the world today.

Services Offered by Cigna

Cigna offers a myriad of services over a broad spectrum of health and insurance solutions. They are esteemed to provide services for all segments of the population. Some of the key services offered by Cigna include:

1. Medical insurance

Cigna provides comprehensive medical insurance coverage, ensuring access to quality healthcare services for policyholders when they need it the most. Their medical plans often include coverage for hospital stays, doctor visits, prescription drugs, preventive care, and more. Cigna provides one of the best medical health coverages and is one of the most reliable insurance providers. Their longevity in the insurance sector and their growth is a true testament to this.

2. Dental Insurance

Dental health is an integral component of overall well-being. Cigna offers dental insurance plans designed to cover various dental care needs. These include routine check-ups, cleanings, X-rays, and other dental treatments, promoting good oral hygiene habits among their members. Dental care insurance allows patients to focus on preserving their oral health, at affordable costs, with Cigna as their partner in this.

3. Disability insurance

In the event of illness or injury that renders an individual unable to work, disability insurance from Cigna provides financial protection by replacing a portion of lost income. These plans offer peace of mind by ensuring financial stability during challenging times. Cigna is committed to helping persons with disability to move on with their lives easily and stand with them all the way. Cigna also provides access to certain prescription drugs, which might be of help to people with disability. By shielding off these costs, Cigna provides untold support to those in need.

4. Life insurance

Cigna's life insurance policies serve as a safety net for policyholders and their loved ones, offering financial protection in the event of the policyholder's death. These plans provide a lump-sum payment to beneficiaries, helping them cover expenses such as funeral costs, mortgage payments, and ongoing living expenses.

5. Supplemental Insurance

Supplemental insurance is a revolutionary move in today’s world. This insurance coverage helps cater for the services that one’s primary health insurance may not cater for. It might help pay for some out-of-pocket medical bills when struck by a serious illness or an accident. Cigna provides some inclusive plans, that cater for illnesses such as cancer, heart attack and stroke. They also help cater for costs incurred after an accident, such as treatment, medication and hospitalization. Moreover, supplemental insurance can be used to cater for essential services expenses such as utility bills and childcare.

6. Employee benefits plan

Cigna partners with employers to offer comprehensive employee benefits packages, including health insurance, dental coverage, disability insurance, life insurance, and wellness programs. These benefits not only attract top talent but also contribute to employee satisfaction and retention. They provide extra incentives for the employees and help them cut costs in case of any eventualities. These further foster good interaction between employers and employees. Cigna covers both SMEs with as low as 2 employees, to large enterprises with over 3000 employees. They are available for local and multinational businesses, as well as IGOs and NGOs.

Types of policies

Cigna offers a variety of insurance policies tailored to meet the diverse needs of their customers. These policies may be classified into categories that include:

1. Health Maintenance Organization (HMO) plans

 HMO plans typically require members to choose a primary care physician (PCP) and obtain referrals for specialist care. These plans often feature lower out-of-pocket costs but may have more restricted provider networks.

2. Preferred Provider Organization (PPO) plans

PPO plans offer greater flexibility in choosing healthcare providers as compared to HMO plans. They allow members to visit both in-network and out-of-network providers without referrals. While PPO plans generally have higher premiums and out-of-pocket costs, they provide greater choice and convenience. They also increase the range of access to specialized medical care.

3. Exclusive Provider Organization (EPO) plans

EPO plans combine elements of HMO and PPO plans. They offer a network of preferred providers for members to choose from. However, coverage is typically limited to in-network providers, except in cases of emergency care.

4. High Deductible Health Plans (HDHPs)

HDHPs feature higher deductibles and lower premiums compared to traditional health insurance plans. These plans are often paired with Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs) to help members save for medical expenses tax-free.

Benefits of choosing Cigna as your insurance partner:

Partnering with Cigna as your insurance provider offers numerous advantages, including:

1. Global presence

Cigna operates in multiple countries around the world, providing access to quality healthcare and insurance solutions to millions of individuals and organizations globally. Cigna operates in numerous countries across North America, Europe, Asia-Pacific, and the Middle East. This helps them serve millions of customers worldwide. Cigna's global presence underscores its commitment to expanding access to quality healthcare and insurance solutions on a global scale.

2. Comprehensive coverage

Cigna offers a wide range of insurance products and services, ensuring that customers can find policies that meet their unique needs and preferences. These include coverage on dental care, optical care, general health cover plans and life insurance plans. Additionally, they have supplemental plans to help cater for needs that some primary insurance may not cover.

3. Access to a large network of providers

Cigna maintains extensive networks of healthcare providers, including hospitals, physicians, dentists, and specialists. This is key in enabling members to access care from trusted professionals. Cigna’s global presence places it in an advantageous position to offer diversity in the range of professionals. They have in-network and out-of-network specialists all across the world, to serve their patients.

4. Access to preventive care and wellness programs

Cigna prioritizes preventive care and wellness, offering various programs and resources to help members improve their health and well-being. These initiatives may include health screenings, lifestyle coaching, and digital health tools. With Cigna, preventive care is fully covered by the plans, when patients see in-network doctors and providers. These may include regular services such as patient’s annual check-ups, flu shots, screening and vaccinations.

5. Excellent customer service

Cigna is committed to delivering exceptional customer service, providing support and guidance to members throughout their insurance journey. Cigna has assistants and virtual care specialists, who work 24/7 to deliver customer services. Medical claims and documentation can effectively be handled in person or virtually. Moreover, Cigna has incorporated digital technology to offer customer-centric services. Through their myCigna app, members can access Cigna services easily and efficiently. Additionally, they get real-time access to in-network doctors and their cost estimates, as well as over 7 million reviews from verified Cigna patients all over the world. The platform also provides them with details on their plans and coverage, as well as other Cigna services.

With respect to their planned expansion and global coverage, Cigna is now providing its services in Kenya and the East Africa Region. They have partnered with Avané Dermatology Clinic, a top-level dermatology clinic in Kenya. Avané Clinic shares Cigna’s values of providing quality, affordable and people-centric services. The clinic is a world renown facility, known for its excellent services such as cosmetic and corrective surgeries. Avané clinic is located at the Yaya Center in Nairobi and the Park Suites Building in Parklands. Members and potential members of Cigna can now enjoy the fruits of affordable dermatology treatment from Avané Clinic and Cigna.