Cigna Health Insurance Plan of Georgia

Cigna Georgia Health Insurance Review and Quote

About the Plan

Our new Individual and Family Plans offer a simple-to-use, comprehensive health plan designed to provide you and your family with the comfort and peace of mind that comes with dependable health coverage. View our Georgia-Cigna-brochure (PDF 1.9MB) for more information.

Eligibility Criteria

• Individuals age 64 1/2 or younger on the assigned effective date
• Children without an adult subscriber who are 3 months of age or older, up to age 19
• You must be a resident of the state of Georgia

Dependent Eligibility Criteria

• Your lawful spouse
• Your unmarried children, stepchildren, or adopted children who have not yet reached age 19
• Your unmarried children, stepchildren, or adopted children who are at least 19, but under age 26 and are full time students. Proof of student status may be required.
• Your own, or Your spouse’s unmarried children, regardless of age, enrolled prior to age 19, who are incapable of self support due to continuing mental retardation or physical disability and are chiefly dependent upon You for support and maintenance. Proof of disability and dependency is required.

Plan Type Overview

• Open Access Plan (New!) – flexible in and out-of-network coverage under a national network. No PCP or referral required.
• Health Savings Plan (New!) – high deductible plans allow you to use a tax-advantaged Health Savings Account (HSA) to help pay for your current medical expenses or save for future medical expenses. In and out-of-network coverage under a national network. No PCP or referral required.

Plan Documents

US News and World Report recently ran rankings of some of the health insurance providers who operate in Georgia. If you’re in the market for health insurance, this is important to you—for if you have a choice, you’ll want to choose a company that has reasonable rates and quality service.

Cigna Georgia National Ranking and Score

Cigna is one of the plans in Georgia that enjoyed fairly high rankings, with an overall score of 83.4 on a 100 point scale. Cigna Georgia has NCQA accreditation; this means that they’ve gone through a rigorous screening process to meet 60 separate standards checks and must annually renew and prove that they are meeting increasing tough standards of quality in order to retain this prestigious distinction. For more information on NCQA, an independent not-for-profit group, visit their site—ncqa.org.

The US News and World Report rankings judge insurance companies on a number of different criteria. Cigna, while not getting “Five Stars” for any overall category (they include Consumer Assessment, Prevention, and Treatment), did perform very well in some specific measures. For instance, Cigna received four stars for “Getting care”, outranking Kaiser which had a higher overall rating.

Cigna also performed highly in terms of treatment measures including coverage of long-term medications, specific disease screenings, and immunizations.

Cigna From A National Perspective

Cigna has been focusing within the past several years on broadening their reach within Georgia, and announced in March that they had added 42 new hospitals and 3200 affiliated physicians to their network; they therefore are able to provide in-network access (at a savings to provider and patient) to over 90% of health care resources in Georgia. Cigna is not focused only on large cities; their goal is a comprehensive network of providers so that whether a member is in a city or a rural area, they will have in-network options for care.

Cigna’s efforts to continue to expand their coverage for Georgia residents make them a reasonable option to consider for health-care needs; financially, the company enjoys “A” ratings from the major agencies (a signal of good financial strength), meaning they are both stable and “in it for the long-term”.  Speak to your agent to compare quotes against other highly-rated companies.

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