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Cigna’s new Florida individual and family health insurance plans are a relatively new entrant to the Florida health insurance world. Actually their individual health plan quote system only became available in February of 2009. Still I have to rate their plan very highly in this market. Please see my individual health plan reviews for Cigna below. East Coast Health Insurance of course offers Instant Cigna Florida health insurance comparison quotes.
Cigna Florida Health Brochure
Pricing A+
Cigna is definitely the cheapest Florida health insurance company. I recently asked our agent representative about this, Mr. Alex Cordova. “Cigna is actually not keeping their Florida health insurance rates low at all. This is our plan pricing with our built in profit margin which is similar to the other carriers for these type of policies.” So I wondered what this meant, as Cigna is probably 30% lower then every other company in town in Florida and I couldn’t figure out why and more importantly how. Cigna actually has more affordable Florida health insurance rates then their non profit competition from Blue Cross Blue Shield of Florida and Avmed as well. Indeed many of Cigna’s employees were heisted from Humana One last year and this was the last year that we actually sold Humana as they are no longer the most affordable plan in Florida. The one thing I could definitely conclude was that Mr. Cordova was certain that Cigna would not have any price increase greater then their competition next year. So if you invested in a Cigna individual plan chances are that you will be staying with them for another year as well.
Benefits B-
Cigna plans are very simple with no extra benefits. They have office visit co-pays and even a great prescription plan but everything else goes towards your deductible. If this is the case why not give them a C or D in benefits? The answer is because their PPO plan is the same as everybody else’s. The only three plans in Florida that differentiate themselves from the rest in terms of benefits (not always price!) is Blue Cross Blue Shield’s PPO and Coventry PPO due to their co-pay at the ER and diagnostic coverage before your deductible etc. and of course one of my favorite carriers (though they are getting a little expensive lately) Vista’s HMO which is the plan I bought for my wife as I think it is that benefit rich.
Customer Service – Incomplete
They are a brand new virginal company so of course they are struggling with their plan. In fact their plan was so successful (being #1 in Florida health insurance affordability during a recession will do that) that they didn’t even hire enough underwriters and they had way too many growing pains and probably lost a ton of business to this. Of course they are a very reputable, large company so they have the infrastructure in place to service you once you are enrolled so I would give their plan an A normally but until they get these kinks worked out they will stay here. Please email me if you have had a positive experience with Cigna or negative of course as well so we can keep this little Florida consumer report article growing. For more company plan reviews please click on the Florida health insurance company pictures below as we are always updating and keeping your comments alive in our Florida Health Insurance Consumer Report section.
For information about applying or follow the link to purchase a Cigna Florida health insurance plan. For more information about Cigna and all Florida health insurance companies prior to purchase or post purchase please call ECHealthInsurance.com at 888.803.5917 during normal business hours.
