Cigna Auto Insurance Review (2020)

Insurance companies like Cigna offer group health and life insurance packages through employers at discounted group rates. If you’re in this select group of employees receiving health care through Cigna insurance, you might be wondering if it’s possible to avoid the hassle of comparing cheap auto insurance from the best auto insurance companies.

But how can you find out if Cigna auto insurance is available to add on to your existing health insurance policy? And if so, are coverage options good or is Cigna bad insurance when it comes to automotive coverage? How much is Cigna insurance per month? The short answer is that there is no option for Cigna car insurance, but we’ll give you all the details you need below.

Before you begin our Cigna auto insurance review, check out our free online quote option. Just type in your ZIP code, and we’ll guide you through the rest. Before you know it, you’ll have a list of detailed quotes for auto insurance policies available in your area. It’s that simple.

Does Cigna sell auto insurance?

First and foremost to answer the question on many a motorists’ mind, does Cigna offer auto insurance?

Unfortunately, no; Cigna does not currently sell auto insurance. The company’s focus for over 200 years has been and remains primarily on health and life insurance, and it seems to have no immediate plans to expand into different types of insurance, like automotive.

Below we will provide the average auto insurance rates across all 50 states. This rates will provide a baseline as you search for auto insurance and compare quotes:

How good is Cigna health insurance?

A brief overview of the Cigna reviews yelp provides would suggest that the insurance company may have reliable healthcare options with unreliable customer service standards; the responses from customers are underwhelming to put it mildly and reports of Cigna problems resulted in a 1-star rating of the company.

It’s also important to note that most individuals only go on Yelp to report complaints, so this forum may be biased to reporting only the discontent policy members. And to be fair, Cigna’s Yelp rating is on par with the top competitor Aetna’s insurance reviews on Yelp.

As proof positive of this potential bias, the US Health Cigna PPO reviews from the Better Business Bureau (BBB), a watchdog organization that rates customer service standards on a local level, rated the Cigna operated Health plan with an A+.

The Cigna dental insurance reviews, a coverage option that not all healthcare plans cover, are mostly positive as well with ConsumerReports.org rating Cigna with an 84 out of 100 for overall consumer satisfaction. On the international scale, though, consumer reports rates Cigna health insurance reviews UK with a much lower satisfaction rate of 1 out of 5 stars.

On the domestic soil, it does seem that according to ConsumerReports.org that Cigna is neck and neck in comparison with the United Healthcare reviews. Like most insurance companies, it seems that Cigna has the plans to provide good insurance options, but particular instances have rubbed some policyholders the wrong way.

As far as auto insurance is concerned, it’s possible that Cigna may initiate partnerships with other insurance companies in the future to offer discounts on auto insurance plans. A Cigna WebMD partnership is currently underway to offer CignaPlus dental savings to needy families and individuals as well as a co-aligned online patient portal for policyholders to view Cigna health benefits through the webmd site.

So, there is a precedent for company partnership. However, this is just a hypothetical, so if you’re in need of an auto insurance policy right now, you will need to purchase one from a different company. Don’t hold your breath waiting for the Cigna automobile insurance company to form.

Where is Cigna located?

The primary Cigna insurance address is located at the following address:

Cigna Corporate Headquarters
900 Cottage Grove Road
Bloomfield, CT 06002

Does Cigna have agents?

Cigna has agents in the form of brokers or consultants. Cigna’s health insurance brokers are there to meet your unique needs as a policyholder and are invested in providing quality customer service. The company’s A+ rating from the Better Business Bureau is direct evidence of its high-quality support team.

Cigna also received a favorable report from J.D. Power, a product and consumer review company, earning 704 points out of a possible 1,000 on its consumer review report on health care. This score placed Cigna in the top four of J.D. Power’s list of best health insurance companies.

Customer service representatives are available to discuss finding an agent/broker near you by calling the Cigna insurance phone number at  1-800-997-1654.

Although Cigna does not offer auto insurance plans to bundle with your health care plan, you can find estimates from multiple auto insurance companies by using our free online search tool.

All you have to do is type in your ZIP code, and we’ll take care of the rest, helping you find the most affordable auto insurance plans in your area.

How do I file a claim with Cigna?

Although Cigna does not offer online claims filing for auto insurance, it does provide this option for health and life insurance policyholders.

But does Cigna cover auto accidents? The answer to this can be yes and no.

The are many reasons to file your auto accident claim online, speed and efficiency being the top, but payment for any injuries incurred during an auto accident will have to be decided between Cigna health and the third party auto insurance company of either driver.

For the most part, Cigna’s health or life insurance claims process is conducted entirely online. Even Cigna dental insurance claims, a coverage option generally outsourced to a third party, can be conducted online through Cigna claim portal.

In order to submit a claim, Cigna members, both individual policyholders and health care providers, are encouraged to use its Electronic Data Interchange (EDI), which is found on the company’s website.

Not to be confused with its innovative Cigna WebMD portal, the EDI helps policyholders file, track, and receive payments online in a timely manner.

The company’s website recommends filing claims as soon as possible in order to receive prompt payment, and the best way to avoid snags in the claims process is by filing online. If you have questions or issues with the online process, you can email the Cigna online claims department at [email protected] for more information.

If your claim is denied, Cigna also offers an option to appeal a denied claim through the online EDI portal.

The claims process and filing online can be difficult for retirees; whether it be filing claims for Cigna life insurance or a third party auto insurance policy for retirees, the internet is not always the most convenient or accessible option.

For those who prefer filing by paper, Cigna still offers the option to file a claim by mail, with the caveat that doing so can prolong the process. For most paper-filed claims, you will need to complete the following three steps:

1. Download and print the claim form from the Cigna website.
2. Print and complete the form.
3. Mail the completed claim form to the appropriate office address, which can be found on Cigna’s website.

Each type of claim — dental, life, health, etc. — will involve different forms and should be mailed to the appropriate address for that particular type of claim.

How do I get a quote from Cigna?

Cigna offers online quote options for individual and group employer health and life insurance plans on its website. Although there is no Cigna auto insurance phone number, potential clients can also call Cigna to discuss coverage options at 1-866-621-8181; service representatives are available at the Cigna insurance phone number Monday – Friday 8:00 a.m. – 8:00 p.m. EST.

Customer service representatives are available to answer your many questions regarding how Cigna Healthcare plans compare with top competitors. Questions like which one is better, Aetna or Cigna? Or, is Cigna better than Blue Cross Blue Shield? Answers, although most definitely biased, will help you as a potential policyholder make the best informed decision when purchasing your healthcare plan.

Even though Cigna does not offer auto insurance, you can still get a local estimate for your car insurance by trying out our free online quote option below. All you have to do is type in your ZIP code to receive detailed quotes from multiple auto insurance companies in your area. It’s that simple.

 

Cigna History

Cigna has been a global health care and life insurance institution for more than 225 years. The company’s current form is the result of a merger between the Insurance Company of North America (INA) and the Connecticut General Corporation (CG). Today known only as Cigna, the insurance company continues its legacy of providing innovative health and life insurance options while expanding its reach globally.

In 1982, CG and INA announced the merger of their operations and health insurance businesses, and Cigna was born.  In 1990, Cigna acquired EQUICOR and became the sixth-largest provider of employee benefits in the U.S., a merger that greatly expanded Cigna’s already extensive network of health plans.

Today, Cigna represents more than 180 million customer and patient relationships in more than 30 countries.

The U.S. Census Bureau’s 2018 report on health insurance coverage in the U.S. shows that close to 70 percent of the population is covered by private insurance and over 30 percent are covered by public; Cigna provides healthcare plans primarily in the 70 percent of the private sector but also maintains some government employee contracts for health insurance as well.

Currently, the company holds an A (excellent) rating from A.M. Best, the number one credit ranking agency in the insurance industry. This means that financially, Cigna is viewed as a stable investment and is more than capable of paying out insurance claims today and in the near future.

The video below gives you a brief overview of what type of health care and life insurance options Cigna offers its policyholders today.

Consumers also view Cigna’s customer service and products favorably. The Better Business Bureau (BBB), a consumer watchdog organization, has consistently given the insurance company an A+ rating. This means that complaints about Cigna are minimal, and most problems policyholders have are resolved quickly and satisfactorily.

The Bottom Line: Cigna Auto Insurance Review

The convenience and discounted rates that come with bundling auto, health, and life insurance are always a tempting option for policyholders. Unfortunately, Cigna does not offer auto insurance. Its primary focus for over 200 years has been providing affordable health care and life insurance plans.

If you’re still considering or have Cigna health insurance under your employer, it’s best to seek out your auto insurance plan from a third party insurance company especially if you need auto insurance today. As mentioned previously, partnerships with auto insurance companies offering discounted rates may occur, but on the whole, it doesn’t look like Cigna is changing its business strategy anytime soon.

Now that you’re finished with our Cigna auto insurance review, check out our free online quote tool. You simply type in your ZIP code and we’ll take care of the rest. Even though you won’t get a bundling option with Cigna health and auto insurance, you can still make sure you get the most affordable auto insurance plan that meets your needs as a driver.