Cigna Insurance inotarisa matangiro ake kumashure ekutanga kwekambani yavo yemubereki, The Insurance Company yeNorth America (INA) yakatangwa muna 1792. Inopa huwandu hwepasi rese hwehutano hwehutano, mazino, hupenyu uye hwehutano hwekutengesa.
Yakagamuchira zvikwereti zvepamusoro kubva kune masangano ehurumende yehushuwarenzi :
- AM Best : "Zvakanaka"
- Moody's Investor Service : "A1 Chikwata-miviri yepamusoro nechechi chikwereti chekwereti"
- Nhamba & Nhamo (S & P): "AA- Yakasimba Kwazvo"
- Fitch : "A + Simba"
Iyo kambani yakagamuchirawo mishandirapiriti yemakambani uye kugamuchirwa kubva kuna JD Power & Associates kwemakore mana anotevera. ConsumerReports.org yakaratidza Cigna ine 84 kubva kune zana muzana wese kugutsikana kwevatengi.
Bhizimusi Bhizinesi Bureau Rating
Sezvenguva yekunyora uku, Cigna ine BBB kubvumirwa inenge ichimirira. Faira yaCigna neBBB yakavhurwa muna 1929 uye kambani ine "A +". Pane makumi mapfumbamwe nemakumi mana ekuberekerana nekuongorora; 26 zvisina kunaka uye 2 kusarerekera kwekutarisa. Pane 414 zvikwereti zvachose zvevatengi zvakanyorwa: 16 kushambadzira / kutengesa nyaya; 110 kubhadhara / kuunganidza zvinhu; 16 kuendesa nyaya; 2 kuvimbiswa / nyaya dzevimbiso uye matambudziko 270 akanyorwa nemagetsi / mabasa. Cigna ine zvikamu zvinokwana 3.73 kubva kune 5 nyeredzi.
Cigna Dental Plans
Cigna inopa inshuwarisi yezinyore muUnited States uye kune dzimwe nzvimbo munyika yose.
Iyo haina kupa kugoverwa mumatunhu eNew York kana kuWashington. Inopa zvirongwa zvitatu kuti zvikwanise zvido zveunishuwarenzi zvemazino uye bhajeti:
- myCigna Dental Preventive : Iyi chirongwa inopa 100 muzana kugoverwa kwekuchengetedza uye kuongororwa mabasa. Dhaurirano inowanika kune zvose zvekudzorera uye orthodontic services.
- myCigna Dental 1000 : Urongwa uhwu huri ne $ 50 munhu anotsvaga uye mhuri inobviswa kubva $ 150 gore negore. Gore rose rinobatsira kana $ 1,000. Iwe unogamuchira kugoverwa kwekuchengetedza kwekuchengetedza, kuongororwa uye kushandiswa kwemashumiro. Panewo kushandiswa kwemabasa orthodontic kana uchishandisa in-network provider.
- myCigna Dental 1500 : Urongwa uhwu huine $ 50 munhu anotsvaga uye mhuri inobviswa kubva $ 150 gore negore. Gore rose rinobatsira kana $ 1,000. Iwe unogamuchira kugoverwa kwekuchengetedza kwekuchengetedza, kuongororwa uye kushandiswa kwemashumiro. Kusiyana kukuru kubva kuDental 1000 iyi chirongwa chinosanganisira $ 1 000 mararamiro eupenyu orthodontic kuchengetwa kunobatsira kune nhengo dzemakore ose.
Kubatsirwa uye Zvimwe
- myCigna ine shanduro yakashambadzira inoita kuti zvive nyore kuwana mu-network meno. Iwe unogonawo kutarisa kugoverwa kwako uye kuratidza yako kadhi yeAshuwarisi nehuyu purogiramu.
- Iwe unogona kugamuchira mishonga yako yezvehutano uye mazinyoresho ehutano akabatanidzwa
- Hapana chikonzero chekutumira zvirevo. Izvi zvinoshandiswa kuburikidza neCigna network providers zviri nyore.
- Neyo myCigna.com svondo, iwe unokwanisa kuwana zvikwereti zvepaIndaneti uye zvikwereti uye unokwanisa kukwanisa kubhadhara paIndaneti pamwe chete.
- Hapana kutumirwa kunotarisirwa kuti uone kunze kwe-network mazino kune chero hutano hwakanaka.
- Iwe une kambani yakakura kwazvo yeCigna kunosarudza kubva kune vanopfuura 72,000 mazino madzinza muCigna inofanirwa kupa mutevedzeri.
- Iwe unogona kusarudza in-network kana kunze-kwe-network meno. Ichokwadi kuti iwe uchawana mari yakawanda pakusarudza mazino mune-network.
- Zvimwe zvinodhura zviripo zvinogona kushandiswa kune kunze kwe-network providers.
Pros uye Cons
Pros: Cigna ikambani yemari yehushuwarisi ine bhizimusi uye ine mhemberero yakakura yemayano inowanikwa nevanopfuura 70,000 mazino. Nepo iwe unogona kusarudza in-network kana kuti kunze-ye-network kupa, zvakanyanya kukuchengetedza zvinowanikwa kuburikidza uchishandisa mazino anobva paPPO network. Mazano ezinyore anovhara miitiro yepurogiramu, x-ray uye kunatswa kaviri gore negore. Chirongwa chekutanga, myCigna Dental Preventive, inopa 100 muzana asi inongotakura mabasa ekudzivirira. Cigna inopa huwandu hwenyika yose, saka ichi chinhu chinofanira kuchengetedza mupfungwa kana iwe uchida kuenda kune imwe nyika kana kutamira kune dzimwe nyika.
Cons: Unogona kusarudza kushandisa in-network kana kunze kwe-network. Zvisinei, kunze-kwe-network mitsara inogona kushanda kana yakawanda kupfuura mari yakadzorerwa inobvumirwa neCigna. Zvose zvirongwa uye zvingasarudzwa zvingasawanika mune zvese zvehurumende uye hapana kugoverwa kuNew York kana kuWashington. Kunyange zvazvo ine hutano hwakanaka hwekuvhara mazino, hahudzikidzi mari yakawanda sevamwe vanopa. Kunyange zvazvo Cigna ine yepamusoro yepamusoro yevashandi vehuwandu hwemashoko, pane zvimwe zvikwangwani zvakarongwa munzvimbo dzezvigadzirwa nemabasa.
Contact Information
Kuti udzidze zvakawanda nezveCigna's insano yemainishuwarenzi emazino kana mamwe maishandisi ehutano hwehutano, unogona kushanyira webhusaiti yeCigna kana kudana 1-800-243-6998, maawa makumi maviri nemazuva, mazuva manomwe pavhiki. Iko kunewo musha wekutengesa mishonga yemishonga 1-800-285-4812. Kune vatevedzeri vemitemo vane mibvunzo yakawanda pamusoro pemafaro emazino endai myCigna.com.