Cigna mupi wepasi rose wehutano hwehutano nekambani yekambani iri iri muBloomfield, Connecticut. Inoshandisa vashandi vanopfuura 35 000 munyika yose munyika dzinopfuura makumi matatu nemari yegore inopfuura $ 32 biliyoni. Gore negore, kambani inopa mari inopfuura $ 11 mamiriyoni kune masangano anobatsira.
Iyo kambani yakaumbwa muna 1982 semugumisiro wekubatanidzwa kweNA Corporation uye Connecticut General Corporation.
Vose INA neConnechen General Life Insurance Company vakange vakwegura uye vairemekedzwa mazita emakambani mumashandi einishuwarenzi. Inishuwarenzi Ikambani yeNorth America (INA) yakavakwa muna 1792 uye Connecticut General Life Insurance Company (CG) yakavakwa muna 1865.
Zvikamu zveCigna zvinosanganisira:
- Connecticut General Life Insurance Company
- Cigna Health uye Life Insurance Company
- Life Insurance Company yeNorth America
- Cigna Life Insurance Company yeNew York
Kuburikidza neCigna's subsidiaries, vatengi vanogona kutenga kurapa, mazino, hupenyu, njodzi, kana hutachiwana hwekutengesa michina nemamwe mabasa akafanana. Cigna ikambani inoshambadzirwa nepamusoro peNew York Stock Exchange pasi pechiratidzo CI . Ichowo isangano reS & P 500.
Simba reMari uye Vatengi veMitambo
Cigna Inshuwarisi uye vashandi vayo vanobatsirwa nemari inotevera yezvikwereti zvemari kubva kumasangano ehurumende yepamusoro yehushuwarenzi :
- AM Best - "Zvakanaka"
- Moody's Investor Service - "A1 Upper-medium rating nechepasi chekwereti"
- Izvo & Nezvakaipa (S & P) - "AA- Very Strong"
- Fitch - "A + Simba"
ConsumerReports.org yakaratidza Cigna ine 84 kubva kune zana muzana wese kugutsikana kwevatengi. Nheyo idzi dzinobva mukugutsikana kwevatengi pamwe nekushanda mukudzivirira uye kubata mamiriro ezvinhu akafanana.
Cigna inoshandisawo nheyo yenyika yose inowanika kumasangano maawa makumi maviri nemasere, mazuva manomwe pavhiki. Iyi call centre yakakunda mupiro wevashandi kubva kuna JD Power & Associates kwemakore mana akatevera.
Bhizimusi Bhizinesi Bureau Rating
Cigna ine "A +" rating neBBB. Hazvibvumirwi kodzero asi yakashandisa kubvumirwa uye iri pasi pekuongorora. Bhuku reBBB rinoti Cigna yakasangana neBBB Code yeBusiness Practices pasi pekuongorora kwayo kwekutanga asi kubvumidzwa kwekupedzisira kuchiri kudiwa kubva kuBBB Board of Directors. Pane makumi mapfumbamwe nemakumi mana (26) muchengeti wezvekuongorora (24 nharo uye 2 kusapindira). Iyo kambani ine zvikamu zvakakanganwa zve 3.73 pazvishanu nyeredzi. Iko kune zvikwereti zvinokwana 413 kukwidza kwevatengi: matambudziko ane chibereko / service (270); vimbiso / nyaya dzevimbiso (2); nyaya dzekutakura (16); billing / collection issues (109) uye kushambadzira / kutengesa (16). Pamakwikwi 413, 84 dzakagadziriswa kuti mutengi agutsikane.
Health Insurance Products Zvimwe
Kuburikidza neCigna nemasangano ayo, une sarudzo yemhando dzakasiyana-siyana dzehutano hwehutano inshumo nemabasa. Iwe unogona kuwana mari yakawanda kuburikidza uchishandisa iyo PPO (Preferred Provider Organisation). HMOs (Health Maintenance Organization Health Insurance Plan) uye HSAs (Health Care Savings Accounts) dzinowanikwawo.
Kana ukasarudza chirongwa cheshuwarisi yemazuva ano, izvi zvinowanikwawo kuburikidza neurongwa hwe "Open Network". Heano mamwe emishuwarenzi mitemo uye mazano aripo:
- Chiremba
- Dental
- Supplemental
- Utano hwekuita
- Pharmacy
- Vision kutarisira
- Batsirwa
- Health coaching
- Mamiriro ekutungamirira
- Girai upenyu, inshuwarano uye inshurensi yehurema
Apo vatevedzeri vemitemo vanyoresa uye vashandisa myCigna.com, vane mukana wekutarisa uye kubhadhara zvikwereti paIndaneti, tarisa maonero ekutaura nemashoko, tsvaga vanotengesa uye kuwanika uye kadhi yeAshuwarisi. Ichi chiitiko chinowanikwawo kune nhengo senhare yekushandisa.
Pros uye Cons
Pros
Cigna ikambani yemari yveshuwarisi ine hupfumi uye ine hurongwa huzhinji hwehutano hwehutano hwekufananidza hutano hwako hwakasiyana nehupenyu hunodiwa. Iine hutano hwakanaka hwekushaya mari pakati pemainishuwarenzi epamusoro yehurumende pamwe chete nekukwirira kwevashandi vemakambani kubva kuJD
Power & Associates.
Iine muongorori wemuongorori wemuongorori wevanopfuura 500 000 pamwe chete nezvipatara zvinopfuura 8 000 zvinobatanidzwa. Vanopfuura 70,000 vanachiremba mazino vari mune mupi wekutarisira network munyika yose. Nzvimbo yepaIndaneti yakazara uye yaiva nyore kufamba. Hapana kutumirwa kunodiwa kuti uone kunze kwe-network-utano wekupa rubatsiro, kunyange iwe uchawana zvakanyanya kuderedza uchishandisa chiremba mukati memutambo. Zvimwe zvirongwa zvinopa co-pay uye zviduku zvakasarudzwa zvingasarudzwa. Cigna ine National call centre iyo yakazaruka 24/7.
Cons
Haisi mhando dzose dzekuwedzera inshuwarano yehutano inshuwarisi, yakadai seishuwarisi yemaonero, inokwanisa kubatanidzwa nehutano hwehutano inshuwarisi.
Company Contact Information
Kana iwe uchida kudzidza zvakawanda nezvehutano hwehutano huripo hupi hwakapiwa kuburikidza neCigna, unogona kushanyira webhusaiti yeCigna kana kudana 1-800-243-6998.