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Ambetter vs. Cigna Insurance
Which health insurance company is the best option for you and your family? Compare Ambetter and Cigna side by side.
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 Written & Edited by Fran Majidi Fran MajidiFran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about i... Read more |
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Ambetter vs. Cigna: What You Need to Know
Ambetter is a health insurance company owned by Centene Corporation, a multi-national company that provides programs and services to under-insured and uninsured individuals. Centene is the largest Medicaid managed care organization in the country and the number one insurer on the Health Insurance Marketplace. Each state works differently through Ambetter to provide health insurance marketplace plans, including Medicaid and Children’s Health Insurance Programs (CHIP). Both Centene and it’s new acquisition, Wellcare Health Plans, serve Medicaid and Medicare members.
In 1792, a group of citizens formed the Insurance Company of North America (INA), the first marine insurance company in the U.S, the country’s oldest stockholder-owned insurer. The first insured hull and cargo was for a ship called America, which sailed from Philadelphia to Northern Ireland. In 1794, INA issued its first insurance policy, for a sea captain, to mitigate the risk of death. In 1865, the Governor of Connecticut signed a special at of the General Assembly incorporating the Connecticut General Life Insurance Company, which helped make Hartford, CT, “the insurance capital of the world.”
To learn more about each company, you can check out the Ambetter Overview and Cigna Overview.
What is Ambetter and Cigna Insurance Rating?
Which health insurance company is better? We've made it easy to compare companies side by side. See how Ambetter and Cigna ranked among the industry ratings.
| Comparison | Ambetter | Cigna |
|---|---|---|
| Year Founded | 1984 | 1792 |
| Medicare Star Rating | 3.5 stars (out of 5) | |
| BBB Rating | A+ | A+ |
| NAIC Complaint Index | 1.12% for individual health insurance | 1.15% for individual health |
| Market Share Percentage | 20% | |
| Financial Strength | Excellent |
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Pros & Cons of Ambetter or Cigna
Pros
Ambetter
- Ambetter provides coverage to individuals who don’t qualify for traditional plans.
- Very high market share.
Cigna
- Cigna ranks as one of the largest and oldest insurance institutions in the country.
- Cigna offers individual health insurance and group health insurance.
Cons
Ambetter
- Even though premiums are low for a bronze plan, the out-of-pocket expenses are very high. You have more coverage with the Ambetter Balanced Care plan and even more coverage with the Ambetter Secure Care plan, which has higher monthly payments and low out-of-pocket expenses.
Cigna
- Cigna only provides full coverage in 12 states: Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Missouri, North Carolina, South Carolina, Tennessee and Texas.
Ambetter and Cigna Mobile Apps Options
The Cigna app allows you to view your digital ID Card, find a doctor, file claims, make payments and more.
| Ambetter Mobile App | ||
|---|---|---|
| Ambetter does not currently have a mobile app. | ||
| Cigna Mobile App | ||
|---|---|---|
| iOS | 4.8/5 | 97,854 users |
| Android | 4.5/5 | 10,534 users |
Ambetter and Cigna Enrollment Process
Ambetter
Ambetter is available through the health insurance marketplace or you can get several free quotes here. Each state has its own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/.
Cigna
Cigna is available through the health insurance marketplace, by searching plans here or you can get several free health insurance quotes here. Each state has its own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov. Also, remember that CareSource only covers Ohio, Kentucky, Indiana Georgia, and West Virginia.
How to File a Claim with Ambetter and Cigna Insurance
Ambetter
If you receive non-emergency services from an out-of-network provider, you may be responsible for the entire cost of the medical bill, unless otherwise required by state or federal regulations. To take full advantage of your Ambetter coverage, it is important to only use in-network providers. To appeal a claim that was denied by Ambetter, the member should contact 1-877-687-1197.
Cigna
To file a claim with Cigna Health Insurance, use this form. Follow instructions on page 2 of the form. Mail your completed claim form with original itemized bills, to the Cigna HealthCare Claims Office, which is printed on your Cigna HealthCare ID card. For questions, you may call 1 (800) 997-1654.
Common Questions About Cigna and Ambetter Insurance
Ambetter
Does Ambetter cover surgery?
Ambetter covers necessary surgery but not cosmetic surgery or other elective types of surgery and procedures, including infertility treatment.
Who underwrites Ambetter insurance?
Several different subsidiaries of Centene Corporation underwrite Ambetter Insurance. For instance, Ambetter of Tennessee is underwritten by Celtic Insurance Company.
Does Ambetter cover mammograms?
Yes, preventive services like mammograms are covered by Ambetter for women age 50 to 54 once a year and women age 55 and over only need a mammogram every 2 years. For women age, 50 to 69 mammography is recommended. Women below the age of 50, who have complications are covered if abnormalities are detected.
How to cancel Ambetter insurance?
You should call or write your insurance to cancel your Ambetter insurance. You can find the contact number and address on your ID card.
Cigna
Is Cigna good insurance?
Cigna is a trusted name when it comes to health care. They have a relatively low complaint ratio considering the size of the company. They also offer health insurance to U.S. expatriates living abroad.
What are Cigna Health Benefits?
Cigna offers health benefits for individuals and families. They also offer dental insurance, Medicare, Medicare Supplement plans, other supplemental insurance plans and international health insurance. You can also get Cigna group health insurance if you buy it from your employer.
What insurance plans does Cigna offer?
Cigna offers health benefits for individuals and families. They also offer dental insurance, Medicare, Medicare Supplement plans, other supplemental insurance plans and international health insurance. You can also get Cigna health insurance if you buy it from your employer.
Does Cigna offer a life insurance plan?
Yes, Cigna offers term life insurance, group life insurance and final expense whole life insurance. You can buy a plan for individuals or through employers that offer it.
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Ambetter and Cigna Insurance Contact Info
| Ambetter Contact Info | |
|---|---|
| Address | Ambetter from Coordinated Care, 1145 Broadway, Suite 300, Tacoma, WA 98402 |
| Phone | 1 (877) 687-1197 |
| Website | https://www.ambetterhealth.com/ |
| https://www.facebook.com/AmbetterHealthcare/ | |
| Youtube | https://www.youtube.com/channel/UC1fien5XXb1voeybJcWr6kQ |
| https://twitter.com/Centene | |
| https://www.linkedin.com/company/centene-corporation/ | |
| Cigna Contact Info | |
|---|---|
| Address | 900 Cottage Grove Rd, Bloomfield, CT 06002 |
| Phone | 1 (800) 997-1654 |
| Website | https://www.cigna.com/ |
| https://www.facebook.com/CIGNA/ | |
| Youtube | https://www.youtube.com/cigna |
| https://twitter.com/Cigna | |
| https://www.linkedin.com/company/cigna/ | |
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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