Cigna vs. Aetna Insurance

Which health insurance company is the best option for you and your family? Compare Cigna and Aetna side by side.

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Cigna vs. Aetna: What You Need to Know

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.”

In 2016, technology was the priority. Cigna’s created the Cigna One Guide, a proactive engagement to stay healthy, and Cigna SureFit, a collaboration between physician’s networks and hospital groups to optimize services for customers. Cigna’s Health Improvement Tour (HIT) began offering free health screenings and coaching to individuals without health care access. In 2017, Cigna acquired Brighter, to engage consumers digitally and connect them with providers. Cigna also continued to reduce opioid use by sponsoring forums, like “Addiction in America” in Washington D.C and “Generation Listen” for NPR and more. In 2018, Cigna completed its merger with Express Scripts to improve affordability and choice. Together they invested $200 million to support local communities on topics of health. They also launched Healthier Kids for Our Future to improve the health and well-being of children across the globe.

In 1850, Aetna Insurance Company created a fund to sell life insurance. In 1953 the life and health divisions of Aetna separated. The company’s first president was Eliphalet A. Bulkeley. The name “Aetna” was taken from an 11,000-foot volcano in Sicily, Italy, which was also the most active volcano in Europe.

To learn more about each company, you can check out the Cigna Overview and Aetna Overview.

What is Cigna and Aetna Insurance Rating?

Which health insurance company is better? We've made it easy to compare companies side by side. See how Cigna and Aetna ranked among the industry ratings.

ComparisonCignaAetna
Year Founded17921853
Medicare Star Rating3.5 stars (out of 5)
BBB RatingA+A+
NAIC Complaint Index1.15% for individual health6.27 for individual health insurance
Market Share Percentage4.53%
Financial StrengthExcellent
A.M. Best RatingA+

Pros & Cons of Cigna or Aetna

Pros

Cigna
  • Cigna ranks as one of the largest and oldest insurance institutions in the country.
  • Cigna offers individual health insurance and group health insurance.
Aetna
  • Aetna is one of the largest insurance carriers and has a vast network of providers.

Cons

Cigna
  • Cigna only provides full coverage in 12 states: Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Missouri, North Carolina, South Carolina, Tennessee and Texas.
Aetna
  • It’s not very easy to buy Aetna Insurance unless it’s offered by an employer.

Cigna and Aetna Mobile Apps Options

The Cigna app allows you to view your digital ID Card, find a doctor, file claims, make payments and more.

The Aetna Health app allows you to find a doctor in your area and see estimates of what certain procedures may cost. You can also view your benefits, review account balances, and manage your claims. The App is available on ios and Android.

Cigna Mobile App
iOS     4.8/597,854 users
Android     4.5/510,534 users
Aetna Mobile App
iOS     4.529.3K users
Android     3.42,316 users

Cigna and Aetna Enrollment Process

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 their 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.

Aetna

Aetna is available through participating employers. You can also buy an individual or family plan directly from Aetna, the health insurance marketplace or you can get several free quotes here.

At this time, Aetna offers Medicare, Medicaid, student health insurance and international insurance. For individual and family plans, they offer plans through eHealth, which compares rates from several companies for Affordable Care Act plans, short-term plans and medical indemnity plans.

How to File a Claim with Cigna and Aetna Insurance

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.

Aetna

If you use a network doctor or hospital, your claims will be submitted by that provider. If you see an out-of-network provider, you need to submit the claim yourself. You must submit a completed claim form or alternative documentation via fax or mailing address. As an alternative to sending a claim form, supply a description of services, a bill of charges from the provider and any medical documents you received from your provider.

Common Questions About Aetna and Cigna Insurance

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.

Aetna

What type of health plans does Aetna offer?

Aetna offers Aetna Medicare, Aetna Medicaid, student health insurance and international insurance. They offer Affordable Care Act plans, short-term plans and medical indemnity plans through e-Health, which compares insurance partners’ rates for you. Or, you can just visit here for free health insurance quotes.

What pharmacy accepts Aetna insurance?

Medicare Part D plans have a network of participating pharmacies you can find here. For all other types of plans, visit here to find a pharmacy.

Does Aetna insurance cover hearing aids?

Most Aetna plans exclude coverage for hearing aids. Any applicable benefit plan exclusions and limitations for coverage of hearing aids would apply to air conduction hearing aids, implantable hearing aids and semi-implantable hearing aids.

Is Aetna insurance Medicaid?

Aetna offers Medicaid plans, which vary according to individual state Medicaid programs and has a different name in each state.

Cigna and Aetna Insurance Contact Info

Cigna Contact Info
Address900 Cottage Grove Rd, Bloomfield, CT 06002
Phone1 (800) 997-1654
Websitehttps://www.cigna.com/
Facebookhttps://www.facebook.com/CIGNA/
Youtubehttps://www.youtube.com/cigna
Twitterhttps://twitter.com/Cigna
Linkedinhttps://www.linkedin.com/company/cigna/
Aetna Contact Info
Address151 Farmington Ave., Hartford, CT 06156
Phone1 (800)-872-3862
Websitehttps://www.aetna.com/
Facebookhttps://www.facebook.com/aetna/
Youtubehttps://www.youtube.com/aetna
Twitterhttps://twitter.com/Aetna
Linkedinhttps://www.linkedin.com/company/aetna/

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