Cigna vs. Anthem Insurance

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

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Cigna vs. Anthem: 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 2004, WellPoint Health Networks Inc and Anthem, Inc. merged and became the nation’s leading health benefits company. In December 2014 WellPoint Inc. changed its corporate name to Anthem, Inc. The Anthem companies offer health care plans and related services like dental, vision, behavioral health, life insurance and disability insurance benefits as well as long-term care insurance and flexible spending accounts. Anthem has about 40 million members and is ranked 33rd on the Fortune 500.

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

What is Cigna and Anthem Insurance Rating?

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

ComparisonCignaAnthem
Year Founded17922004
Medicare Star Rating3.5 stars (out of 5)
BBB RatingA+A+
NAIC Complaint Index1.15% for individual health0.30% for individual health insurance
Market Share Percentage6.3%
Financial StrengthExcellent
A.M. Best RatingA-

Pros & Cons of Cigna or Anthem

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.
Anthem
  • Anthem Inc. is one of the largest providers of health insurance plans in the country, serving approximately 40 million members
  • Anthem Inc. is a financially secure health insurance carrier.

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.
Anthem
  • Anthem received some bad press in 2014, for refusing to cover the hospitalization of a man with stage 4 cancers. Anthem ended up paying for coverage after public outcry.
  • In 2017, Anthem was fined for untimely responses to complaints.

Cigna and Anthem Mobile Apps Options

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

The Anthem Medicaid app is only available to policyholders in 5 states. Indiana, Kentucky, Nevada, Wisconsin and Virginia. The app allows users to find doctors, hospitals, and pharmacies, view claims, pay your bill, and manage your prescriptions.

Cigna Mobile App
iOS     4.8/597,854 users
Android     4.5/510,534 users
Anthem Mobile App
iOS     2.242 users
Android     2.9101 users

Cigna and Anthem 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.

Anthem

Anthem is available through the health insurance marketplace or you can get several free quotes here. Each state has their own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/.

How to File a Claim with Cigna and Anthem 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.

Anthem

Make sure you use the claim form from your benefit plan because each type is different. You’ll need to get procedures codes from your doctor’s office. File the paperwork within the time limit. Include pre-approval if it’s needed.

Common Questions About Anthem and Cigna Insurance

Cigna

What states does Cigna cover for individuals and families?

Cigna offers individual health insurance plans for individuals and families in AZ, CO, FL, IL, KS, MO, NC, TN, UT and VA.

How does the Cigna Telehealth Connection program work?

With Cigna Telehealth Connection, you can connect with a board-certified doctor via video chat or phone to get prescriptions for minor conditions.

What is Cigna Healthspring?

Cigna HealthSpring is a health services company that caters to Medicaid and Medicare beneficiaries to personalize their care plans at an affordable cost.

What lab does Cigna insurance use?

Cigna has an extensive participating national laboratory network that includes Quest Diagnostic and LabCorp.

Anthem

Are the Anthem Insurance reviews positive or negative?

The complaint ratio on individual health plans is lower than complaint ratios on group health plans. Both falls below the average number of complaints compared with other carriers.

Is Anthem medical insurance good?

Anthem is a trusted medical insurance provider that serves millions of Americans. Complaint ratios, however, tend to be a bit higher than average on group insurance plans.

How does Anthem deductible work?

Like most health care plans, Anthem has an annual flat-dollar deductible you must meet before your plan begins to pay your medical expenses.

Is Anthem Blue Cross the same as Blue Shield?

Anthem offers health insurance as a Blue Cross Blue Shield affiliate.

Cigna and Anthem 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/
Anthem Contact Info
Address220 Virginia Avenue Indianapolis, IN 46204
Phone1 (800) 331-1476
Websitehttps://www.anthem.com/
Facebookhttps://www.facebook.com/AnthemBlueCrossBlueShield/
Youtubehttps://www.youtube.com/channel/UCInrJqNqrSpvHwNErijbVyg
Twitterhttps://twitter.com/AnthemInc
Linkedinhttps://www.linkedin.com/company/antheminc/

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