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Cigna vs. CareSource Insurance
Which health insurance company is the best option for you and your family? Compare Cigna and CareSource 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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Cigna vs. CareSource: 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 1989, CareSource was founded on the premise of providing quality health care coverage for Medicaid consumers. Today it offers one of the nation’s largest Medicaid managed care plans. CareSource also offers private health insurance plans on the Health Insurance Marketplace, including Medicare Advantage and MyCare Ohio plans. CareSource has more than 1.9 million members across five states. The company employs about 3,800 people and is considered a nonprofit organization.
To learn more about each company, you can check out the Cigna Overview and CareSource Overview.
What is Cigna and CareSource Insurance Rating?
Which health insurance company is better? We've made it easy to compare companies side by side. See how Cigna and CareSource ranked among the industry ratings.
| Comparison | Cigna | CareSource |
|---|---|---|
| Year Founded | 1792 | 1989 |
| Medicare Star Rating | 3.5 stars (out of 5) | 2.5 stars (out of 5) |
| BBB Rating | A+ | A+ |
| NAIC Complaint Index | 1.15% for individual health | 7.17% |
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Pros & Cons of Cigna or CareSource
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.
CareSource
- CareSource is one of a few options that lower-income, underserved communities have for a managed health plan.
- Affordable marketplace plans with different tiers of coverage.
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.
CareSource
- CareSource has a high number of complaints.
Cigna and CareSource Mobile Apps Options
The Cigna app allows you to view your digital ID Card, find a doctor, file claims, make payments, and more.
The CareSource app allows you to view your digital ID Card, find a doctor, file claims, make payments, and more.
| Cigna Mobile App | ||
|---|---|---|
| iOS | 4.8/5 | 97,854 users |
| Android | 4.5/5 | 10,534 users |
| CareSource Mobile App | ||
|---|---|---|
| iOS | 4 | 1K users |
| Android | 3.3 | 397 users |
Cigna and CareSource 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.
CareSource
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.
How to File a Claim with Cigna and CareSource 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.
CareSource
CareSource accepts claims in various formats, including paper and electronic claims. Reimbursement is based on the prevailing state Medicaid or Medicare fee schedule. With Marketplace Plans, you can make claims inquiries at (866) 286-9949 (Indiana), (855) 852-5558 (Kentucky), (937) 224-3300 (Ohio), (678) 214 7500, (Georgia) and (855) 202-1091 (West Virginia). Visit your app or www.caresource.com to find the right claim forms for the state in which you live.
Common Questions About CareSource and Cigna Insurance
Cigna
Does Kaiser take Cigna insurance?
Kaiser only accepts Kaiser's insurance.
Does Cigna cover In Vitro Fertilization (IVF)?
Infertility is a covered condition with Cigna. Medical expenses related to the treatment of infertility are reimbursable, generally up to one year. Medical diagnosis is required. Pre-seem moisturizer is not reimbursable.
What does Cigna dental insurance cover?
Cigna Dental 1500 is $35 a month and covers up to $1,500 in restorative care, per year after deductible and coinsurance (deductible for an individual: $50, family: $150) and Orthodontia covered up to $1,000. Cigna Dental 1000 is $30 a month, covers up to $1,000 in restorative care per year, after deductible and coinsurance (deductible for an individual: $50; family: $150) without coverage for orthodontia. Cigna Dental Preventive is $19 a month and only covers preventive care if it’s in-network.
Does Cigna health insurance cover epidurals?
Epidural anesthesia is used to control pain during childbirth and is usually covered with a doctor’s prescription.
CareSource
What type of insurance is CareSource?
CareSource’s focus is on the underserved population. Most of their health plans have an income cap.
Is CareSource a HealthCare Government plan?
CareSource does offer government-subsidized plans and plans on the marketplace.
How do I know if I qualify for CareSource?
If you qualify for Medicare or Medicaid, you are eligible for CareSource. Your savings on their marketplace plans are also based on total household income. Government plans require that all incomes in the household be taken into consideration unless the person is not required to file federal taxes.
What states does CareSource cover?
CareSource covers Ohio, Kentucky, Indiana Georgia, and West Virginia.
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Cigna and CareSource Insurance Contact Info
| 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/ | |
| CareSource Contact Info | |
|---|---|
| Address | 230 N. Main St., Dayton, OH 45402 |
| Phone | 1 (937) 224-3300 |
| Website | https://www.caresource.com/ |
| https://www.facebook.com/CareSource/ | |
| Youtube | https://www.youtube.com/watch?v=GU8XjYqtJ-0 |
| https://twitter.com/caresource | |
| https://www.linkedin.com/company/caresource/ | |
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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