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Cigna vs. Molina Insurance
Which health insurance company is the best option for you and your family? Compare Cigna and Molina 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 |
Editorial Standards SmartFinancial Offers Unbiased, Fact-based Information. Our fact-checked articles are intended to educate insurance shoppers so they can make the right buying decisions. Learn More
Cigna vs. Molina: 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 were 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.
Molina Healthcare was founded in 1980 by C. David Molina, an emergency room physician in Long Beach, CA. After seeing that patients were being turned away because the hospital would not accept Medi-Cal, he established his first primary care clinic in Wilmington, California in 1980. His goal was to treat the lowest-income patients. For 20 years, his son and fellow physician, J. Mario Molina, ran the company while he served as president and CEO. His younger son, John, was the CFO of Molina Healthcare. The two sons took over the company after their father’s death in 1996.
To learn more about each company, you can check out the Cigna Overview and Molina Overview.
What is Cigna and Molina Insurance Rating?
Which health insurance company is better? We've made it easy to compare companies side by side. See how Cigna and Molina ranked among the industry ratings.
| Comparison | Cigna | Molina |
|---|---|---|
| Year Founded | 1792 | 1980 |
| Medicare Star Rating | 3.5 stars (out of 5) | 3.5 stars (out of 5) |
| BBB Rating | A+ | F |
| NAIC Complaint Index | 1.15% for individual health |
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Pros & Cons of Cigna or Molina
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.
Molina
- Affordable coverage for underserved communities, like Medicaid and Medicare recipients.
- Affordable marketplace plans for people who do not qualify for Medicaid or Medicare.
- Popular mobile app makes it easy to stay on top of your account.
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.
Molina
- Molina Healthcare only offers Medicaid plans in California, Florida, Illinois, Michigan, New Mexico, New York, Ohio, Puerto Rico, South Carolina, Texas, Utah, Washington and Wisconsin.
Cigna and Molina Mobile Apps Options
The Cigna app allows you to view your digital ID Card, find a doctor, file claims, make payments, and more.
The Molina app allows users to find doctors, hospitals, and pharmacies, view claims, and pay your bill.
| Cigna Mobile App | ||
|---|---|---|
| iOS | 4.8/5 | 97,854 users |
| Android | 4.5/5 | 10,534 users |
| Molina Mobile App | ||
|---|---|---|
| iOS | 4.6 | 1.6K users |
| Android | 2.9 | 351 users |
Cigna and Molina 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 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.
Molina
Molina offers plans through the health insurance marketplace. You can begin 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/. You can also schedule a personal appointment with a local Kaiser Permanente Medicare specialist: 1-866-973-4588.
How to File a Claim with Cigna and Molina 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.
Molina
To submit claims for reimbursement, contact member services at 1-888-898-7969. You can only inquire about 3 or fewer claims per call. You can also submit claim to: Molina Healthcare, P.O. Box 22668, Long Beach, CA 90801. You must make timely submissions of your claims or else you may forfeit your right to payment. For filing limits and instructions about electronic claims submissions with Molina Healthcare visit here.
Common Questions About Molina 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.
Molina
Is health insurance from Molina healthcare good?
While complaints are common on BBB, Molina offers a competitive managed care option for Medicaid and Medicare recipients. It is generally well regarded by the underserved and lower-income communities who use it.
What are Molina’s dual options?
Molina Dual Options is a health plan that contracts with both Medicare and Medi-Cal to provide benefits of both programs to members. This plan is also called Cal MediConnect in California.
Does Walgreens accept Molina’s insurance?
As of January 1, 2017, Molina’s Medicaid pharmacy network no longer accepts Walgreens. Molina Medicare members, however, may continue using Walgreens. Walgreens does not participate in the Molina Marketplace pharmacy network.
Which dentists take Molina insurance?
Molina Healthcare covers dental services including oral surgery, x-rays, sealants, fillings, crowns (caps), root canals, dentures and extractions. It also covers a dental exam and one cleaning every six months. To find a provider, visit here and at the top of the page pick your state. At the bottom of the page you’ll be directed to an online provider directory.
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Cigna and Molina 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/ | |
| Molina Contact Info | |
|---|---|
| Address | 200 Oceangate, Suite 100, Long Beach, CA 90802 |
| Phone | 1 (562) 435-3666 |
| Website | https://www.molinahealthcare.com/ |
| https://www.facebook.com/groups/Molinaheathcare/ | |
| Youtube | https://www.youtube.com/user/MolinaHealthcare |
| https://twitter.com/molinahealth | |
| https://www.linkedin.com/company/molina-healthcare/ | |
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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