Which health insurance company is the best option for you and your family? Compare HCSC and Cigna side by side.
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HCSC serves over 15 million members with a variety of group and individual health care plans, services and life insurance products. As a pioneer in many states, HSBC was the first to do many things. In Illinois, HCSC was the first to provide coverage for bone marrow transplants, heart transplants and to provide group health insurance to rural and small communities as well as the first CareVan as a mobile immunization program. In Texas, they were the first to provide coverage for cancer treatment, catastrophic diseases like polio, leukemia and diptheria, and they provided healthcare starting at birth. They also provided coverage to migrant farmworkers in Texas. In New Mexico, HCSC was the first to offer PPO coverage, point-of-service coverage, electronics claims exchange with providers, customer service for large group accounts, and in-hospital medical coverage on a per-visit basis. In Oklahoma, HCSC was the first to create a mobile health screening unit and free screenings for vision, hearing, glaucoma, blood, and blood pressure.
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 HCSC Overview and Cigna Overview.
Which health insurance company is better? We've made it easy to compare companies side by side. See how HCSC and Cigna ranked among the industry ratings.
|Medicare Star Rating||3 stars (out of 5)||3.5 stars (out of 5)|
|NAIC Complaint Index||0.40% for individual health||1.15% for individual health|
Each state has its own HCSC / Blue Cross Blue Shield app on iTunes and GooglePlay. The app allows users to find doctors, hospitals, and pharmacies, view claims, pay bill, and manage prescriptions.
The Cigna app allows you to view your digital ID Card, find a doctor, file claims, make payments, and more.
|HCSC Mobile App|
|HCSC mobile app varies by State|
|Cigna Mobile App|
HCSC offers plans through the health insurance marketplace. You can begin searching plans here or you can get several free health insurance quotes.
Each state has its own marketplace. If you’re not sure where to begin, visit Healthcare.gov. Remember that HCSC only operates in 5 states: Illinois, Montana, New Mexico, Oklahoma, and Texas.
Cigna is available through the health insurance marketplace, by searching plans 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.
To submit electronic claims, you or your billing agent need to use a third-party claims clearinghouse vendor, like Availity. For paper claims, you need to complete the right claim forms.
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.
BCBS stands for Blue Cross Blue Shield, which is a federation of 36 separate health insurance companies. It was formed in 1982. Blue Cross (hospital services) and Blue Shield (physician services) operated separately until 1975 when they became one as Health Care Service (HCSC) Corporation. HCSC is an independent licensee of the Blue Cross and Blue Shield Association.
Dearborn Group, Dental Network of America, Inc (DNoA), Medecision, Inc., Availity, LLC, Prime Therapeutics, LLC and TriWest Healthcare Alliance.
HCSC is a mutual insurance company, which means that it is customer-owned.
HCSC only operates in 5 states: Illinois, Montana, New Mexico, Oklahoma and Texas.
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.
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.
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.
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.
|HCSC Contact Info|
|Address||300 E. Randolph St. Chicago, IL 60601|
|Phone||1 (800) 654-7385|
|Cigna Contact Info|
|Address||900 Cottage Grove Rd, Bloomfield, CT 06002|
|Phone||1 (800) 997-1654|
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