HCSC vs. Cigna Insurance

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 vs. Cigna: What You Need to Know

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.

What is HCSC and Cigna Insurance Rating?

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.

ComparisonHCSCCigna
Year Founded19291792
Medicare Star Rating3 stars (out of 5)3.5 stars (out of 5)
BBB RatingA+A+
NAIC Complaint Index0.40% for individual health1.15% for individual health

Pros & Cons of HCSC or Cigna

Pros

HCSC
  • Affordable marketplace plans with different tiers of coverage.
Cigna
  • Cigna ranks as one of the largest and oldest insurance institutions in the country.
  • Cigna offers individual health insurance and group health insurance.

Cons

HCSC
  • HCSC only operates in 5 states: Illinois, Montana, New Mexico, Oklahoma, and Texas.
Cigna
  • Cigna only provides full coverage in 12 states: Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Missouri, North Carolina, South Carolina, Tennessee, and Texas.

HCSC and Cigna Mobile Apps Options

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
iOS     4.8/597,854 users
Android     4.5/510,534 users

HCSC and Cigna Enrollment Process

HCSC

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

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.

How to File a Claim with HCSC and Cigna Insurance

HCSC

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.

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.

Common Questions About Cigna and HCSC Insurance

HCSC

What is the difference between HCSC and BCBS?

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.

What are some HCSC subsidiaries?

Dearborn Group, Dental Network of America, Inc (DNoA), Medecision, Inc., Availity, LLC, Prime Therapeutics, LLC and TriWest Healthcare Alliance.

Is HCSC a publicly-traded company?

HCSC is a mutual insurance company, which means that it is customer-owned.

What states does the HCSC insurance cover?

HCSC only operates in 5 states: Illinois, Montana, New Mexico, Oklahoma and Texas.

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.

HCSC and Cigna Insurance Contact Info

HCSC Contact Info
Address300 E. Randolph St. Chicago, IL 60601
Phone1 (800) 654-7385
Websitehttps://www.hcsc.com/
Facebookhttps://www.facebook.com/healthcareservicecorporation/
Youtubehttps://www.youtube.com/user/HealthCareService
Twitterhttps://twitter.com/HCSC
Linkedinhttps://www.linkedin.com/company/blue-cross-and-blue-shield-of-illinois-new-mexico-oklahoma-&-texas/life/4548c167-e254-4ffd-a356-7892967212c3/
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/

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