Humana vs. Cigna Insurance

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

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Humana vs. Cigna: What You Need to Know

In 2001, Humana partnered with Navigy to create an online web portal called availity.com, which enables physicians and health providers to conduct business with the two companies. Four years later Human partnered with Virgin Group, offering financial incentives to those with healthier lifestyles. In 2006, Humana launched RightSource, a nationwide pharmacy business. In March 2008, Fortune Magazine named Humana one of the top five “most admired healthcare companies in the U.S.

Humana (HUM) is the third-largest health insurance provider in the US. Their headquarters are in Louisville, Kentucky. Humana has over 13 million customers in the U.S and is 73rd in Fortune 500 rankings. Humana no longer offers individual medical insurance. However, you can shop rates on their website with partner carriers. Or, you can compare quotes with SmartFinancial.

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.

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

What is Humana and Cigna Insurance Rating?

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

ComparisonHumanaCigna
Year Founded19611792
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 Humana or Cigna

Pros

Humana
  • Humana Health Insurance is a trusted and reliable source for Medicare Supplements and Medicare Advantage.
  • Humana offers commercial health insurance options.
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

Humana
  • Humana Health Insurance no longer offers individual and family health plans.
Cigna
  • Cigna only provides full coverage in 12 states: Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Missouri, North Carolina, South Carolina, Tennessee, and Texas.

Humana and Cigna Mobile Apps Options

The MyHumana app allows users to find doctors, hospitals, and pharmacies, view claims, and pay your bill. They also offer an app called Humana Pharmacy which helps you to manage your prescriptions.

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

Humana Mobile App
iOS     3.1561 users
Android     3.93,372 users
Cigna Mobile App
iOS     4.8/597,854 users
Android     4.5/510,534 users

Humana and Cigna Enrollment Process

Humana

You can begin the enrollment process here or you can have an agent assist you for several free health insurance quotes.

Cigna

Cigna is available through the health insurance marketplace, by 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 https://www.healthcare.gov. Also, remember that CareSource only covers Ohio, Kentucky, Indiana Georgia, and West Virginia.

How to File a Claim with Humana and Cigna Insurance

Humana

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.

Paper claims and encounters submission addresses for Humana medical claims:

Humana Claims: P.O. Box 14601, Lexington, KY 40512-4601

HumanaDental® claims: P.O. Box 14611, Lexington, KY 40512-4611

Humana encounters: P.O. Box 14605, Lexington, KY 40512-4605

Claim overpayments: Humana, P.O. Box 931655, Atlanta, GA 31193-1655

HumanaOne® claim submissions: HumanaOne, P.O. Box 14635, Lexington, KY 40512-4633

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 Humana Insurance

Humana

What is Humana Basic Rx Plan™?

The Humana Basic Rx Plan remains the same and is designed to keep copays between $0 and $1 after a deductible.

Where is the policy number on the Humana insurance card?

Your policy number can be found on the front of your insurance card.

Is Humana dental insurance good?

Humane offers PPO, DHMO, discount, and value dental plans. You can find dental insurance for any budget. Humana also has an extensive list of in-network providers.

What does Humana’s vision plan cover?

Humana’s affordable vision plan includes an annual vision exam, yearly allowance toward contact lenses or set of eyeglass lenses with minor copay plus options for specialty lenses (progressive bifocals, anti-scratch, tinted, etc.), frame allowance every 12-24 months (includes designer brands) and potential discounts on services like Lasik or PRK.

Check out our full list of common questions about Humana.

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.

Check out our full list of common questions about Cigna.

Humana and Cigna Insurance Contact Info

Humana Contact Info
Address300 E. Randolph St. Chicago, IL 60601
Phone1 (800) 654-7385
Websitehttps://www.humana.com/
Facebookhttps://www.facebook.com/Humana/
Youtubehttps://www.youtube.com/humana
Twitterhttps://twitter.com/Humana
Linkedinhttps://www.linkedin.com/company/humana/
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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