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Oscar vs. Cigna Insurance
Which health insurance company is the best option for you and your family? Compare Oscar and Cigna 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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Oscar vs. Cigna: What You Need to Know
In 2012, Oscar Ceo Mario Schlosser and his wife were preparing to have a baby and saw how difficult it was to navigate through the healthcare system. Schlosser’s friend, Josh Kushner, had also had a similar frustration in treating an injury. They founded Oscar Health on a hope to help consumers feel less powerless in managing their health. What makes Oscar different is the Concierge Team that guides members and handles customer service questions and coordination of clinical care.
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 Oscar Overview and Cigna Overview.
What is Oscar and Cigna Insurance Rating?
Which health insurance company is better? We've made it easy to compare companies side by side. See how Oscar and Cigna ranked among the industry ratings.
| Comparison | Oscar | Cigna |
|---|---|---|
| Year Founded | 2012 | 1792 |
| Medicare Star Rating | 3.5 stars (out of 5) | |
| BBB Rating | A+ | A+ |
| NAIC Complaint Index | 0.12% | 1.15% for individual health |
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Pros & Cons of Oscar or Cigna
Pros
Oscar
- Affordable marketplace plans with different tiers of coverage.
- Health plan concierges who offer guidance and answer questions.
- Very low complaint ratio, which means they offer great customer service.
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
Oscar
- Oscar Health Insurance is only available in New York, California, Texas, New Jersey, Ohio, Tennessee, Arizona, Florida, and Michigan.
Cigna
- Cigna only provides full coverage in 12 states: Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Missouri, North Carolina, South Carolina, Tennessee, and Texas.
Oscar and Cigna Mobile Apps Options
The Oscar app allows you to access your health information anytime you need it. It allows you to search for doctors & drugs and even have virtual visits with a doctor.
The Cigna app allows you to view your digital ID Card, find a doctor, file claims, make payments, and more.
| Oscar Mobile App | ||
|---|---|---|
| iOS | 4.8 | 2.5K users |
| Android | 3.3 | 433 users |
| Cigna Mobile App | ||
|---|---|---|
| iOS | 4.8/5 | 97,854 users |
| Android | 4.5/5 | 10,534 users |
Oscar and Cigna Enrollment Process
Oscar
Oscar Health Insurance offers plans through the health insurance marketplace. You can begin searching plans here or you can get several free health insurance quotes with SmartFinancial.
Each state has its own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/.
Cigna
Cigna is available through the health insurance marketplace, by searching plans here or you can get several free health insurance quotes with SmartFinancial. Each state has its own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov.
How to File a Claim with Oscar and Cigna Insurance
Oscar
Your doctor or care provider should submit a claim to the insurer. You should be covered except for copay. Your insurer will send you an explanation of benefits. If you owe anything, your doctor will send you a bill. If you visit an out-of-network provider, you will not be covered unless it was an emergency. Call 855-672-2755 with any additional questions.
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 Oscar Insurance
Oscar
Is Oscar insurance a PPO?
No, Oscar is an Exclusive Provider Organization plan or EPO. Consumers receive coverage for in-network providers and they don’t need a primary care physician to refer them to a specialist. Out-of-network providers are only accepted in case of an emergency.
What is Oscar's medicare advantage?
Medicare Advantage is the private version of Medicare. It is important to note that it’s not necessarily more expensive. To compare Medicare Advantage plans (Medicare Part C, which replaces Parts A and B), visit SmartFinancial's Medicare Insurance page.
Does Oscar cover dental?
Oscar does not offer dental or vision insurance, only medical.
Does urgent care accept Oscar insurance?
Yes, urgent care accepts Oscar insurance, which also offers the even more convenient option of telemedicine, with which you can get a prescription after talking to a doctor on the phone.
Check out our full list of common questions about Oscar.
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 is 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.
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Oscar and Cigna Insurance Contact Info
| Oscar Contact Info | |
|---|---|
| Address | 75 Varick St. 5th Fl, New York, NY 10013 |
| Phone | 1 (844) 392-7589 |
| Website | https://www.hioscar.com/ |
| https://www.facebook.com/OscarHealth/ | |
| Youtube | https://www.youtube.com/user/OscarHealthInsurance |
| https://twitter.com/OscarHealth | |
| https://www.linkedin.com/company/oscar-health/ | |
| 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/ | |
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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