Cigna Assurance i hoʻohui muaʻia i ka hoʻomakaʻana o kona hale makua,ʻO ka Insurance Company of North America (INA) i hoʻokumuʻia i ka makahiki 1792. Hoʻokumu i ka hoʻolaha i nā mea e pili ana i nāʻinikua ola kino,ʻae niho, ola a me nā pono kīnā.
Ua loaʻa iā ia nā kūlana kiʻekiʻe loa mai kēia mauʻahaʻainaʻaina :
- AM maikaʻi : "maikaʻi"
- Moody's Investor Service : "A1 Hōʻike kiʻekiʻe me ka hopena pili kālā haʻahaʻa"
- Kūlana & Poor (S & P): "AA- Kaha ikaika loa"
- ʻO Fitch : "A + ikaika"
Ua loaʻa i ka hui nā hōʻailona lawelawe lawelawe a hōʻoia mai ka JD Power & Associates no nā makahiki heʻehā. Uaʻikeʻia ka ConsumerReports.org i ka Cigna me kahi helu 84 mai loko mai o ka helu helu hōʻemi helu o nā kānalua.
Pāʻoihana maikaʻi maikaʻi maikaʻi
Ma ka manawa o kēia kākauʻana, loaʻaʻo Cigna i ka hoʻonākiuki BBB ma ka kaliʻana. Ua weheʻia ka pūnaewele Cigna me ka BBB i ka makahiki 1929 a he "ʻaelike" A. He 28 mau hōʻailona kūʻai mea kūʻai; 26ʻikeʻole a me 2 nānā kūponoʻole. Loaʻa he 414 mau helu hōʻaia kiko'ī i heluʻia: 16 mau pāʻoihana / kūʻai; 110 nā hihia pili kālā / kāpili; 16 hoʻouka hoʻolaha; 2 hōʻoia / hōʻoia pilikia a me 270 mau pilikia i heluʻia me nā huahana / lawelawe. Loaʻa ka heluʻo Cigna o 3.73 mai loko mai o 5 mau hōkū.
ʻO Cigna Dental Plans
Cigna e hāʻawi ana i ka'anima niho holoʻokoʻa ma waena oʻAmelika Hui Pūʻia a ma nā wahi'ē aʻe hoʻi ma ke ao holoʻokoʻa
ʻAʻole ia e hāʻawi i ka hoʻopiliʻana ma nā moku'āina o New York a me Washington. Hāʻawiʻo ia iʻekolu mau manaʻo no ka hoʻokomoʻana i kāu pono a me ka hoʻolālā kālā:
- MyCigna Hoʻoponopono Kekona : Hoʻolālā kēia papahana i 100 pakeneka ka nui no nā lawelawe palekana a me nā diagnostics. Loaʻa nā'āpana no nā lawelawe hoʻomanaʻo hou a me nāʻoihana orthodontic.
- ʻO koʻu'aeʻu me ka MyCigna 1000 :ʻO kēia kumumanaʻo he $ 50 i unuhiʻia a hiki i kaʻohana e hiki ke unuhiʻia he $ 150 makahiki. ʻO ka uku kūpono makahiki inā $ 1,000. Loaʻa iāʻoe kahi keʻena no ka mālama pale, nā hōʻailona hōʻailona a me nā lawelawe hou. Loaʻa i kahi hoʻolimalima no ka hana o nā koikoneta i ka hoʻohanaʻana i ka mea lawelawe pūnaewele.
- myCigna Dental 1500 :ʻO kēia kumumanaʻo he $ 50 i unuhiʻia a hiki i kaʻohana e hiki ke unuhiʻia he $ 150 makahiki. ʻO ka uku kūpono makahiki inā $ 1,000. Loaʻa iāʻoe kahi keʻena no ka mālama pale, nā hōʻailona hōʻailona a me nā lawelawe hou. ʻO kaʻokoʻa nui ma Dental 1000ʻo kēia kumumanaʻo kahi e pili ana i kahi $ 2,000 o ka mālama ponoʻana o ka pilina e pili ana i nā poʻe o nā makahiki.
Nā lawelawe a me nā koho
- aia i kaʻu mycigna kahi polokalamu kelepona maikaʻi e hiki ai ke maʻalahi e loaʻa i kahi kāpena mea kikowaena. Hiki iāʻoe ke nānā i kāu keena a hōʻike i kāu palapalaʻinikua ID me kēia polokalamu.
- Hiki iāʻoe ke loaʻa kāu mau'ōlelo pilikino hōʻailona a me ka lolo.
- ʻAʻohe pono e hoʻouna i nā koi. Hoʻopili ponoʻia kēia ma o ka hui pūnaewele Cigna.
- Me ka noi a myCigna.com, hiki iāʻoe ke komo i nā pāʻoihana a me nā kuleana pili kelepona a hiki ke loaʻa i ka pūnaewele nā uku.
- ʻAʻole ponoʻoe e nānā i kahi kāpena o waho no ka lawelaweʻana i nāʻoihana kūikawā.
- Loaʻa iāʻoe kahi pūnaewele nui Cigna e koho ai me nā 72,000 mau lapaʻau ma ka pūnaewele hoʻolaha Cigna.
- Hiki iāʻoe ke koho i ke kākā'ōlelo i waena a me waho paha. ʻOiaʻiʻo, e loaʻa iāʻoe kahi kālā nui aʻe i ka kohoʻana i ka laikō ni-pūnaewele.
- Hiki ke hoʻohanaʻia kekahi o nā uku i loaʻa i nā mea pūnaewele waho.
Nā Paʻa a me nā Kānana
Kākoʻo: Cigna kekahi kamupaneʻia hoʻolālā kālā a loaʻa iā ia he pūnaewele lawelawe nui aʻoi aku ma kahi o 70,000 mau niho. ʻOiai e hiki iāʻoe ke koho i kahi pūnaewele pūnaewele a iʻole ka waho pūnaewele,ʻo ka loaʻaʻana o kāu nūkini nui ma ka hoʻohanaʻana i ka laikō mai ka hui pūnaewele PPO. Hoʻoponopono nā niho i nā'ōnaehana maʻamau, nā hua'ōlelo a me nā hoʻomaʻemaʻeʻelua i kēlā me kēia makahiki. ʻO ke kumumanaʻo maʻamau, myCigna Dental Preventive, e uku i 100 pakeneka akā aia wale nō e uhi i nā lawelawe palekana. ʻO Cigna ke hāʻawi aku i ka honua holoʻokoʻa, no laila he mea kēia e hoʻomanaʻo ai inā ponoʻoe e hele i nā'āina'ē a neʻe paha i kahi'ē.
Cons: Hiki iāʻoe ke koho e hoʻohana i kahi mea kikowaena pūnaewele a i waho paha. Eia naʻe, hiki ke hoʻohanaʻia nā uku i waho o ka pūnaewele ināʻoi aku ka nui o ka uku i ukuʻia e Cigna. ʻAʻole hiki ke loaʻa nā māhele a me nā koho a pau ma kēlā me kēia moku'āina aʻaʻohe puka i New York aiʻole Washington. ʻOiai he kūpono o kaʻae niho maikaʻi,ʻaʻole i uhiʻia ka nui o nā koina e like me kekahi mea'ē aʻe. ʻOiaiʻo Cigna e kū nei i nā kūlana hoʻolālā kōkua nui, aia kekahi mau hoʻopiʻi i heluʻia ma nā wahi o nā huahana a me nā lawelawe.
Hoʻokaʻaʻike
No kaʻike houʻana e pili ana i nā koho alaikapuni o Cigna a iʻole kona mau hua laikini ola kino'ē aʻe, hiki iāʻoe ke kipa i ka pūnaewele Cigna ma ke kelepona 1-800-243-6998, 24 mau lā i ka lā,ʻehiku lā o ka pule. Aia kekahi puka lāʻau lapaʻau home 1-800-285-4812. No nā mea kuleana e loaʻa hou ana nā nīnau e pili ana i nā pale niho i ka myCigna.com.