History of Cigna

Originally founded in 1792 as the Insurance Company of North America (INA), CIGNA Healthcare is one of the oldest stockholder-owned insurance companies in the nation, with its first life policy being written in 1794. Since that time, CIGNA Healthcare has grown to be one of the most reputable employee benefit companies nationwide, offering a wide variety of health plans to its many members.

Cigna Health Plans

Among its many plans, CIGNA offers CIGNA Choice Fund, a variety of consumer driven health plans consisting of Health Savings Accounts, Health Reimbursement Accounts and Flexible Spending Accounts. Also offered through CIGNA are the CIGNA HMO and Network plans, CIGNA Point of Service plans (POS), CIGNA PPO’s, CIGNA Indemnity plans and CIGNA Open Access Plus plans. CIGNA offers its broad range of plans to individuals and families as well as groups of all sizes.

With health care and its cost becoming more of a personal choice, the CIGNA Choice Fund plans, which include the HSA, HRA and FSA, allow CIGNA members more freedom of choice in making decisions that best meet their healthcare needs, while offering a variety of tax advantages and occasion to save for future medical expenses.

CIGNA's HMO and Network plans require each participating member to choose a Primary Care Physician (PCP) from which to seek treatment. CIGNA’s HMO and Network plans provide continued access to quality care and a large network of participating physicians.

The CIGNA Indemnity plan puts the consumer in control of their health care choices, allowing you to obtain treatment from the doctor of your choosing at the facility of your choice. The Indemnity plan requires the consumer to pay for doctor office visits and treatment and, once the deductible and coinsurance amounts have been met, seek reimbursement from the insurer.

The CIGNA PPO plan, as with most PPO plans, provides you with in-network and out-of-network benefits. Consumers utilizing this plan are encouraged to stay in-network while obtaining treatment as benefits are paid on a higher scale and out-of-pocket costs are less. Emergency and Urgent Care treatment is covered as in in-network benefit under this type of plan.

Offering a vast portfolio of individual and group product in the way of medical, dental, behavioral health, pharmacy and vision benefits as well as group life, accident and disability insurance, CIGNA provides health care coverage to more than 47 million members worldwide. To facilitate all its members CIGNA boasts of an unsurpassed Customer Service program, which provides helpful personal service to all members worldwide, as well as offering a customized personalized self-service website for its members to utilize any time of the day or night.

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