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CIGNA Of California

CIGNA Health of California can trace it roots back some 200+ years to 1792 where a group of citizens in Philadelphia formed the Insurance Company of North America (INA). The Cigna group of companies includes CIGNA Group Insurance, CIGNA HealthCare, and CIGNA International. Cigna provides individual health insurance, life, disability, dental, accident, and supplemental insurance products for individuals, families, the self employed, small groups, and large groups.

CIGNA HealthCare in California offer health care coverage in the following CA counties: Alameda, Butte, Contra Costa, El Dorado*, Fresno, Glenn, Kern, Kings, Los Angeles, Marin, Merced*, Placer*, Riverside*, Sacramento, San Bernardino*, San Diego, San Francisco, San Joaquin, San Luis Obispo, San Mateo, Santa Barbara, Santa Clara, Santa Cruz, Solano, Sonoma*, Stanislaus, Tulare*, Ventura and Yolo. (*Coverage area limited to partial county only).

CIGNA’s Health Maintenance Organization (HMO) plans require you to choose a primary care physician (PCP) upon enrollment into the plan. This PCP is then responsible for your care unless they refer you to another specialist that participates in the CIGNA HMO network. One variation to this network is the HMO Open Access and Network Open Access plans which allow members to visit in-network specialists directly without having to first obtain a referral from their PCP. (NOTE: There are no out of network benefits in an HMO plan except for emergency services).

CIGNA also offers Preferred Provider Organization (PPO), Indemnity, and Point of Service (POS) networks in certain areas as well. These network arrangements are designed to be much more flexible than the traditional HMO model in that they allow for direct visits with any doctor (without a referral) and they do not require you to choose a PCP. Out of network expenses are covered as well even if is a non emergency situation. However, you will usually save quite a bit of money by going to a provider that is in your plan’s network.

A nice feature of many CIGNA of California plans is that they offer 24 hour access to health information via the CIGNA HealthCare 24 Hour Health Information Line, member rewards through their Healthy Rewards discount program, support for chronic conditions such as diabetes, asthma, and lower back pain and more.

CIGNA of California may be the right choice for your health insurance needs. Be sure and compare health insurance plans from CIGNA of CA and other top California health insurance companies in your area like United Healthcare, Humana One, Aetna, PacifiCare, UniCare, Assurant Health, Blue Cross Blue Shield of CA, Celtic and others. Compare top companies side by side for now by requesting free California health insurance quotes!

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