Cigna

The Cigna health insurance company can trace its roots all the way back to the year 1792 when it was created by members of the Insurance Company of North America to insure the shipping industry. The first policies ever issued by Cigna insured both the cargo and the hull of a ship sailing from Pennsylvania to Ireland. The first instance of insuring an individual came two years later in 1794. It wasn't until over 100 years later, in the year 1912, that Cigna began to offer individual health insurance policies.

Today, the Cigna health insurance company provides coverage to individuals and families through plans that are both self-purchased and obtained at a group discount through employers. Cigna also provides coverage to individual brokers and offers Medicare plans. Despite the wide variety of health consumers that it serves, Cigna takes in approximately 80 percent of its business by providing administrative services only to its clients and not an actual insurance product.

The Cigna company has a very wide scope in the insurance industry, providing far more than health care coverage. The company also offers insurance products for behavioral health, dental care, expatriate benefits, group accident, group disability, group life, pharmacy benefits, and vision insurance. Health care consumers and those interested in life insurance can seek an individual broker on Cigna's website or through an Internet search.

If customers who are already enrolled with Cigna need to file a health insurance claim, they can go to the customer service area of the company's website and print out a form. The insured person should then fill out the form and follow the instructions indicated on it regarding how to submit it for reimbursement. Providers who need to submit a health insurance claim should receive instructions on how to do this when initially signing up for services with Cigna.

Cigna provides several resources on its website for both current and potential policy holders. People who are currently insured there can locate a provider, request an identification card, review current benefits plans, and much more. For those who may be interested in insuring with Cigna, there is very detailed information on each plan type that is offered as well as contact information to connect that person with an insurance broker.

Since its humble beginnings over 200 years ago insuring a ship and its contents, the Cigna company has expanded to offer multiple products to meet the insurance needs of a wide variety of people. In addition to its insurance products and administrative services, Cigna also provides its members with an abundance of resources to encourage optimal health, such as a 24 hour health line and a program devoted to healthy pregnancies.