Choosing the right health insurance can feel overwhelming. When it comes to Cigna vs Aetna, both are major players with unique strengths.
This article breaks down their plans, features, and user experiences in clear, simple language. Let’s explore how these insurers compare to help you make an informed choice.
Overview of Cigna and Aetna
Cigna and Aetna are two of the largest health insurance providers in the U.S. Cigna serves about 20.4 million members globally, offering a range of health plans.
Aetna, part of CVS Health, covers around 39 million members with diverse options. Both provide individual, employer-based, and Medicare plans.
Each company has a strong network of providers. Cigna boasts 1.5 million providers, while Aetna has 1.2 million. Cigna vs Aetna is a common comparison due to their widespread availability and similar offerings.
Types of Plans Offered
Both insurers offer a variety of health plans to meet different needs. These include individual Affordable Care Act (ACA) plans, Medicare Advantage, and dental insurance.
Aetna also provides short-term care coverage, which Cigna does not. Both offer vision and supplemental plans for added protection.
Cigna focuses on HMO and EPO plans, which may limit provider choices. Aetna offers more PPO plans, giving flexibility to see out-of-network doctors. Your choice depends on your preferred balance of cost and flexibility.
Network Size and Availability
Aetna’s network includes 1.8 million health professionals and 10,000 CVS locations. It’s available in more states than Cigna, especially for Medicare Advantage plans. Cigna’s network covers 1.5 million providers but is less widespread for individual plans. Availability varies by location.
Check your local providers before choosing. Cigna vs Aetna reviews often highlight network size as a deciding factor. If you travel often, Aetna’s CVS partnership may offer more convenience.
Medicare Advantage Plans
Aetna is a top provider of Medicare Advantage plans, with 3.3 million members. In 2025, 88% of its members are in plans rated 4 stars or higher by Medicare.
Cigna has 600,000 members, with 67% in 4-star or higher plans. Aetna offers more plan variety, including HMO, PPO, and Dual Special Needs Plans.
Cigna provides competitive Medicare Advantage plans with strong supplemental benefits. Both offer prescription drug plans (Part D) and Medigap. Your location and health needs influence which is better.
Customer Satisfaction and Ratings
Aetna generally scores higher for customer satisfaction. The National Committee for Quality Assurance (NCQA) rates Aetna at 3.46 out of 5, compared to Cigna’s 3.28. Aetna ranks higher in regions like the Northwest and Southwest, per J.D. Power surveys. Cigna excels in New Jersey for customer satisfaction.
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Mobile Apps and Online Tools
Aetna’s mobile app is highly rated, with 4.7/5 on the Apple App Store and 4.6/5 on Google Play. Users praise its design and ease of finding providers or paying claims.
Cigna’s app scores 4.8/5 on Apple but only 2.7/5 on Google Play due to technical issues. Both offer online portals for managing claims and coverage.
Aetna’s app integrates with CVS MinuteClinics for quick care access. Cigna’s app emphasizes virtual care and prescription discounts. Your preference for app usability may sway your Cigna vs Aetna decision.
Cost and Premiums
Costs for Cigna and Aetna vary by plan type and location. Aetna’s ACA Bronze plans average $336 monthly, while Cigna’s are around $350. For Medicare Advantage, Cigna often has lower-cost options, including $0-premium plans. Aetna’s premiums may be higher but offer more PPO flexibility.
For example, a 30-year-old woman might pay $270 with Aetna and $290 with Cigna for similar coverage. Always compare quotes based on your age and needs. Check your state’s marketplace for exact pricing.
Comparing Key Features
Here’s a table comparing Cigna and Aetna on key aspects:
| Feature | Aetna | Cigna |
|---|---|---|
| Network Size | 1.2M providers, 10K CVS sites | 1.5M providers |
| Medicare Star Ratings | 88% in 4+ star plans (2025) | 67% in 4+ star plans (2024) |
| Plan Types | HMO, PPO, Short-term | HMO, EPO, Medigap |
| App Rating | 4.7/5 (Apple), 4.6/5 (Google) | 4.8/5 (Apple), 2.7/5 (Google) |
This table highlights differences to guide your choice. Consider your priorities, like network or app quality.
Wellness and Additional Benefits
Aetna offers perks like SilverSneakers fitness programs and CVS MinuteClinic access. Its Resources for Living program helps find community services.
Cigna provides wellness programs, including discounts on fitness and nutrition services. Its 24/7 virtual care is a standout feature.
Both insurers cover preventive care and chronic condition management. Cigna’s team-based support includes case managers for coordinated care. Aetna’s CVS integration offers same-day care options.
Claims and Customer Service
Both companies allow claims tracking via online portals and apps. Aetna is praised for timely claim handling, though some users report issues with coverage denials. Cigna’s customer service gets mixed reviews, with complaints about unresponsive reps. Providers note Aetna can be slower to process claims.
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Plan Accessibility and Enrollment
You can access Cigna and Aetna ACA plans through HealthCare.gov or state marketplaces. Medicare plans are available via Medicare.gov.
Open enrollment for ACA plans runs from November 1 to January 15 in most states. Medicare Advantage enrollment is from October 15 to December 7 annually.
Aetna’s plans are available in more states, especially for Medicare. Cigna’s availability is limited for individual plans. Always verify plan options in your area before deciding.
Choosing Between Cigna and Aetna
Your choice depends on your needs and location. Aetna is ideal if you want a broader network and PPO flexibility. Cigna suits those seeking lower-cost Medicare plans or virtual care options. Compare provider networks to ensure your doctors are in-network.
Consider your budget and preferred benefits, like dental or wellness programs. Cigna vs Aetna reviews suggest Aetna for overall satisfaction, but Cigna may be cheaper in some cases. Get personalized quotes for clarity.
Real User Feedback
User reviews for Cigna and Aetna are mixed but informative. Aetna users often praise its app and CVS access but note occasional claim delays.
Cigna users like its virtual care but report issues with claim rejections. Both have 1-star reviews (Aetna 29%, Cigna 40%) for common issues like coverage denials.
Positive reviews highlight Aetna’s customer service and Cigna’s affordable premiums. Reading recent reviews helps understand real-world experiences. Check sites like Best Company for detailed feedback.
Tips for Making a Decision
Start by listing your healthcare needs, like frequent doctor visits or prescriptions. Check if your preferred providers are in-network with each insurer.
Compare premiums, deductibles, and out-of-pocket costs. Use online tools to get quotes tailored to your area.
Talk to your employer if you’re choosing through work. For Medicare, review star ratings and extra benefits. Cigna vs Aetna decisions hinge on balancing cost, coverage, and convenience.
Summary
Cigna vs Aetna is a close comparison, with both offering strong health insurance options. Aetna stands out for its larger network, higher Medicare star ratings, and CVS integration.
Cigna offers competitive pricing and virtual care, but its availability is more limited. By comparing plans, costs, and user reviews, you can choose the insurer that best fits your needs.
FAQ
What types of plans do Cigna and Aetna offer?
Both offer ACA, Medicare Advantage, Medigap, dental, and vision plans. Aetna includes short-term care, while Cigna focuses on HMO/EPO plans. Check availability in your state.
Which has a better provider network?
Aetna has 1.2 million providers and 10,000 CVS locations, slightly larger than Cigna’s 1.5 million providers. Verify if your doctors are in-network. Network size varies by location.
Are Cigna or Aetna plans more affordable?
Cigna often has lower-cost Medicare Advantage plans, including $0-premium options. Aetna’s premiums may be higher but offer PPO flexibility. Compare quotes for your age and area.
How do their mobile apps compare?
Aetna’s app scores 4.7/5 (Apple) and 4.6/5 (Google), praised for ease of use. Cigna’s app gets 4.8/5 (Apple) but 2.7/5 (Google) due to technical issues. Both manage claims and providers.
Which is better for Medicare Advantage?
Aetna has 88% of members in 4+ star plans (2025), compared to Cigna’s 67% (2024). Aetna offers more plan variety. Check local options and benefits for your needs.