8 Cigna Tricks To Lower Costs

As one of the largest health insurance companies in the United States, Cigna offers a wide range of plans and services to its customers. However, navigating the complex world of health insurance can be challenging, and finding ways to lower costs is a top priority for many individuals and families. In this article, we will explore 8 Cigna tricks to help lower costs and make the most of your health insurance plan.

Understanding Cigna’s Cost-Saving Options

Cigna offers various cost-saving options to its customers, including discounts, wellness programs, and flexible spending accounts. By taking advantage of these options, individuals and families can significantly reduce their healthcare expenses. Preventive care services, such as annual check-ups and screenings, are often covered at no additional cost, and telehealth services can provide convenient and affordable access to medical care. Additionally, Cigna’s discount programs can help customers save money on prescription medications, fitness classes, and other health-related services.

Trick 1: Take Advantage of Preventive Care Services

Cigna’s preventive care services can help customers detect health problems early, reducing the need for costly treatments and procedures. These services include annual physicals, screenings, and vaccinations, and are often covered at no additional cost. By taking advantage of these services, individuals and families can stay healthy and avoid costly medical bills. For example, a colonoscopy can help detect colon cancer early, when it is more treatable, and a mammogram can help detect breast cancer early, reducing the need for costly treatments.

Trick 2: Use Telehealth Services

Cigna’s telehealth services provide customers with convenient and affordable access to medical care. With telehealth, customers can consult with a doctor or other healthcare professional remotely, reducing the need for costly office visits. Telehealth services can be used for a variety of medical conditions, including common colds, flu, and skin conditions. By using telehealth services, customers can save time and money, and get the medical care they need from the comfort of their own homes.

• Common colds
• Flu
• Skin conditions

Trick 3: Participate in Wellness Programs

Cigna’s wellness programs can help customers stay healthy and reduce their healthcare expenses. These programs include fitness classes, weight management programs, and stress management programs. By participating in these programs, customers can improve their overall health and well-being, and reduce their risk of chronic diseases. For example, a smoking cessation program can help customers quit smoking, reducing their risk of heart disease and lung cancer.

Trick 4: Use Discount Programs

Cigna’s discount programs can help customers save money on prescription medications, fitness classes, and other health-related services. These programs include discount cards, coupons, and rebates. By using these programs, customers can reduce their out-of-pocket expenses and make their healthcare more affordable. For example, a discount card can help customers save up to 50% on prescription medications, and a coupon can help customers save up to 20% on fitness classes.

• Discount cards
• Coupons
• Rebates

Trick 5: Take Advantage of Flexible Spending Accounts

Cigna’s flexible spending accounts (FSAs) can help customers save money on healthcare expenses by allowing them to set aside pre-tax dollars for medical expenses. By using an FSA, customers can reduce their taxable income and lower their healthcare expenses. For example, a customer who sets aside 1,000 in an FSA can save up to 200 in taxes, and use the funds to pay for medical expenses such as co-pays, deductibles, and prescription medications.

Trick 6: Use Cigna’s Online Tools and Resources

Cigna’s online tools and resources can help customers manage their healthcare expenses and make informed decisions about their health. These tools include cost estimators, provider directories, and health risk assessments. By using these tools, customers can compare prices for medical services, find in-network providers, and identify health risks. For example, a cost estimator can help customers estimate the cost of a medical procedure, and a provider directory can help customers find in-network providers.

• Cost estimators
• Provider directories
• Health risk assessments

Trick 7: Participate in Cigna’s Disease Management Programs

Cigna’s disease management programs can help customers manage chronic conditions such as diabetes, heart disease, and asthma. These programs include case management, education and support, and medication management. By participating in these programs, customers can improve their health outcomes, reduce their healthcare expenses, and enhance their quality of life. For example, a diabetes management program can help customers manage their blood sugar levels, and a heart disease management program can help customers reduce their risk of heart attacks and strokes.

Trick 8: Review and Understand Your Cigna Plan

Finally, it’s essential to review and understand your Cigna plan to ensure you’re getting the most out of your coverage. This includes understanding your deductible, co-pays, and co-insurance, as well as any exclusions or limitations. By reviewing your plan, you can avoid unexpected medical bills and make informed decisions about your healthcare. For example, a customer who understands their deductible can plan accordingly and avoid unexpected medical bills.