Health Insurance

Awful. Awful. Awful. I know the industry, and I know that's where things are headed. But the high deductible, high coinsurance, and high premiums are a joke.

Not stellar, but it's pretty cheap. Obviously there's a LOT more that goes in to the health insurance plan, but that's the high level view. $90/month for an HSA (Cigna contributes $400 or $600 depending on the plan) for a $3,000 deductible. After $3,000, they pay 80% until your out of pocket hits $5,500, then they pay for everything. There are free doctor visits for checkups and vision (or a small copay), $200 for glasses/contacts, and visits to the nurse/doctors who work in some of the buildings (their job is to see employees about medical concerns/issues) cost $5. The network of providers is pretty great too, I've never had a problem. The on-site staff go a long way towards making things affordable, but they're only in 5 or so offices out of the 100+. There's a lot of hate out there for HSAs, but they're here to stay so that we start paying attention to health care costs. The alternative ($20 co-pays for any procedure under the sun) got the medical industry in the mess it's in now. You'd think people working for a health insurance company would realize that. Overall, pretty good. It could obviously be cheaper, and stinks for people who just started contributing to an HSA later on in life. The whole medical industry is moving towards HSAs/HRAs/FSAs, Cigna is not alone here. You'll be hard pressed to find plans that are significantly better than this one, for this cost.

Costly, 80/20 with high ded/copay and out of pocket costs. Too difficult and time consuming to earn incentives and contributions back to your HSA account.

Good benefits but disappointed in high deductible insurance coverage is implementing

High deductibles and limited options.

Only high deductible plans are available, which is pretty terrible considering you're working for a health insurance company.

Unfortunately, high deductibles. Coverage is less than par.

High deductible plans that are average

Good plan. It would be good if the deductable were not so high.