I-Cigna Intshuwalense ibonisa ukuqala kwayo ekuqalekeni kwenkampani yomzali wayo, Inkampani ye-Inshorensi yaseNyakatho Melika (INA) eyasungulwa ngo-1792. Inika ukubonelela nge-inshorensi yempilo, i-teeth, impilo kunye nokukhubazeka kwemveliso yinshurensi.
Liye lafumana amanqaku aphezulu kule mibutho ye- inshorensi :
- AM Best : "Eyona nto ibalulekileyo"
- Inkonzo yeMali-mali kaMoody : "I-A1-medium rating kunye neengozi ezincinci zemboleko"
- I-Standard & Poor's (S & P): "AA- Very Strong"
- Fitch : "A + Strong"
Inkampani iye yafumana amagosa enkonzo yabathengi kunye nokuqashelwa kwi- JD Power & Associates iminyaka emine elandelelanayo. UmthengiReports.org ulinganise iCigna nge-84 kwi-100 ngokubanzi ukuxhaswa kwabathengi.
I-Business Business Bureau
Ngethuba lo kubhala, i-Cigna ine-BBB imvume yokulinda. Ifayile yeCigna kunye ne-BBB yavulwa ngo-1929 kwaye inkampani ine-"+". Kukho iikhompyutheni ezipheleleyo ezingama-28; 26 iziphumo ezingabonakaliyo kunye no-2. Kukho 414 izikhalazo zabathengi ezipheleleyo ezidweliswe: imiba yokukhangisa / yokuthengisa; Imiba yokubambisa / yokuqokelela; Imiba ye-16 yokuhambisa; 2 isiqinisekiso / imiba yewaranti kunye neengxaki ezingama-270 ezidweliswe ngemveliso / iinkonzo. I-Cigna inamanqaku ahlukeneyo angama-3.73 kwiinkwenkwezi ezi-5.
Cigna Dental Plans
I-Cigna inikeza inshurensi yamazinyo kulo lonke elaseUnited States nakwamanye amazwe kwihlabathi.
Ayinikhupheli kwiindawo zaseNew York okanye eWashington. Inika izicwangciso ezintathu ukufanelana neemfuno zomshuwalense wakho wamazinyo kunye nebhajethi:
- I-MyCigna Amazinyo okukhusela : Esi sicwangciso sinika iipesenti ezingama-100 zokunikezela ngeenkonzo zokukhusela nokuxilonga. Izaphulelo zifumaneka kuzo zombini iinkonzo zokubuyisela kunye nezobugcisa.
- I-myCigna Amazinyo 1000 : Esi sicwangciso sinemali engama-R50 ahlukeneyo kunye nentsapho echithwa ngama-$ 150 ngonyaka. Inzuzo enkulu yonyaka xa i-$ 1,000. Ufumana inkxaso yokunakekelwa kokukhusela, iinkonzo zokuxilonga nokubuyisela. Kukho isaphulelo somsebenzi we-orthodontic xa usebenzisa umniki-inethiwekhi.
- I-myCigna Amazinyo 1500 : Esi sicwangciso sinemali engama-R50 ahlukeneyo kunye nentsapho echithwa ngama-150 ngonyaka. Inzuzo enkulu yonyaka xa i-$ 1,000. Ufumana inkxaso yokunakekelwa kokukhusela, iinkonzo zokuxilonga nokubuyisela. Umehluko omkhulu kwi-Dental 1000 yilo cwangciso liquka i-$ 1,000 yexesha lokuphila ngoncedo lwe-orthodontic kumalungu abo bonke ubudala.
Izinzuzo kunye neenketho
- i-myCigna inomsebenzi weselula olungeleyo owenza kube lula ukufumana unomdla wamazinyo. Unokujonga kwakhona ukukhutshwa kwakho kwaye ubonise ikhadi lakho le-ID yomshuwalense kunye nale app.
- Unokufumana iingxelo ze-inshorensi zezokwelapha kunye namazinyo.
- Akukho mfuneko yokungenisa amabango. Oku kulandelwa kubanikezeli beewebhusayithi beCigna ngokuzenzekelayo.
- Ngesicelo se-myCigna.com, unako ukufikelela kwiibhilile ze-intanethi kunye namabango kwaye unokukwazi ukwenza iintlawulo kwi-Intanethi ngokunjalo.
- Akukho kuthunyelwa kuyadingeka ukuba ubone udokotela wamazinyo ongekho ngaphandle kwanoma yimuphi unonophelo oluthile.
- Unomnatha omkhulu weCigna ukukhetha phakathi kwama-dentist angama-72,000 kwi-network ye-Cigna yomncedisi wenethiwekhi.
- Unokukhetha i-in-network okanye ngaphandle kwe-wenethiwekhi yamazinyo. Ewe, uya kufumana imali enkulu xa ukhetha udokotela wamazinyo kwi-network.
- Ezinye izaphulelo ezikhoyo zikwasebenza nakuma-providers-out-network.
Okuhle nokubi
Iinkonzo: I- Cigna yinkampani yomshuwalense onobungqina benkampani yomshuwalense kwaye ine-network enkulu yomncedisi wamazinyo kunye namazinyo angaphezu kwama-70,000 wamazinyo. Nangona unokukhetha in-network okanye umnikezeli-ngaphandle-wenethiwekhi, ukonga kwakho okukhulu kuzaliswa ngokusebenzisa udokotela wamazinyo esuka kwinethiwekhi ye-PPO. Izicwangciso zamazinyo zibandakanya iimviwo eziqhelekileyo, ii-x-ray kunye nokucocwa kabini ngonyaka. Isicwangciso esisisiseko, i-MyCigna Dental Preventive, sihlawula iipesenti eziyi-100 kodwa siquka kuphela iinkonzo zokukhusela. I-Cigna inikezela nge-global coverage, ngoko ke into emele uyigcine engqondweni xa unokuba ufune ukuhamba phesheya okanye uhambe phesheya.
Umxhasi: Unokukhetha ukusebenzisa inethiwekhi okanye inethiwekhi ye-network. Nangona kunjalo, iintlawulo ezingaphandle kwee-network zingasebenza xa ngaphezulu kwexabiso elibuyiselwayo elivunyelwe nguCigna. Zonke izicwangciso kunye nezinketho azinakufumaneka kuwo wonke urhulumente kwaye akukho nkonzo e-New York okanye eWashington. Nangona igosa elisezantsi lokufihla amazinyo, alifihla iindleko ezininzi njengabanye ababoneleli. Nangona iCigna inexabiso eliphezulu leenkonzo zabathengi, kukho izikhalazo ezichazwe kwiindawo zemveliso kunye neenkonzo.
Iinkcukacha zoqhakamshelwano
Ukuze ufunde kabanzi malunga neenkampani ze-inshurensi zamazinyo zikaCigna okanye ezinye iinkonzo zomshuwalense wezempilo, unokutyelela kwiwebhsayithi yeCigna okanye ubize i-1-800-243-6998, iiyure ezingama-24 ngosuku, iintsuku ezisixhenxe ngeveki. Kukho nenombolo yokuhambisa ikhempi kwikhaya 1-800-285-4812. Kubaphathi bepolisi abaneminye imibuzo malunga neenzuzo zamazinyo bavakashela i-myCigna.com.