Health Insurance

Seems to go up in pricertain every year while benefits decrease but I've had no real complaints, personal health team you can earn bonus McEntire dollars with by making coaching calls

Helps me for future.

Pretty expensive for a high deductible plan. They offer extra money back essentially, if you work for it. (Use phone coaching for health conditions, get annual physical, track steps, etc.)

quite good insurance program for all employee

HSA, HRA options and they contribute to both accounts (different amounts depending on the plan you chose and if you are an individual or family). They do have some discounts on some ancillary opportunities (pet insurance) as well.

Coverage was good but the cost of it was too expensive. You would think that it would be at a reduced rate - but nope.

Great medical plan with PPO

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.