Cigna vs. UnitedHealthcare: Medicare Advantage Comparison

UHC offers Medicare Advantage plans in nearly every state, while Cigna’s member experience ratings are higher.
Kate Ashford, CSA®
By Kate Ashford, CSA® 
Updated
Edited by Holly Carey

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Cigna Medicare Advantage offers plans in 29 states and Washington, D.C., and the company’s member experience ratings, including metrics like care coordination and customer service, are above average among major providers. UnitedHealthcare covers every U.S. state except Alaska and offers the largest Medicare Advantage provider network. Both providers offer plans targeted toward veterans (Cigna’s Courage plans and UHC’s Patriot plans). And Cigna has a plan in most of its markets that offers a Part B premium rebate.

Here’s a look at how Cigna and UnitedHealthcare compare.

Cigna Medicare Advantage

Cigna Medicare Advantage - ME

Cigna

3.76

CMS Star Rating

Cigna plans are low-cost and member experience scores are higher than average, but star ratings from the CMS have declined.

(844) 905-0539 / TTY 711

8am - 11pm EST, 7 days a week

Speak to a licensed insurance agent on MedicareEnrollment.com

GET A QUOTE

from MedicareEnrollment.com

States available

29 states and Washington, D.C.


Members in high-rated plans

Medium (50% to 89%)


Member experience

3.49 (Above average)


States available

29 states and Washington, D.C.


Members in high-rated plans

Medium (50% to 89%)


Member experience

3.49 (Above average)


Pros

  • More than 8 in 10 Cigna plans are $0-premium plans.
  • Offers a range of member benefits, such as 24/7 telehealth, meal delivery and transportation to and from health facilities.

Cons

  • Below-average star ratings.
  • Available in only 29 states and Washington, D.C.
  • The National Committee for Quality Assurance gives all Cigna plans a score of 3.5 stars or lower on their 5-point scale.

Other factors to consider

Provider size

7th-largest provider of Medicare Advantage plans.

Medicare Advantage enrollment

More than 570,000.

Percent of plans rated 4 stars or higher

46%.

Percent of plans with $0 premium

83%.

Plans available

HMO, HMO-POS, PPO, SNP.

UnitedHealthcare Medicare Advantage

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UnitedHealthcare Medicare Advantage - UHC

UnitedHealthcare

3.87

CMS Star Rating

UnitedHealthcare Medicare Advantage plans are widely available and boast the largest Medicare Advantage provider network, although member experience ratings are average.

(855) 821-0556 / TTY 711

Call UnitedHealthcare

GET A QUOTE

from UnitedHealthcare

States available

49 states and Washington, D.C.


Members in high-rated plans

Medium (50% to 89%)


Member experience

3.12 (Average)


States available

49 states and Washington, D.C.


Members in high-rated plans

Medium (50% to 89%)


Member experience

3.12 (Average)


Pros

  • Largest Medicare Advantage medical network of all companies, with more than 1 million providers.
  • Largest Medicare Advantage dental network, and all standard plans offer dental coverage.
  • Available in 49 states and Washington, D.C.

Cons

  • Member experience scores are average.
  • Offers one of the highest-priced special needs plans, although lower-priced plans are also available.

Other factors to consider

Provider size

Largest provider of Medicare Advantage plans.

Medicare Advantage enrollment

More than 8.9 million.

Percent of plans rated 4 stars or higher

53%.

Percent of plans with $0 premium

69%.

Plans available

HMO, HMO-POS, PPO, PFFS, SNP.

Find the right Medicare Advantage plan

It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:

  • What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

  • Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.

  • Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

  • Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

  • Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Still deciding on the right carrier? Compare Medicare Advantage plans

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