Reputation grade
D
Peer-relative, A–F
Insurer profile · Cigna · NAIC + CMS
Cigna Health and Life Insurance Company
Cigna Health and Life Insurance Company's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- D
- Reputation grade
- 24.1%
- Claims denied
- 4
- States (CMS data)
The verdict
Cigna Health and Life Insurance Company earns a D reputation grade - a worse-than-average record versus peers, according to CMS Transparency in Coverage filings, 24.1% of its marketplace claims were denied across 4 states.
- D
- reputation grade
- 24.1%
- claims denied (CMS)
NAIC complaint index
N/A
1.0 = market average; lower is better
Claim denial rate
24.1%
CMS, 4 states
Graded on 1 of 3 measures: claim denials. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.
How we calculated this grade →Cigna Health and Life Insurance Company - claim denial rate by state
- MS
MS: 30.5% denied (794,990 of 2,609,050 claims)
31 % of claims denied
- IN
IN: 27.4% denied (117,559 of 429,443 claims)
27 % of claims denied
- TN
TN: 22.2% denied (1,077,410 of 4,843,786 claims)
22 % of claims denied
- FL
FL: 22.2% denied (1,060,938 of 4,777,130 claims)
22 % of claims denied
What this shows Denial rates vary by state plan and network. Across 4 reporting states, Cigna Health and Life Insurance Company denied 24.1% of marketplace claims on average.
Among states with enough reported claims to compare, Cigna Health and Life Insurance Company's highest marketplace denial rates in this dataset are in Mississippi (30.5%), Indiana (27.4%), and Tennessee (22.2%). State-level rates reflect the specific plans Cigna Health and Life Insurance Company offers there and how each state's regulators and utilization-review rules apply, not necessarily the carrier's national practice.
CMS marketplace filing
Reported appeal outcomes for Cigna Health and Life Insurance Company
2,254
appeals filed
927
overturned (reported outcomes)
41.1%
of appeals with a reported outcome
The largest state samples are Florida (1,210 filed, 389 overturned), Tennessee (720 filed, 380 overturned), and Mississippi (257 filed, 125 overturned); 4 states contribute to the profile total.
CMS reports an overturn outcome for 2,254 of these 2,254 filed appeals; missing outcomes are excluded from the percentage. These filing totals are not a prediction for an individual appeal. View the CMS source ↗
What the data shows for Cigna Health and Life Insurance Company
Cigna Health and Life Insurance Company, part of Cigna, carries a D reputation grade in PlainInsurer's dataset, with a composite score of 30.8 (higher means more consumer friction relative to size). It does not yet carry enough NAIC complaint history for a normalized complaint index.
On the claims side, CMS Transparency-in-Coverage filings show Cigna Health and Life Insurance Company denied 24.1% of marketplace claims across 4 reporting states - an elevated rate that warrants checking the plan's appeal-success record before enrolling.
See where Cigna Health and Life Insurance Company sits against every reporting carrier in the claim-denial rate ranking.
Source: NAIC Consumer Information Source complaint data (2024). Source: CMS Transparency in Coverage PUF (PY2026), cms.gov.
Aggregates only, not advice. Full terms on the disclaimer.
Other D-graded carriers in PlainInsurer's dataset include Globe Life and Primerica Life Insurance, and the closest overall composite score to Cigna Health and Life Insurance Company's 30.8 belongs to McLaren Health Plan Community (30.3), each rescaled across the measures that carrier reports.
Cigna Health and Life Insurance Company is part of the Cigna family, alongside Cigna Health, Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of Texas, Inc., Cigna HealthCare of Arizona, Inc, and 1 more in PlainInsurer's dataset -- a shared parent doesn't mean shared performance, so check each subsidiary's own record before assuming they behave alike.
Other D-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Globe Life | D |
| Primerica Life Insurance | D |
| Liberty Mutual Homeowners | D |
| GEICO | D |
| Farmers Insurance | D |
Closest composite score to Cigna Health and Life Insurance Company
Carriers with the nearest overall composite score (30.8)
| Insurer | Composite score |
|---|---|
| McLaren Health Plan Community | 30.3 |
| Health First Commercial Plans, Inc. | 31.9 |
| Molina Healthcare of Florida, Inc | 29.7 |
| Meridian Health Plan of Michigan, Inc. | 32.4 |
| Mercury Insurance | 28.8 |
Questions about Cigna Health and Life Insurance Company
What does Cigna Health and Life Insurance Company's grade mean?
Cigna Health and Life Insurance Company received a grade of D, indicating a worse-than-average record versus peers.
How many complaints does Cigna Health and Life Insurance Company have?
NAIC's public bulk data does not include a complaint-volume estimate for Cigna Health and Life Insurance Company - the carrier may be new, small, or file under a parent company. Absence of an estimate is missing data, not evidence of zero complaints.
How do I file a complaint against Cigna Health and Life Insurance Company?
File against Cigna Health and Life Insurance Company through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Cigna Health and Life Insurance Company a good insurance company?
PlainInsurer's D grade for Cigna Health and Life Insurance Company reflects a worse-than-average record versus peers relative to peers on published complaint and denial data.
What types of insurance does Cigna Health and Life Insurance Company offer?
Detailed line-of-business data isn't currently available for Cigna Health and Life Insurance Company. The carrier is licensed in 0 states.
Source: NAIC published complaint index + CMS Transparency in Coverage PY2026 Complaint index, reputation grade and per-state claim denial rates for Cigna Health and Life Insurance Company · 2024
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The full PlainInsurer extract, covering every insurer including Cigna Health and Life Insurance Company, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.
Data: NAIC published complaint index (2024) · CMS Transparency in Coverage PUF PY2026. Not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.