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)
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 →NAIC CIS filing desk
NAIC NAIC D · 30.8
GRADE-D · INDEX-UNK · DENIAL-ELEV · RANK-UNK · PHOTO-SOLO · LINES-0 · BOOK-MID
- GRADE-D D · 30.8
- INDEX-UNK Index blank
- DENIAL-ELEV 24.1% denied
- RANK-UNK Rank pending
- PHOTO-SOLO No peer gap
- LINES-0 No lines
- BOOK-MID 3/7 fields
Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.
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
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 NAIC filing desk shows for Cigna Health and Life Insurance Company
Cigna Health and Life Insurance Company's filing desk summarizes the NAIC complaint record and any CMS marketplace denial data on file.
See where Cigna Health and Life Insurance Company sits against every reporting carrier in the claim-denial rate ranking. Appeal notes for Cigna Health and Life Insurance.
Nationwide insurers with similar scores or complaint volume
Two corpus-wide peer sets for Cigna Health and Life Insurance Company: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.
Similar composite score
Nearest carriers by composite score (30.8 here). Floored at 50+ complaints and 5+ states.
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.
Questions about Cigna Health and Life Insurance Company
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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.