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Starbridge Health Insurance Company

Starbridge Health Insurance Company is an organization that helps individuals with everyday medical expenses. They specialize in everyday needs such as the flu, a sprain, minor illnesses, or broken bones. Their plans are not comprehensive so they should not be relied upon in place of a full major medical health insurance plan, but they do provide for the most common needs that arise in families and individuals.

Starbridge provides medical plans through CIGNA Health Care (click here to read the full CIGNA Health Insurance Review article). These plans provide up to 40% in discounts when you see providers within the network. Plans also cover doctor’s visits, prescriptions, wellness visits, urgent care visits, x-rays, and lab tests. Seeing a doctor outside the network is possible, but there will be more out of pocket expense. It is important to note that the Starbridge health plans are just discount plans and not true health insurance like a regular CIGNA health insurance plan.

Read through this Starbridge Health Plan review, take a look at the reviews of Starbridge left by customers at the bottom of this page, and then enter your zip code to compare free health insurance quotes from top health insurance companies online.

Cheap Starbridge Health Plans

Many hard working Americans are going without health insurance because it is not offered through their job and they fear it is too expensive to find an individual plan. While this may not the case, see the rate quote tool above, Starbridge’s main goal is to be able to provide hard working Americans with affordable coverage for everyday medical needs such as those listed above. They do this through different plans.

Starbridge recognizes that there are many struggling Americans who try to treat medical needs with over the counter medicines because they don’t have prescription coverage. Also, Starbridge conducted an independent study that showed many individuals use the emergency room for even minor needs because they cannot find a physician without insurance. Through Starbridge’s plans, individuals will be able to find quality care at affordable prices.

The two plans offered through Starbridge are Plan 171 and Plan 371. Each plan provides for medical, dental, short-term disability, term life, and in hospital cash. Plan 371 offers slightly more savings to members, but is more expensive for employers. Plan 171 offers slightly less savings, but is more affordable for employers.

The medical coverage includes outpatient hospital benefits such as outpatient surgery, urgent care, x-rays, and doctor office visits. For doctor’s visits, a $15 co-pay is required and then Starbridge covers the rest up to a maximum benefit of $1,500 per year. For additional outpatient services, a deductible is required. Deductibles range from $100-$2,500.

Once you meet the deductible, Starbridge covers a percentage of the rest. This is called co-insurance. For example, after you meet your deductible, 20% of the remaining bill is paid by you and 80% of the remaining bill is paid by Starbridge. Using someone within the network will give an additional discount up to 40% prior to the deductible being paid.

Starbridge Dental Plans

Starbridge dental coverage uses a discount and reimbursement system to offer coverage. Coverage is provided for exams, X-rays, extractions, fillings, and treatment for gum disease. Each of these services will receive a discount and a reimbursement with a small amount being paid out of pocket. For example, a $36 cleaning will receive a $12 discount and a $17 reimbursement. This leaves only $7 in out of pocket expense.

Starbridge Disability Plans

Short term disability is for unexpected disabilities that happen at home or at work. These plans vary in how they are paid out and the monthly premium that is required. For example some plans give a monthly amount for 18 months starting the day after the disability. Other plans offer a weekly amount for up to 26 weeks starting the day after the disability. This cover is optional and not an automatic part of the plans.

Starbridge Hospital Cash Plans

The in-hospital cash plan is a unique optional plan that offers cash when a hospital stay occurs. The plan requires a small monthly premium but in exchange for this you will get $1,000 for one yearly hospital stay. In addition to this, you will receive $100 per pay up to 100 days. This money can be used however you need. It does not have to be used for medical expenses. It can be applied to bills and daily expenses.

Starbridge Term Life Insurance

The last part of the optional coverage is term life insurance. Starbridge offers coverage for funeral expenses and lump sum payments to beneficiaries. This is an optional plan that can be added to the medical and dental plan. Coverage in the amount of $10,000 per employee, $5,000 per spouse, and $2,000 per child is supplied under this plan.

Compare Starbridge Health Plan Quotes!

Choosing an insurance company is a decision that comes with a lot of choices. To see how Starbridge compares with other health insurance companies, you can use the comparison tool on this page right now to compare quotes and rates from top companies. Seeing these side by side can help you make the insurance decision that is right for you. The time to start is now!

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19 reviews

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    worst insurance ever. seriously

  • problems /
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    I started having problems with the first prescription I tried to fill!

    I had to go back to the doctor 3 times and pay the co-pay because the people at customer service couldn’t find a prescription for birth control that would be covered, then when I went with the cheapest option in case they wouldn’t cover it ended up costing more with the insurance than without it!!!

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    It’s insurance, folks! Like anything else in life; you get what you pay for. You try to skimp on your monthly premium and expect it to be even “Good” coverage. Do your homework, pony up a few more dollars, then go with a reputable company that offers true insurance.

    It even says right on the website, “Their plans are not comprehensive so they should not be relied upon in place of a full major medical health insurance plan…” and “It is important to note that the Starbridge health plans are just discount plans and not true health insurance.” DUH!

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    For associates working where I work, this is the only “insurance” offered (guess we do not mean much to our company). I have been told on numerous occasions that I need a full physical since I am in my late 50s but this company does not cover it.

    I pay more for this insurance than my supervisors and managers pay for theirs which they are covered under Kaiser Permanente. The prescription aspect is discount where you save only $10-$25 per prescription.

    My advice is that Starbridge is better than nothing BUT it is not really worth it!

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    I’ve had nothing but headaches from this plan.

    ALL of their doctor and practice data on the site is outdated. I called every practice within and out of my area when I came down with laryngitis –and since I work over the phone all the time, I have to be able to talk — and the only two working phone numbers were for a clinic with horrible reviews/history and an urgent care facility.

    When trying to call into their call center for information the staff was uneducated in their own plan details, rude, and unhelpful. This was the only insurance plan offered through my work–and I even paid extra for a “better” version of the plan.

    I’m dropping this plan like a led balloon and getting an ACTUAL insurance plan as soon as I can!

    Don’t try them, just run away!

  • Crystal /
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    I DONT LIKE STARBRIDGE AT ALL!!

    I HAD A TUBULAR PREGNANCY AND HAD TO HAVE EMERGENCY SURGERY ON AUGUST 24 2009 I WAS IN THE HOSPITAL TIL AUGUST 28 2009. STARBRIDGE ISNT COVERING ANY OF WHEN I WAS IN THE HOSPITAL AND THEY R GETTING BY WITH IT!!!

    I FOUND OUT LATER AFTER THEY HAD CANCELED MY INSURANCE THAT THEY CANCELED IT BACK ON SEPTEMBER 9 2009. AND THAT IS AFTER I WAS IN THE HOSPITAL AND THEY ARENT COVERING MY HOSPITAL BILLS!! THEY SAID IT WAS TURNED OFF BECAUSE I DIDNT SIGN AN ACCIDENT SHEET. WHAT I HAD WAS NOT AN ACCIDENT!!!!!! I ALMOST DIED IN THE HOSPITAL AND THEY WANTED AN ACCIDENT REPORT PAPER FOR EMERGENCY SURGERY!

    IM TRYIN TO FIND A GOOD LAWYER OR SOME WAY TO GET THIS STRAIGHT WHERE THEY TAKE CARE OF MY HOSPITAL BILLS THAT IS SUPPOSED TO BE TAKEN CARE OF!!! I CANT AFFORD THESE HIGH BILLS ON TOP OF ALL MY OTHER BILLS!!!! LUCKILY I DO HAVE ANOTHER BETTER INSURANCE BUT I WAS SUPPOSED TO HAVE 2 INSURANCES COVERING ME IN THE HOSPITAL!!!!!!!!!!!! AND ONLY 1 IS!!!!

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    I have had nothing but problems with Starbridge from the start. My employer offers them for part-time benefits which doesn’t cover much.

    On various occasions, we have gone to the dentist and said we don’t have insurance because they offer more fo a discount than the plan was willing to pay. I have been trying to cancel this plan for the last 5 months to no avail. They constantly say they cannot and then when they finally agree to cancel my policy they want me to pay for the next 3 months until the end of the year too.

    Don’t waste your time with this provider it will always end in headaches, which I’m sure will cost more through Starbridge.

    • 11111
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    Believe me but STAY AWAY from this rip-off of an insurance plan!

    My employer offered this plan to part-time employees and I joined because I needed coverage. Turns out that they don’t pay for anything but “specialist” visits. This plan is as cheap as cheap can get.

    they told me, I was investigated for pre-existing conditions 7 MONTHS after my coverage began, of which I had NO KNOWLEDGE ABOUT and no pre-existing cond whatsoever! In that window of time, they did not pay for ANYTHING!!! Is that what you call Customer Service?

    STAY AWAY FROM STARBRIDGE AT ALL COSTS!

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    Cigna Starbridge is the absolute worst insurance I have ever used. Not only are the representatives rude, but their prescription plan is down right awful!

    I am on a medication that must be taken every day, twice a day. If I stop taking it without slowly decreasing the dose I can become very sick and probably end up in the hospital. My “prescription plan” only covered $300.00 of prescriptions a year! $300.00 in prescription a year is outrageous!

    Now I have to pay $180.00 a month for one prescription, and that doesn’t include other prescriptions as well. What they hell am I paying for if it won’t even cover prescriptions?!

    I will most definitely be canceling this awful insurance plan and take my business elsewhere!

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    This is the worst insurance company ever.

    I’m paying $200 monthly from my paycheck for nothing. It costs me more to have this insurance than if I had no insurance. Have gone to my doctor just to see him. The first visit was a check-up (Blood work), and the second was just to get my results and get an explanation. Guess what I’ve had to fork out from those stupid, senseless visits: over $600 dollars from co-insurance from Starbridge.

    What I don’t understand is who is in the wrong here. Was it my doctor who probably overbilled cigna, or is it Cigna fighting back the claims and only covering a percentage of what they want to cover?

    This insurance company and my doctor, who I believe is over-billing my insurance, are all scammers. These people need to be investigated.

    I’m switching to my wife’s insurance right away on the next open enrollment, and I’m going to switch doctors. I’ve never had such bad experience in my life. Being middle or lower class here in America sucks. I’m better off having no job and having CMISP or Medi-Cal as my insurance. Not to mention, I’ve had to submit the Cigna claim forms several times since Cigna lost my forms.

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    Moreover, Starbridge Cigna only covered 30% of my doctor’s claims, even if my doctor was in the network. There’s something very fishy about this insurance company.

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    I am a medical biller, and this is the worst company ever. Any insurance is better than none? You are a fool.

    You are going to pay out of pocket because they will not pay a dime. They lie, lie, lie, and do not pay claims. They have an untrained and immature staff. I feel sorry for ANYONE who has no choice but these idiots.

  • Worthless /
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    This “insurance” is offered to employees that the company doesn’t give a crap about. I have been covering my wife on my employers insurance plan since I graduated from college, but it gets real expensive covering her as well as myself and son.

    So when she finally got a job that offered insurance for her, I was glad since that would be less out my paycheck. I was glad that is until I found out it was this POS (and no I don’t mean Point of Service, I’m referring to the OTHER meaning of “POS”) plan known as Starbridge.

    This plan is such a joke I told my wife not even to bother with signing up, and I would continue to cover her on my plan at my job.

    Her Starbridge plan would have only covered TWO medical visits the entire year which includes office visits, and anything worse than a common cold wouldn’t be covered. Prescription drugs were only $200/year AFTER a deductible. This is nothing but a sick joke that companies offer to their employees they don’t give a crap about, and these same companies wonder why their turnover rate is so high.

    They lure employees in by saying they offer health insurance, but when they start working, the employees realize how worthless their insurance plan really is.

    Starbridge is a poor excuse of a health plan company and if it costs more for an individual to pay for the plan then what they pay for coverage, then something is really wrong.

    It’s a shame that some people really don’t have a choice but to choose Starbridge and that companies like this can continue to operate.

    If you have a choice, avoid Starbridge, get a REAL plan from a reputable company, you may pay more, but if you get sick, you will find out that its worth it.

  • Charity /
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    I worked for Kohl’s, and the only insurance they offered for part-time employees was this company. I had no choice for a while because I turned 22 and was no longer covered by my parents’ insurance. Their list of providers was outdated and incorrect.

    When I did need to see a doctor on their list of in-network doctors and scheduled an appointment, I ended up waiting for 40 minutes to an hour in the waiting room because they told me that it can take up to 3 hours to verify that I was covered! They never told me anything, and I ended up signing the waiver that I would pay if my insurance never called back.

    I was embarrassed during these types of visits. I ended up going to use Tonic by Blue Cross for $40 more a month. It was MUCH better with no issues about being covered.

    I’m sorry companies only offer this to their part time employees. It is such a scam. I hope the healthcare overhaul will take care of this company once and for all.

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    I was refused coverage for doctor visits and prescriptions, so this insurance is basically worthless to me. They take my money and give me nothing for it. Where I come from, that’s called theft.

    This company is a criminal operation as far as I’m concerned. Does anyone know how to go about cancelling it?

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    I’ve signed up for this insurance through my work since that’s the only option they give us. I have never used it and after getting hit by a car on my bike(drivers fault) I finally was forced to use what I could.

    It covers hardly much and now my settlement may not even cover all my medical, and if I didn’t have insurance I may have qualified for getting more help covering expenses. I am seriously considering paying more for an actual insurance plan.

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    The same thing is happening to me. There was only 1 dentist on the list that took adults and when I finally reached them they were very confused. They were never a provider for them.

    When I reached a customer service associate she said it was not their fault as they needed to call and take themselves off the list. How can they take themselves off the list if they never asked to be put on the list??? I then tried to find a doctor for a check up. The same thing.

    Finally, one dr. who acknowledged them and the receptionist says you have to go pick up forms and then the Dr would go over all of your history and then decide if he would take you as a patient. WHAT?? I think I will stay away from this one! I have been trying to cancel for a month. They never sent me any cancellation forms with my policy and whoever I spoke to stated that they had to be mailed out and not e-mailed.

    When I received the form in the mail it did not have anywhere to input my name or anything. There was only a signature line. I called again and another rep told me that I needed to put the info on the other paper. WHAT other paper? She then asked me if I would like her to email the form to me. I jumped on that! I faxed it over the same day.

    Meanwhile, they have deducted from my account 3 times SINCE they received the cancellation notice. My company must be in bed with them because they are not willing to help even though this is being deducted through payroll. I have not been able to go to the Dr or dentist because I cannot afford to pay them and for my medical services. All that is left is to quit my job to make it stop.

    Since these complaints are so similar I would like to get together with anyone who is willing to take them to court and sue for our money back. If there is enough of us we have a valid case. They cannot legally sell us something that they do not have to sell us in the 1st place. I don’t believe that their list is just outdated. I believe it is bogus!

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    This should not be called not a “limited benefit plan.” This should be a called what it is: a scam, and it should not be legal. You pay for coverage, and they cover almost nothing. You only find out after the visit that you have a huge bill, and they pay almost nothing.

    Do not go through this. Listen to the unanimous verdict of their customers that this is a scam.

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    Everyone above is right! Not insurance, a scam, and a hoax!

    I, like others, thought that any insurance was better than none – WRONG! I would have been better off saving the premium that was taken out of my paychecks and paying out of pocket!

    Been fighting for months to get some bills paid and keep getting the runaround. Limited coverage, my butt – no coverage!

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