Cigna Medicare Supplemental Insurance Plans Reviews

Zero stars is more like it. I purchased 4 policies to help protect my family in the case of unforeseen circumstances. My husband was hospitalized for 3 weeks, on life support, flight for life transported, etc. I filed the claim with my insurance July 9th of 2025. I fought with Cigna for months, providing information ad nauseam....Only to receive a pitiful payment in October of 25. Worst supplemental insurance ever. Do yourself a favor and get Aflac!!! Canceled all 4 policies today!

Cigna did on September 30, 2025 create a crossover to Medicare for my policy. It took 90 days to get this done. I don't know how long it other plans to get this done, but this seem like too long to have claims unprocessed through what my insurance card states is a benefit on my policy. Cigna did process on 9/21/25 my claim for service date 7/11/25.

After receiving a late notice for payment from the provider, Cigna processed the claim. Going forward I will be watching closely for how long it takes claims to process and if Cigna payments meet the terms of my policy.

Recently, I submitted an application for Cigna's Medigap policy. Their response was a denial of coverage because of medical conditions I do not have. They say these conditions came from my doctor's records. However, after checking with him, none of their claims are valid. This information is simply not on my medical record as they claim. They listed diabetic nephropathy, chronic kidney disease, kidney damage, less than normal kidney function and dialysis and thus denied my coverage. None of this is true, and I had my physician write them a letter ruling out all of these conditions.

Updated on 08/02/2025: Horrible, limited network of Doctors, Since going on Cigna Medicare plan in January of 2025, I have had to change several Doctors for treatment that had gone to many years. Just Recently They just denied my ability to order CPAP supplies for my CPAP machine. I have been diagnosed with Severe Sleep Apnea many years ago. I stop breathing during periods during the night. So will try send back to my CPAP supply provider my recent order, and just reuse old supplies and hopefully not get some infection of some type. Stay away from Cigna, big mistake that I had made.. After paying Medicare my entire life and still paying now, your Medicare premiums, would think would receive a minimum standard of service from Medicare insurance provider. I guess Cigna wants more billions in profits.

I have had Cigna Medicare insurance for years. I have had two heart attacks and a stent place but was denied a cardiac catheterization when there was a definite blockage identified by my cardiologist. I am extremely disappointed in Cigna. Their solution I could file a complaint. Doesn't exactly make me feel like I'm a valued customer. Find a good agent and a plan for you do not need authorizations. Luckily I lived.

I was enrolled in the Cigna Total Care D-SNP Jan 1st 2025. As of January 21, 2025 I have not received an id card, otc card, welcome kit, provider directories etc. A grievance through Medicare was begun 2 weeks prior & still no materials or cards. Unable to see doctors or fill medication & use over the counter benefits.

I tried to help an elderly friend sign up for Cigma Supplemental medigap "insurance" today. It took HOURS and around 5 or 6 calls to "Cigna" reps who spoke "English" with an accent so thick and/ or spoke so fast that we couldn't understand nor hear. We arriived at the last page of the application and couldn't "submit". More calls to incoherent reps! "Advised" to register over the phone which adds 5% to preminums! I felt that I had let my 78-year-old friend down, but it looks like this is how USA "insurance" (haha) are operating these days. It's pretty much hopeless.

If it were possible to give this "Insurance Plan" a rating in negative numbers I would. I am a disabled man who took this plan to see specialists. In this plan I have been continuously removed from doctors who were local for doctors an hour away one way. Then they have mislead medicare stating a recent colonoscopy showed signs of cancer that never were reported to me and are not in my record. They raised the cost of essential medications 300% in one month. This is simply insurance to pay more for everything!

I found I needed ** to treat Hepatitis C I contracted from a blood transfusion years ago. I use Cigna for Part D Medicare Prescription Supplement. Prior Authorization was denied 3 times, 2 Appeals denied. They wanted me to pay just shy of $10,000 for 84 pills for a drug that will save my life. I pay for this insurance, but Cigna doesn't care about patients. ONLY THEIR BOTTOM LINE!!! AND THE DOLLARS. The CEO of Cigna makes almost 21 Million Dollars a year in salary and stock options. Now you see where their priorities are at. After extensive research and my Doctor's assistance in finding another source for this drug **, I was able to find a reputable pharmacy in Canada my Doctor has used in the past and saved me 75% on the cost of the drug **.