Cigna Medicare Supplemental Insurance Plans Reviews

These insurance companies and Drug Manufacturers work together to keep prices artificially inflated to increase profitability. It's a sad situation we have in the USA when you have to go out of the USA to buy drugs that will save your life and were developed in the USA. I'm a Senior Citizen with limited resources, but Cigna could of cared less. Well I'm done ranting. Just beware of Cigna. I had to learn the hard way. Maybe I should have crossed the border illegally so I can get the free health care the foreigners get. I guess paying taxes all your life and contributing to our economy means nothing.

6. Unless you want unending headaches, I recommend against using 'Cigna' Part D

I went to the doctor last year with something torn in my arm. (Don't lift 90 pound bags of stucco mix when you're 69 years old.) I knew it was much worse than a pulled muscle. My doctor said my insurance wouldn't pay for an MRI until after I went to physical therapy first. All physical therapy did was make it worse and cost me a lot of money. My arm still hurts nearly 2 years later, and I got to pay $447 out of my pocket for NOTHING. I looked at the bills from last year, with a single visit to the doctor, a blood draw to check my vitamin D level, and several visits to physical therapy. I had $233 for my deductible for my Medicare part B, but had an additional $244 that was also my responsibility. Cigna paid $29. Whoopie.

I called and got a story about how Medicare approves the amount that will be paid, and pays 80% of that. Then Cigna pays the remaining 20%, but if Medicare doesn't approve payments, neither of them pay, and for some reason, Medicare denied some of the items on the bill. Cigna just blamed it all on Medicare, and I got stuck with the bill. I don't know what would not be approved, when I went to the doctor for my sore arm, and she sent me to physical therapy. Seriously? So instead of getting the MRI in the first place, I wasted my time going to physical therapy, and paying a additional $477 for the privilege, all because Cigna didn't want to pay for the MRI. And I have had pain in my arm for nearly 2 years. Thanks for nothing, Cigna.

Then I read the language in the policy about the coverage outside the country. It states Cigna will cover "80% of the billed charges for Medicare Eligible Expenses for medically necessary emergency hospital." So if the hospital charges me $1000 a night, and the expenses Medicare determines are eligible are $200, I'm stuck with the rest? Just because Medicare determines a price is eligible, doesn't mean a foreign country is going to agree to that amount, and although this might be enough to cover the cost in Mexico, what about Italy?. I will be purchasing travel insurance with my travel agent after this, and switching to another carrier at the end of the year. I have paid thousands of dollars to Cigna for the last 4 years, just to have them pay virtually NOTHING on any of the bills. I'm tired of throwing my money away. Stay away, unless you want to spend thousands on premiums and never have any of your bills paid.

I was told it was because of my Diabetes. I told them I never had Diabetes and didn't ever use insulin. In other words I was told "too bad." It is too late to change, you can only change at the end of the year, so you are stuck with it. My words but this is the essence of the conversation. I paid almost $600 too much for their lack of telling me they didn't have the same program and their mistake of thinking I had diabetes. This year, right at the time to sign up, I checked with Cigna about the problem and told them, "DO NOT GIVE ME THE SAME PROGRAM. I do not want it, and I am going to check on other companies. I only take 6 pills a day and only one is of a higher price."

My new program is only $15 a month, and it is the same group of pills I took last year. I have complained to them but to deaf ears. They say it is my fault for not asking more questions. Second complaint already with E.S. My Dr. called in my RX to Kroger, I was told they were 30 to 60 days out getting it filled. I called Cigna and told them that This is a very important drug for me, and did they have any to send out as it was really affecting me not to have it. They said that they did have plenty but I needed to get my Dr to send a new Prescription directly to them. I called my Dr and he sent it out within an hour. A few days later I get an Email update that the RX was received, but the next step, Being filled was not checked. This was now 10 days without my Med.

I tried to call them, wait was almost 40 mins so I hung up. I tried several more times and no answers. I called another number and asked if they could somehow help me get an update. I was sent over and got a robot, who kept wanting me to sign up with more programs, and would not take NO for an answer if I wanted to sign up. Every time I said NO it said, "I am sorry I can't hear you." Finally I said YEs and it heard that. They wanted to do it right now, and I demanded to speak to a real person. I finally get the number and when it would answer, it would go dead. I did this about 6 times and finally got through.

They told me that it was not labeled as URGENT, so it takes up to 10 days to get it shipped out, I told them when I placed it I told them it was urgent. She said she would call over and see why it was not sent yet. I was on a dead line for 20 mins and she finally said that she changed it over to urgent and would get free deliver for being urgent. She then said, on Tues, that it would be sent out on Monday. I asked if this was Urgent or just inability to get the job done. Nothing more I can do, so now it will be 3 and a half weeks of being without my Med. HORRIBLE for both Cigna and Express Scripts. So sorry I will have to deal with this next year,