Cigna Medicare Supplemental Insurance Plans Reviews

STAY AWAY FROM THIS COMPANY. Now I know why Health Spring took over Cigna Medicare. CIGNA SUCKED! I have been waiting for over a year for my acupuncture $300 reimbursement and every time I call I get another "yahoo" that does NOT know what they are doing. The last person I talked to was a supervisor Brian and he said there was an error on their end that another person's claim was attached to my file and that was the reason why it was denied. He told me that they would have to fix it on their end and it is still not fixed. All they keep saying is to fill out the forms again and mail it to us when it cost me over $20 to mail it the first time. The Appeals department has a FAX number and they do not???? Yeah right! This whole thing is BULLSHIT! You wonder why you lose customers, this is why.

Cigna Healthspring Medicare is a total rip off! I am so unhappy with the services offered as I’ve been waiting for an MRI for months and after appeals by my GP still cannot get it done. I’m so desperate to have an MRI on my right shoulder, where we believe I have a bone spur in the rotator cuff, that I’m paying $400 Cash to finally get it done since I’ve been fighting for months and more appeals and more PT is NOT the answer! This is so stupid because in the end six more weeks of physical therapy is going to cost Cigna more money than the MRI would’ve cost to start with. This is nothing except a blackmail way to not have to pay for the MRI.

Cigna Supplement policy through work. This is the most worthless outfit I have every dealt with. March 3 I broke my leg, took ambulance ride, 3 days in hospital and surgery. I have submitted everything I can possibly submit and the last story I was told is ten business days before decision is made. It is March 22, way past ten business days. After reading all these reviews I know they are going to deny the claim. Monday morning I am contacting the State insurance commissioner. This should not be allowed. AFLAC is way better.

Very unhappy with the service. What used to be CIGNA $25 a month change the Health Spring $75 a month. Do not want to provide coverage for many of my medications that I have to have. They put you on hold for a long out long time. Customer service don’t care about you or their job. They had me crying in the pharmacy.

To Whom It May Concern, I am submitting this correspondence as a formal complaint regarding the unreasonable delay in payment of my hospitalization claim, which was submitted on December 12, 2025. At the time of submission, I was advised that claims of this nature would be processed within 10 business days. That timeframe has long since passed, and I have yet to receive payment or a substantive explanation for the delay. Despite multiple attempts to obtain clarification, I have not been provided with a valid reason for the hold-up nor a definitive timeline for resolution.

After taking my first premium payment, sending me a policy card, they leave a message from underwriting stating there's an issue with my application AFTER the deadline to choose an insurer. I tried returning their call 4 times and waited 20 min each call, never got through. So auto voice asks if I want to leave a voicemail. I left a detailed message and haven't heard from them in the past week. Next year I'm trying Humana. Cigna is horrible.

Health spring took over first of this year. Received a welcome back letter (A BIG LIE) and a list of benefits. Received no new card for 2026. Received no letter informing me that they are no longer writing the policy in my particular Texas County. There were some others in this county that were affected. They apparently LIED in the welcome back letter. So here we are with no supplemental Medicare insurance at all. Called them - buck passing with the old typical - "Wish I could help you." What a bunch of jerks. I told them "This is not over." and I mean it. I know I will receive their pet reply that I have seen them give others on this site. Their organization SUCKS.

Terrible customer service! I was on hold for over 3 hours on two different occasions, no one answered! When I was able to at least leave a message, no one ever called back, it's been over a week! Do not select Cigna/Healthsprings for Medicare services!!

Title: 218% Premium Increase With No Notice — Extremely Disappointing. Review: My Cigna Part D premium for 2026 suddenly increased to $70.60, which is a $48 jump — a 218% increase. I only discovered this by reviewing my bank statement. Cigna says they mailed a notice to both me and my wife, but neither of us received anything. The only thing that arrived was their new insurance card with their updated name. I’m frustrated by the lack of clear communication and the size of the increase. A change this large should be clearly explained and easy for customers to understand. Instead, I had to uncover it myself after the fact. This experience has made me reconsider continuing with Cigna, and I think others should review their options carefully and monitor their statements closely.

Phone service hold times are horrible. My husband's application has been in process for over 2 months. My insurance broker states they are very behind. I have been on hold for over 2 hours today. Yesterday the same. We applied for coverage at the same time, mine came through- my husband is stuck in limbo! I am very unhappy we choose to go with Cigna.

CIGNA claims to have no record of payment via Social Security and claims account was set up as direct billing. However, SS informs me that direct payment deduction was set up at request of CIGNA, and deposits from SS to my bank confirm the deduction. I was dis-enrolled right at the end of the annual enrollment period and denied on appeal which is final. Requested to speak to the supervisor after one of many calls, and have now faxed CIGNA enrollment and SS documentation for review. Insurance agent and SS both say this is highly unusual, but it's really a CIGNA issue. Not giving up yet!

I used a broker to switch to Cigna Supplemental Medicare and got a phone msg saying I needed to answer a question on my application. First call I made mid-day I was on hold for almost an hour so I decided to call early on another day. I just did, got up at 7:30. As I sipped coffee I was on hold for one hour and 30 minutes. Still no answer. That really isn't productive so I intend to just wait and see if Cigna needs to reach out to me with another call. Meanwhile I haven't received my insurance card 3 weeks since being accepted. Taking this into account I regret selecting Cigna, and am telling the broker what a bad experience I am having thanks to her offering Cigna.

My wife and I had applied for a medicare supplement with Cigna. We were told it had to go through underwriting, so no problem. After 4 weeks and no word back we called and were told we were declined. So when we originally applied we were told they could charge us more because of our health, but nothing about we could be declined so it was a shock when they told us. If we were aware we could be declined we would have looked elsewhere as a backup. But the thing we could not understand they said it was because we had all kinds of medical problems that we do not have. 4 of the 5 things they said I have I do not have, same with my wife. They said we both were bipolar. That would make for an interesting marriage. They said my wife has cancer, she does not, never has. The one thing I have is chronic pain and apparently that was enough to disqualify me. If they had let know sooner at least we could have been looking elsewhere.

I had a Medicare Supplement (Medigap) plan G from Aetna, but they raised the price x1.5 times in 2 years, so I switched to UHC/AARP for 2025, but they too told me that their premium will also go up 30%, so I applied for the same plan with Signa. They first denied me a preferred rate and claimed that they tried to reach me to confirm a higher premium, which was not true - they never contacted me, but, after I reached out to them and objected their preliminary denial, they quickly approved me for 2026 at the Preferred rate that is much lower than my current projected UHC 2026 premium.

If I could give this company less than 1 star, I would. I have been unable to log in to my account for a couple of months after repeatedly calling them. Cigna was responsible for tiny amounts. In one instance, they owed the doctor 30 cents (Yes, 30 cents). I have been unable to get them to pay it or even complete the EOB after 3 months.. It is still in process. I owe $20 co-pay, but the Dr will not accept it, until they get Cigna's EOB. All customer service is centered in Asia and no one cares anything about customer service. Avoid this company.

I finally gave up trying to add a PDP (prescription drug plan) to my Medicare supplemental Plan G policy. I was transferred 6 times, and NO ONE was able or willing to help me sign up. I finally got to an "agent" and they even transferred me back to where I had started. I even tried the online link and it said no PDPs were available in my area. For Pete's sake, I'm switching my Medicare supplemental plan to another provider next year!

It has been 18 days since I applied for this dental/vision/hearing plan as a Medicare supplement. 18 days. I have called both my agent and CIGNA and everyone says that the "policy requires no additional qualifications for approval." So why am I waiting?? This is nonsensical and if I was managing that team, people would be working overtime in order to handle the "annual enrollment period" load.

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.