Cigna Medicare Supplemental Insurance Plans Reviews

As a Veteran I was confident Cigna would take care of my family needs medically and supplementally in case we ran into health issues. I'm afraid to say I have lost trust and confidence in the supplemental insurance part of the Cigna. I have Cigna for medical and supplemental insurance. My wife delivered our baby at 32 weeks due to some legit health issues and has been out of work since. Instead of the supplemental decreasing our stress levels these past few weeks they've increased it tremendously.

I am extremely disappointed with Cigna's handling of my claim. I filed a claim over a year ago, and Cigna sent the reimbursement check to the wrong address. This was not my fault, yet I was the one forced to spend countless hours trying to fix the mistake. After reporting the issue, Cigna required me to complete extensive paperwork, including obtaining a police report. I did everything they asked and submitted all the required documents in February. Then, just a few days ago, I was informed that I have to start the entire process over again because Cigna took too long to send the paperwork to the bank. The bank does not accept claims that are more than 30 days old, so Cigna's delay caused my claim to expire.

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.

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 **.

I signed up for a Cigna Medicare Supplement Plan part G, as it covers me when I travel outside the country. I am paying $260 a month, and get worse coverage than friends of mine who have $0 premiums with advantage plans with other companies. I checked with a broker about switching, and she told me I wasn't supposed to be receiving any bills with this plan, yet I am paying a lot.

Cigna advised the Proton Center that I would have a $550.97 copay on a PET scan with dye. My doctor say the test is medically necessary so I had to set up a payment plan on the copay before they would even do the test. I am also being charged a copay of $307.30 for medical services with no explanation of benefits. They take months to process my claims and the always state on my portion owed “Information unavailable”. So the medical companies send me bills for whatever they want. They lie and say eob's are available on their website but all it show is a monthly summary with no listing of what the charges are for. So, I am disputing this excessive copay charge of $550.97.

Nobody at this so called health care company knows what they’re doing!! They will do everything in their power to cheat and deceive you. Calling the right person is virtually impossible and they will outright lie to you and pass you on to someone else. Do not use this company!

I was contacted by Cigna and told they were Taking over E.S. and wanted to see if I was going to stay with them. I got a general sales presentation and I told them to just continue to give me the same program I was on with E.S. I was told OK. This was near the end of sign up time. About 2 months after they took over I realized I was not on the same program and my monthly bill was about 3 times higher than I was paying before. I called and asked why It went from $15 a month to $64 a month. I was told because they didn't have the same program as E. S. and so they had to give me this one since I had not specified which one I wanted. I told them I was not told about this in time for me to make a change.

Although my husband has had a Medicare Supplement plan through AARP/United Healthcare, we were lured by a lower, competitive rate by Cigna and decided to apply. What a nightmare this has been. Communication between Cigna reps across several depts has been terrible, people don't talk to each other about your case/application. After applying online, the commitment from Cigna was to provide an approval response within 7-10 days. 3 weeks later, after an exhaustive "phone verification" interview with many many questions about medical history, we were contacted by Cigna to say "phone verification" medical questions/answers are not entered into the application - that my husband now has to re-fill out this ridiculously detailed medical interview AGAIN, on a different form to be submitted to underwriting.

I called twice asking if this was a discount plan or an insurance plan. I was told each time "This is an insurance plan." I made an appointment with a dentist located on their website. That's how I found out it indeed is no more than a discount plan. I'm so glad I found out before they took any more money out of my account. If it looks/sounds too good it probably is! You get what you pay for! SCAM! SCAM! SCAM!

I've been in a Medicare Advantage Plan for 5 months and am trying to understand my medical benefits. I have called customer service about 5 times with questions about referrals and copayments, specifically to find out if Cigna has different copayments for 'independent' facilities versus outpatient facilities for a diagnostic mammogram and ultrasound. I'm familiar with other insurances using both and know that the copayments can be very different, depending on where you get the services done.

I don't know who it is writing good reviews of this company. The customer service is horrible. I just spent AN HOUR on the phone with 4 different people just to get the name of an imaging facility covered by the company. 4 people. And this is not the 1st time I've had trouble with them. I can't wait to be done with them. Open enrollment in Oct - just sorry I have to wait until 2022 to get rid of them.

I am absolutely unable to file claims for service paid out of pocket because forms are not available online and HOURS of telephone calls and promises by Cigna to mail forms have been unsuccessful. THE WORST!

I learned that Cigna doesn't offer inhalers at Tier 1 or 2 levels. Be prepared to trigger the $445 Annual Deductible and expensive copays for Tier 3 and above medications needed to help you breathe. But the prize for price-gouging goes to the Brand and Generic medications which are priced at the same Tier 4 level. Before you enroll in a Cigna Part D Plan, find out which of your medications are Tier 3 and above... and if they are, perhaps you should shop your medications outside of the Cigna Medigap plans. Part of the problem is that CMS isn't policing Part D Plans aggressively enough. One Part D Plan might classify a drug as a Tier 2 while another one might classify it as Tier 3, 4 or not cover it at all.

I have spent hours on the phone with many, many Cigna people trying to get Cigna to honor my Doctor's bills from 2020. First they denied because they said they were not my primary insurance. Previously I had been on my husband's Aetna plan from his employer. He retired 12/31/2019. And ironically, Cigna has been paying his bills. Cigna contacted Aetna and confirmed our coverage with Aetna ended on 9/29/2020. They finally paid my eye doctor after 3 months and 3 denials.