Cigna Medicare Supplemental Insurance Plans

Cigna Medicare Supplemental Insurance Plans Reviews

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About Cigna Medicare Supplemental Insurance Plans

Cigna is a coverage provider that offers Medicare supplemental insurance and Medicare Advantage plans for adults over 65. Its website has a quote tool to help you estimate your rates, and many of its flexible plans offer cost-free benefits. Most of its plans are HMOs, but it provides policies all throughout the U.S.

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Cigna Medicare Supplemental Insurance Plans Reviews

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    How do I know I can trust these reviews about Cigna Medicare Supplemental Insurance Plans?
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    Page 2 Reviews 10 - 40
    Customer Service

    Reviewed July 20, 2021

    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!

    Cigna Medicare Supplemental Insurance Plans
    Cigna Medicare Supplemental Insurance Plans
    Pinned

    Hello Lisa, I apologize for the troubles you have encountered. I would be happy to assist. Please email me at LetUsHelpU@Cigna.com. Thanks-DN

    CoveragePrice

    Reviewed June 20, 2021

    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.

    In 2016 however, the U.S. government suspended new enrollment in Cigna Medicare Advantage health insurance and prescription drug plans, saying Cigna had “widespread and systemic failures”. CMS said Cigna did not handle complaints and grievances properly from patients who had been denied coverage for health benefits or drugs. Officials also found problems with its list of covered drugs and said it did not handle its requests for prior authorization and exceptions as it should have. Apparently, Cigna worked its way back into being a Medicare provider. Nevertheless, folks should be diligent and find out the exact copay --- every year --- for medications before enrollment ---every year during Medicare Open Enrollment October 1-December 7 annually. Nobody wants unwelcome surprises.

    Customer ServiceCoverage

    Reviewed April 3, 2021

    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.

    Another bill in dispute is from 10/2020. After several other calls and appeals filed, the last thing I was told was that the doctor didn't present the bill soon enough. This is **. The doctor had to resubmit since the initial request was denied because they thought we still had Aetna. I had no idea this was happening until I started receiving bills from my providers. This is ridiculous that my physicians are having to wait months to be paid. I am sick of Cigna and when I am able am going to switch companies.

    Customer ServicePrice

    Reviewed Jan. 26, 2021

    The Cigna HealthSprings lures people in with their deceptive benefit package: prescription, OTC, Vision, Fitness supplements. Their OTC is the biggest rip-off. Their OTC catalog is extremely limited; the products are mostly generic, low quality, and far overpriced (for example: a tiny package of panty liners were $12 when comparable in-store brand name is much larger in quantity and size yet only cost approximately $3). Their Vision supplement/Superior has a $200 limit on eyewear and the only vendors allowed have prices greater than $500 on eyewear. It would be much less costly if clients paid out of pocket to a Sam's Club or Costco Vision; therefore, Cigna/Superior is useless.

    The Fitness plan gives a few options all a joke (for example, gym passes are for one month only and have to be requested monthly). Just applying for these benefits requires clients an extreme amount of time to surf through for best and less costly options. Cigna prescription plan is just as frustrating and time consuming; nothing about it makes it easy to find the best options and cost for medications. They just charge and allow vendors to charge you whatever they want. You have to find the cheaper options on your own. The Customer Service is almost useless in assisting you.

    Reviewed Jan. 22, 2021

    Seems to work flawlessly, although it’s odd that my supplement has a different deductible (higher) for the year than Medicare does. Medicare processing makes it all so easy and I get my report on payments making it clear.

    Reviewed Jan. 12, 2021

    Most everything about Cigna has been excellent. Very few claim problems or issues and good service when there questions. The only reason I did not give them 5 stars is because of the escalated premium increases.

    Reviewed Jan. 11, 2021

    This is paid for by my pension and they have been excellent during last spring serious hospitalization. There was NO large balance due after Medicare and Cigna paid the bills. I have had NO complaints from the last 5 years.

    Price

    Reviewed Jan. 10, 2021

    Cigna has the best plan that I researched. My RX for Inhaler was $80 cheaper than my last plan. I would recommend Cigna to any Medicare beneficiary. Never had any problems with claims. My doctor likes Cigna too.

    Customer ServiceCoverage

    Reviewed Jan. 9, 2021

    The plan I have has several riders which made it attractive to me. It is basically an 'F' plan. Customer service answered my questions and gave us a discount because my husband & I have the same plan. My husband is a type I diabetic & coverage has been very good.

    Reviewed Jan. 8, 2021

    I have plan F. It has a high monthly premium but I do not pay copays and have not had to pay anything additional for out of pocket screenings or diagnostic procedures such as EMG, echocardiogram, stress ECHO, ER admission etc. I think you pay one way or the other. I prefer paying upfront. I hope the premium flattens out.

    Customer ServiceCoverageStaff

    Reviewed Jan. 7, 2021

    When I signed up last year and call Cigna Medicare nobody could find me in the system. Most employees did not know what to do either. This year they did send me some of the information and the new cards but not for the dental and nothing for the vision. I will have to contact them again and hopefully I'm in the system. It's pretty bad I will change my insurance pretty soon.

    Profile pic of the author.
    Customer ServiceCoverage

    Reviewed Nov. 1, 2020

    That Superior Vision is a big JOKE. Nobody takes Superior Vision thru Medicare, I called many places from what Superior Vision has on their website, nobody absolutely nobody takes those insurance, that is just a trick from Cigna, so you sign up. I am very disappointed.

    Customer ServiceStaff

    Reviewed Sept. 15, 2020

    My prescriptions were not delivered by the mail order pharmacy. Cigna refused to allow my prescriptions to be refilled even though I had been without them for several days. They blamed PillPack (the mail order pharmacy) for holding up Cigna's refund and said they would not authorize the local pharmacist to refill the prescription until they were reimbursed. I was on the phone for over two hours in two separate calls. The first representative was very nice and obviously was trying to contact the various departments at Cigna. The second representative kept denying that Cigna was blocking the prescription even though that is what the pharmacist told me. They want me to call back again for a third hour.

    Customer ServiceCoveragePrice

    Reviewed July 4, 2020

    One would think ** wouldn't be a problem for insurers. I didn't have a problem having it covered years ago from a different insurer. I recently signed up for Cigna's drug prescription plan under contract with Medicare. They declined to cover the $20 it cost me for my 30 day supply. Why? Because. That's right. No answer. ** is the -only- medication that would quickly cure my illness, yet they declined to cover it - without-explanation and it took them 3 days to do it. I paid for it out of pocket immediately because the pain I was in was physically debilitating. I am paying Cigna every month along with a substantial annual deductible, for them to decline the very first medication I desperately needed and was prescribed. I will seek other coverage.

    CoverageStaff

    Reviewed Feb. 28, 2020

    This insurance company cares nothing about people. They claim they do, but they really don't. Their "together all the way with you" marketing motto is such garbage, that it makes me sick! Besides it's not even true in actual execution. For example, my 87 year old grandmother is being denied coverage for a hip fracture, which Cigna is claiming isn't medically necessary. She needed X-rays at first, and will probably need to undergo a hip replacement surgery since it hasn't healed fully after almost 5 months. Cigna however, is saying that she does not need the hip replacement surgery because it is not medically necessary.

    They claim that she just needs more time to allow the hip to heal, even though it's been 5 months of excruciating pain, on her part waiting for her hip to heal. Her primary care doctors say that she needs this surgery, her orthopedists also agree that a hip replacement surgery is medically necessary for her. Only Cigna is saying it isn't medically necessary though, just because they don't want to pay for the procedure. They're basically attempting to find any excuse not to cover it, even going so far as suggesting that the doctors misread the X-rays in the first place and that her hip isn't really broken.

    I guess the bean counters at the insurance company know more about a patient's medical symptoms than qualified doctors do.... even though those same bean counters haven't even assessed my grandmother's health. This insurance company: Cigna is a total scam, not one I would recommend to anyone whose elderly relatives rely on compassionate and ethical medical coverage from a morally responsible insurance company. Cigna is none of the above: they are clearly not ethical, do not care about patients and show no compassion towards them, and have no moral compass whatsoever.

    Do not enroll in medical coverage with Cigna, for any reasons. You will get taken for a ride and basically swindled out of your insurance premium dollars and the company will refuse to stand behind the same insurance products and services it offers to the public. My grandmother is going to end up losing everything she has now, and simply because this greedy insurance company: Cigna wants to save a few dollars at the expense of an elderly woman's health and medical care. And hopefully the company won't try to whitewash everything either, for example "I'm sorry to hear about your negative experiences, let me look into this for you...."

    No way, don't believe it for one minute either! This company: Cigna had countless opportunities to "look into this matter all along" and make things right for my 87 year old grandmother (who is unable to write this review herself because of her severe arthritis). But still, don't believe Cigna's cliched responses for any reason. They only post standard "sorry to hear about your bad experiences" type reviews to try to minimize the impact of the bad publicity. Just don't fall for it though, don't fall for their tricks of exercising major damage control to minimize the impact of the bad publicity. This company is terrible, has no morals or scruples, and their business (especially their Medicare plans) thrive on taking advantage of the elderly. Please don't say that you weren't forewarned before signing up with them...

    CoveragePrice

    Reviewed Feb. 4, 2020

    They covered nothing, and then had the nerve to charge me for renewal when I did not do so. Then had the nerve to say they could do so, Avoid at all costs, this is an expensive ripoff. They refused to refund the money they had charged me after I had cancelled my coverage and I was forced to go to my bank and put a stop payment.

    CoveragePriceStaff

    Reviewed Jan. 29, 2020

    Every time I turn around this company adds a cost & deductible. It is my opinion that if you pay for insurance it should be for the customer. Thus, I see commercials of them paying most likely exorbitant fees for Hollywood actor/actresses to sell them. I for one, get turned off as common sense should tell customers that this is a crock as these people can afford just about any cost. They are a joke. Additionally, if this were to be put aside those fees may help lower the deductibles and costs of the plans. If you work, you are able to keep up with fees, when retired. Try it!!! And even having the plan is not a guarantee of covered expenses. They can choose. Also, a board of doctors choosing what you get for your health is obnoxious. They do not know each patient individually!

    Customer Service

    Reviewed Oct. 10, 2019

    New to Cigna. Will go into effect 10/1/19. So far great customer service. All G plans are the same however Cigna has the best premium out there and holds that premium for the policy year unlike others who find ways to up your premium like inflation.

    Coverage

    Reviewed Oct. 6, 2019

    They pay my bills and there is no hassle. If it was not for this coverage I would be bankrupt. It really is a life saver. When I go to my Doctor there is no Co-pay at all. I have had no billing problem and all my doctors accept the coverage.

    PriceStaff

    Reviewed Oct. 2, 2019

    I have Cigna true my work, but the cost are too much. They working with cheap doctors. The medication cost a lot of money. More money I make more I have to pay. I can't now but medication in other places only at walgreens.

    Punctuality & SpeedStaff

    Reviewed Sept. 30, 2019

    I make payments through my Employer for this insurance and finally needed it because I had 2 surgeries it was 3 weeks for the first surgery and that spilled into the time for the other one both combined 7 weeks. It took 3 weeks to get my first check which was sent to my old address that took another week. They approved me up to a week before I was to return to work. A lot of my Bill's fell behind and it really kept me on edge because couldn't estimate when I would receive them. It has been a very stressful time for me. I hope that no one else has to go through this. Hopefully your experience will go better than mine did.

    Coverage

    Reviewed Sept. 27, 2019

    Cigna plan f covers everything that medicare pays for and there is no out of pocket expenses. There are no co-pays either. It does not cover medications so you would have to have some sort of coverage separately.

    CoveragePrice

    Reviewed Sept. 26, 2019

    I was surprised to find that my coverage after retirement was actually better for less cost than when I worked in healthcare. The donut hole for prescriptions is the real problem. They have been saying for about a decade that it will change but in the meantime it’s a real problem.

    Process

    Reviewed Sept. 25, 2019

    I have never had a prescribed drug not go through yet that I needed on the higher end of the tiers of drugs. They always process things efficiently and are thorough with the things they send about your account and spending each month.

    Coverage

    Reviewed Sept. 24, 2019

    Cigna was great until they decided to no longer cover me due to pre-existing conditions. Honestly? I look forward to the dissolution of the entire health insurance industry. These are parasitic organizations that provide no real value to the consumer. We simply rely on them because they have hacked into our governmental systems and forced their way into our lives whilst simultaneously lobbying against civilized public options for single payer healthcare. I'll never use Cigna again, and i also look forward to firing my SE Asian health insurance company as soon as my country achieves a modicum of democratic representation and healthcare for its populous.

    Customer ServiceStaff

    Reviewed Sept. 21, 2019

    They are the worst company ever, rude, and insensitive and liars. Their customer service is subpar, their supervisors are incompetent and useless, they have no empathy, and no one should ever use them at all.

    Reviewed Sept. 20, 2019

    Cigna is a great plan and excellent value except for one thing, their association with SilverScript. We do not have anywhere near what other people our age have in prescriptions but we pay as much or more than any of them. The stop gap on this plan is too low and the out-of-pocket after that is way out of line for any senior on fixed income.

    Coverage

    Reviewed Sept. 19, 2019

    A good supplement policy, I need a policy that covers vision and dental visits. I am told that there is such coverage available, just finding the right policy. There is advertisement on television about some new coverage that has come To being.

    Coverage

    Reviewed Sept. 18, 2019

    I have had this supplement for about two years. I have had two ankle surgeries and an abdominal surgery and I have paid NOTHING, CIGNA covered everything that Medicare did not. I do have a monthly premium but it is nothing compared to what the excess from the surgeries would have been. I never even receive bills as it is taken care of very expeditiously.

    Reviewed May 8, 2019

    I purchased a supplemental policy with Cigna through my job as a teacher 6 years ago. I paid $47.00 a month to this company in case of a critical illness (heart attack, stroke, etc.). Unfortunately, I had a stroke October 16, 2018. The company refuses to pay the $5000.00 rider stating I had the wrong type of stroke. Instead, they stated they are sending me a check for $161.00 for the cash value of the policy. Beware of this company (read the very fine print). It seems they will find an excuse not to pay.

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    Cigna Medicare Supplemental Insurance Plans Company Information

    Company Name:
    Cigna Medicare Supplemental Insurance Plans
    Website:
    www.cigna.com