Cigna Medicare Supplemental Insurance Plans Reviews

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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!

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.