Cigna Medicare Supplemental Insurance Plans Reviews

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.

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.

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.

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.

WELL I STARTED in 2014 in the beginning all the way to November of 2018. Everything was fine. The drug I was taken for my prostate have got a Genetic So immediately without any advice was send Genetic. This loser send me that I almost end on Emergency that night. My Dr Wrote and was authorize brand name. (attach scan of letter) Of course the Pharmacy say my Dr don't Know how to write Prescription, so after I told my Dr that he send another Of course the beautiful people from HOME DELIVERY IGNORED AGAIN. WELL BY NOW I am 90 pills behind, well they return my 1.25 for my Genetics, I did not get nothing I have pay my insurance, but did not get medication, next refill the same, I have pay 3 moths of insurance but no medication.

Hammond, La 70403 Cigna Supplemental Benefits, I was contacted (on my work cellphone) by Paula ** on 03/21/18. She informed me that I needed to sign up for Medicare before I actually turned 65. She talked to me briefly and lead me to believe that I was actually signing up for original Medicare (A&B). Due to lack of knowledge and not being educated on the many parts of Medicare, I gave her some of my information. She already knew as much about me as I do. I was receiving online bank statements at the time.

This insurance company ignored Medicare protocols for level of care admissions for authorizing appropriate inpatient services for physical and occupational therapy rehabilitation after a patient I am currently serving as a medical and financial POA for. After diminished physical fine and large motor skills due to chemotherapy side effects this insurance refused to pay for appropriate level of care in order to build her up to a self sustaining level. They placed her in a facility with low level care services and after two days I was informed that she would be self pay within 5 additional days. She had a TOTAL of 3 1/2 in that 7 days.

Updated on 03/17/2019: This is a follow up on my below complaint of 12 29 18. They have now refused to pay me. They said I had verbally agreed to buy their insurance per below in phone conversation. (I don't know- don't have their phone recording. Say they'll send it.) I said go ahead to #2 and they said in #3 I had 30 days to cancel. I said to them, "Download your info in #2 as in if you want to but 'I don't care'." At any rate it was a deceptive way to obtain a contract when the clear simple way would be to have me sign or not sign a contract mailed to me. At any rate they knew or should always try to find out if I already had a supplemental insurer which I did. So their policy did me no good. Don't know what my legal grounds are. But this is a scam.

I have enrolled joined Cigna Medicare Supplement Plan G last year when I turned 65, and I tell you that they have the best Plan as far as cost price. Benefits maybe the same like United Plan G and other Plan G Supplements, yet cost price, Cigna has the lowest best pricing. I have searched all of them and together with customer service relations, Cigna Medicare Supplement CS have exceeded my expectations. So easy to call, easy to talk to them, the friendliness of staff, their business obviously is focused on customer first-priority, they are just Awesome! Therefore, they deserved my 5-stars rating, and strongly recommend for seniors looking for Part B Supplement Plan G, PPO, the best in the West with $183 yearly deductible, which maybe $185 now for 2019, still not bad, and that's it you have to pay, nothing more!

I called Cigna today for my dad who is very hard of hearing. He wanted to pay an annual premium and not monthly. I called the head office and I could not believe what they told me. He will be billed ** per month but I said I want to pay for a year. They quoted me a number and it is $1.30 higher than if he paid by the month. I then talked to a supervisor who told me if he paid ** then he would save .24 cents a month. I said, "No. He should be saving 2 or 3 hundred dollars a month." And she finally said, "We do not offer that option." I wasted 45 minutes trying to get that answer.

I applied for Cigna Medigap insurance. I have not been in the hospital since my last child was born 35 years ago. I have had one doctor visit in the past year. I had a flare of polymyalgia rheumatica (last flare was 15 years ago). As a result, I took a low dose of **, tapering it over 6 months, currently down to 1/2 mg, due to be off it in a month. I was denied coverage for this. I had a phone consult with someone with no medical knowledge (I asked). Very disappointed!!!

I have been a customer of Cigna Medicare Supplemental Insurance for over a year. My payment comes out of my checking account automatically monthly to Cigna. I had changed my bank account because of fraudulent activity so contacted Cigna to let them know of the change and the representative told me she would put in the 28th as payment date. They would send out paperwork. I also could go online to make the change. I did that but put in the 1st as the date to take premium out. At that time, I had forgotten that the 28th was put in. So on 6/28 a payment was taken out and on 7/5 a payment was taken out.

I had a fairly good experience with them. I had no major issues and it was easy to find doctors that expected the insurance. My co pay wasnt too much and I didnt really have to pay much money out of pocket after visiting the doctors. When I had questions the 1-800 was very easy to use. Not every doctor expects the coverage though.

It is a responsible company that has helped my family and me alike in the search for medicines and supplements for my condition. They have not let me down. Their quality and ethics when working and their products are priceless for users who uses them for various purposes. They maintain high standards of quality in their products and services, so that they reach the user who has trusted them completely. Their products leave nothing to be desired.