Cigna Medicare Supplemental Insurance Plans Reviews

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.

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!