Consumer Complaints and Reviews
Our campus is switching insurance to Cigna health insurance. We were given a number for our people to call with our enrollment questions. I called to ask some questions about the insurance, twice. BOTH times I was told erroneously by TWO SEPARATE representatives of Cigna that I would be responsible for paying deductible for services that I learned later at our insurance fair I would not be responsible to pay. So I asked Cigna agent at the fair for a copy of the Summary of Benefits she was referencing on the computer, which clearly states what Cigna would be responsible to pay so I would have information in writing since we haven't even started yet with Cigna and I was already getting shafted. The Cigna rep at our insurance fair wouldn't give me a copy.
I called Cigna the next day and again requested the Summary of Benefits from the number our campus was given for enrollment and was told they don't give that information to their clients. WHAT? Cigna refuses to give coverage information to their clients?? These are OUR BENEFITS and we need to know what Cigna has agreed to cover and Cigna has been refusing to give me a copy of my own Summary of Benefits twice so far!! It seems obvious they must figure if you don't know what they agreed to cover they can try to manipulate you to pay out of your pocket for services you are supposed to be covered for, just as the reps I called originally did when they BOTH claimed I would have to pay deductible fees for a covered service. They have the Summary of Benefits at the fair that touts all these coverages but it's the old bait and switch apparently when you need the insurance.
When I originally signed up for the silver select plan the representatives which I spoke to were unable to give me information about the network. I was then given a primary care physician over the phone and signed up for a premium of 359$ a month. About a month later I came down with a sinus infection. The doctor that I was given was no longer in my network. My Ob Gyn that I was told I could keep was no longer in my network. My mammogram imaging center was no longer in my network. My dermatologist for skin cancer screenings was no longer in my network.
So after basically paying for everything as a self pay, Cigna had $3569 from me for the year and I had received nothing besides some help with a pharmaceutical. I decided to drop my plan and enroll in a cheap private health plan to avoid the tax penalty. I then made two separate phone calls to Cigna to stop the automatic deduction from my bank account. Going through two separate paths I ended up in the department that was to "help" me with the stoppage and was automatically disconnected. I had to go to my credit union, pay $35 fee so I could stop Cigna from continuing to steal from me.
I'm sorry to hear so many terrible experiences from others with Cigna and other Insurers. My Cigna coverage involved treatment for small cell lung cancer in 3 states over 2 years. I was working for a company with a national plan. As you can imagine with 3 hospitalizations chemotherapy and radiology it was pretty expensive. My prescription drug coverage was with another company which is relatively new and I withhold comment. I relied almost completely on customer service on a daily basis. If my explanation of benefits indicated not covered I was assured there would be coverage and usually it was. My out of pockets were paid by February. Fortunately that also counted expensive prescription drugs.
I had a serious issue with two different but large NY hospitals which were sent to collection. Cigna backed me up in my differences of opinion which I was vindicated and the collection process stopped. It was determined that I was being overcharged by the providers and apparently I wasn't the only one. There has been constant contact from Cigna from nurses before and after treatment. I can stop that at any time. I still have checkups and ct scans but less often.
I wanted to share a positive comment for a change. Even though it appears that everything was perfect it wasn't and there definitely needs to be some kind of continuity of an issue so you don't have to explain everything again for example. But at the end of the day I'm very satisfied. Wish me luck. I'm going to be medicare only in the new year.
Terrible first time using the insurance for my son and he saw a pediatric dental clinic. Today I got a statement telling why the services was denied. They denied because my son is 11 and he is considered an adult so he should see a general dentist. Wow. Just wow. So now I am being bill by the provider for $220. I don't need insurance. I get the same services in Living Social for $69 dollars. This insurance company is a joke.
I have been trying to get a sleep approval (in lab) study since 9/28. I have been given the run around since then. They have told me it has been escalated 3 times and every time I call (10/5, 10/12, 10/14, 10/18) I find out they will escalate it because no decision has been made. I was told it was with the director on 10/14 and would have a decision by 10/17. It's now 10/18 and now I am told they need to do a peer to peer before it gets escalated to the director. What a bunch of bs! This company sucks! If my company wasn't so damn cheap, we'd have better health insurance. Worst. Insurance. Ever!!!
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Cigna requires you to do a yearly wellness exam to keep premiums low. So I choice a in network doctor, and done my wellness exam. Cigna denied the claim saying out of network doctor. So I call them. They say the doctor's office used the wrong network code. The doctors office says the paperwork is correct. Meanwhile I have been attempting to try to get cigna to cover this claim for three months. I done what I was supposed to do. I choice a in network doctor off their list, and now they deny me based on an error on paperwork that I have never seen. There's no point in having insurance if they don't pay claims.
Cigna does not honor the terms of their healthcare insurance plan with regard to co-pay obligations. They are also not in agreement with my doctors about what is a preventive activity that would be fully covered by my plan and what is a diagnostic activity that Cigna will only cover a portion of after a $6000 deductible is reached. This company seems willing to do virtually anything not to pay a claim according to their contract obligations. I have constant issues with Cigna over virtually every doctor visit. All of my doctors have confirmed to me that they find this company to be the worst of all insurance companies for them to try to work with and that my bad experiences with Cigna are also happening to other patients they have with Cigna.
My doctors are part of the UMASS Memorial Hospital system in and near Worcester, MA. My doctors are all contracted to be Cigna CareLink Member doctors by UMass at the group level. However, Cigna continues to deny this and charges me co-pays as if the doctors were out of network and not Cigna Care Members. I had a 3 way call, of myself, Cigna and the top person at UMASS Patient Financial Services to attempt to resolve this. The UMass Dept head was armed with the contracts in hand for the discussion. Only after a great deal of difficulty did Cigna acquiesce to the facts on paper that the doctor in question was a Cigna CareLink Member doctor. A reference was put on file at Cigna ** and Cigna said they would reprocess the claim to correct the error.
Several weeks went by and I was re-billed without any correction. It turns out that Cigna sent the claim to their Claims dept to reprocess it and the Claims Dept would not do so. They stated that the claim was processed correctly - that the doctor in question was not a Cigna Care Link doctor - and would not be changed. Upon contacting Cigna, their customer service stated that they had included documentation from the call and reference ** to their claims dept to support reprocessing the claim and that they could not explain why claims did not accept it. I then asked about how to gain access to supervisors in their "rogue" unlawful Claims Dept. I was told that Claims cannot be reached. They have no phone numbers you can call and there are no people that you can talk to - that this group is fully insulated and unreachable.
Cigna said that their own customer service people can only contact Claims by email and they have no power to overrule decisions made by claims or change what seems to be a purposeful violation of the contracted agreement. I am still waiting for a supervisor's callback from Cigna Customer Service. Personally, I think that government regulators should investigate and file suit against Cigna, complaints should be filed with the state AG, and that class action suits should be pursued in order to address what seems to be blatant and intentional wrongdoing in an organization set up to shield itself from any oversight or corrective actions in meeting its contractual legal obligations. This is only 1 of many ethical issues with this company.
My advice to everyone is avoid this company like the plague. They seem to be an intentionally criminal organization. UMass Patient Financial Services has said they have done what they could do and could only suggest that I take this matter up through my employer - as Cigna is not honoring the contract that the employer has with Cigna for the company's employees.
I have been a Cigna customer for over 1 yr. My insurance comes out of a very hard earned paycheck from Bethesda Health. On 09/30, I lost my ** inhaler. It was due to be refilled on 09/06. I contacted Cigna and was told, "nothing we can do. Have to pay for it full price, $343.92." CVS offered me the same, as did American Express. Want to thank you all. You care nothing about the welfare of your customer. You should be ashamed. I am.
I was told by a surgeon that is in Cigna's medical network I needed surgery to repair multiple hernias in abdominal area. I want a repair two weeks early for this procedure only to be told by the hospital the night before the operation that Cigna has denied the claim stating that it could be done in outpatient status rather than inpatient status. I called Cigna and found out they use a nurse, not a Dr. to review the cases and I am not sure the nurse is qualified in the same field as the procedure to be done. THIS put my life in direct line of danger and will be a case for a lawyer in the near future. I had the procedure done on a Friday and there were 8 hernias to be repaired. The hospital released me since the all knowing nurse in some field of pediatrics I suspect had said that is what need to be done.
The next afternoon I was back at the hospital in the ER because of not being able to pass water. They admitted me after a test determining that my kidneys had failed from being unable to pass water. This in turn caused other organs to fail and they had to infuse two pints of blood. This is because the all seeing, all knowing pediatrics nurse. This is a shame to the U.S for this company to say care about customers. They also want records of ALL lab work done for a period of two years which is an invasion of medical rights involving any procedures they had nothing to do with. If there was a way to give a company a negative rating below 0, this company would win hands down.
If you do value your health, pay a veterinarian out of pocket for your care instead of paying Cigna any money. Their methods are barbaric and probably in line with the female CEO that raised the price of the pedipen by 700%. Yes this company is in it for the money and not their clients. I could see if they used Doctors to review the claims and may have an argument but using a nurse, maybe qualified in diaper removal and waste weight in pediatrics is not the way to go. After wearing a catheter for two weeks I am finally out of that. But trust me, Cigna has not heard the end of this by far. I hope someone reading reviews of Cigna does read this and goes on to someone else. DO NOT let them endanger your life.
I have spent around 10 hours on the phone with Cigna and another 10 hours preparing information they told me to prepare in order for them to refund my medical claim. They told me different things every time, lose information, and stall constantly. I will never subscribe to CIGNA ever again.
I connected online to a rep to make sure a specialist would be covered under my plan. I was assured that the practice was covered but that it couldn't be billed in the doctor's name. It had to be in the practice name. Lo and behold I receive $600 in fees from the office because they are not covered by the local plan version of my plan. Apparently she didn't look. I am online again to see what Cigna will do to remedy this. I doubt anything though. Oh and of course they keep no log of chats. I never received the emailed copy I requested either.
The Cigna Website for Participants to manage incentives and goals in an effort to reduce the premiums is misleading. It does not update within a timely manner. It takes over 4 days after an EOB has been processed for the points to appear. The goals and verbiage are not clearly defined. You do not get 25 points for your annual physical and your annual screenings, even though they are displayed as separate goals. If your doctor does not include the preventative care CDT code on your screening labs and procedures, you will not get credit. These incentives equal $1200 reduction in your premium!!! So, yes this is a BIG deal.
I called yesterday to find the name of an affiliated pharmacy near Vanderbilt University, Nashville TN which is out of state. Jezett was the operator. I spent 53 min on the phone and never got an answer. She asked me to spell the name of the antibiotic, 3 times and then wanted the dosing (which I didn't know). She asked me to spell Vanderbilt twice. She asked for my date of birth twice. She asked for my daughter's date of birth twice. All of this and she didn't give the name of a single pharmacy. She just kept putting on hold. She told me that I would need to get prior authorization and that would take me 7-10 days.
She finally supplied me with: "State of Tennessee Bureau of Pharmacy" and the phone number and told me that this was where I should fill the prescription. I asked again to speak to a supervisor. My cell phone finally went dead after >5 minutes waiting to talk to a supervisor and over 53 minutes. I paid for the drug out of pocket. I have complained to the allegiance customer service and so far have only gotten confirmation that they have my complaint.
Cigna is by far the worst insurance company I have ever dealt with! I had to have a fusion in my back 11 years ago. Now have a problem with the disc above it. Every couple of years my back pain flares up and adds numbness/weakness to my right leg making life unbearable. I cannot stand for long, sit for long or do anything productive. I have tried conservative treatments MANY times in past. They always fail. My spinal doc ends up doing a spinal injection of steroids and within 3 days pain is gone and I am back to a normal way of life.
My company was bought out this year and I had no choice but to switch to them, and then my back flared up again. Went to the provider oral steroids, exercises, nothing working so they ordered an injection on 9/1/16. After at least 10 phone calls I found out Cigna uses a 3rd party company called Evercore for these types of approvals and guess what? To my surprise procedure DENIED. I am unable to stop the pain and they are refusing me the only treatment to ever help.
So I am just supposed to lay here and take it. Well obviously the provider is appealing the decision but in the meantime, me, the one suffering has to take it and endure ongoing pain for absolutely no reason at all. I am considering paying myself for the procedure as I know it will work. I contacted them and Evercore about their decision and they REFUSED to let me speak to the nurse who did the denial or the medical director who runs that department. To say I am angry for them causing me unnecessary pain and suffering is an understatement! I am considering changing jobs after 11 years purely because of the lack of choices I have in insurance providers. This country has to stop insurance companies from directing care and taking it out of the hands of providers. Something has got to change!!!
Ok, they got back to me and said they could do an in home sleep study in which I go get the stuff, take it home, follow directions, and return back to them. The test is scheduled for ~2 months from now. This will be a 4 1/2 month time duration from when the doctors wanted me to have a sleep study to actually having it.
I asked Cigna why they denied my benefits. They told me that I was too healthy for the inhouse testing. I stated to them that my primary care and pulmonary doctors recommended the sleep study. I asked Cigna if they knew better about my health care than did my doctors. It's all about money, not proper health care.
I update my rating from zero stars to one star.
When your primary care doctor and your pulmonary doctor tell you that you need to get a sleep study done ASAP, the insurance company should never deny you that care. I found out the day before my test that insurance would not cover this badly needed diagnostic. Cigna, I hope you go bankrupt and that your management stays unemployed for extended periods of time.
I don't know if I should be relieved that I am not alone in my horrible experiences with Cigna, or more horrified that so many other people are actually paying, like me, to be treated like this. My husband was diagnosed with cancer 6 months ago. Cigna has denied every single CT scan and MRI his Oncologist has ordered. While most of them have eventually been approved, it has added an incredible amount of stress and anxiety to what is already an incredibly stressful time. It has also wasted hours of time for the doctors and nurses who are trying to provide care for my husband and others like him.
I work in Healthcare so I can easily research if my husband is receiving the standard of care, which he is, so Cigna has no cause to deny any of these tests, except to be obnoxious and deliberately harmful to the consumers who pay for their coverage. What is worse is that the Healthcare system I work for would choose a company like this to "provide" this kind of care for its employees, with the enormous number of complaints on file. This is proof that the system is broken. Cigna is proud of the horrible way they treat their customers. They only care about money. Taking it, not paying it!
Terrible, terrible customer service! I spoke to Lexae and she sounded sleepy on the phone. She put me on hold for 20 minutes and came back with an answer that I already know. I said I was gonna file an appeal on the claim that was short paid and she argued with me that it's past timely filing. When I asked for a call reference number, she hang up the phone!!! This is not the first time I came across with bad customer service rep. They are lazy and rude!!!
Calling Cigna is even more impossible than dealing with their website which is a Maze of options and misinformation when it is available. Most of the time I try to use it, it is not working or sends me to the wrong department. I called Cigna this eve to try to find out where I could buy Durable Medical Equipment that could be shipped to my APO or where I might buy the same supplies here in Germany. Simple, right? Wrong!!!
I have so far this evening spent over 2 hours on the telephone, mostly on hold waiting for people to verify information or to call one another to see if what I said was true, or to find out the answers to the simple questions I was asking. They do not have answers to anything. Why don't they just say, "Please hold while I Google that." I finally got a hold of a Supervisor who was able to make sense of the BS and get me on the road to actually getting answers. Note to self: "Speak only to Supervisors named Elaine."
Has to go down as one of the worst Insurance Provider ever. I work for an Indian MNC on deputation. When you are here for few years, the least you'd expect is to save some money. But that's what even the Insurance Provider wants for itself, and we end up shelling out more than 60% of the share. That's how brutal and insensitive this company is.
You go to a physician for a health checkup and the insurance provider says that the Lab services which undertook was out-of-service. Really? You expect us to go through these lame terms before going for a checkup? It seems, going to an in-network doctor won't suffice. Utterly disgraceful experience with this company, and I'm forced to stick with it, regardless of my complaints. Do yourself a favor. If you're not forced to be with this company don't bother to look at their schemes, they're as fraudulent as it can get. Their Dental schemes are even worse than the medical. Somebody needs to take some serious action against these guys for trapping their clients and fooling around starving for money.
The high cost of bad health care can be explained by Cigna. Cigna denies claims and procedures that are necessary. They'll make you get 20+ X-rays, 20 physical therapy visits, see 5 doctors and then maybe agree to your MRI which is what you needed to begin with. In my case, I'm paying a high deductible and they still are denying an MRI that I'm paying for. They gladly pay for procedures and services that are inappropriate. They offer wellness coaching and after they have you answer 20 questions, you find their coaches can't coach you on anything specific or anything a fourth grader doesn't already know.
The Cigna coaches actually call customers at home because no customer would ever call them. I guess they need to justify their jobs. Their customer service people know almost nothing. They just say it's not their department. Prepare to be on the phone for hours. They are mostly located off-shore, in my experience. Dominican, Jamaican, Philippines... Their nurse advocates don't even know basic medical terminology but maybe because they are in the Philippines. It could be a language barrier. They can't advocate because they are either ignorant or not really allowed to advise you BUT, after you wait on the phone for 30 minutes they can advise you to go see your doctor or go to the ER - Really, I called a nurse advocate and waited 30 minutes for this advice - scary! Scary! What patient in distress would even use such a service.
Cigna, like many other US companies, is a company that takes a lot of US taxpayer (Medicare/Medicaid) money to employ people overseas. Their 1-800 people can't give you basic info. I was on the phone for 20 minutes today with one person who couldn't find a phone number or email address for a customer complaint! 20 minutes! He handed me off to his supervisor for another 20 minutes. 10 minutes waiting, 10 explaining the problem all over. I actually had an American earlier who spoke with very poor grammar hang up on me because I was insulting Cigna! I guess her idea of a customer complaint was equivalent to insulting Cigna.
I actually don't mind that Cigna gives US jobs to overseas people in distressed countries if they actually could help me or answer a question or reroute me to the correct person. Incompetent or under-trained employees are not saving anyone money. Their "find a doctor" only gives you list of Cigna providers. You end up using Google if you need a good referral. It is next to impossible to file a consumer complaint against a healthcare facility, or provider or even Cigna customer service. I would think this could lead to fraud but Cigna would never know. Most people aren't going to jump through the hoops and search for forms or hang on the line for two hours getting redirected to the same people.
The amount of useless wellness mail and phone calls I get are a pure waste of paper, money and time. Cigna offers these worthless services for marketing purposes. It is to make them look good or meet some government guideline. I am totally irritated that I have this plan and we have one of their best plans. The high premiums we pay cover these worthless unnecessary "only-for-show" programs.
TO Cigna: if you read these reviews - do you care that you have a ONE-STAR RATING? Do your executives and shareholders know how much money is blown on hiring inexpensive offshore people and under-educated Americans who are under-trained? Do they know how abusive Cigna's processes are to their customers and negligent to American taxpayers and investors. You ought to stick to just efficiently finding good providers and paying bills. You need to hire competent CS people and train them and you need to eliminate all of your useless brochures, phone service coaching and wellness. This advice and all the time you have wasted of mine is free to you. You're welcome.
You pay this very "rich" company their premiums and do it in good faith. When something such as liver cancer pops up, and your doctor feels that a particular service (PET Scan) is needed to be able to make the best decisions as to how to treat the cancer, the wealthy CIGNA bean counters turn you down. They want the doctors to scatter bare chicken bones in a circle to be able to see how to treat the problem.
I will never give CIGNA another kind word for the rest of my life. They will always hear of me saying that they are a greedy insurance company and not worth the time to even review them. The bad thing about it is that the company that I work for has chosen CIGNA to make their deals with and there is nothing that I can personally do about it other than pay for personal insurance. I cannot express my full feelings for CIGNA on this venue due to the fact that I would offend them with a great deal of profanity at this time. Stay away, very far away from CIGNA!
I have been dealing with lower back issues for over 3 yrs and finally Cigna approved a MRI (big hoops there) to help determine the source of the pain. After the MRI it was apparent what the issue was. Osteophytes, bulging L4-5 disc and badly narrowing facet in the same area pinching that nerve. I have been through physical therapy and home exercises just as they have suggested and have not seen an improvement. I am not looking for surgery or drugs, so it was decided by the doctor that a steroid shot is the next step. Cigna has turned this down twice reason being that I need a home exercise program! Give me a break!! I'm taking tons of ** daily and it has gotten to where it takes a slight edge off for no more than two hrs for a 800mg dosage. I guess they would rather pay for liver damaged from all the **. I am so sick of jumping through Cigna's hoops only to get a rejection after rejection. This company is terrible!!!
My employer paid into Cigna's STD and LTD policies for me for 15 years and it covered under a written contract. In FACT my employer is paying into Cigna's plan on over 30,000 employees every paycheck. Now if you become disabled while working, Cigna is suppose to pay you the appropriate benefits under said contract. Cigna routinely denies LTD claims almost 99.9% of the time, even with the appropriate medical documents you still get denied. They force you to hire an attorney in the hopes that you won't take it that far, that's what they bank on.
I am a single adult in her late 20's. I pay over 50$ a week to Cigna. That is between 200-250$ a month! Then you have HSA, which is supposed to help you pay for health costs. Except for you have to wait months for them to deposit the money you earn into your account. By the time they deposit it, all you can do is pay yourself back with the money because you've already paid the fees. That being said, I went to the doctor for a basic routine check up which is supposed to be 100% covered by insurance. I am going out of the country so the doctor did a breathing test as preventative measures, due to the length of time I will be in the country.
Well, I currently owe over $1,500 dollars in bills because my routine health check didn't meet their astronomical deductible. This is a doctor recommended by their network. And this doctor will not so much as answer a call nor will any personnel take the time to explain the costs of anything. They refuse to even send me my chart so I can look at what exactly these charges are even about! And since I don't have the time or patience to sit around making phone calls all day, I asked a Cigna representative if they could help me make payment arrangements since I'm a retail employee and not a millionaire. They said no, that is not their responsibility to make sure I pay my bills.
Even though they were the ones who sent me a bill in the first place asking for me to pay the deductible. And even though preventative health is supposed to be 100% covered. All the doctor did was check my height, weight, cholesterol, blood pressure, give me the breathing test, and tell me I'm healthy and send me on my way. I'm not sure any of that is worth 1,500$. But I cannot afford a lawyer so I suppose Cigna and the doctor can work together as scam artists and screw me over all they want.
Wow is all I have to say about Cigna, WOW, I said it again. They are completely terrible, they took my money and ran! Paid for my initial insurance cost to sign up, went to use it at the dentist, and it didn't cover what I needed, OK that's fine. I called CIGNA to inquire about upgrading my policy, well the lady went on a rant to purposely confuse me for about 15 minutes (nice practice Cigna) yeah, confuse your clients so they don't ask questions, classy! So anyways she said I would have to wait a YEAR, yes a YEAR in order to upgrade my policy, which I would have to continue to pay and not use! Makes no sense, they are con artists and thieves.
Well, since I didn't even use my insurance I asked for a refund and to cancel policy, she didn't seem to care at all. Transferred me to some guy who refused to refund me my money, but did cancel it. He said my insurance policy had passed the ''free look window'' and I could not receive a refund. So hey CIGNA took my money and ran! THIEVES. Please stay away from these criminals, they don't want to help you, they want to steal your money and waste your time!
My child was born with a CNM and the total cost to us upfront was $4200 and I had to submit the claim myself. After waiting over 4 months for the decision from Cigna, they decided they would only allow $2600. Despite my insurance costing over $400 a month, it is high deductible at $3000 for in network. That means that I have paid a total of $7400 this year with almost none of it being covered by the insurance company. Pathetic service and a waste of money.
Too bad there is not a zero rating or that is what I would rate this insurance. NO PCPs in my hometown, Johnson City, TN. We are a college town with doctors everywhere. Yet I have to go 37 miles away to Kingsport if I want to see a doctor. I had skin cancer last year. They won't let me see the doctor who performed my surgery. I have to see someone I don't know & who does not know anything about my cancer. Thank goodness I have a new job with excellent insurance that starts after my 90 day probationary period.
I hope & pray the painful spot on my left shoulder doesn't develop into anything that can't be removed before November 1. That's the first date I can use my new insurance because Cigna sure won't cover my doctor. I spend all my time on the phone with Cigna or on my site trying to find doctors. So far this year I have not been able to see a doctor. WORST INSURANCE EVER. Not worth the time or effort. Spend a little extra money and get real insurance.
Adopted son has series of mental health issues. 10 years of therapy, 3 psychologists, state of California, therapeutic consultant, psychiatrist, education advocates, and school district say he needs Residential Treatment Facility. Cigna says no. REALLY? Denied and appeal denied processed by insurance advocates. Army of people to help here. Wonder why people are getting their heads blown off in various places (nonterrorist acts) - because we can't get mental health coverage/help from insurance some so desperately need.
I have been a diabetic for 16 years. Two years ago Cigna informed me that my insulin was no longer covered by my health plan. It took a health advocate to get them to change their position. They also told me that I could not use the blood meter that I have been using for years because it was not covered. I had to use one that they approved at double my out pocket cost.
I went to a meter and blood strips from Walmart that they would not cover the cost. It cost me more than 1/2 the cost of test strips using their plan. They want me to use their mail to home pharmacy. I started getting my meds thru the Walmart plan then use their pharmacy. It again, saves more than 1/2 the cost of their plan. Now, I got a $482.00 bill for a recent blood test that my doctor ordered and they are denying covering the blood test. I can't afford any more blood tests, my diabetes is out of control and I feel I need to drop my doctor because I cannot afford treating my disease.
They are trying to charge me for a hearing test that is supposed to be 100% covered as shown on the benefits information. Every time I call to ask why they give me different answers or say they are going to call me back and never do. Unfortunate to deal with them. They sent my bill to collection agency after just 3 months even though bill is in dispute.
Joseph BurnsHealth Insurance Contributing Editor
An independent journalist, Joseph Burns is the health insurance topic leader for the Association of Health Care Journalists and contributes to AHCJ’s Covering Health blog. He has also written about health policy and the business of health care for a wide variety of publications, including Healthcare Finance News, Hospitals & Health Networks, Managed Care magazine, Ophthalmology Management, TaxACT.com, and The Dark Report.
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Cigna is a worldwide health insurance organization that covers individuals, families and employers. It has been in business for over 30 years.
- Well-established company: Cigna is one of the best-known health insurance companies in the United States.
- Large network of physicians: Cigna has more than 500,000 physicians and more than 8,000 hospitals in its network.
- Low-cost coverage: Consumers can choose among a variety of plans, including low-cost offerings.
- Supplemental insurance: While Cigna has dentists and vision specialists in its network, adding coverage for these services is not easy.
- Plan options: Cigna offers a variety of Medicare Advantage plans.
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