About Cigna Health Insurance
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They have been very good to me. Have been with them for many years but only needed routine cleanings twice a year. Excellent to work with. Paid claims timely. Now I will be needing more from them as I am going to need some cavities filled so I will see how well they handle this situation. For now I would definitely recommend them.
The PPO allows you to chose your doctors and see specialist without having prior approval but the deductible and co-pays adds up quickly even for prescription. The HMO keeps in the one group but the overall cost is usually less for visits but cost more up front with premiums. Depends on how often you see doctors and the types you see.
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Due to several chronic conditions, all well controlled, my MD recommends 2 wellness checkups per year. He considers this preventative medicine, but Cigna only covers 1 checkup annually. This is my only complaint, since close monitoring of existing conditions is proven to save costs for both insurance companies and consumers. As a state of TN retiree, I am very satisfied with the premium rate.
I was recently admitted the hospital with concern for my heart. The first doctor that arrived indicated a pacemaker was recommended. To say the least I wanted a second opinion. The second doctor arrived and found with a few adjustments and rest that the pacemaker was not necessary. Through the whole ordeal Cigna worked to ensure all the bills were paid and the remaining balance was manageable for a two day visit to the hospital.
My Cigna coverage was awesome. I only had a small copay and all my Drs. took my insurance. The customer service representatives are very helpful. I was unsure of the dentist in my network so I called Cigna. The representative was courteous and informative. She sent the information to my email and that helped me determine which dentist I wanted to see. I would definitely recommend Cigna. All of my preventive tests were covered also.
I have been diagnosed with a herniated disc in my neck which has me in some pain and restricted movement, the neurosurgeon recommended some shots in my neck to relieve the pain but Cigna denied this and had me do physical therapy, therapy has made my pain a lot greater and really I am at wits end at what to do, I have communicated with Cigna to no avail. I have been taking a nerve drug that leaves me sleepy and being a shift worker makes it hard to stay awake on the job. I would advise anyone to stay clear of this company at all costs.
Worst experience of my life. My surgeon requested a precertification for surgery and a one day observation in hospital. Someone put it in as a hospital stay but did not code the actual surgery on the precertification. I spoke with over 5 people and none of them would listen to me. They kept saying the hospital stay was approved but not the surgery. So I guess they were willing to pay over $45,000 for me to sit in the hospital and THINK about surgery but not actually get it. The surgeon is the one that requested the precertification, not the hospital. Then after I filed a formal appeal they found the original request with the paperwork and lied and told me the doctor finally sent the information 2 days earlier. I was in touch with my doctors office EVERY day and they never sent anything post the approval.
CIGNA did nothing but lie, refuse to take responsibility for their error and treat me like it was my responsibility to fix their mistake. I'm still trying to figure out why THEY EVEN THOUGHT a surgeon requested a hospital stay for me to just sit in the hospital with no surgery BUT EVEN MORE CRAZY.... CIGNA APPROVED IT!!!! But acted dumb when I called to straightened it out. Nobody would help me until I filed a formal appeal after being lied to for weeks and weeks.
I am a physical therapist in private practice. I have been working with a lovely family (mother and daughter) who very much needed my services. When I spoke with Cigna, I was promised a certain reimbursement rate. I submitted claims in the way that was instructed to me by CIGNA international. However after many weeks without any kind of reimbursement, I contacted the company and was told my claims were lost. I resubmitted and continue to wait. This process occurred 4 (FOUR) separate times! Apparently the people working there cannot keep track of my claims and they continued to be “lost” and subsequently resubmitted.
Finally after months and months, reimbursement started coming through and it was 1/5 of what was promised to me. We were told we needed to submit these claims to data ISight, which we did promptly, and heard nothing. We have made many attempts to contact them; however the representative assigned to us never answers the phone and does not return messages. My experience with a Cigna International has been absolutely horrific. They lie, cheat, and make empty promises. It is impossible to get things done, which I imagine is their end game. They are hopeful that physical therapists and other healthcare practitioners get tired of trying and give up. As a result of their atrocious business practices, I was forced to cut off the patience, who are absolutely furious because of the high premium they are paying. Healthcare practitioners, be warned!! You will have a horrid experience when trying to deal with this company.
I recently signed on with Cigna because of their diabetes care plan. I was told they accepted my endocrinologist with whom I've had a wonderful doctor/patient relationship and my care was top notch. Less than a month after obtaining Cigna my endocrinologist was "uninvited" and are no longer in network. Cigna was unable to tell me (or them) why. They sent me an email of a short list of in network endocrinology providers but it was sorely lacking. Half of them were not accepting new patients and the other half were incorrect phone numbers of gastroenterology doctors, not endocrinology. For a diabetes care plan this is poor form. I'm extremely disappointed with their decision to eliminate every endocrinologist in Raleigh.
Hello Candace, I apologize for the frustration you have encountered. I would be happy to assist in any way that I can. Please email me at LetUsHelpU@Cigna.com. Thanks-DN
I paid for Cigna Dental through USAA a few years back because there seemed like a good deal. I used them for basic Dental at first and was satisfied. When it came to paying for anything that required more money is a whole other story. (Yes whole OTHER). I got Invisalign to help improve my smile. Cigna only pays up to $1000 and you have to wait a year before you are eligible to use it. Throughout the year of 2018 and 2019 I have been late a couple of times but only by about a week or shorter. Well my 1 year to use to orthodontic benefit was coming up in September of 2019. I paid my bill for August but I was late for September. Mind you, they usually send a notice and tell me that I'm late but not this time. This time they sent me a notice telling me they are canceling my policy for nonpayment and get this, the back dated my cancelation for August 31st 2019. Yep, very messed up.
Fast forward to today. My wife has Cigna through her employer and so we get a major service for our youngest daughter. We both have separate dental but we all are covered on both. They use most on my coverage, which is MetLife, no issues. They send the rest to Cigna and we get a letter saying we need a "custody order/court decree stating one parent is responsible for the dependent child's health care" (we are married, why is this needed). Also, we have to send a plan for the custodial parents spouse. We then have to respond at the bottom of the letter, which has no space to write, explaining all of that above or they will "deny the claim".
They find every excuse not to pay your claim. They have no problem taking your money every month but they seem to be tight with theirs. Stay far, FAR away from them unless you really need basic Dental insurance, and if so, may God have mercy on your soul because you may need to give it up to get your claim processed.
Cigna author review by Joseph Burns
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.
Cigna Health Insurance Company Information
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