Cigna Health Insurance Reviews

I have Cigna through my employers and for minor issues, it is fine. Most of my medication is covered but when it comes to necessary medication, they will charge you retail. My family has a long history of diabetes and I have tried everything to get my numbers. My Doctor prescribed Mounjaro to help control weight and diabetes. I get a letter from Cigna saying the claim is approved but when I call the Pharmacy, I am told that it will $1000 a month, so Cigna is really not covering anything. I called the help line and they said this is a higher end medication. Considering millions are taking it, which brings the cost down and you can buy it from online pharmacies for about $400 for 90 day supply currently, Cigna is again gouging the customer. I wish my company, which has over 30,000 employers never switched to Cigna.

Not the best to use. It's been a month since we filed 2 claims. When I called a couple of weeks ago, they apologized and said they would mark it urgent and it would process in 5 business days. When it didn't, they apologized, gave an excuse, and said to just wait 5 business days, which I did again. When I called back, they said it would be one more day. I waited and called back and was told to just wait 1 week. I said it's been too many waits and I need it processed, to which I was told that we can't talk to the people who process claims, and the call handler is unable to do anything except send a note and advise to wait another week.

My experience with Cigna’s customer service has been extremely frustrating. The customer service line feels inefficient and poorly designed, with long wait times and little sense that the system is actually helping resolve issues. The biggest problem has been dealing with urgent care. The clinics don’t seem to be properly connected to Cigna’s system, so when you arrive at an urgent care facility, it can take 30 minutes or more just to determine whether that particular clinic is in network. This is especially frustrating when you’re already sick and simply trying to get care.

I am extremely dissatisfied with how Cigna handled my approved reimbursement claim. My claim was approved on 6 August 2026, but weeks later the payment remained unresolved despite multiple follow-ups. What concerned me most was not the delay itself but the lack of communication. I was given different timeframes by different representatives, had to repeatedly contact Cigna for updates, and was not proactively notified when issues arose that affected my payment. A simple NZD $400 reimbursement turned into a month-long process requiring numerous emails and phone calls. While the customer service agents I spoke with were polite, the overall claims administration and communication process was frustrating and inefficient.

I just got Cigna through the ACA and the people in the other country they have as customer service have just been trying to steal money for me, they refuse to give me my member ID unless I pay them and they don’t write any notes of which person you speak to, which of of course they use false names. And they all consistently say that if I want my member ID information, I have to pay them for it.

Cigna has the WORST pharmacy & prescription coverage I have EVER had to deal with. In July, they refused to approve my blood pressure medicine 3 times even though my doctor re-sent the prescription request to the pharmacy 3 times. I've been taking that same prescription for years. To date, I still do not have my blood pressure medicine.

I have Cigna health through my husband's employer and it is the worst and we have a no referral expensive plan, and it is HORRIBLE! A lot of very good doctors medical and chiropractors will not accept Cigna in Southern CT where I live because they do not want to pay! They charge us a small fortune for coverage, yet they cover nothing with a huge deductible. All the doctors I am talking about who are not accepting Cigna accept Insurance, but they don't accept Cigna. They are all good doctors. The Doctors that accept Cigna are not any good.

Cigna is my secondary insurance and Medicare my primary. I have multiple myeloma and need infusions monthly to stay alive. I have been doing this since April of 2025. When Cigna took over in January of 2025 they did not request a Medicare crossover. I didn’t even know this existed but they should have known this with a Medicare patient. Since then I have requested this to be done 3 times but it still hasn’t been done. Because of this when Cigna gets a bill from the hospital they don’t know what Medicare has paid so they deny the claim. Once I figured out what was happening after 500 or more hours on the phone I requested the EOB’s from Medicare and sent them to Cigna to match to the claims so they could pay them.

My husband's place of employment switched from United Health Services (never had any problems with them) to Cigna at the start of the year. When he signed up with their Evernorth Express Scripts Pharmacy they must have set a $1000.00 withdrawal limit on our HSA, because my husband didn't knowingly set that limit. That brings us to our COMPLAINT: Husband's Dr. upped the dosage on his meds from 100mg to 300mg. The cost for the 100mg was around $14.00, while we were charged $731.03 for the latter, which is thievery in and of itself!

I was told by my doctor to get bloodwork done. I called Cigna to ask if it would be covered by the insurance, I was told by them, yes, it will be covered and I won't have to pay any money out of pocket. I went to get blood work done based on the fact that I wouldn't have to pay anything out of pocket. A few weeks later I called them about something else, and they told me I owe them $243 dollars because it wasn't fully covered. They blamed me for not doing the due diligence, but I called to make sure beforehand. If I knew they were going to charge me that then I would've done something else. I told them that I'm not paying it - and I won't pay it.

Horrible coverage!! I am currently being prescribed ** self injectable by the Mercy Medical group. Being retired, my coverage is handled by my wife's insurance CIGNA. The Rx is a single pen, with 4 qty 0.5mL doses, 1 dose per week for 4weeks. I have learned by trial an error, that I have to initiate the refill process immediately after I take the 4 dose, because CIGNA ALWAYS finds some issue with the refill, and rejects it. This last time, in a chat session 2 days ago, I was informed by CIGNA that they required a PLA (Patient Level Authorization) from my Dr. at Mercy. After researching my mercy records online, I find that my current PA is valid until 11/26/2026?!! I am CONSTANTLY investing extra time and struggle to get my required Rx's in a timely manner, due to the bureaucratic incompetence at CIGNA, the worst health care Insurance you can have!!

I feel misled. I was given to understand that my insurance company, Cigna, recommended Starkey Hearing Aids and that they paid for half of the hearing aids. Now I understand that they literally had nothing to do with it, and I don't even get to apply the hearing aid expense to my overall deductible. Cigna referred Starkey, and I don't know why... Why would they refer me if they literally don't pay for any of it, and it doesn't count to my deductible? As for the devices themselves, I paid for the second best of five devices, and it's...fine. Just fine. It's large, unwieldy, the volume increase stem broke the first week I had it, there's lots of feedback which I didn't have with my other hearing devices. So...not very happy. But I'm stuck with them. Good for Starkey, their marketing worked. Good for Cigna, I was successfully deceived.

Way too expensive and my co-pay is so high I can hardly afford my medication. Worst company ever.

Cigna dental is the worst insurance. I've had it for about 10 years. It covers regular cleaning and that's about it. I need a couple crowns now and my insurance says it will cover at 50%. Ok. So I ask Pete what they need exactly. He tells me, I relay to Dentist. I go over everything with Pete so I know exactly what I will owe. Dentist submits request and I see it. They aren't evening giving me 50% on my crown. Submitted $1800, contracted amount is $755 then they tell me the covered amount is $552. And they pay 1/2 of the $552. So I call and the guy, who you can barely understand!!!, says they don't cover the crown at 50% because it is a molar not a front tooth.

Cigna will list doctors who no longer accept their insurance. So you will schedule an appointment with an office that says they do. Only to learn on arrival that they accepted it last month but not anymore. They'll bombard you with email and calls to switch to their mail order pharmacy, claiming it's cheaper. Your prescriptions will be filled incorrectly or not at all. You'll spend hours on the phone with them and your doctor's office trying to resolve the mess. They'll repeatedly ask for your address on the same call as if you've moved since they put you on hold. You will run out of medication in the meantime. Eventually, you may receive your prescriptions or not, but you will be billed. You'll then find out that the cost is exactly the same as local pharmacy that reliably filled your prescriptions last month. When you inquire why, the Cigna representative will tell you that they can't speak to why this is and there's no one else in the company who can.

I've constantly had issue with getting therapies approve. The last disappointment with Cigna was my ER visit. The doctor had given me meds and shots that were taken while in the ER. Cigna refused to pay for the medication, and I was charged $600 and will not be part of my deductible. Guess Cigna is saying I should go to the ER, even though a CAT scan found issues that I'm now trying to resolve.

I have been trying to resolve a series of behavioral health claims with Cigna involving residential treatment, outpatient substance-use treatment, and psychiatric care, and the experience has been extraordinarily frustrating. In June 2026, I entered residential treatment at Beauterre Recovery Institute. During the process, there was significant confusion regarding whether the facility and services were considered in-network or out-of-network. I paid approximately $4,500 upfront toward my anticipated financial responsibility.

Worst insurance company ever! I have a rare autoimmune disorder - Sarcoidosis. On top of Sarcoidosis, I have COPD, asthema, and Sjogren's Syndrome. Doctors themselves hardly know how to treat Sarcoidosis - let alone a insurance company. Recently, I have been denied CT scan (because I had one 6 months ago), medication (that can save my eyesight- long term plaquenil (one of the drugs Cigna is trying to get me to stay on) usage causes blindness - in which I'm already losing), and Physical Therapy (at a place that understands how sarcoidosis and Sjogren's affect my bones/healing time).

Complete and utter garbage that doesn’t deserve a single star. You pay an asinine amount of money for the “privilege” of being denied repeatedly for necessary diagnostics and treatment. The premiums and copays are absolutely outrageous for this level of service. I’ve paid 5 figure sums to suffer with physically debilitating pain for the last 2.5 months from herniations through the lumbar spine -- but honestly mine is one of the more mild examples. Check out the countless patients with life threatening conditions that get thrown into the revolving door of denials and appeals. AI and non-specialist clinicians who couldn’t care less about the nuances of your case are the arbiters of your treatment.

Just spoke with "Jay" from customer service and he was incredibly arrogant.

Confusing process to file a claim. They demand hard to understand and hard to obtain data, including provider tax ID numbers, etc. Website is the opposite of user friendly. No clear phone numbers to call for specific issues. Just ambiguous options with automated responses. Taking several months to process claims causing extensive credit card interest and fees. One of the worst insurance companies I've ever dealt with.

Cigna approved my surgery, yet no payment was issued to my care team. Instead, every charge was pushed toward my deductible. Cigna relies heavily on high‑deductible plans, leaving consumers responsible for substantial out‑of‑pocket costs. At this point, I would owe more than $5,400 if I did not have secondary insurance to protect me.

I have been an out of network healthcare provider accepting Cigna plans with out of network coverage. Cigna wrongfully changed my network participation status in 2023 and has been denying paying for claims since. I have called both Cigna and ASH more than 100 times and spent well over 50 hours during the last 2 1/2 years, but they are doing the SAME thing every time now correcting their problem. I am now very close to just sue them. Healthcare system in this country is just messed up by companies like Cigna. I hope the justice is served in the near future.

I am writing to formally express my profound dissatisfaction with Cigna's handling of my account, and frankly, with the organisation as a whole. I want to be clear: this is not a reflection of your customer service representatives, who have genuinely tried their best under the circumstances. This is a systemic failure at the organisational level and I am not alone in this assessment. I have heard the same from multiple sources. Having previously been insured with BCBS and Aetna, I am in a position to make a direct comparison. Cigna falls short on every measurable dimension.

Always denied claims. You spend over ten thousand dollars out my own account. Then Cigna paid 79 dollars. They're dragging the claim. Keep want more information. And still denied.

Terrible! Our company decided to switch from Anthem to Cigna. What a mistake!! I used to get an xray and MRI no problem with anthem. Now it’s three weeks out for appointments and they make you use the absolute worse company called Simon imaging. Because Cigna denies everything apparently. My two week out shoulder MRI gets canceled out of the blue and after having to try and converse with a foreign language customer service person for the second time had to reschedule for over three weeks from initial injury. And I have no idea if they will pull the same thing again right before that appointment. Cigna is just another trash insurance that denies all claims as long as possible.

My Cigna coverage through my employer covers nothing and repeatedly actively sabotages my medical treatment and care to save themselves money. Three years with this plan, and any time I've seen a doctor for anything, it's hundreds of dollars out of pocket. They fight every prescription, every treatment plan. You can go to a specialist doctor who spends hours seeing and diagnosing an issue that few people in the world will understand better.

Cigna constantly has me asking myself, “why have insurance?” I found a counselor through Evernorth Behavioral Care Group. The counselor is great but the Evernorth Behavioral Care Group customer service is terrible. I wanted to find out what my co-pay would be and naturally reached out to Evernorth Behavioral Care Group for an answer. I called numerous times but no one answered. I left messages, no one called back. I emailed and never received a reply. I went to my first session and 3 days later, Evernorth Behavioral Care Group charged my credit card $178! Upset, I talked to my counselor who told me her rate is $120. So by going through insurance with Cigna and Evernorth Behavioral Care Group, I am responsible for not only the cost of the session but also an additional $60! Why have insurance?! If Evernorth Behavioral Care Group is in any way involved with your “care,” you’re better off paying out of pocket or just suffering in silence.

Terrible coverage. They deny every pre-authorization that comes through. They use AI to do it. They don't care about you at all. Worthless.

Don't give your money to them. I spent a year paying, and now that I needed coverage for a surgery, they simply canceled it—and they didn't even cover my daughter's vaccinations from last year. I received the bill today. So, if you want to waste your time and money, go ahead and use their "coverage"—it's absolutely worthless.

Employer has Cigna and I had to use the customer service line for the first time to help get a better understanding of the language on a Denial Letter. Oh boy, the robot is inefficient. I said I was a customer, but was sent to Physicians. When I explained that to the rep she sent me back to the robot. Had to repeat customer a few times. When I spoke to the customer service rep they confirmed the letter was denied and said in no way would I be covered. The thing is, the language in the letter was saying something more along the lines of Denial because they don't do prior auth for this particular procedure. So if there is no prior auth, the customer service rep shouldn't be telling me this is in no way covered nor should the letter.

I was rushed to the ER in excruciating pain on a Saturday after an accident in which my tendons were torn in my hip. The pain was so bad I couldn’t walk, sit or sleep. I followed up with an orthopedic doctor the following Monday and was told by my doctor that I needed an MRI and it was likely the tendons connecting to my hip were torn. The doctor put the order in as urgent. I was able to get an MRI scheduled for the next day, only to later receive a call from my doctor’s office that CIGNA had denied the pre authorization. I called Cigna to find out why and was told I would have to wait 6 weeks for it to be approved!!! I CANNOT WALK. I asked for someone to explain the denial to me but their only reason was I hadn’t been in pain long enough! I hope the people working at CIGNA receive the same horrible healthcare service that they provide!!!

I re‑enrolled with Cigna in December so my coverage would start at the beginning of the year, but my plan was never set up correctly. When I realized in February that my account still showed no active insurance, I called and was told to pay over the phone. They took two months of premiums and assured me everything would be fixed and visible online within a few days.

Have been with Cigna for a little over three months. In that time frame, I have had an MRI denied that was requested to evaluate the status of an ongoing chronic issue. It was requested that I try physical therapy prior to the MRI? This was for a consult and not seeking therapy. I have had multiple weeks of PT in the past. Additionally, I have had a medication denied because Cigna calls it a "specialty" medication. I take this medication for a chronic kidney condition. It was denied with no communication from Cigna. No email, no letter, nothing on their website. They force you to use their pharmacy services but do not offer support. I would look for insurance elsewhere unless you are ok with automatic denials.

If I could give a negative score, I would. Cigna is the worst health insurance provider on the planet. Even if it’s your employee coverage, do anything you can to find it w BCBS or Aetna. Anyone but Cigna. They partner with a telehealth company called MD Live. The tagline even says “MD Live by Cigna” but neither 3rd party recognizes one another & they are 100% responsible along with a horrible doctor named Traci **, MD for my dilemma. Never use her, you will regret it.

I was taken to the ER via ambulance due to a cardiac event. I spent four days in the hospital. Two months later I received a letter from Cigna stating that they do not contract with the ambulance company I used. It seems Cigna is stating that while experiencing a cardiac event I should have stopped to check which ambulance company contracts with Cigna. This is ridiculous! Our town only contracts with one ambulance company. Called customer service which was a waste of time as they cannot do anything. This is just another example of why Cigna has one of the lowest ratings out of insurance companies.

Cigna constantly processes my primary care visits as a specialist. I get a different story every time I call them; admitting they made a mistake and will resubmit- but then it's filed as a specialist again. Cigna has poor internal communication and lazy customer service. I have to dispute their claims every time I visit my primary care physician. Ridiculous.

If I could give this health insurance company a zero, I would! They want prior authorizations for EVERYTHING! It takes a long time and the customer service is horrible! They give you a hard time!

My wife has severe knee pain for almost a year now. She finally went to a Doctor who gave her ** shots to try, after 4 weeks of continued pain the Doctor asked for an MRI to determine how to treat. Cigna DENIED the MRI because she had only been documented in PAIN for 4 weeks and they want you to be in PAIN for 6 weeks before they'll pay for an MRI! What kind of SADISTIC people are Cigna! This is UNACCEPTABLE! We pay $$$ Thousands to insurance and they SADISTICALLY WANT YOU IN SEVERE PAIN FOR 6 WEEKS MINIMUM! YOU'RE DISGUSTING PEOPLE!

Preventive care vs Diagnostic care is decided afterwards... AND it's decided by an insurance company, NOT a doctor. Please be cautious when listening to your doctor about their suggestions. Getting suggestions from Cigna first will save you money. So grateful today that I did not become a doctor, but upset I didnt go into the health insurance industry... I feel totally scammed!!!