Cigna Health Insurance Reviews

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!!!

Cigna is the worst insurance company of all time. They deny everything first and make you go back through the doctor that prescribed the medicine or procedure for a second authorization. Just to be sure he wasn't drunk (I guess) the first time he prescribed the medicine.

We switch to Cigna because of my husband’s new job. I was excited because he would be part of the Teamsters. I figured they had good insurance because of their strong union. I have never had so much difficulty with insurance in my life. I am 58. If I needed a certain medication or treatment I got them. I waited three 2 1/2 months for a medication to be approved which is a necessary medication for longevity. I have multiple serious health issues where glp-1 medications were recommended by many of my doctors. They don’t cover this medication for any reason.

They just sent me an email in an excited tone, declaring that my insurance card has gone fully digital. Now I have an 8.5 x 11 paper folded up in my wallet with my insurance information instead of the small nicely laminated card! :( Additionally, I went or get a second vaccine shot last year, which was no charge to me, except that I mentioned anxiety to my doctor (he was dismissive and this conversation lasted about 10 seconds). Because I mentioned anxiety, it was no longer a "free" office visit. I got a $299 doctor visit bill because of this. I haven't been back to the doctor since, which is probably what they want..

Cigna prescription coverage is a joke. I have been type 2 diabetic for over 15 years and in 2024 I started a super strict diet and exercising regularly. I also have been on ** for years. My A1C never lowered. February of 2025 I started taking ** and dieting and exercising and within 3 months my A1C dropped from 6.2 to 5.1. 3 months after that down to 4.8. In January 2026 my insurance through work changed to Cigna and they will not cover my **. My doctor has send proof that it's helping me but that still will not cover it. They think they know more my doctor.

Cigna thinks it's okay to retroactively revoke in-network coverage of a physician while a patient is undergoing treatment, make the appeals process as difficult as possible, never answer the appeal for over a month, and make it impossible to contact anyone to follow up on said appeal. All while charging an absolute fortune. I would never sign up with them again.

I called 3 times and they assured me they changed my PCP but in fact they gave me the run around. They truly torture customers and have no regard for people's valuable time. They just tell you what you want to hear to get you off the phone. Cigna rep spoke to my pcp's office and had to change it on the 4th time. I've never dealt with such an unscrupulous insurance company!

I can't thank Cigna enough for their excellent service and coverage during my son's cancer treatment from 2024-2025. We didn't have a single issue, coverage denial, or unpaid claim. When you go through a traumatic medical event, you pray that the insurance coverage you pay for will meet your needs and not leave you high and dry with extensive medical bills. We had a team of Cigna insurance advocates that were constantly updating us on pre-approvals, making sure we were getting all the services we needed and letting us know what was covered. Truly our experience was above and beyond. I want to thank Cigna for providing excellent coverage during our really hard time and for not having to worry about insurance claims on top of cancer treatments.

During open enrollment I called Cigna and talked to Brian **. I asked him if my dermatologist was in their network. He told me that my Dr. Was. I have been diagnosed with melanoma 6 time. I would like to continue to seeing the same Dr. This was Oct 29th. Cigna has been taking money out of my account. I had an appointment coming up in January. I called and told them I needed a card. The person said it would be sent out tomorrow. That was nov 13th. Never came. Called again Nov 18. I was told the same thing. Then I called again Dec 2. It was in the mail. It never came. Then I received a letter. They were denied delivery. I still don't have a medical card from them and my Dr. is not in their network but they take my money every month. What a waste of my money.

I'm not sure what I am paying for with Cigna health insurance, other than the right for them to rob me blind, when the deductible options we were given through our company were so high it practically covers my entire families wellness, and physicals each year before they cover one dollar. I am paying for the privilege for them to collect a paycheck from me it seems.

Constant battle to get seizure meds for young son, numerous times even went without! High risk and carefree as to what could happen to him. Very difficult to get answer.

Ian ** Was the name of the Cigna rep I was speaking with. He was great at wasting time and avoided transferring the call no matter how many times I ask. I pay you not the other way around. These companies need to start remembering that. Went from pay 35 out of pocket to 3100 for my prescription. I now have to pay for this trash for the next year as well as now having to buy a 2nd insurance to cover the script. Please avoid this company. Signed.

If I could give negative stars I would. I called today to discuss an appeal. After being on hold for over 60 minutes the representative told me no one is available to help me. I have external appeal, saying Cigna should pay my claim, but I've getting the run around for 10 months. CIGNA SUCKS!!!! Cigna does not care! They only pay small claims.

This is quite literally the worst health insurance I have ever dealt with. We pay over $800 a month just to have NOTHING covered. I pay $25 a month for my medicine when I can get it for $6 without my insurance! They don’t pay for anything mental health-related. I have had necessary blood draws, and the claims were rejected. They won’t pay for my son’s ADHD meds. Someone who has probably never been to medical school decided the medicine that his Dr prescribed wasn’t medically necessary.

Cigna is the absolute worst company. They are always running out the clock on patients and through their bogus denial reasons that never make sense, you are considered dead if you get Cigna insurance, and your family will be in so much debt. Don't waste your money. It's literally a waste

Cigna acknowledged that I was overcharged by my dental provider, yet failed to take any meaningful action when the provider refused to correct the charges. I was explicitly told that legal action would be pursued and that I would be reimbursed—neither of which ever happened. Despite this, the dental office continues to participate in Cigna’s network. This experience showed a complete lack of accountability and follow-through on Cigna’s part.

My company just switched from Aetna to Cigna after the first of the year and found out my medications are not covered. It went through 2 appeals and still got denied. Clearly Cigna does not want my money so I have canceled my insurance and am going back to Aetna for individual insurance.

Does Cigna cover **(**). Cannot get an answer. Our employer may pick Cigna local plus. This is very important since I have bipolar and other medications do not work for me. I am worried about my mental health.