Cigna Health Insurance Reviews

If you like getting a nervous breakdown choose Cigna! I chose Cigna for my dental/vision insurance, when speaking with the rep for an hour it seemed like the ideal plan. He assured me any cleanings and routine x-rays would be covered 100% regardless if the dentist was out of network like mine. I made a copy of my whole policy and first cleaning they only paid a third of the cost, nowhere does it say that. A filling, which should be 80% covered, I am going to receive a few dollars back because now all of a sudden there is a deductible I never heard of. When you try to speak to a customer rep be prepared to lose your mind, the AI robot keeps repeating itself, I kept getting numerous numbers to call ending up with the same stupid robot...it was a nightmare. Zero customer service and they lie. As soon as the last claim is processed I am cancelling.

My wife and I had the EXACT insurance plan, same EXACT practice and same EXACT dentist. Her claims were approved and paid, mine were purported to be "Out of Network" and not covered, all for just a cleaning. After contacting the dentist office and claim was re-submitted, same result from Cigna. After calling multiple times to Cigna and being assured situation was resolved, NO CHANGE. Just a premium collector with no real coverage. AVOID to save yourself.

Refrain from using Cigna Envoy due to the insurmountable challenges in avoiding bill payments. Requesting detailed receipts and explanations which is not feasible to get from providers outside the United States.

Don’t give them your info unless you want your phone going off every 2 min of different agents. I kindly ask them to remove my application from the website and basically the guy refused to remove it and say I have to get insurance to take it off, he was super rude and continued to question my intentions. Already a bad start why would I continue with them? No thanks.

I have been in the medical industry for 32 years and my company chose Cigna as our insurer. I have had a horrible experience with them. They deny claims and make the physician do peer to peer on my pet scan, my melanoma surgery was cancelled because they did not want to pay to remove my melanoma. When I call which I did often I got the run around and never got to the decision maker. It is the worst insurer I have had to use in my 45 plus years of insuring me and my family.

Wish I could give 0 stars because that has been my experience. There is no customer service to speak of. When you have a question to send in an email it goes to LetUsHelpYou@cignahealthcare.com. You have to do this through Facebook because I can find no other way to contact them. The phone numbers given go unanswered. Then you keep getting requests for more and more information, apparently hoping you will get frustrated enough to give up. I have been trying to simply get and EOB for my husband's claim and it is like pulling teeth. I am 78 and my husband is 81 so we have used a large number of health insurance companies in our lifetime, but Cigna is, by far the worst we have ever experienced.

I had Cigna from Market Place. I did the rewards for money for groceries. I did what I was suppose to do and they would not give me my 100.00. I have called several times and nothing. The last agent Mesha asked me what I was smoking. Everything is on a recorded line. I just want my 100.00 rewards that are mine and they will not give it to me. They are stealing from a elderly person. Sad!!!!

This is the worst Insurance I have dealt with in my entire life. You have to choose a doctor and when you do, they don’t pay out. I can’t even log into the system and I’ve been trying to for a month. We’ve put two trouble tickets, please whatever you do do not use this insurance.

Their transportation service they use in Houston TX needs to be dropped. Every time I call in or go on the app to book a ride it gets messed up and when I call Cigna to make a complaint nothing ever happens.

After posting the review, I was contacted by LetUsHelpU and after I sent them the results of the Level 3 appeal, the wheels started turning. Within 2 days I was contacted by Cigna that they had processed the pre-authorization and the my medication was available for pick-up at my pharmacy. Thanks for the follow through that finally got me the approval I needed.

I like to start out and thank Cigna for being one of the worst insurance I had to deal with. Thanks you Cigna. My husband's whole corporate company went back to our favorite insurance. Cigna is the worst at approving MRI and charges up the butt when you get an X-ray. If you’re thinking of having them, dont! I rather get Obamacare than this

Cigna Medicare advantage seems to deny coverage as a first response to any claim. Customer service is obviously off shore and they just read from a script every time I call. I tried to get coverage for cpap supplies and they said “it’s not a medical need”.

You might as well not have insurance. 2000 out of pocket for my blood pressure to be checked at the ER. Absolutely insane. Now I will be paying payments for years because this company doesn’t care about its patrons.

I have something going on in my lower back. Cigna said I need physical therapy, so I was on my 4th week and my therapist said it clearly was not helping and he advised me not to come to any more sessions. He even wrote a note to my neurologist. Cigna then refused my MRI and it was canceled. I have to do 2 more weeks of pt before they will cover my MRI. Meanwhile I suffer in pain. They do not care about the people that are with them. Very dissatisfied.

Very disappointed with Cigna’s coverage. My wife’s thyroid medication isn’t covered, and my daughter’s back procedure was denied. Families deserve real healthcare, not endless delays and repeated denials.

Cigna insurance is by far the worst. They will take your money, but that is where it ends. They don't insure you for nothing. It's total nothing. I'd give them a negative 10 if I could. I have never seen an insurance company this bad. There is nothing worse.

Simply the worst, uncaring, unsympathetic. Customer service is worthless. I have been promised return phone calls that never happened. My surgery was denied twice because of a clerical error regarding if I was a smoker. I completed a blood test to prove I was not a smoker. The test proved I do not smoke. Results were provided to Cigna, only to be informed that the results did not arrive in time, denied again. A patient cannot speak to the staff physician because of Cigna protocol. Cigna staff (medical and RN) are there to deny for the sake of profits. Perhaps Cigna medical staff should review the Hippocratic Oath.

I have had Cigna Health Insurance for 2 years through the Marketplace. It has progressively become horrible. They do not approve medications, do not have doctors needed in specialties, do not show all the doctors who accepts their insurance online, approve medications and don't apply my out of pocket which would make it a zero co pay, requests the same informations from my doctors over and over when they have called in, faxes several times and still cannot get preauthorizations. They have call centers everywhere but trying to get to a manager, director or someone in the USA is impossible. One person says they will call back and never calls back, the next says the same and the cycle goes on and on.

Our family’s Supplemental death claim in a minor’s name was denied after over a year run around. Claim **. It was clearly an accidental death per the certificate and they forced his family to get involved after refusing to speak to me even though they worked with me for the first six months, and then now will only send info to the brother in law-please make it make sense. Our whole family is traumatized from speaking with Cigna and their insane logic. This should never have happened.

I went to the hospital for acute back pain and numbness in my leg. The doctor wanted to do a MRI to see what was going on considering my history of four problem disk. The company denied the service and even denied it again after a peer to peer call. Cigna is the worst! I work for a company with over 80K employees so I expressed my dissatisfaction to our HR department and also filed a complaint with the Colorado Dept. of Insurance. Use anyone but Cigna!! I had used UnitedHealthcare for many years with zero issues until my employer switched to Cigna and believe me I am doing everything I can to get them to switch back.

The worst insurance company. I have been dealing with ongoing pain and numbness in my legs and feet. It got to the point I had to seek medical advice so I went to my vein doctor as I do have pretty prominent varicose veins. He sends me to have an ultrasound done which yields abnormalities that require stab phlebectomy and radiofrequency ablation surgery. It gets submitted and denied so I called. I was told that it was because it wasn't medically necessary but the doctor's office can normally work with insurance to get it taken care of. So I get a call today from my vein doctor and now Cigna doesn't even cover varicose veins. Absolutely ridiculous. I am so sick of these ignorant insurance companies making it impossible to get treatment. I can't wait for open enrollment cause ill go without insurance before I pay these crooks my hard earned money for nothing.

Healthcare costs are getting out of control, and Cigna is part of the problem. I appealed a claim that they didn’t fully cover, and they aren’t willing to help negotiate the bill down nor cover more of it. My 9 month old daughter went to the ER, as recommended by an on call nurse for spiking a temperature of 103F. We went to Children’s Hospital ER, as per the recommendation and time of evening, and the PA who treated my daughter said “I wouldn’t get excited until 105F.” She gave some ** and that was all the medical care received. We received a $1544 bill, reduced to $900 after insurance adjustment. Children’s Hospital has not provided a billing rate or sufficient rationale for coding this visit as a Level 2. This is predatory billing. They also are not willing to negotiate to a fair cost. $900 for ** is unconscionable.

My review is for Cigna HRA. If your employer uses Cigna for their HRAs, don't even bother! You will NEVER get reimbursed for your out-of-pocket dental/medical costs. Plus you never get an explanation!

I switched from Humana HMO to Cigna HMO due to service slowing down and lose of benefits every year! I thought I'd get better coverage and found out in less than a month they are far worse of an ins. company. You have to wait a month plus to get a referral than another 2 months to get a doctor appointment! They send you a referral document with name of doctor and then you have to go online to find out what type of doctor it is! Seriously! This isn't insurance!! This is a travesty of what is classified as stealing from the consumer for medical insurance!!

I have had an extremely negative experience with Cigna Health Insurance. Although my deductible showed only $30 remaining, I had to pay approximately $5,000 out of pocket because of numerous hospital bills about the rest of amount that were not covered. Even after additional visits to other hospitals, my deductible did not decrease.

If I could give zero stars, I would. My husband has been in severe pain and needed an MRI. After weeks of fighting with Cigna for approval, their customer service representatives and even his doctor’s office both told him the MRI was denied. Out of desperation, and because he couldn’t wait in pain, we ended up paying out-of-pocket for a second MRI order.

Updated on 09/15/2025: My dr was able to take care of the situation.

Cigna customer service is absolutely terrible. My wife tried for 3 months to get an MRI approved and she had to cancel and reschedule 3 times because Cigna kept saying she needed to do with or without contrast, then they said she needed physical therapy notes, then they came back and said the facility wasn't in-network, after that Cigna told us we needed a Dr. note. After all of this the claim was finally approved on 8/29, 2 days before our plan deductible would reset. She had an appt. with the provider on 8/31 but was told by them that it hadn't yet been approved. We finally received a later of approval the week of 9/1 (after the plan renewed) so now we're responsible for more of the cost since the deductible is $0.

Cigna denies almost every single drug necessary to my survival, as well as denies imaging requests by my doctor. I have been on the same medications for going on 20 years, but Cigna doesn’t evaluate your medical history or care. They have denied med requests and imaging, regardless of very detailed explanation from my physician. Cigna also sent my personal information to the wrong address and faxed info to the wrong random hospital I’m not affiliated with and see no one at that location. Now my personal subscriber number and medical information, employer info is floating out there.

Cigna denied paying for surgery that I need to relieve the constant nerve pain that I have from degenerative disc disease, due to a technical surgery code issue. What’s the point of paying for insurance?