Cigna Health Insurance Reviews

This company can't even find your account number so you can pay your bill. I've never had so much trouble in my life. Spent 50 minutes on the phone for no reason whatsoever. Absolutely pathetic excuse for a company.

Started with Cigna for 2025 for prescription drug Insurance. First time using, they sent a letter wanting over $500.00 more than the plan said it would pay. Each additional 3 months was going to be $300.00 more than plan showed. Called them 3 times this morning to get answers. Been waiting on phone for over an hour to talk to supervisor. Still no one. Would NOT recommend this company.

This is the absolute worst insurance company in the world. I would like to be included on their class action lawsuit for denying claims as they continue to do it to myself and my family after paying absurd premiums.

Denied drug coverage that I've had for a year out of the blue. Deny and hope people don't fight it just like all the other health insurance out there. Terrible company but what are you to do besides waste a ton of time and money fighting it. If you have a choice, choose better.

My wife has been taking ** for over half her life. My company switched insurance providers this year and we just found out neither of her medications are covered by insurance. I guess Cigna decides mental health care isn't real care so it's not worth covering those meds. Or maybe they're getting kickbacks from the other vendors not to cover these medications. No surprise people want to shoot insurance CEOs in the street. If you're in the market for health insurance, and any member of your family have mental health needs that are assisted by medications, find a different provider because Cigna sucks.

You might as well put your premiums in the bank and cover yourself. They cover very little and next to nothing if you are out of system. The trouble is you probably wouldn't want to go to any of the ones on the list. They all look to offer services at the lowest level. They are on this list for a reason. Cigna doesn't want to pay for quality care.

My employer switch Insurance companies from AETNA to CIGNA starting Jan 2025. I called the Pharmacy today to refill for a prescriptions and was told that CIGNA denied the claim. I went on the CIGNA website to find that my portion of the prescriptions would be $1322.00. This is up $1277.00 than AETNA's copay of $45.00. I called Accredo and was told that I must call a company called Savon and I had to register with them. The representative also told me to call the 24/7 number on the back of my card and let them know that I was down to two much needed pills. He suggested that I ask them for a one time override. I called the number and that representative informed me that they could not do it and that I should call Savon on Monday which is a holiday. I have never in my life had to jump through hoops with any insurance company that I have EVER had. What a headache.

Absolutely a nightmare. I had set up insurance for the 5000 plan. I had been out traveling I recently just got a job with benefits and skipped the dental insurance because I thought I was still getting billed. Come to find out Cigna ended the plan and sent me a letter while I was in Wyoming. Now I'm without insurance. I read that if you had over twelve months of insurance under them they would waive the fees. Nope not a chance. They did not call me, just sent a letter. They refused to waive the fees for something that wasn't my fault. If I lose a tooth I am filing a lawsuit.

I live in Michigan and my auto insurance requires letters from Cigna to prove I have Qualified Health Coverage i.e. stating that my Cigna health coverage is Primary payer in case of an auto accident. I need this proof every year. If I do not have it, my auto insurance premiums are extra high. Cigna should have these documents available on my online account for me to download. In Aug. 2024, I contacted Cigna for the letters and they sent me something else. So, I had to contact them a 2nd time and it was correct. The amount of time on live chat and telephone (with people who are poor at English communication) was 2 hours.

My experience with Cigna was they refused to cover (add to deductible) a lab test even though they had covered it in the past. They informed me it was not covered under provision 25. We as patients have no control over how things get coded. I only know the condition for which I was being tested, if left untreated, can lead to other more serious problems. The representative I spoke with told me I could appeal, but provision 25 would prevail.

Pathetic insurance. They bombarded me with mail to sign up for their prescription mail order. Which I did. I directly called Cigna. Gave all my information to the agent. My doctor okayed everything. And did they mail a prescription to me. Of course not. They told me that I hadn't okayed my prescriptions to be sent. So calling that day giving all my information talking to the agent for 20 minutes and asking for my prescriptions to be mailed to my house didn't quite cut it. So they ended up not having to pay for my prescriptions for 2 months as all this sat in limbo. Good job saving 2 months not paying my prescriptions. Perfect.

I had to change jobs six months ago which forced a medical insurance move to Cigna. This has been life altering in the worst possible way, giving them even 1 star is vomit inducing, that is how awful they are. They don’t cover anything. Blame my employer and pharmacy with their strategy of wearing people down until they give up and defer medical care until retirement. The stress has increased my blood pressure and I am sure cortisol levels as well. I am going to have to get a new job over this and will never consider a company that has Cigna for their health insurance. I could write a whole chapter of complaints after a mere six month. I don’t know how anyone tolerates this.

My experience (for the past week) trying to register for online shopping has been - still is a nightmare. Beyond aggravating. So many times my (correct) input was rejected - I contacted "help" phone service (after holding about 20 min - or more) the agent was not successful either - she then referred me to a "specialist" - who informed me I should not use a special character even - though criteria stated I should - that worked. However; once I finally got accepted - I was instructed to Register (again) to shop on line!! Prior to all that, I'd tried to speak to someone - many times. I was placed on hold for 30 minutes - then disconnected before anyone answered. This is my first (and last year) with Cigna - I can only hope my regrets in signing up with them will not exacerbate - they are off to a miserable start with me.

I have had Cigna twice through different employers and both times I have been miserable. Now is unfortunately one of those times. I have an unpreventable chronic condition that requires the use of multiple medications and Cigna requires prior authorizations for 75% of them despite that they are very common treatments for people with my same disease. In fact I am still battling them to cover a pretty common medication that I need to live. I am allergic to the “equivalent alternatives” they offer (which medically and scientifically are actually not the same drugs as the one I need covered). They have denied my doctors and I’s requests for prior authorizations for it 4 times now.

Scammed by alleged insurance agent. Swapped my policy from my insurance agency to Cigna without my knowledge or consent. This has caused me mental and physical damage. Will file with FTC. I will give Cigna a chance to talk with me before I proceed with complaint. I consider this to be elder abuse.

If you are interviewing for a job and the employer tells you they have Cigna, RUN!! Worst coverage and non existent customer service. I made the mistake of not asking. I have been without insulin for 3 weeks. Their latest response is that they can't get the product.... What a third rate mess.

I absolutely HATE Cigna. It is the very worst. The AI is the worst. They don't want to cover ANYTHING. I tore my rotator cuff in August 2024 and still am not able to get any relief. It took three months to get the MRI approved and now another 3 months to see a doctor again. In the meantime, I am destroying my other shoulder from having to do so much with one arm. 100% CIGNA's fault. They have caused me to have a severe injury now to the original shoulder from not having it repaired when I originally went in August 2024. It's now January 2025 and CIGNA is still holding up my urgently, now likely irreversible shoulder repair.

Just like all the reviews I give these a one-star and apparently Cigna doesn't read these reviews because they keep coming in, had procedure scheduled 6 weeks ago, two days before the procedure they said Cigna hasn't approved it yet and I had to call Cigna. After waiting on the phone for 25 minutes somebody finally answered. It didn't care anything about a person's health in my opinion. Unfortunately I'm stuck with say that because it's through my retirement work. I think they would rather see you die than help you. My doctor prescribed an MRI, Cigna said it wasn't Nest necessary so my doctor said, "Okay I will send you to a neurosurgeon so he can prescribe the MRI." $500 down the toilet later by Cigna I got the MRI. You people are disgusting

They don't cover obesity drugs such as **, **, **, or **. They offer a pathetic "supplemental discount program", where ** can be purchased for a whopping $1537/month. Regardless of the fact that we pay a huge premium every month, the fact that they don't cover a medically necessary prescription is criminal, horrible medical policy, and a huge disservice to their members who are stuck in these plans. Sadly, my coverage began only 2 days ago, and I can't fathom what I'm in store for the rest of the year.

This has been a horrible experience. They are hard to deal with and the Customer Service representatives say they can't answer medical questions because they are not medically trained. This is health insurance. Hire people who can help. Took over a month to get my insulin approved. That took filing complaint with BBB. Can't talk to spouse without written consent. I have always been able to provide verbal consent. Unfortunately for me it is an employee benefit. If you have a choice choose a different provider.

Cigna Health is doing everything to keep me from getting my psoriatic arthritis medication. My previous insurance co. covered my prescription (**) with no issues. Now I have Cigna and they are making me chose a bio-similar (generic) but they refuse to cover much of the costs. Even with a copay company, Cigna is putting up one roadblock after another and are now saying they are only going to cover half of my dosage. My rheumatologist has been fighting for me but Cigna is resisting the whole way. Reminds me of the story from NBC Nightly News from 12/26/24 that reported Cigna's refusal to cover cancer drugs to patients even though the medication was prescribed.

I don't go to the doctors often and my Company pays for my insurance so you would think this would all be taken care of. I have a $50 dollar copay that I normally pay. I received a text from Patient First saying they were going to charge me $300 for going to see them in April 2024. When I contacted them and asked why they said I needed to talk to Cigna. When I talked to the Cigna rep and the Patient rep at the same time they said since I didn't go to the doctors enough I didn't reach my deductible and need to pay the remaining balance. My company has had Cigna for years and I have never heard of this or had a problems like this. Thank God I changed positions and have a different insurance. Biggest scam ever!!!!

Still battling an insurance claim for a dental surgery from almost a year ago. My policy says it was going to cover 80% so far I’m paying 100%. I had another surgery that I was supposed to pay $400 but turns out I’m paying $1,900+ not that you can find any better just know what you’re getting when you get Cigna. They won’t return my phone calls or call me back either. No way to get in touch with them.

I have an autoimmune disease that I have dealt with since I was 22, I am now 27. I was on a biologic medication for 4 years which kept it under control. Switched to Cigna for them to make me try a cheaper drug. Ok cool, did it. Did not work. Made me worse. Doctor appealed the decision after 8 months on it. Cigna is DELAYING the process for over 4 months now. I have since reported them to the TDI commissioner. This is complete crap, especially for people who play $1600 for a plan. It’s a joke. We have no other option with employee coverage.

I have had many different health insurance in my life and this is by far the worst. The flexible spending account has been one debacle after another. I was supposed to get in June and it is the end of December and I still haven't received it. Every claim that I've submitted on the website has been denied multiple times. There's no way to talk to any customer service agent and if you happen to they have no idea what they're talking about. If you have the choice, tell your union, organization, place of business to not use this company.

If you can get a better insurance avoid Cigna. I have them through my job. I pay $350.00 a month. They discount the claim to where you pay most of it. Especially with Dental. I will be searching around for another. Avoid them.

I have Cigna Health insurance. Their website has problems so I am not able to pay online. Each month, I have to call and make a payment over the phone. This time, I was told they no longer accept credit cards or debit cards. I am trying to pay them but they refuse to provide me with a method that they'd accept.

I have had knee problem over several month. My Orthopedics recommended injection treatment prescription, however Cigna denied and they do not cover knee injection. I call them and spent over a hour, transferred multiple times just finding that Cigna does not cover knee injection and they could not provide any other alternative treatments, because they are not medically trained. Paying over $1500 monthly insurance provide such a great service. I am sure Cigna AI will respond to this posting with "please send us an email at LetUsHelpU@CignaHealthcare.com and include your ConsumerAffairs.com username to be connected with a customer care advocate," but my result will be the same... No treatment and no coverage because of Cigna.

1 star is far too many. This is by far the worst insurance company I have ever had the displeasure of doing business with. Over $5000 of premium and they have denied ALL of my claims including dental, which I paid extra for when signing up for their plan. To add to this, they add exclusions to your already expensive plan making it pretty much useless. Biggest scam on earth. This used to be a great company but has obviously suffered at the hands of greedy and lazy people. Avoid at all costs.

Horrible experience!!! I called to request a new HSA debit card for my wife. Called Cigna and they transferred me to a representative from the "HSA bank". They took down the information and repeated my request for a new card. As soon as I hung up, I got an email saying my card was "flagged as lost or stolen". The email said if I did not initiate the request, then I should them back ASAP. So I called back and the representative (who is based in the Philippines) tried to transfer me to the "HSA bank", and after a few minutes, he came back on the line and told me the bank was closed - it was 5 pm in CA. I asked to speak to a supervisor and was placed on hold for a long time, and then I was disconnected. I called back a third time and was placed on hold again to wait for a supervisor, and finally I gave up as I didn't want to waste more time. This is utter incompetence and inexcusable!!