Cigna Health Insurance Reviews

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.

My wife and I received letters from United Healthcare in Nov ember 2025 stating they would not be covering our visits to Baptist Health. We went through the process of switching our healthcare insurance to Cigna effective Jan 1, 2026. On January 13 we received letters from Cigna stating we had been assigned a different primary care physician than the one we use. We made numerous phone calls to Cigna (now HealthSpring) and were told our physician was not "in network" and our visits there would not be covered.

I recently had to switch to Cigna and I am already disgusted with his company. I have stage 4 kidney cancer and my doctors want to provide spot radiation on two of the largest cancerous lesions on my lungs to stop them from growing to help provide me with a better quality of life but Cigna has decided to DENY this treatment saying they WILL NOT cover it. Cigna would rather see me die than cover this treatment. Another example of the insurance companies playing God and making decisions against what my DOCTORS, the experts, say I need. I will be reaching out to the Texas Department of Insurance on this matter and will reach out to everyone I can about this horrible treatment of one of their insured. And don't tell me to reach out to some 'customer service' team to assist in this matter. This is much larger than a 'customer service' issues. Shameful.

An absolute nightmare. Zero stars. Cigna has the only Medicare advantage plan in my area so I have been stuck. Customer service is terrible, 99% of the time you speak to out of the country 3rd party reps and the language barrier makes everything 10x harder. They require referrals for certain services but they won’t tell you which services so you have to call anytime you see someone other than your primary. Once you are approved to see a specialist it doesn’t mean the services they provide to you will be covered… that requires additional approval, but you don’t find out until you get a bill because everything was denied. It took over a year to get a reimbursement for the denied service.

As a new healthcare provider, I have accepted and been credentialed for all of the major healthcare networks to include CIGNA. Of the 15th to 20 claims that I have filed for CIGNA, I have only received one payment back. One client and I recently called together and an agent told us that they forgot to take off his expired insurance despite the fact that the client’s family had called in and told them that they had only CIGNA now. Despite this, when I call in regarding the clients benefits, they continue to say he has to call about COB, and has two insurances. I am completely frustrated by this company and find them very unprofessional!!!

Without notification, after open enrollment was over, we received a letter changing our premium by over 500% (from 3.60/mo to 53.50/mo). Supposedly, the plan we had was "no longer available". We waited on hold for 1/2 hour, the representative could not help and gave us another number to get help with another plan. The 2nd representative (hard to understand) refused to help in any way. He in essence, said "pay the premium," or you will be penalized for life.

I applied to Cigna for health insurance coverage during the recent enrollment period being dissatisfied with UHC Medicare Advantage. Cigna used Milliman IntelliScript to do a medical history background check on me and declined my application from the information they received. Milliman showed that I had been receiving physical therapy for Ankylosing Spondylitis which is a non-curable auto immune disease. I was taking physical therapy for spinal and cervical stenosis from old injuries, not Ankylosing Spondylitis. Why my physical therapist listed this condition, I don't know. No Physician has ever diagnosed me having this condition and I have never taken any treatment for it.

A note to my insurance agent: Just an FYI for future reference. Yesterday I was unable to login to the Cigna website. I called the number listed for assistance. There is no specific menu selection for website issues, so I'm not sure where I ended up, but she told me to call...the same number. I asked for which prompts to use, but she said she would transfer me. I waited 45 minutes on hold before having to hang up for other reasons. I called back in the afternoon and waited another 45 minutes on hold, listening to the recording telling me how important my call is.

I urge everyone to steer clear of Cigna. It is really a damn lousy insurance company. The customer service is non existent. I was supposed to be covered fully for hospitalization but my GOP cover 1/10 of the estimated costs.

I never received my required notice of annual enrollment (ANOC). Never received a letter that they were increasing my premium 350% for 2026. First I heard about it was when I received the invoice on 1-2-2026 AFTER I could change. They cleverly back-dated the invoice to December 12, 2025 to create the illusion that they sent it with sufficient notice. I called them and asked what happened and they told me they cancelled the SAVER plan I was on and merged it into their EXTRA plan. The only thing I get that is "extra" is a much higher premium with no change in what they provide.

I was diagnosed with Cancer in June 2025, it's now January 2026, they drag me alone and each time you call a different lie, it's coming from the CEO down, Representatives are hired to lie and delay, looking for a loophole to delay and deny. All of us are basically saying the same thing, we purchased policy looking for protection at the same time hoping you never need it written reviews are ok but something as serious as your health and well-being we all needs to ask the Attorney General to get involved as are just small when it comes to big insurance companies and must the time because of being ill you don't have the strength to fight. It's time for the CEO and the higher-ups to be held accountable.

Cigna has been one of the most difficult insurance companies I’ve ever dealt with. I had a hip replacement last year, and they are refusing to cover my follow‑up appointment — something that is clearly part of standard post‑surgical care. On top of that, I had a bilateral mastectomy, and Cigna does not want to cover the MRIs that are recommended every three years for monitoring.

Can Cigna explain why on December 30th, not long after Medicare renewal, I received a letter informing me of a 12.5% monthly price increase on my premiums? Really? I've put a reminder on my calendar for next year come renewal time.

This is the worst insurance one could have. I’ve went over a year wanting on them to pay a $1000 plus medical bill for my wife when she was pregnant. Gave them all the information why needed and still took that long. I was threatened to go to court over payment because I was waiting so long on them to pay. Called 15 plus times getting the runaround scheme. Doctors in my area stopped taking them because they never wanted to pay so I know drive 35 minutes to go someone who is in network and takes them. Good luck if your spouse has insurance and ends up Dropping his/her insurance. Even with written proof of separation from job and letter from insurance stating they are no longer with them still takes 6 months minimum. Screw them. They will cause you to have high blood pressure. Someone needs to investigate them and take them to court for their wrongdoings. I’m going through another issue now with them. It goes on and on.