Cigna Health Insurance Reviews

Check #351 was send 11-19-2025 $142.17. 11-26-2025 received another payment request, due date 11-30, $142.17. So resend again another #142.17 before due date 11-30. Second time required double payment for one month, WHY?

I've had Cigna since 2019. Usually able to work out any denials or referrals. Recently moved and did all the required notifications and plan changes. Even though in same state county coverage was different. Went to new primary Care physician only to find out I had no coverage. 2 days on phone and 5-6 people and still no insurance! Thank goodness there's only a month left before I can change. Such poor service. Filed a grievance and had to explain it every time with no results.

From a facility's/provider point of view! Cigna Healthsprngs Medicare is worse than UHC! We have been a provider with them for over 20 years. Cigna never sent anything to recredential with them or told us we were no longer a provider! They just quit paying our claims staring this year (2025). At first they would pay a claim on a patient for one DOS, then deny the next day and then pay for a DOS after they denied a DOS. This has been a pattern up until May 2025. All our claims say that the provider is not eligible for services. We can't ever get a representative on the phone that speaks English! We can't get any response via email!

My employer decided to offer this insurance to us and it's been nothing but a headache. 8 times out of 10 when my doctor orders a test that is needed, Cigna denies it saying it's not medically necessary. They have denied 55% of my prescriptions so I've had to find other ways to get them at a discounted price. This is the worst insurance I've ever had. Do not get this insurance!

I am forced to use Cigna through my employer, so I have no choice, but they are absolutely useless. All insurance companies play god to some point, but I suffer from migraines every single day, very horrible ones that I am unable to treat, but they will not approve my neurologist's prior authorization and only send me a stupid letter stating how I don't qualify for pain relief, which my neurologist told me that I actually did. I am suffering and about to lose my job because I can't get a preventive - it's so easy to make a miserable life better, but they only care about being god.

The customer service is so abysmal, it boggles the mind. The website doesn't work. I was unable to retrieve my user name from a profile I set up a decade ago. Phone support wasn't helpful, and the automated phone system took 3 calls to connect me with someone. My new insurance didn't show up under my profile and there was no inbox to send a proof of insurance. They would not email this and don't mail it in a timely manner either. The onus is put on the customer to navigate a broken system. The company has no accountability for their poor technical set up.

This is in Part D Medicare. First off they don't pay for anything. I just had open heart surgery. So it's obvious that I've reached the top tier. Still Cigna garbage company pays nothing but expects you to send your payment in every month. Stay away from this garbage company that uses overseas phone people you cannot understand. For next year I've dropped them and I'm not telling them all Medicare Part D sucks because the govt doesn't care about us but Cigna is just one of the worst.

I have a simple question about trying to pick a plan. I called yesterday and was on hold for over 1 hour when I finally had to hang up. Has been 2 1/2 hours today and I am still waiting for someone to pick up.

We are moving close to closing of open enrollment, My Agent convince me to remain where I am at the present time which is Cigna, I had come to a decision I would, then a letter of denial came to me for a Dentist I was seen by about a week ago, the interesting thing was I did my due diligence looking this Dentist up to be sure he was in Network, I even called TWICE spoke to a Representative who confirmed the Dentist was in Network at Cigna. What should have been a simple process. I spoke with 3 different Reps at Cigna. All spoke broken English. Had me on hold for 10-15 minutes while checking on information they should know, I finally get an appointment, see the In-Network Dentist only a week later to get a letter of denial, I call.

Cigna Saver RX Prescription Drug Plan for 2025 has been a terrible experience for me. Cigna Health Services Corporation purchased the Cigna Medicare business in 2025. In April, they moved one of my drugs from Tier 2 to Tier 3. That resulted in my paying full price for the drug. After many phone calls, messages, and letters, they agreed to charge the Tier 2 price. They issued a rebate, but not for the full amount that I had paid. Changing the formulary after people make their open enrollment decisions is unethical. In November, Cigna rejected a claim for a different drug. After I submitted the insurance claim to my doctor for authorization, Cigna denied the claim for that drug—and for another one! Of course, I switched plans for 2026. Beware: Cigna/Health Services Corporation will become HealthSpring on 1/1/2026.

Updated on 01/24/2026: This is my second review and it is getting worse and worse. I had a hip replacement in 2024 and had to pay out of pocket an insane amount of money. After that I had PT in a Northside Hospital and they helped me tremendously. Now I have another issue in my SI joint and Cigna does not pay for in Hospital PT anymore. They offer you tele physiotherapy from their own company. What's that? You have to make exercises in front of your TV. Nobody will control or correct your exercises. That's even worse than PT with all these chains like Benchmark and so on.

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?

One of the worst insurance companies out there, if you get it from your work, its better to find your own insurance. They decline actual coverage for people who need it, they are the cesspit that has become the American way of life and they shouldn't exist.

I chose to give CIGNA zero stars. I am an oncology patient that has been fighting cancer since 2007. I just got married and went on my husband‘s insurance which is CIGNA … huge mistake… I am in treatment every three weeks at a hospital in Boston and been on life-saving medicine since 2013. I got a call from one of the nurses at Cigna that they are changing my care plan from going into the hospital every 3 weeks to having my treatment at home with a nurse coming in to administer the medication… I work in Home Care. I do not want this model of care… I work full-time and do not have all day every day to wait for a nurse. In addition, they want their pharmacy to provide the medicine.

Had a medical bill payment that went to collection agency, as Cigna rejected the medical bill payments for many months. Finally the collection agency started calling and realised it was due to the unpaid bills. Provided the collection agency the Cigna card, as the expense was related to medical bill. Payment got processed. Few months later card stopped working. By calling customer support, realised they have blocked the card due to invalid transaction. Now working for 2 months to pay the transaction fees and to get the card activated again. It started from Feb 2023 through Aug 2025. No resolution yet. They make it so hard for people and process, so nothing's for their customers.

My experience in the last 6 months while enrolled with Cigna has proven to be a complete disaster. I was prescribed ** for severe osteoporosis which was denied. After the first sensual I was instructed to get the doctor to resubmit the prescription for review. After a month of waiting on the first denial the second came in just 3 days. I was sent this: The covered drug is ** injection. Records do not show one of these: 1. You tried it, but it didn't work or caused an issue; or 2. You cannot try it per the drug's FDA label or because of a health reason.

My mom signed with Cigna yrs ago. She's 96yrs old and has been on Medicare and Medicaid over 1½yrs now, and in a nursing facility. Cigna had continued to auto draft payments from her bank account! When I found out, I called them but they refused to refund any of those payments. I was told that when she's dual eligible, Cigna doesn't do anything. They just took money with no benefits to her (Easy money for Cigna). Shame on Cigna for taking advantage of the elderly with their 'money grab'. I live in a different state than Mom, so I'm trying to manage things from where I am, though I drive over 2 states, to get to her, regularly. The thousands that they have taken and kept, would be helpful towards her end of life arrangements, but they couldn't care less! Shame on you Cigna.

The nurse advocate program sounds great and they call you to offer help and support. The minute you actually need their help for a real life threatening situation they leave you hanging with no real teeth to the support offer.

Every week, I receive more limitations on doctors who are in network. All of SSM in Oklahoma is out of network. That's unbelievable, which leads me to think Cigna is being unreasonable. They changed our plan mid-year to require medical authorization. The cost of insurance, high deductible and narrow scope of service is crushing. Honestly, it's the worst health insurance we've ever had.

DO NOT GET CIGNA IF YOU PLAN ON HAVING KIDS! I am absolutely furious with Cigna’s so-called “maternity coverage.” They claim to cover maternity care, but the moment you suffer a miscarriage, you’re completely abandoned and stuck paying thousands of dollars out of pocket. If you’re planning to get pregnant, do NOT trust this insurance. No one knows what will happen with pregnancy, and if the worst happens - a miscarriage -Cigna turns their back on you. They deny surgeries, ultrasounds, lab work, and even anesthesiology related to miscarriage care. It’s heartless, cruel, and completely unacceptable.

Cigna cancelled my family's health insurance over a 22 cent error as we were trying to establish service after moving to a new state. We established service with Cigna on 6/1/25 and paid for our June premium at that time. On 6/20/25, I went on the Cigna website to pay our July premium and setup auto payments. Cigna confirmed the auto payments by email, but the premium payment didn't process for some reason.

Whatever you do, do not waste your time on the wellness app to earn money. I completed whole thing and reached the 60,000 points. It said well done. There was no redeem button. I reached out to Cigna and I was told there is no reward incentive. But it clearly states it on the Cigna site.

I was left on hold for 32 minutes after being transferred, I requested a supervisor and was directed to another rep (not a supervisor) after my third transfer I was connected to Kim (maybe a supervisor) and she was short with ALL her answers and would not give me a reason for my denial on medication reduction of cost submission. All she would say it has been denied. If this review is read by Cigna “concerned representatives”, please feel free to contact me.

I got such a runaround from their customer service reps. I called 3 times and they refused to address my question, and insisted on transferring me to the pharmacy. The pharmacy reps didn’t have any information they could give me. Finally one very helpful representative from the pharmacy offered to do a three way call, to attempt to get an answer for me.

Worst insurance company ever! Constantly denied for service, called to find out why and was hung up on several times. Save your money, go elsewhere for insurance. People are rude and un helpful. Worst people ever.

Please stay away and keep your sanity and peace. It has been nothing but an absolute nightmare since I have started using Cigna's "Health Insurance", if you may even call it that. They have third parties process all medical and vision services. Their customer service line is extremely unhelpful. The providers that they show as in network, may not actually be in network. If you start a rightly submitted fraud case, they will not follow up with you. If requesting a supervisor, you will not receive a call back nor will you be able to reach a supervisor on the phone.

Stay Away from Cigna at all cost! Not only because they don’t cover much! You may not need medication from the start but later on you may and they don’t care if you have terminal illness. They will not pay for medications, lower high costly drugs and deny your appeals even with doctor medical support! Try someone else! Last but not least the copay increases every year! There had to be something better! Warning—do not waste your monthly payments like I did. Choose someone else!

I have had Cigna insurance for over 40 years and was pleased with it over the year, but probably because I've been quite healthy. I was recently diagnosed with throat cancer and met with a neck and head oncologist. I went through all the tests and scans and the Dr. put together a plan that has a better than 95% success rate. After all the stress of the tests and treatments, I thought I was on my way.

I would give minus stars! I've been in life saving meds for a serious autoimmune disease for 5 years and never had an issue until Cigna! I went through the switch to Cigna, the pre-authorization process was ridiculous and I was late and SICK on getting my meds. Now a few months later they decided to deny it!!!! I am again due my meds, my DR has called and expressed the urgency, and they continue to drag their feet! I will end up in hosp within days.. How can they deny life or death healthcare! I have contacted an attorney, sick of this.

I have called Cigna Customer Service eight separate times about a claim from April of 2024 for Anesthesia for a Surgery I had. They say each time they haven't received a bill. Almost every time we have a 3-way discussion with the company. 'Everything is resolved'. I get another bill. I have met my out of pocket for 2024 so don't owe this bill but am being threatened with collection. I asked to speak to a Supervisor at Cigna today, none available, the CSR told me I had to call the company because they never received a bill even though on the previous phone call the Cigna CSR went step by step w/ the vendor as she submitted the bill. This is a bogus response. The bill is over $4000. I am almost 80 years old and don't need this aggravation. The CSR also said she would have the supervisor call me, that didn't happen. My credit is being threatened and it is stellar. I am going to call again tomorrow and demand to speak with a supervisor.

The worst insurance company out there. Run away from them. Can’t make this up. Then look at the reviews. Wow. They do everybody bad. After talking to them you probably will need to go to the hospital. They going to run your blood pressure up.

Cigna's processes have gotten much for complicated and unnecessarily elongated over last few years. This results in crucial medications taken forever to be approved and are often denied, even though clear documentation is provided for the medical necessity. In today's AI-driven world it should not take a health care company months to review documentation and medical history and need only to deny the request. Cigna needs to drastically improve and shorten their processes to benefit the patients not themselves.

I have tried repeatedly to get my ID cards available on my Cigna account and repeatedly been told it is fixed, or will be fixed or it will be fixed... The cards are not available but I have an up to date account. This is not a health care issue but a tech issue that is ridiculous that they cannot correct.

Dealing with Cigna has been an incredibly frustrating experience. I have out-of-network benefits, but actually using them feels nearly impossible. Submitting claims is a nightmare—the website is glitchy, confusing, and often doesn't work properly. I’ve had to go back and forth repeatedly just to get basic claims processed. The whole system is exhausting, and their online tools are anything but user-friendly. For a company that charges so much for coverage, you'd expect better infrastructure and support. It's been a constant hassle, and I dread every interaction because it feels like I'm being set up to fail.

Cigna is absolutely the worst insurance company I have ever had. Unfortunately, my company chose Cigna as its insurance company. They constantly take too long to complete any claim, constantly ask for medical reports that were attached to the claim, and constantly deny claims for no reason at all. When you ask them to send money directly to the provider, they constantly send it to the wrong place, and don't follow instructions on how the provider wants it sent. I have two claims with them now that have been opened for 3 months with no hope of completion. I call multiple times a week, and the customer service individuals say they are "escalating" the claims, but nothing changes. They are the worst company.

CIGNA is out scamming, I wouldn't say this if this wasn't true. Making promises they do not keep calling people up on the phone and scamming. I did my research and found it IS Cigna doing this. This is not some joker scamming, This is a real healthcare group doing this. Stay clear of this healthcare group. Not a good healthcare group to work with at all. Misguided information.

I am so sick of this company. Every time I go to the doctor am receiving bill like crazy. The way they do their system is so screwy and stupid. I never had these problems with Blue Cross Blue Shield. I pray my company goes back to Blue Cross Blue Shield because I cannot take this with this company anymore.

⭐ 1 Star
Horrible Experience After 30+ Years with Cigna. I've been a loyal Cigna policyholder since 1993, but after this recent experience, I’ve lost all confidence in the company. In May, I received a notice that my premium would increase by over 50% starting in August. I immediately contacted Cigna on May 26, 27, and 28, making six calls in total to try to change my policy. Each time, after lengthy verification, the representative would tell me they weren’t licensed to assist Hawaii residents and someone else would call me within 24–48 hours. No one ever called.

Cigna has been one of the most frustrating healthcare providers I’ve ever dealt with. They have a consistent pattern of denying necessary medical care that my doctors have recommended, forcing me to jump through endless hoops and appeals just to get basic treatments approved. It feels like their primary goal is to avoid paying for care rather than supporting their members’ health.

I requested my policy to be cancelled in early June of 2025 because I had replaced Cigna with another provider that better met my needs. Since I knew they had processed the payment, I requested a refund. The only acknowledgement I received was that the written request had been received. Two weeks later, I still had not received final confirmation. Upon calling to find out what was happening, I was informed that my account was closed but they were still using the funds paid through the end of the month to process claims. I tried to explain it was illegal to have 2 active policies and that I had expected some refund. They did everything except tell me that there would be no refund. Effectively, Cigna stole a month's payment from me. Do not trust this organization with your insurance needs. They obviously are crooks. Also, if you were not aware, Cigna is selling this division. Good luck.

Cigna does not have good customer service especially their representative Alyssa and has a lot of inconsistencies! I am from a provider's office. We are always referred to their website for claim information. However, the website does not provide the correct information so I have to call and ask for a representative to talk to. Payments to the provider always go beyond their processing period. Cigna needs to send their representatives for a refresher course on how to courteously deal with inquiries about claims pended and not paid.

I have a Cigna Florida Connect Bronze CMS Standard. I am due for a routine colonoscopy. Yesterday I went for a pre screening consultation to an in network doctor and had to pay $100 as a specialist fee. It said on the website that the pre-screening consult would not cost or, at the most would be $48. Now I'm trying to get information on how much I am going to have to pay for the routine colonoscopy. The doctor, who is in network, does his colonoscopies at an two hospitals (I have had that happen before for a mammogram and ended up paying $400) or one outpatient surgical center that now I find out isn't in network. I am all set up for this.

Very very very bad customer service. They need to train their employee how to help and serve their customer. I tried to check on a payment I made on May 25 for my wife. They cash my check and did not give credit for my payment.

Cigna started off good. Since the first of the year they will only approve chemo for my wife. The doctor is trying to help big with these denials he is limited on the drugs he can use. We met with top doctors that said these drugs the doctor wants are the right drugs to use for her situation. All I get is the run around. They say it is peer reviewed but I asked the other day if it was an oncologist that reviewed the claim. They told me of course it is NOT an oncologist. With this the doctors reviewing the medication do not know what they are looking at. Plus when they say it is reviewed it is less than a 24 hour denial so that just shows no one reviews the medication and automatically deny depending on the situation.

June 2nd I found Cigna changed my PCP of 20 years to someone I never heard of. I called Cigna to change back to the one I originally picked and based getting this plan. The Customer service reps tell me she is in network, and another part of Cigna says she Is not in network. I have been calling Cigna every day this month getting told she is in network. My health is suffering do to Cigna's incompetence. If I am not allowed to change plans mid term, they should not be allowed to change my providers mid term either. I have wasted many many hours trying to get this e resolved and as of now I still don't know as it changes from call to call. I call every morning to see who they have for my PCP. Customer service is great but apparently they have different information than other parts of Cigna. I am hoping this gets resolved but I'm not going to hold my breath. Big time run around, causing my health to suffer!

I canceled my plan in December and Signal reported that I did not cancel until the end of January in which they had charged me almost $600 in March for a payment for January now 3 months later they are charging me again knowing that I did not use any of their coverage in January and it was supposed to have been canceled in January so now this is the second payment they have taken out of my account for no reason do not sign up with Cigna.

Omg if I could give zero I would. This is by far the worst insurance company I've ever dealt with. We've only been with them a month now. And my doctor office has submitted a preauthorization for my medication over 7 times. Each time, the representative states, she have not received the paperwork. Even though they submit it to the number on the form that was provided to them, then to a number, their representative, provided it to me assuring me that was the correct number. And told me it was a direct line, still no approval. I've been without my insulin over a month now. And cannot get no direct answers but I can pay and file a claim or they can leave a messages for my doctor office or a I'm sorry. But yet my premium is paid on time every week drafting from my check. At this point I'm frustrated and I do not know what to do. I cannot get no answers. I cannot get my medication. This is sad.

Cigna is the worst when it comes to coverage for pregnancy. They don't abide by state laws (Specifically, Florida Statute 627.6574 outlines this requirement, ensuring that insurance policies covering maternity care also cover the services of certified nurse-midwives and midwives licensed under Florida law.) I have repeatedly asked for a list of any covered practitioners that would serve me for a home birth and they have sent me several lists- none of which have that service and many of which don't even exist. They are penalizing me for my pregnancy and not covering services that I am entitled to under state law.

Gave plenty of notice with many business days to terminate our policy - TWICE. Confirming termination AND terminating automatic payment. Still charged us for our $600 individual policy. Will take about 15 days to refund as well as 7 more BUSINESS days to send confirmation of refund and cancellation. After verbally being promised we wouldn’t be charged, all I wanted was a text or email confirming the case had been opened so we would have a paper trail and wouldn’t get shuffled in the mix as things happened and I explained I understand I have to wait and had no issue waiting. Laurie the supervisor and Miles the call center associate were unhelpful. They refused to give anything other than verbal confirmation and went even further to ensure the call was hung up on prior to the survey, so they wouldn’t be graded accurately as I know these jobs require. This call was on 6/2/2025 at 10:39 am EST so Cigna can review the call.

Updated on 05/28/2025: It’s posted that my complaint with Cigna Dental has been resolved. That is not true. I sent Cigna the email they requested but I Cigna did not respond as yet. I hate it that I can only get help when I make my complaint public on Google.

Cigna completely failed me. I signed up for a plan through the Marketplace and paid my first premium on February 2nd, assuming my coverage would start February 1st. I was NEVER told the payment would be applied to January, and I received no clear notice that my plan was terminated — not until May 2nd, months later. In March, a Cigna rep told me my plan was active, so I took my son to the doctor. That claim was later denied.

The degree of Cigna's cynical money chasing is truly horrifying. No matter what stage your journey is in Cigna is your adversary in healthcare. It starts with your first premium, it ends when you drop dead (or your spouse, or your kids).

I had Cigna dental for a few years and the plan was ok. I got new insurance in May 2025 and called Cigna on 5/2/25 to cancel my policy and auto-pay. The representative asked me if I wanted to cancel the May payment. I said yes, since I was cancelling the policy, I wouldn't need a payment for May. The representative told me that it would take 3 business days to cancel the policy and 7 days for a written confirmation. On 5/21/25 I received an email indicating my account was past due. I called customer service immediately and was told that the policy was scheduled to be cancelled 5/31/35, the May payment was due, and an auto-payment was scheduled for 6/5/25.

I work for a dental provider, I have been for over 10 years. Cigna is one of the worst insurance companies I have ever dealt with. Pre-estimate's are always wrong. I am in the middle of a appeal right now and I have two approved pre-estimates with 2 different claim numbers and I still can't get them to pay. I have had many pre-estimates that are processed wrong. Cigna can't be trusted!!!

I've been waiting for months to get my back surgery done in the summer. Everything is planned. But Cigna denied my surgery. Just like that. Well first, it took my surgeon's office three times to get Cigna to concede that they even got the paperwork. One of the denying reasons was that I have pain in more places in my body than my back has caused. Yeah, it makes no sense whatsoever.

I *never* enrolled in Cigna but because I'm on Medicare (SSDI) they were able to get my personal information and send me mail, claiming that I had a "drug plan" with them. Now I'm trying to disenroll, and they've failed to comply, after I've tried every possible way to get ahold of them. This is a very frustrating job I never applied for. These insurance companies *automatically* enrolling people is illegal, Medicare claims it doesn't happen, BUT IT HAPPENS and is killing Americans every day. Cigna is part of this evil death machine, including Anthem Blue Cross and Alignment Health. Be very public about their shady tactics.

I have been with Cigna for probably close to 15 years through my employer. They USED to be an awesome health insurer. No more. Customer service simply quotes boilerplate language and doesn't have a clue about health insurance. Typically, one goes to customer service when the boilerplate language doesn't quite answer a question. Most customer service reps, while pleasant, are hard to understand as well. I had an issue where I felt I was not treated fairly so after 8 months of going back and forth on a denied claim, I filed an appeal. It was denied and once again, boilerplate language was thrown out. It seems no one even tried to understand my situation. I come from the corporate world and even place the employee coverage. I have a good understanding of insurance.... Too bad Cigna no longer wants to actually provide customer service.

Not recommended if you have a choice, since they are clearly in the business of denying claims as much as they can. This is the situation I am in. Claims for the previous year must be submitted within 90 days of the new year (i.e. March 31st 23:59 for 2025). Conscious that they'll mercilessly deny any claim which is even 1 minute late past that deadline, I submitted all of mine in time, the 2 last ones at 19:17 on March 31st. However these two were still refused: the reason being that the server they use is in Europe and therefore, when it is 7pm on the East coast of America it is already 1am of the next day in Europe: so their system "recorded" that my submission was on April 1st on European time. Of course, the contract can in no way be construed as allowing them to use a different calendar or a different time zone than the one the customer lives in to assess the deadline.

The reason I took Cigna is they had all of my doctors. I had my primary doctor for over 20 years and I wanted to stay with her. They said she was in the system. Along with my other doctors. When I went to my doctors she said they don't take Cigna insurance. I called Cigna, a lady named Jenny said she called Cigna and everything was fine. The next day I called my doctor and they said she lied, no one called them. The best part when I was talking to Jenny I record every word she said to me and she said they're going to give me back my money because when I went to them I had to pay out of pocket because they don't accept Cigna. I'm so upset with them. They said they could help me pick out another doctor. Who the hell wants another doctor after 20 years of the same doctor.

Cigna will not authorize diagnostic tests to determine what is wrong until I've been treated first. How can you treat something without a diagnosis? My neurologist has ordered an MRI but Cigna thinks all I need is physical therapy or painkillers. Meanwhile, my condition is getting worse. If you took your car to a mechanic, would you want him to just start replacing parts that he thinks might fix the problem, or would you want him to run some tests to get a proper diagnosis?

Almost impossible to get the prior price for even an annual check in advance. Agents are giving inconsistent information that contradicts each other. Bill, whatever they want without any logical explanation.

I’m sure this isn’t new since clearly there’s 1200+ 1 star reviews. But how do yall sleep at night lying and screwing people over? Have some standards of taking care of your customers. Thank God I no longer have y'all. Y'all claimed to cover 80% or up to the max of 1650. My bill was 2000 and I paid about 320 upfront. And then I get a letter in the mail saying I owed 320 again. So now I'm at 640 when the max should’ve been covered. They didn’t even want to pay 1/2 of it for simple dental work. The reviews speak for themselves. I pity anyone who has to have you for a provider. Oh and your customer service is trash too

I have been with Cigna True Choice for a few years. All of a sudden this year I'm paying $500 per month on prescriptions that I can't afford. When I spoke to Charles...a supervisor...he was condescending and didn't care or understood what I have been going through. He said all part D companies are the same. I can't afford my insulin and it makes absolutely no difference to them or him. After him repeating his answer to every question I had I hung up and have been fed up since. I would not recommend anyone with more than 2 prescriptions starting with Cigna.

I have an employee account with JPMC and my employer contribution is not showing up after 4 months. The representative on a phone is impossible to get. The chat representative is not helpful. I had to switch from Aetna to Cigna and I am so disgusted with the service.

Wished I could give this place a 0 star review, had my dental insurance through them, out of nowhere they stop taking out my auto pay payments then send me an email months after when it's too late to keep my insurance in good standing without paying for 4 months of premiums, do not waste your time with this place, customer service not one of them speak very good English.

This insurance sucks. I hurt myself at work, they called my employer talking about they need more proof that I went to the hospital after I hurt myself, like why would I lie about going to get check out after I hurt myself so I must wrote the doctor's note and signed the note to I hate this insurance. Do not get this insurance. They suck real bad

Updated on 05/15/2025: DO NOT ENROLL FOR CIGNA. I pay a monthly premium out of pocket to Cigna. It cost me more at Vision providers to use Cigna than if I don't use insurance. They don't answer the phone just the robot system to stall the call for 20 minutes, they don't have a person to email. One time my call was re-routed to Eyemed. Eyemed stated that it is the intent of Cigna not to pay for eye exams. I submitted a review on here previously, and was informed in a reply on here from Cigna that I should send an email to an unmanned account. The reply from the email stated to go to my member account for info. There was no message in my account instructing how to get in touch with a person. I will try to call Behnken at WFLA to better get the word out. The criminal CEO of Cigna and the Sr. officers should go to prison for insurance fraud. I welcome anyone from Cigna to contact me directly. Please Google Cigna customer service and read more about their fraudulent activity.

At the beginning of March 2025 I upgraded my plan from A and B to C D E. Vision, Hearing, and Dental. The plan includes Visa debt card of 100 dollars every three and a new Medicare number including a plan booklet. Plus, new Medicare number card too. I have Medicare and Medicaid. I received a letter you want my a copy of both Medicare and Medicaid number. This letter was around March 19, 2025. I mailed a copy of both on March 25 which you received a couple of days later. It was mailed to Nashville TN and Fax on that day March 25. This was to be received by April 9, 2025.

Wish I could leave 0 stars. Imagine having three auto immune diseases and multiple health complications and issues. Imagine three years ago you had BCBS health insurance and were on a amazing infusion for your arthritis, gut issues, and psoriasis. It had made you feel like a person again. You go move and go about your day. Then your husband's billion dollar company wants to use CIGNA. WORT MISTAKE THEY HAVE MADE. They completely took me off my infusion and would not cover it. They made me get on a NEW MEDICATION for a kick back I am sure, because we all know it still happens despite it being illegal. Then make me use a specialty pharmacy that SUCKS **. They delay, delay, delay, and take your money. DO NOT EVER USE CIGNA IF YOU HAVE HEALTH ISSUES. :)

The only reason I gave Cigna one star was because I could not rate them any lower. My benefits period begins in September and ends in August of the next year. Naturally my deductible begins in September. However, Cigna reset my deductible in January. In effect I am being charged a second deductible in one benefit period. At this point I would rather not have any insurance than what I have now. If you have Cigna find another insurance carrier.

Cigna is total crap, I would not recommend them. I am a diabetic and have been on Trulicity for the past year, my pre authorization expired and needed to be renewed and Cigna is denying it stating my records do not prove that I am a diabetic. I guess my diabetes just disappeared, I have missed 2 weeks of my shot. These people are playing with my health and could care less.

One of the most unprofessional and garbage insurance companies out there. Despite the fact that their claims "professionals" lack medical-related credentials or experience in the medical field, they all are somehow qualified to decide what prescribed medications and procedures are valid. Even in the face of years of documentation demonstrating medical necessity and need. Everyone should boycott this insurer. They do not deserve your business.

If you want to get coverage for things like MRI's and stuff that the doctors need to find out what is wrong with you, plan to wait, then get denied. Two doctors have requested an MRI because they can't tell from the CT scan what is wrong, but Cigna has refused to cover one ordered by my PCP, and are most likely about to deny one from my orthopedic doc. Never mind the pain since January. They don't care. Up until this ordeal began, I was very satisfied with Cigna. Now we will be looking elsewhere in December.

I changed employment and the company have Cigna. I pay for the most expensive plan, however Cigna is a joke!! It appears the company would rather for your health issues to decline and eventually cause death than to pay for treatment while padding their pockets. They deny most all pre-authorizations. I had Aetna/BCBS before changing employers and never had denials and issue I have with Cigna... they're trash!!! The representatives are rude and unprofessional as well. You get transferred from place to place with noisy backgrounds. One representative would not release my call so I could complete the survey. He stayed on the line not saying anything and disconnected my call after approximately 20 minutes. I called back to make a complaint and never heard anything. It's evident they don't care about the customer, only profiting off them.

Follow up claims it's impossible, no supervisors available, customer service has no skills at all, personnel is not well trained, has no knowledge of coverage, have to fight for 2 years to get paid. If it was possible I will give them 0

Have been severely limited by numbness, tingling, and pain throughout my lower back and leg. Otherwise healthy and in good shape 34 year old male. Currently can’t stand for longer than 4/5 minutes and can hardly walk, with frequently occurring pain spikes. Doctor said I needed an MRI, and it was denied due to wanting to take a “conservative approach”… how is it “conservative” to send me to PT WITHOUT INFORMATION on what is happening in a very sensitive part of the body? Obviously this is haphazard of them and it shows that they would rather have me be injured further than to have correct diagnostic treatment in order to make sure I don’t exacerbate the issue. The “standard process” is to try to have PT done for 3 months- when I currently can’t even drive or put on shoes or barely get dressed to get to PT.

Yea so…. They've changed where my meds get filled several times THIS YEAR. And they wouldn't help me until today, I have been fighting with them for weeks over this. They say, "Oh we opt you into here every year," and this year they wouldn’t let me opt out, no matter what number I called. If I could give 0 stars I would, genuinely the most frustrating insurance company ever.

Never wants to pay for your medications, Cigna steals your money. Never wants to pay for your medications The doctor prescribes you and Cigna denies them. This has happened to me with more than 5 medications. I will never choose this company again or I recommend it to friends or family, they just want your money....

My husband got a new job this year and with it came Cigna insurance. His deductibles and coverage looked so good and I was excited. Fast forward to today 04.14.2024. I have an MRI of my brain scheduled tomorrow. I was diagnosed with brain cancer 6 years ago and I have to have yearly scans to make sure that I am still good. Well Cigna has this idiotic policy that you have to use outpatient imaging centers for all advanced imaging. The problem with me is that I need to have perfusion with my MRI. None of the outpatient imaging centers offer that here. Also, you should always have contrasted MRI's in a place where, in the event of an anaphylactic reaction to the contrast, they can save your life. Outpatient facilities cannot do that. I received a call this morning stating that Cigna approved my MRI but they are pending the facility and it could take up to 15 calendar days for the "medical director" to review. My MRI is TOMORROW.

There was a lot of damage during Hurricane Milton in The Southeastern Region. Some people from Texas needed a lot of assistance due to their negligence. Injuries and property damage were simultaneous. Cigna was there to help with the accident victims.

FSA account suspended due to dental bill. I attempted to use website to reconcile with no luck so I sent in a small $54 check to get my account reopened. They cashed my check on 3/25/25 and I was told it would take about 5-10 business days. After 11 days, I contacted Cigna and was just given the run around. No one could tell me why they cashed my check but had not reconciled by the max 10 days per their policy. I am now on another 72 business hour waiting period with very little confidence anything will happen. Even though I know my dental procedure was covered, I sent in the check just so I could have access to my funds. This type of customer service is unacceptable and unethical. To be fair, Cigna has been a great insurance provider thus far but actions to rectify one small claim is so petty and ridiculous I am questioning what kind of company they really are. Consumer beware when dealing with this company.

Seriously Cigna??!! Deny Deny Deny…. Is that all your AI System is programmed to spit out?? I have several serious health issues and a family history of death due to aneurysm but Cigna keeps denying my doctor's request for MRI & CT scans! I thought your focus was preventative care…. Does that mean you’re hoping we die so you won’t have to pay claims?? This is absolutely CRIMINAL!!!

This insurance company is part of the entire problem in our country. This company forces you to pick between getting dental, medical or eye care. I cannot afford to get it all done. This company controls conversations I have with my doctor by charging me more money. This company's CEO pockets millions while those of us that fund them can't afford proper medical care. My fiance is an Iraq Airforce Veteran & racked up thousands in medical bills through this scam insurance company.

I made my first pharmacy claim today (Medicare Part D) and was shocked and dismayed to find that they did not cover two very mainstream respiratory drugs that were never an issue with my prior carrier. Further, it turned out they dropped CVS as a preferred at some point, leading me not only to not have those drugs covered, but to pay twice what I had to for the third prescription that, saints be praised, they DID cover. So I got hit both ways with a very expensive tab, and found myself wondering why I have the plan if that’s going to be the vibe.

This insurance is basically a scam. They don't cover anything. I needed to see a cardiologist. I called in advance to see if they would cover it. They told me I would have to provide all the billing codes for what the cardiologist was going to do (how the heck am I supposed to know that?!). 6 months later and I get a $2,000 bill because apparently Cigna would rather their customers just die instead of getting the care they need. Nice.

Make sure you document and record all calls and communication when dealing with Cigna. They will use every tactic including lying to delay and or to deny your claim. Cigna has a practice of acting in bad faith.

My son is diabetic, had blue cross and new job brought me to Cigna... They won't cover ** so they changed it. Since then 911 has been called several times. It's been 2 years and numbers are still not right, when they was perfect with **. I pay a lot for insurance, but now I get little sleep making sure my child don't die. This makes no sense other than money going into certain pockets. I hope Trump fixes this too, I don't wanna bury my child over insurance not covering what works.... No care with this, all about money, no care.

Absolutely the worse insurance, My doctor recommended a MRI and my right shoulder as therapy has not helped, some days I can barely lift my hand. Can't even sleep on that side and is in pain everyday all day. Cigna denied my MRI stating it wasn't necessary. I am righthanded. They seen where I was in therapy.

I checked prices for ** 0.05% Eye Drop 5ml at Cigna Healthcare. How can it be that ** 0.05% Eye Drop 5ml costs at Rite Aids (PREFERRED!!!) $175.18, at Walgreens (PREFERRED!!!) $140.77, at ABC Drugs $95, at Borbas Pharmacy $48, at Express Script Home Delivery Pharmacy $23.92?! What is Cigna’s meaning of the word “PREFERRED” regarding those prices?

Illegal activity is rampant here! They deny coverage they already approved months after the visit and for a general wellness check visit which per my policy is 100% covered! They then try to lie their way through it by saying it’s due to coordinating of benefits because my child has Medicaid prior! She’d been off Medicaid 5 months prior to the visit they rejected coverage for so that’s completely false & even when on Medicaid they’re still supposed to cover what Medicaid doesn’t because she’s a child with disabilities which means they can’t deny coverage for her under the American disabilities act for children

I am getting ready to lose my toe, I haven't seen wound care in 3 weeks because they are out of Network so the internet work person refuses to see me because the last time I had a wound he was unable to fix it and I saw him for over a year so of course he doesn't want to see me again because he wasn't able to fix it the last time and I ended up having to go to see somebody else. I almost lost my whole left foot so I do have neuropathy and so when I do get injured on my foot it just becomes a huge issue. Now they won't help me do anything.

Cigna's process is to deny claims first. All of them. Pharmacy? Deny. Medical? Deny. They also use AI to process claims. That should be illegal. Contact your elected officials and demand that the healthcare industry NOT use AI in any of its systems. I pay over $500 a month for crappy insurance that I cannot use because they deny first. They plan it this. People are so tired and frustrated they are willing to just be sick and feel bad rather than deal with these awful insurance companies.

I have the misfortune of having this absolutely horrible insurance company, they do not cover anything, and to Cigna… don’t bother with your crappy scripted response claiming how sorry you are for the horrible coverage you don’t provide, you aren’t sorry, you don’t care, and you are literally the worst insurance company I have ever had the misfortune of being placed on. No coverage hope HRT. I will be contacting BBB, FTC and anyone else I can think of.

My echocardiogram would cost me $1500. Guess my heart doesn’t get the care it needs because I’m a normal person without $1500 just sitting around. Liver isn’t important either. Fibroscan would also be $1500. Treatment to help with my skin cancer/precancer $1500. Wegovy $1500+.

Hospital made us pay upfront for surgery after my wife went to the ER. We met our deductible with the Surgery, but have to pay $1,100.00 for the ER visit. Our individual deductible is supposed to be $1,250, but we paid $1,500 for the Surgery and $1,100 for the ER. Fraud, worst insurance ever.

The worst health insurance I have ever had. They do not want to cover anything, and what they do cover they want to be specific name brands of prescription drugs purchased only through specific pharmacies of their choice. There is a very obvious agenda to what they want you to buy and where, and it completely undermines patient/doctor treatment plans. Everything is a fight, and is directed towards lining their pocket. At least their customer service staff is nice.

There comes a point in history when shamelessness becomes law and fraud becomes the norm A point where institutions stop pretending to be humane and fully surrender to the logic of plunder. Cigna has crossed that point. What this insurance company has built is not a healthcare service. It is a machinery of extraction, a mathematical equation where every variable is designed to maximize profitability at the expense of human suffering. A business model where illness is not a problem to be solved, but a resource to be exploited. Since December, Cigna has taken $80 from each of my paychecks under the promise of covering generic medications and lab tests. Not because they care about their policyholders, but because each signed policy is another entry on their revenue sheet.

I had Cigna Insurance and paid high premium for this insurance. As long as you're healthy. They will continue to keep you on and take your money the minute you have health issues they drop you like a hot pancake., I was diagnosed with cancer. They approved procedures and we went ahead with treatment about a month or two and two treatment. They decided to tell me they think that I should have known about my cancer before I had taken the insurance out, which is Ludacris because I had no idea I had cancer. Now they have reversed all the bills onto me tens of thousands of dollars that I cannot pay because I'm out of work because of cancer treatment. Do yourself a favor and look for other insurance companies. This one is definitely a scam.

My wife got cancer and the chemo about killed her. She has lost the ability to walk or get up on her own. Had to go to a skilled nursing facility and they did not give her much time at all with physical therapy. Go to hospital and back to skilled nursing facility and can't weight bare due to surgery or get out of bed and the cut off paying again. This insurance company has not heart or comparison. Obama screwed us all when he started Obama care and let insurance company's double the premiums. I wish this happens to their loved ones and have to see what I have to deal with. They said we could appeal and I said cool but I have to get the doctor to do that I can't do it myself. Run from Cigna. This insurance is crap and then when they have to pay money out you are screwed.

I was on the phone with CIGNA drug representatives for 47+ minutes with about 20 minutes on hold. NOTHING WAS ACCOMPLISHED. Cigna sent a cryptic note to the pharmacy rejecting the doctors prescription. I was constantly told I needed doctors approval to get less than what the doctor authorized even though my plan approved the amount less than the prescription. The discussion with Cigna's representatives was frustrating, and repetitive with no solution. I am very disappointed, especially knowing I need to deal with them for the rest of the year, 9 months. Excuse typos. Fat fingers.

Unfortunately I had to enroll in Cigna coverage. Every medication my family needs is not covered or not approved. I was forced to go back and forth to try to get the coverage prescribed by my DOCTOR and all I did was grow frustrated and waste my time. The next job I will ask who their insurance provider is before taking the job.

This insurance company is harmful. I waited a month for my medication to be approved via prior auth. My doctor’s office and myself were calling every week. We had to place an appeal. I went a month without a medication I needed to manage a medical condition that I had surgery for last year. I’m in so much pain. My legs are numb because I had to go a month without the medication I needed that was indicated for management of my medical condition: reviewed and approved by my surgeon. I’m in pain because this insurance company thought that there was a “better” medication it wanted me to “trial first”. What’s comical is that the medication they wanted me to try was trialed and failed. This insurance company doesn’t care about you nor your well-being. I called and got transferred left and right. My medical condition is worse due to going without the medication I needed and I am in pain because of this insurance company.

Cigna is a joke! The website won't allow you to upload any document bigger than 45 kb's! When I called in after NEVER hearing anything about a claim made 3 months ago customer service said they weren't able to read the documents- yet they could read the one that was missing the diagnosis code. Weird that the only one they could read was uploaded by mistake, but they weren't able to read the ones that had all the necessary info and that had been re-sized the same exact way the one without the diagnosis code! Then I go to write them an email and they don't allow e-mails with 30 or more characters. Insurance is truly a joke. A fraudulent system. Take our money monthly, but provide NO service for our payments. Pathetic.

All they want to do is push Cheap Chinese drugs down your throat. Diabetic drugs that work and are good for you they won't cover hardly any of it. They are crooks. And you pay a lot. If you're diabetic you are in trouble. They don't care at all.

Needed a CT, Cigna said they needed more info from my Dr. My Dr. said they immediately sent all info when requested. Because it was fairly urgent, I had to pay cash in spite of paying over $1200/mo to Cigna. I asked Cigna what info they needed and they wouldn't disclose it. They were going to reach back out to doctor each time (4-5 calls starting all over from the beginning each time). No action. I have now spent at least 20 hours on ignore with Cigna and each time they say they'll contact Dr. for the info, but they don't, and leave claim in a pending status. Today, after spending the aforementioned, 20 hours on hold, they say they don't have any claim for CT. I said "it really seems like you guys are trying to wear me down so I'll give up and you won't have to pay." Crickets on the line. RUN FROM CIGNA.

So tired of long-winded recordings to get to a live person! So tired of being re-transferred multiple times to different people because the prior person has no idea who to connect the customer to! So tired of not being able to understand the person I'm speaking to because of heavily-accented English or a person with speech impediments! How is a customer supposed to get anything answered when they call?

Worst insurance ever. Been waiting 5 months to get claims. Paid my doctors. Won't even see me because they refuse to do their job. If you have a choice do not go with Cigna. Unfortunately mine is through my employer.

This insurance is the worst we have ever had. My wife needs meniscus surgery on her knee and can’t hardly walk without the surgery. We have jumped through all the hoops they have asked for. They are denying her surgery again. We are not sure what to do. Cigna has got to be the worst insurance company we have ever had!!

They call me every day during the week sometimes two to three times a day. They are constantly trying to sell me something, it is constant. I have asked them many times to stop calling me. I have asked to speak to a supervisor & was told it would take 2 -3 days maybe more before I can speak to a supervisor or to someone in charge. I was told it is a call center that is calling to sell you additional products. I asked to speak to someone from Cigna who is in charge & was told that is not possible. I asked to close my account & was told that is not possible unless I fill out forms & sent through the mail. This is the worst company & I would never, ever recommend it to anyone even if it was the last healthcare provider in the world!

I had a terrible experience with Cigna insurance. In May 2024, I visited an urgent care facility, which mistakenly submitted my claim using my previous Cigna ID number from 2023. Due to this mismatch, Cigna rejected the claim. In November 2024, I personally filed an appeal through MyCigna, requesting Cigna to process the claim under the correct information.

I had someone commit fraud and took out insurance through Cigna. For months I have been calling Cigna and the Federal Market Place to get it resolved. It was proven that it was Fraud and Cigna is not providing me my resolution letter that I have requested to give to my insurance company. They stated I have to call Federal Marketplace. When I told them I have and I have kept a very detailed journal of all my calls and that I needed to get the resolution letter for Cigna (as they were the insurance company for this fraud case) they again told me to contact the Federal Market Place. When I told them to 3 way call so we both could be on the phone with Federal Marketplace they transferred me and then hung up. This company is horrible. Especially when dealing with a Fraud case. BEWARE!

Selected Cigna because the website indicated my current providers were in network. My premium went up significantly but I'd had a similar problem with the plan the previous year and wanted to be sure I could see my local physicians. After going to my doctor for a annual wellness visit I had to pay $600 out of pocket for a mammogram and doctor's visit because they are not in fact in Network. Cigna claims that I needed to verify that all my providers are in network prior to making an appointment even though the website clearly indicates they are in network. This is false advertising and it appears they are keeping physicians on their plans after they've dropped off to make their coverage look better. I don't know where or in what other setting this would be acceptable or even legal.

To approved one of my medications prescribed by my pcp, Cigna wants to force me to enroll with a company called Omada. This company has many terrible reviews in the web, with many similar stories like mine. I was getting this medication up to December of last year, and contacted Cigna to inquired why the medication was now being denied. They said this year is not longer cover by your plan, which is exactly the same plan through my employer as the previous year. Not use to advice to stay away from Cigna, since most of these companies operate the same way.

I am a healthy 50 year old female. Recently I discovered that I have a tumor in my leg that is growing larger. Cigna has denied a MRI twice. This is needed in order to decide the next step. Horrible company.

Cigna Does not care about you as the patient. They only care about their bottom line. I live in North west Ohio and we really only have Two health care systems in this area. Cigna and Promedica Have broken ties with one another because cigna said they are charging 5 to 10 time more than other providers and now magically they are now saying the something about Mercy health and it is only a matter of time before the same thing happens. So now I am stuck with Having to go to A voodoo witch doctor quack with no network or resources for major medical issues. Thanks cigna for looking out for your customers. Ohh sorry you're Money Bags.

I spend a lot of money on my insurance through my job and I hate every part of that insurance. Dear God if I can find anything better that will actually cover my prescriptions and help me get healthy then I will take it. When you're on the phone with their customer care and they put you on with a pharmacist and nobody can help you out everybody tells you you're on your own. You really know that you're paying for nothing. I hate Cigna insurance with every ounce of my being. I hope your company goes under and those that made the policy decisions to get exactly everything they deserve on this world and the afterlife.

Cigna is awful. They reject claims like a simple ultrasound and its states its covered by my insurance. Then the clinic sends us bills and threatened us to send to collections if we don't pay. We appeal with cigna even send them letters and appeal. They are awful. I hope they go outta business.

Don’t waste your time using the phone doctor, they can’t order any labs, I was told I probably have the flu and to wait two days, if I don’t feel better, see another doctor that CAN order a blood test!! What a joke and waste of money,

Just switched to Cigna and have had a horrible experience. They don’t cover anything and routine doctor visits could be denied coverage. They have gone over and above to save money and make your life hard.

I have been trying to have my ID cards updated on the mycigna.com website for almost two weeks. I am currently on hold waiting to speak with a supervisor from the web support team. I've already spoken to three other people on this phone call which has lasted over an hour. This is my third phone call in the last 11 days trying to get this issue resolved. Over the course of that time, I've spoken to no less than nine representatives. Each time I finally reach web support, I'm told that the system will update in the next three business days and to check back then. But that has yet to happen.

My Wife and I have been with Cigna for two months now thru Her work and unfortunately it hasn’t been great. We pay over $400 out of pocket a month and We are still seeing bills from our Dr’s out of pocket. The deductible are high and when I need medications that I have been on for years thru other insurance companies they have denied me. I need these meds and they are telling me they don’t see any indication that I need them. They obviously don’t do much research and just deny Me. Our medical system is so expensive and doesn’t work so well anymore.

Updated on 03/07/2025: If you are given a choice by your employer between insurance companies, please do not choose CIGNA. I have been on many insurance plans through my husband‘s employer, and CIGNA has been the most difficult to work with. They deny treatment and medications. They deny coverage for ongoing conditions which other insurance paid for. Unfortunately, when they deny claims, this makes more work for physicians and consumers. They recently denied my infusions which other insurance companies paid for. I believe it is against the law to deny medical procedures for ongoing conditions and CIGNA did just that.

I am a Registered Nurse and I am very disappointed with Cigna as a patient. I been having hip pain for 2 years and since December 2024 a great deal of pain and CIGNA denied the MRI of the hip that orthopedist ordered. CIGNA wants me suffer 6 more week before they authorized the measly MRI. Cigna is HORRIBLE! Blue Cross is better.

This year Cigna made a slight and devious change to Pharmacy coverage in the fine print. If you look closely they removed an asterisk on pharmacy coverage from last year to this year. *They used to pay a portion for many common prescription drugs, in 2025, they pay NOTHING for any drugs until you meet your deductible! My example is for an Asthma drug which went from $30 in 2024 to $400 in 2025 (until I buy $4000.0 of drugs). Very sneaky, just like you would expect from Cigna!

Losing use of a limb isn't considered medically important. Because the insurance refuses to cover an MRI for surgery. I think I should seek legal assistance. Please if you are needing medical insurance save yourself some major grief and money. This is not worth it.

Cigna uses the worst rated specialty pharmacy, my cancer drugs are negatively affected in processing and receiving them on time, obviously a cost cutting measure, makes sense worst rated ins. co. going with the worst rated specialty pharmacy, money over health of patients, so sad

I have Cigna HMO with my job, never used Cigna prior. I have had active insurance since November 2024 and have not been able to find a provider. The insurance I chose requires you to choose a PCP before you can be seen, and requires referrals for any other appointments. I am a cancer survivor and am unable I get seen by an oncologist because of this, and I'm at risk of losing my job because I am unable to get a medical accommodation I need for asthma and chronic illness. This is the worst experience I have ever had and am going to talk to my job to see if I can cancel my insurance.

I have not had the same experience as all the complaining people on the reviews. I’ve had a great experience with this insurance so far for the last year. I just relocated and hope nothing will change my view on them. Every single customer service person was TOP tier with our conversations. I’m not an easy going customer at times but they all had a soothing comforting voices! Not just one of them but ALL OF THEM spoke to me pleasantly and I really appreciate that. It wasn’t fake either, these people were genuine. 💖💖💖

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.