Cigna Health Insurance Reviews

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Would give a "0" if I could. Purchased an expensive plan which was a complete waste of money. Quick to deny and doesn't pay for even standard things. Worst decision to go with them. Wish I had read the reviews.

They have been terrible! Won’t cover my migraine med that I’ve been on for years. My mom has had mini strokes with her migraines and mine are just as bad as hers. It’s seriously a crime. I hope they pay for my hospital visits.

Worst insurance ever! I wouldn't get or even bother looking into. Their plans are high with such little coverage, not worth it. Customer was great and helped out well. Is the fact you pay so much for a plan that you basically get nothing cover.

I wish I could put zero stars. Worst insurance. Very hard to work with. I don’t know if they just never keep records of previous phone calls, if they just really want to keep you on the phone for an hour minimum, but I feel like I am giving the SAME EXACT information every single time I get on the phone MULTIPLE TIMES in the same call. I gave birth and wanted my son on the same policy and it took 6 months to finally get him sort of added on there. Call after call about ADDING A NAME onto the policy. I don’t understand how hard that could be. But now, almost a YEAR after he was born, and many MANY phone calls, I am still having problems with having him on the policy correctly. I don’t know if it’s the incompetence of the company or the workers themselves but this is ridiculous.

Terrible and unethical. It took them a year to payback my over paid premiums. Then they wanted me to do all the work to get my money back. So I called the state insurance commission. Got all my money back very fast. I was surprised!

So tired of being a number, now to add insult to injury, Cigna has forced me from a PPO to a HMO by changing its prices. In September moved to TN and agent put me on PPO with OTC $125 and Specialist $40 but for January 2025 no more OTC and $40 for specialist. Well Covid on life support left me needing Vitamins and OTCs plus I see specialist monthly. But the biggest insult is go HMO and get $15 specialists but only $40 OTC and keep doctors but then find out my best friend in another town on exact same insurance gets $5 specialist and $95 for OTC and she lives in small town also. So sick of this and now searching again after being here 4 month for 3rd time for suitable insurance. This is a terrible way for seniors to be treated. Where are our senators that preach they'll take care of us who have worked 50+ years.

As if paying almost $900 per month for the insurance isn’t bad enough, you are constantly receiving bills for everything. I have been dealing with the same issues for a year now and my most recent disappointment is over the top. Earlier in the year I needed an MRI and because I had not met my deductible I was unable to pay such a large amount out of pocket. I’ve just been dealing with the pain, but now I need another MRI on a different part of my body, I have met my deductible and guess what…DENIED!

Two years I've wasted thousands of dollars for healthcare insurance to be met with nothing but thousands of dollars in debt thanks to their refusal to cover any life saving procedures that is made evident is necessary to survival amongst multiple doctors. I'm being refused the healthcare I need due to the worst insurance I've ever wasted a penny on denying me any and all treatment required in order to heal and survive. I cannot work due to my chronic health issues, and the multitude of doctors, specialists, procedures required to find myself help and Cigna wants to refuse and deny ALL OF IT.

I've been going back and forth with Cigna over a mistake they made with reimbursing me for a service for over a year now. I finally got someone who was able to have them reprocess the claim only for the claim to not be paid out at all because it was "not received in the time limits based on the contract with the provider." Perhaps if they had reprocessed it when I contacted them the first time (which was within 30 days of the issue being discovered), I wouldn't have this problem. But they didn't. Instead, I had agents tell me over and over when I called monthly that they'd sort it and then they would leave it to rot on the floor. I wouldn't recommend this insurance company at all. It's so much headache and runaround when you need to speak with them. You're better off with a different company.

Cigna, you are a huge disappointment. We spend hundreds of dollars every month to you. Even if we don’t use it, gotta pay you. My husband requires surgery on his knee. You claim it’s just a pain issue. You haven’t seen him. The doctor and surgeon have. A torn ACL and torn meniscus require surgery, NOT 8 months of rehab. It’s a shame you have denied the surgery. He is NOT working, and can’t return to work until it is fixed. It’s been well over a month. This is a horrible decision on your part.

Cigna Healthcare Medicare Advantage is not what I had hoped it would be and I’m switching to another provider. I am a healthy person but I found that even getting help with general issues is hard. I had a mammogram done and it is supposed to be entirely covered. I called Cigna to make sure the center was covered and was told it was. After the examination, I am getting an out of network expense which is entirely incorrect. I called twice and was told it would be corrected but it never was. I’ve had enough. They are also saying I owe for other out of network expenses for tests that were conducted by an in network doctor, which I had no control over. Never again.

Today I spoke to Marisa at customer service and she blamed everyone else about our billing and claims. We've paid thousands of dollars over our deductible because claims are being processed months later. When you're dealing with radiation and chemo you don't always know what is going on. It's sad for seniors when this happens. Cigna needs to see things for the right of the customer. We would never use them again! I am writing this on behalf of my husband Steve.

Cigna part d medical plan = high costs...very poor customer service...cigna service reps are completely indifferent to your questions and needs. When I call cigna I get transferred several times to different people and sometimes they just hang up on me. The whole encounter with cigna has been extremely frustrating. I would never recommend this company to anyone.

What the Hell.... New insurance program is scary, can't get a straight answer for a prescription payment plan, and you get someone from another country that is impossible to understand. Getting screwed on **.... Who can afford it? And PLEASE get me some ENGLISH speaking representative!!!!

Cigna is the most vile, disgusting, predatory insurance company I have ever had. It has been the catalyst for me to leave a 10 year career with a company that uses them as their employee insurance. They made a single+spouse high deductible plan increase by nearly SEVENTY FIVE PERCENT this coming year (2025). Absolutely unacceptable and predatory. Cigna preys on working class people while raking in profits that would floor you. Shame on them. Shame. Avoid any employer that uses Cigna as their health insurance offer to their employees.

I was on a Cigna Plan where out of pocket reimbursement was set to 110% of Medicare. This was for my child who needed therapy. When I put my first claim into Cigna, they reimbursed me at $98.44 per hour (actual out of pocket cost was significantly higher). When I put my second and subsequent claims into Cigna, they dropped the reimbursement rate to $64.06 per hour. Cigna's response was that the maximum reimbursable charge for my initial claim was determined by Data iSight - a company contracted by Cigna - and only they could help me. However, when I spoke with Data iSight, they told me the rate was ultimately determined by Cigna.

Firstly, I have been struggling since June to have Cigna pay a claim for a pre approved procedure. It continues to be denied despite being pre approved. Secondly, when you call customer service you will speak to an associate. You will receive a different answer from each one each time you call. You will receive a reference number and told that the claim will be processed in 5-10 days. This is not true at all. You will be strung along and will be, as I am, still awaiting the claim to be paid. All the meanwhile you will be sent outrageous hospital bills. Thirdly, you will be lost and alone trying to deal with Cigna. DO NOT TRUST CIGNA!!!

I was injured by the Covid JJ vax, traveled all over the country and Europe to be diagnosed with a rare connective tissue disease test produces angiolipomas all over the body which started in my left arm after the vaccine. My biggest complaint are my arms, my doctor recommends therapy weekly to help with inflammation, pain and lymphatic swelling yet Cigna continues to deny therapy because they do not have ICD codes for my illness, they continue to box my illness in generic categories that don’t apply.

Cigna decided that, despite a doctor's diagnosis of Type 2 Diabetes per blood panels and testing 10 years ago, and subsequent doctors maintaining active care, Cigna decided I'm not diabetic anymore, despite recent panels proving otherwise. "Nope, medicines not covered. You're not diabetic. Sorry 'bout your luck." It feels deliberate. Stay away from Cigna!

Cigna covers only very basic procedures and they will fight you over $50. They are the absolute worst insurance company I've ever dealt with. They only want money, they don't care about people and I'm done paying them. I would rather have no insurance than deal with Cigna. They will rip you off.

Despite having a Guarantee of Payment from the company, we are over 4 months still waiting on them to pay a bill. Multiple, upon multiple emails have been sent - all with responses saying "Please give us 5 business days..." Calling does not help either. So my question is, what's the point of submitting all of the paperwork ahead of time to Get the "Guarantee of Payment" from them, if they're still not going to pay (on time or at all)??!! Ridiculous. I have NEVER had this experience with any other insurance company before.

This has been the most frustrating experience ever trying to get prescriptions filled. I have spent over 10 hours going back and forth with Cigna, Doctors and pharmacy to get maintenance prescriptions that I have been taking for years approved. I would not recommend this company to anyone looking for insurance

Worst customer service imaginable. I have been trying to cancel my policy for months and it's impossible to speak to anyone. They email saying 'the team will reach out' and they never do but continue to take premiums. I WISH I HAD SEEN THESE REVIEWS FIRST. Cigna are clearly not reputable. I have never seen this many bad reviews in my life. Disgusting company with zero morals from what I can see. DO NOT USE. I wonder if this might get their attention.

I currently pay $70 weekly from my paycheck through my employer for Cigna Insurance. With this insurance I am lucky enough to be able to pay $330.67 and $248.47 for office visits for necessary appointments with my endocrinologist just to survive. I also am lucky enough to be able to pay $800 for bloodwork and $70 monthly for my prescription. This insurance is GARBAGE and a SCAM. They don't save you any money and instead try and find every penny they can possibly STEAL from you. Insane.

Having a daughter with special medical needs, Cigna is an awful place to go. They require specialty medications to be provided through Accredo, and you will find no worse customer service. Hours and hours on the phone. Wrong costs. Lost paper trails. Overbilling. And Cigna tells you there is nothing you can do because that is who they contract with. I understand it's a business, and will always support that. But locking people in to a horrible customer/medical situation due to a bottom line is unacceptable.

If I could give this company zero stars I would. I gone through several insurance companies through work and this is the worst company I ever experienced. We had to wait several months to get our HSA money, I guess this is a common problem that many people have experienced! This insurance barely covers anything and I'm paying for their best and most expensive insurance plan that they offer! After the new year, we are switching, so I don't go into medical debt over this terrible insurance company! Worst experience ever!!!!! Highly highly highly Don't recommend!

Be prepared for long hold times when you call. I called with questions about my dental policy. Representatives were unable to answer questions or forward me to anyone who could help. They just want your money. I wish I would have picked another dental insurance provider!

I have never had such challenges simply getting an Rx approved. Medications considered to be chronic are auto-forced into their “90 Day Fill” clause; making it extremely difficult to get monthly refills on medications that are frequently changing due to trials, etc. I’ve been told several conflicting things multiple times; it’s exhausting. Every time I need a refill of any 30 day Rx, I have to call Cigna for their approval first.. I understand the benefit behind health insurance, but the industry having a chokehold over doctors and patients is overreaching at this point. I call in & approve prescriptions all day and have never had this much trouble.

Updated on 11/27/2024: Prior to my surgery I had no problem getting physical therapy sessions, since surgery it has been a battle. They keep denying what the therapist requests. They ask for 8, I get 6. This has been going on every month. We will make progress only to have stop until I can get more approved sessions. I have been dealing with this now for over 4 months. It doesn’t matter how much I call. It is still the same.

Cigna will not apply the amount you paid the doctor to help with your deductible until they close the case and pays the doctor. Your out of pocket money means nothing to them. They haven’t paid the doctor going on 2 months. Worst healthcare provider I ever had.

If I could give zero stars I would. Signed up for this insurance company and learned it is a huge waste of my time and money. Went to the chiropractor for severe back pain. It started to hinder my work day to the point that sitting too long at my desk made it unbearable. Went to an in network clinic to find out my insurance won't cover any of it. What a waste. The clinic even told me they have never seen this before and they are a preferred Cigna provider.

Prior to selecting Cigna my husband and I called to confirm that our special Infusion for Severe Rheumatoid and Multiple Sclerosis was an approved medication through Cigna. We were told yes. Since September 26, I have been bedridden waiting for the medical review of my infusion to be processed and approved so I can resume my Infusions. But every time I call it’s pending. Sitting on the medical reviewer's desk for a second review. I nor my doctor have been able to make any progress with the reviewer. Meanwhile, I risk losing my new job through which I got the Cigna because I’m unable to perform normally.

Customer service is the worst! It took me almost an hour just to cancel the plan. The basic dental plan is useless because it doesn't cover full x-rays and dentists will not do a cleaning without full x-rays.

Cigna reached out and we worked out a resolution that was satisfactory to both sides.

Cigna is the worst insurance company. If you got hired for a job, if there’s only Cigna the company insurance? Quit and find another job. Cigna charge for mammogram. Customer service is horrible. I would never apply to Cigna health insurance again.

Cigna needs to provide a HRA debit card. It is a hassle to have my personal debit card on file at certain companies, it gets charged, and then I have to be the middleman back and forth between Cigna and the company charging me until I get a refund. It took me a month to get one refund, and the call times are always super long. I was on hold for 40 minutes the other day. I cannot imagine doing this every single time my debit card gets charged. When I talk to a Cigna representative, they say that they can do nothing to help me and that I am going to have to continue to keep calling every single time my debit card is charged. This is ridiculous.

I have Cigna Health insurance and Cigna Hospital Indemnity insurance through my employer. My daughter is covered under both policies and we were unfortunately in the hospital earlier this year for 3 days after an emergency room visit. My plan benefits booklet states that all services rendered as part of an emergency room visit are covered, and the 500$ copay is waved is the ER leads to an inpatient admission. I will have to pay over 900$, for the whole stay after spending on the phone with cigna for over 15 hours in total. They don't follow up, they promise they call to providers and they don't, they don't keep a record of calls, or if they do, they ignore them if the conclusion is that Cigna has to pay.

I’m a recent transplant patient and have been on the same drugs for 10 months. We just switched to Cigna for work and now they have denied two of my drugs and won’t even let me pick up a generic tier 1 drug at a local pharmacy. They want to send it to a specialty pharmacy that only does mail order and has a five day turn around when I can go to a local pharmacy and pay the same generic price and pick up same day. Horrible!!

Horrible provider. I have been fighting since May (It's Oct now) to replace my sleep apnea device. I have had sleep apnea for over ten years and Cigna basically made me start over from scratch. First, my provider info was not available through the whole month of June. Then I finally get my doctor to order an at home study, I had to pay out of pocket because I hadn't hit my deductible. Results were severe sleep apnea (duh). So then I get ordered an overnight study at a sleep center. Cigna then denies the order because there isn't enough proof that I need one, but they won't cover a cpap without it. So now I might as well die so they can't take anymore of my money and not provide the services that I paid for.

Really no stars for Cigna. They use EviCore to review your doctor's MRI requests. The EviCore doctor behind the desk does not have access to your full medical history. I've had two doctors make two different MRI requests. Both were denied. Apparently, my doctors don't know what tests are necessary in order to make a correct diagnosis. In both cases, Cigna's/EviCore's MD required pain meds, PT x 6 weeks or steroids within the past three months even though these treatments currently and/or intermittently over the past six years have proven unsuccessful.

The IT person I worked with was great, but I spent way too long on the phone trying to get a letter of termination of benefits electronically so I can sign up for new benefits after my husband got a new job and I lost benefits: Cigna is antiquated and won't send it to your regular email, everything has to go to a portal, my email was never set up and despite the IT person helping me and doing her best, never worked. I don't have time for snail mail. Do better.

I have a Medicare Supplement account with them, and they are on the verge of sending me in to a mental breakdown with their high costs. Without fail, the premiums go up by 30 bucks a month every year, and being on SSDI, I can't just make that money up somewhere. But, because I am in a state (MN) where I can't switch supplement companies without a medical review (meaning I would be denied if I tried to switch), I am stuck with them forever basically. So, they can charge me whatever they want and there is nothing I can do about it. I am at almost 300 bucks a month at this point in time. At what point is enough money enough for these companies? They talk about how your mental and physical health is our #1 priority, but at the same time they rake you over the coals with the rising costs. There needs to be a cap put on these type of premiums, at some point nobody is going to be able to afford them. Avoid Cigna at all costs is all I can say.

Today I spoke with a representative from Cigna named Amber. I am so sad I didn’t get her last name. But she was aiding in changing my insurance information on the site since Cigna is my secondary insurance. I’m located in Chicago and she called Rush Billing department for me because they weren’t processing my bill correctly! She was able to get it all handled and fixed! I’ve called Cigna many times in regards to this one particular bill. They have all been super helpful! BUT AMBER, went above and beyond!

I am a nurse and have worked for a subsidiary of Cigna for the past 3 years, thus have Cigna Insurance. I've been in the healthcare industry for over 30 years. I've NEVER experienced the numerous denials and delays as I have with Cigna Insurance. I've even thought about quitting my job to work somewhere with decent health insurance! I've been trying to get an MRI of my lower back because of excruciating pain in my lower back traveling down to my left buttock, left leg and foot, for almost a year now! I've gone to an orthopedic surgeon that "ordered" and MRI, only with this response: October 24, 2023 11:46 a.m. Cigna partners with eviCore. eviCore reviews diagnostic services to determine if they are medically necessary...." The service you requested is not covered!"

I stay in-network for Cigna insurance and it's always SO expensive. I their cigna urgent care, their cigna primary care buildings and the care is sub par, you're lucky if you get 20 minutes with a doctor, let alone a hour. Their urgent care misdiagnosed me, their primary care charges per concern, so if I have issues with fatigue, that's 1 concern and required a full appointment only dedicated to it, which means you will have to spend $250 per visit.

Cigna used to be the best health insurance company. I don't know what happened internally, but now they've gone Woke and they are TERRIBLE!!!! I have called several times about claims that have been unpaid and they give me the run around on the phone. A good example is today. I called about the CPAP supplies bill I received of $126.09. I asked the Cigna rep on the phone why I was receiving this bill. She said Cigna had not paid the provider yet and I would have to pay 20 percent. Well, that comes to $103, not $126. She said that Aerocare Adapthealth is out of network and that's why I was being charged 45 percent. After hanging up I looked on the Cigna website for an in-network provider for respiratory supplies and Aerocare Adapthealth is listed as an in-network provider.

Cigna need to be put out of business because they claim they lost my labs for the wellness screening for 1000 points so I did it again at another lab in my area through MD Live and now that they been got the second labs numerous of supervisor and associates on the phone lying saying that Imma get my points this day and that and they tell me they gonna call and follow up with me which they never do and they put me on hold and just leave me there until the phone hangs up. Very poor customer service and misleading company. Stay away from these false advertising crooks!!!

Started a new job and changed to Cigna - worst insurance I have had in over 20 years of professional work. High deductible I've seen and I've had multiple issues with prescriptions. They do not want to pay for Asthma medications I have used for years.

When it's put into effect correctly, Cigna coverage is strong. But trying to correct an administrative error that created a false gap in coverage on their part has been a groundhog day nightmare: Numerous repetitive calls, bringing various phone reps one after the other up to speed, requiring my employer more than once to substantiate the correction. They supposedly submitted the request to their backend team to fix it, but no fix appeared. They acknowledged they had all needed information but kept pushing it back, 48 hours, then 72 business hours, and on request for escalation, up to 5 days. In 40 years of dealing with insurance companies, and having a background in insurance myself, this is the most ridiculously loopy experience ever. I'm having to deal with the medical service providers to avoid being sent to collections.

Cigna is terrible. Multiple times I've received letters saying that information is missing from a claim and the information is right there in the paperwork. They've 'lost' my claims on several occasions. Also, their website is really bad and not very useful. A lot of times my claims don't even make it onto my dashboard. Also, copies of any letters they send me should be on my dashboard and they're not.

I have been waiting 6 months for a Pre-Approval on dental work that is absolutely covered by my policy. I have had a broken partial for 6 months and my dentist and I decided that a bridge is the best option to fix my issue. For 6 months, I have called Cigna on the phone and messaged Cigna via live chat, wasting HOURS of my time, trying to get answers from them as to why they haven't processed my pre-approval. My dental office told me they have submitted and resubmitted the requested info so many times, the manager there told them to stop because they had spent so much time on this.

If I could give negative stars, I would. Cigna health insurance is costly while also denying everything that the doctor recommends being done. It is literally useless to pay all this money for insurance and not be able to use it when the doctor says you need to because someone at Cigna, who does not know the patient at all, is sitting behind a desk determining if they need a procedure or not. I have also had so much trouble getting my medications because of the specialty pharmacy they use, causing me to miss multiple doses of my biologic medication for an autoimmune disease.

I have been sleeping on a chair since February. Even though the doctor agrees I need a medical bed with a bar to help me get to the middle of the bed. I need help sitting down and getting up. Cigna said no. Not a single good reason. But I just gave 3 good reasons why I need one. They simply don't care even though their bottom line would be higher if I try to sleep on the bed and keep falling. Evidently it will be "the fall". I don't know who the fat cats are making the decisions there but they should be dismissed.

You are offering us a plan with an $11,000 out-of-pocket max AND we have to pay $1600 a month?? ARE YOU SERIOUS?! How is anyone supposed to afford health insurance anymore? How do we fix this? We can't be paying more than our mortgage for health insurance!

The only reason I got their insurance was to help me with getting teeth implants. After paying several months, I find out they're not covering me with teeth implants. I cancelled my policy and I get no refund for the hundreds I already paid in and still without teeth. Not the first time I've been hustled but no more by them.

Cigna Health Insurance has usually been great at settling claims. However, there is one coverage that they market which isn't always true for Medicare/HMO type coverage. Cigna promotes that the co-pay to see a Specialist doctor is $20.00 in 2024. This isn't always true. If the Specialist is affiliated with a hospital in Texas, the co-pay could be as high as $136.00 ($20.00 plus an additional $116 for a "facility fee"). I recently visited my Pain Management doctor for a consultation - nothing more. Not only did I pay the usual $20 co-pay, I received a bill for a $113.00 "facility fee." I filed a complaint with Cigna and they refused to cover the extra charge. So buyer beware!

I am 61 and had to retire 20 years ago due to disability. I went out covered under my retire plan. Cigna has plaid all bills during the 20 years. In February they abruptly just stopped and no explanation, no letter and they do not return calls. Worse company ever!!

They will reject nearly everything except regular doctor's visits and require you to fight with them to get anything covered. They don't actually deny approval, they just won't pay for it and instead offer you an unaffordable discounted rate which doesn't count toward your deductible.

Deny medically necessary treatments. Impossible to get approval on more than 5 sessions of physical therapy, not even a month after significant surgery to have a baseball-sized cyst removed from inside my femur. Physical therapist requested 2 more sessions after my first 5. Straight up denied by Cigna. Not the first time they have done this. I'm done with Cigna.

The moment they have your money they give NO assistance. I have send numerous emails. Phone calls. No assistance. Taken my money and made promises but now I get none of what was said back then is now important.

I received a RSV shot from the pharmacy at the doctor's office. Allina Clinic only put 10 numbers for NDC code on my receipt. The code is 11 numbers, Allina does not recognize a zero in the middle of the code as a number as, they said it is a none number in the middle of the code. I have been trying to get reimbursed since 10/3/2023 in the amount of 398.00. I sent in the paperwork with the correct NDC code. But Cigna system cannot identify the code or said it's invalid. I searched the code on Google and up pops the drug. They say we can't reach on Google for the code. But if they did they could add it to the antique system they have.

After 9 months of jumping through hoops with CIGNA to get pre approved for Diabetes medication I finally get the pre approval for my prescription. Here's the kicker: I have to pay $2000.00 deductible to get the medication prescribed by my physician. Unethical.

I wish my employer offered an option other than Cigna. Expensive for the lack of doctors who accept it and the fact that claims are constantly denied as well as so many things are considered (not medically needed) even when ordered by the doctors! Hands down worse insurance I've ever had!

I am highly disappointed with my experience with Cigna. The insurance coverage provided feels almost non-existent, making it a complete waste of time. It's concerning that despite the U.S. spending 17% of its budget on healthcare, the quality of health services remains subpar.

My company switched to Cigna 2 years ago. They do not have denied prescriptions, charged us copays for specialty when it was a primary care doctors. Almost every claim over the last year was billed wrong to me. When I call to talk to them they make it sound like they are fixing it but nothing ever happens. This is the worst insurance company I ever had and I will be making my company switch providers. This is ridiculous.

I received several letters in the mail from a third party company requesting 50123.10 from 2 years ago. Cigna never reached out. I paid my deductible. Now that say that I owe this amount which does not make sense. Cigna had 2 years to reach out. Never made a call. Never emailed or sent mail etc.

Absolutely horrible company. Incompetent people and no "managers" ever available. I have been trying to get a bill paid from October 2023. Every time, it's as if I am submitting a new claim because the reference number shows them nothing, so they redo everything, and what do you know, it's the same conclusion every time: it should be 100% paid. "Please give it 5-10 business days to be processed." A month later, I receive a bill from the provider with, guess what, nothing paid. Disgusting lack of service, empathy, and I wonder what these people are getting paid to do.

If I could give a 0, I would. Cigna has gone above and beyond to ensure I don't get medication. I have tried to get on Wegovy for weight loss and they only cover 1 box per year. So I spoke with the doctors and we set up a 3 way call with the escalations team, myself and the doctor. The doctor gave explicit permission to get an updated prior authorization for me to get more than 1 box per year. They immediately denied. Within 20 minutes. I called Cigna and of course they have no idea what I'm talking about. And they couldn't provide a reason why it was denied. Cigna, you guys suck and I can't wait to see you in court one day with the BBB for predatory practices.

Absolutely terrible. Assigned new primary Dr and first available appointment in April 2025! Need urologist asap due to acute medical condition and despite literally hours on the phone with Cigna and their Doctors offices, 4 weeks now and not even able to get an appointment. Stay away for your health and well being because Cigna is horrendous and totally disorganized with.

I had an accident last July, it took my Dr doing conservative treatments for months to realize I would need a hip replacement. These people have made me give them everything but my dog damn near to prove this was an accident. I have sent all the Dr notes and even a statement from my Dr showing I've never had any treatment, concern, or visits related to hip pain and they are still fighting me. I pay extra for this insurance. It's a ripoff.

Horrible customer service, 5 calls made, not one time could they transfer me to the correct person to discuss their decision to move their HSA investment provider to HSABank (I am sure they get horrible reviews on here as well). Cigna is basically setting up a system to steal from their customers with HSA accounts. I guess CIGNA is getting kickbacks. HSABank has horrible reviews online and many complaints about service levels, accountability and high fees.

Horrible insurance! Will change it once mine is expired, takes them ages to approve something and the agents not all of them but some are arrogant!!! Better save your nerves and go for another insurance company.

Terrible insurance company. I would never recommend to anyone. Their system is designed to only benefit them no one else. I am internationally insured through Cigna through my company but so far all medical expenses I had to pay myself. Unless you have a large medical expense insurance would not cover anything for you, their deductible system is indeed a ripoff.

Overall just a bad experience with Cigna Envoy m they seem to really not care especially the claims dept. I had hernia surgery done in Germany in which I paid upfront because I had three different people at Cigna telling me different stories about getting a guarantee of payment for the Klinikum. I paid up front and ended up waiting over four months for the klinikum to finalize my bill (The system here is whacked). Anyway since then I have turned in all the receipts after having paid interest on the credit card for 5 months, now it's been most of two months while Cigna Envoy claims jerk me around saying 10 days then it was 5 days then 2 days. Still waiting. Horrible, horrible experience. Run

Medi-Cal case ** “premium is one month past due”. My bank statement showed transaction done check #433 $142.81 send to Cigna 7-6-2024. This is second time that happened. Send Cigna another check. Will cancel.

Cigna is only out for your money and will say whatever is needed to get it. I was given false information about every time I called. Now I have $620 in collections because of this scam company. I went to my doctor two years ago to initiate care. I called CIGNA to ask if this office was in network. The CIGNA rep said yes. When I get to the office I asked every office person nurse and doctor. Is my insurance going to cover this? Are we within network? Everyone said yes. I paid my deductible and now two years later getting collection notices for $620.

Cigna denies about half of what my doctor and my wife’s doctor prescribe. Whether it’s medications or diagnostics. How can a Cigna “doctor” who has never assessed me tell my PCP they are wrong and deny my health care? I only have Cigna because it is my workplace insurance. I will try everything I can to get my workplace to switch carriers.

I have had nothing but difficulty since my employer changed health plans to Cigna in 2024. Most providers in my area don’t accept Cigna and the ones who do have lots of difficulty submitting claims and getting paid. So I’ve had to submit a few out of network claims and that has been a nightmare. They often get denied because the claims department says the bill is missing information that is clearly displayed on the bill. Some claims have taken months to process even though they promise a processing time of up to 30 days. Additionally, they will not cover medication I have been taking for 12 years and my doctor has been unable to contact Cigna to provide the authorization documents the plan requested. I have spoken to my company’s HR director and they are looking into changing next year.

Cigna Supplemental Health, is by far, the worst company I have dealt with. I put in a claim on 4/11/24, claimed approved. They claimed sent me a check on 5/5, told me to wait about 3 weeks for the check to arrive, never did. Called then 5/29, I asked for check re-issued, I have been calling every week until 6/25 an agent tells me check cut on 6/21. Need to wait another 10 business days for check to arrive. It still has not. 7/8 requested to speak to supervisor, no one available. Supervisor leaves message on 7/11. Returned call today 7/12, I am told a check has not been cut. What??? They give you every excuse in the book not to pay your claim.

Cigna decides for me whether I have a medical problem, and Cigna never approves my medications. I have to buy my meds without insurance! What a corrupt policy, just taking our money and spending it on CEOs instead of actually providing the customers with the services that were promised at the time of signing up.

I submitted a pretreatment to Cigna. The estimate covered approximately 40% of the bill. I agreed to have the work done. Once the work was completed, the claim was denied. My dentist supplied additional information, I also appealed the denial. It was reviewed again and denied again. The explanation that I was given is that I do not have coverage. According to my plan, NYC PBA, I have coverage for extractions, bridges, and crowns. My 3 of my lower front teeth were removed due to a cyst on two of the teeth. The bridge was to restore my front teeth. I am not a candidate for implants, so what is my alternative. They looked at the claim again, and say that I do not have coverage for this procedure.

Counting down the days until I can switch my insurance provider. Cigna goes out of their way to avoid paying out of network claims, an issue I've never had with any other provider. Not surprising, since they were sued in 2023 for claim denial.

I have Cigna medical insurance through my employer. I got married November of 2023 and added my husband to my policy. This addition has cost me just under 100$ a week out of my paycheck for my husband's coverage. His few claims of 2023 were processed just fine no issues. Since the new year, we’ve had nothing but problems with my husband's coverage. It first started when I logged online shortly after the new year and he had completely disappeared from my account. I had to call to get that fixed. Then ever since every claim he had from doctors visits came back as denied. I have called multiple times, at least 8-10 times since April to try to get these claims fixed since they are with an in-network doctor and he should be covered.

Cigna HAS CHANGED. The customer service is anything but helpful. Today I have spent 60 minutes on 2 phone calls. The first was 14:40 with never speaking with a human. The next was 45 minutes and got nowhere. I have called 3 different times concerning a claim from 2022. I have recieved 3 different explanations for why they won't pay a claim. I'm done.

Rejected my inpatient hospitalization resulting from an accident with absolutely no explanation whatsoever. They claimed it was unnecessary to do this hospital stay on an outpatient basis, but I provided them a medical report stating that this is clearly not the case. There was nothing in any way, shape or form that would allow this to be an outpatient procedure.

Cigna healthcare is dismal and hard to deal with. I have been dealing with a back injury and have had to get MRI, Physical Therapy, Cortisol Injections, and follow ups. Only to have Cigna approve some and deny others with no real direction for the doctors. When you contact them, nobody can actual speak about the process, just recite the denial and the need for the doctor to re-submit more information. Every time I go to the facility for treatment they wince when I tell them I have CIGNA. Known as the worst in the industry for providers and customers...

Accident/surgery in July. 11 1/2 months later, finally received remainder of payment. From July to December NO updates were made. Was told company was behind, and to retrieve my own medical records. Submitted and took multiple follow up calls to receive first payment. PT records submitted multiple times for second payment. After calling multiple times and walking them through the pages was told they couldn't find dates or addresses. Had to provide an email with each date of PT and each address on each page number so they could see it. Once told we would receive a vall back- did not.

If anyone is considering insurance pls run when you see Cigna. The most useless insurance you can ever have! I got Cigna on the marketplace, you need to call Cigna about 10 times before you can even select a doctor then it takes about 3 months even to get a PCP because the doctors on their list of network tell you they are not on the network. Then you have to pay over $500 for each doctor's vist. Terrible! I choose a plan for diabetes and have still not received any diabetic help after 6 months only payments for doctor visits for over $550!! All prescriptions are over $150!!!

Updated on 11/03/2024: I was able to get my issue resolve by using LetUsHelpU@Cignahealthcare.com but also writing to my U.S. congressman's office Bill Foster. It is amazing how CIGNA was also able to sideline and give the run-a-round to a U.S. congressman's. This is a zero-star health insurance company.

Terrible, waste of time and no value added. Deducting usd 500 from my paycheck every month and you can’t use any free medical services with co paying and no full disclosure telling me I have to paid usd 5000 first before I can use anything free after deducting 500 from paycheck every month. Customer service terrible.

They kept denying me essential services to save a buck. Super spiteful employees. A patient advocate who could care less. Forced me to wait 40 days for a surgery despite 2 different surgeons saying it's medically necessary and life saving. In the end it cost them double because they waited so long the infection got everywhere and they had to open me all the way up.

I have severe back pain causing numbness in my legs and feet. I've seen a surgeon on this matter and was told that I need to have a fusion of 3 vertebrae. Cigna has refused to pay for this saying I don't need it. I've got a pediatrician reviewing my case. I'm thinking if he was any good at his job he'd be put helping kids rather that riding a desk at an insurance company. My Dr has stated that the only way I'll ever get any relief from this pain is with this surgery. Guess I'll need to contact an attorney to see if that works. This company is only about profits and not about the health of its customers.

I do not even want to bother to give Cigna Health a star.

My daughter recently needed some dental treatment. We took her to the dentist to get an assessment of what needed doing and to get their estimate. I did my due diligence and called Cigna with all the information, provider, estimates & treatment codes to get Cigna's estimated out of pocket cost. The cost was acceptable and we proceeded with the treatment. When we got the bill it was over double what they estimated. Upon talking to Cigna's customer service, their attitude is, "Yep, we made a mistake. Sorry." Will you fix it? No!!

I had a sudden onset of a headache 55 days ago. I’m a healthy 41 year old female. No prior health concerns. Cigna has fought every scan, every prescription, every visit throughout this entire process. Each time expecting me to wait at least a week to get things reviewed. Finally on day 53 I was able to get an MRV approved and thank goodness for that. It found that I had a clot in my brain. I had had a stroke that would have been found sooner had I not had to wait and fight.

Cigna Health Insurance promptly deducts a portion of an employee's monthly salary. BUT, when the employee has a health issue and the PCP refers the patient for a diagnostic test, Cigna Health Insurance denies coverage! For over a year, when a patient has certain health issue, the provider first refers the patient for X-ray and then therapies. If the patient does not find any improvement the provider then authorizes an MRI scan which is CRITICAL to detect what is causing the problem. But guess what? Cigna Health Insurance only knows to grab the member's income, but denies coverage and states: "At this time, we are NOT able to approve the service(s) requested: Please Understand: If you have or had this service, your plan WON'T cover it. You may be responsible for the cost of this service.

Lots of misinformation provided by their call team and the website. So difficult to find a covered provider. I was told my pcp was in office, confirmed on their website, and only after I was given a bill was I told they were actually not in office. Had to sit on the phone for over an hour and still wasn't fixed, will probably have to shell out hundreds of dollars now to pay for something that should have been covered as preventative. It should not be this hard to find an in network pcp.

Every healthcare professional that I’ve encountered over the last years has spoken so poorly of CIGNA and for good reason. I pay a ton of money through my company and every time I need them, they turn their back on me, continue to take my money and deny, even the simplest things like an MRI, I’ve been suffering with a spine condition for a month and a half and have done everything from chiropractic, physical therapy and finally saw a Spine Specialist who agreed that I needed an MRI to see what was going on after all this time with being in severe pain. And of course, what does CIGNA do is to deny an MRI because obviously they know everything that’s going on with my spine without looking at it. And I’m paying for this!

Cigna seems to have made it their mission to deny the majority of the claims requested by my doctor. It's incredibly frustrating because I've been working hard to lead a healthier life, but at every step, Cigna is there to deny my claims. And now, with the sleep study they just rejected, I'm likely to lose my CDL. It's clear that Cigna's priorities lie in saving money and boosting their own bottom line, rather than prioritizing the well-being of their patients.

My hubby has a ❤️ transplant, his body is trying to reject it so he needs an infusion. These idiots want him to wait (2 weeks!!!!) for approval- I don't think so. He is going to be admitted instead of outpatient. That'll save his life but cost them more money (**). I'm getting rid of these people ASAP.

They have consistently been the worse company to deal with in submitting claims. They have terrible processes in place. An example being that I am told I must submit a, b and c documents/information, just for it to get denied because I need to provide d, e and f of information - when they never told me about this. Then I resubmit providing a,b,c,d,e and f of information and still get denied because I need g and h. It is a rabbit hole of a mess. They are slow with processing claims, but the claims come quick when you need to pay. There is no reassurance of when you speak to a agent in getting your information submitted through their chat system or over the phone. If Cigna replies on this message I do not want to see an apology because there is nothing I or we can do with that. Just do better, update your polices, update your processes, provide clear feedback. I would not recommend this to anyone.

I bought an international health insurance on 20 April as I moved from the UK to Ontario, and needed to provide a bridging coverage until I activate OHIP (provincial health insurance). The sales agent assured me that I can cancel the insurance anytime. My OHIP was activated a few days after that and I called in twice to cancel my health insurance with them on 23 and 26 April. The phone agent claimed that there's a minimum of 3 months premium before cancellation, which was not what was told to me by the agent Josh. However, because I called in within 3 days of the activation of the policy, I could completely cancel it and the premium refunded.

One of the worst health insurance companies on the planet. Yesterday I was denied an MRI of the jaw. I’ve suffered for 20 years and finally found a dentist who knows what they are doing. After numerous failed treatments and years of putting my food into a processor, 4 years of braces and 20 years of jaw, facial and ear pain. I thought light at the end of the tunnel. Well the flames of hell are getting closer. Well done Cigna! I’m now confined to putting all food into a processor. Do you know what it’s like to not be able to bite into an apple, a slice of pizza, any kind of meat or other hard chewy food product. I’ve lost 15 pounds and am scared I will be on a liquid diet soon. My teeth have straightened but it did nothing to repair my jaw joints. Would I recommend Cigna? Never! I don’t even believe they read the claims. I sent many claims and none were approved. Awful, awful corporation!

I had to have a root canal and had my initial visit on 2/27/2024. I had my root canal visit on 3/12/2024. I paid the full amount after each visit because Endodontic Specialist do not file claim forms. They gave to me a claim form for each visit and instructed to not sign or add anything but to mail it in. They had filled out the claim forms and stamped on it in red, three times, PLEASE SEND BENEFITS DIRECTLY TO INSURED. After each visit I had mailed in the claim form to Cigna. Instead, Cigna mailed the money that I was due, back to the Endodontic Specialists. On the phone for a long time on May 24th with a Cigna customer rep, I explained to her that I had spoken with Endodontic Specialists and they had mailed the checks back to Cigna stating that the checks were to be mailed to me. Cigna denied having received the funds back. The rep acknowledged that the amount of money I should receive from them was $96.00 and $1268.80.

Cigna customer service now run from the Philippines by people who have no idea, provide me incorrect information and now leave me way out of pocket for medical services! Expensive provider. Unimpressed.

When searching for insurance I picked Cigna because my hospital and doctors are in network but they want me to drive 45 minutes to get my CT scans rather than 5 minutes to get at hospital that is in network.

I’ve talked with 3 people and the automated system. I’ve spent approximately 3 hours to fix a simple problem. I was passed around and lied to. I’ll be happy when this year is over and I can shop for a plan that MIGHT care more about their customers.

I’m new to Cigna, I’m very disappointed with this insurance, I have not received my insurance startup kit, I go online Cigna has the wrong last name, I called the 1800 number, the staff doesn’t know what going on, if I would’ve known that Cigna insurance was so unprofessional and uncaring when they’re putting people's package together when you enroll I would’ve never enrolled with this company, I’m a diabetic and I was told today if I have an issue with my diabetes, I would not be covered because I don’t have the right insurance card which I never received the card in the name. Online is the wrong name. If could give. Cigna a zero I would, steer clear from this insurance company.

Updated on 10/11/2024: Update on my last post a few months ago. Cigna reached out on this site to “help”. They did nothing at all to help. Cigna is the worst insurance I have had thus far and I would never recommend them to anyone.

Their approach to any diagnostic that costs $$$ is to deny. I had a nagging shoulder injury for months, finally got in to see an orthopedic specialist who wanted an MRI to diagnose a suspected torn rotator cuff---already had an Xray which would not show tissue damage. Cigna denied coverage for MRI stating I needed to undergo 6 weeks of other treatment first without improvement. "Therapy" on a moderate-severe tear may cause further damage and since the orthopedist now knows my insurance is crap, they won't even provide a steroid shot in the shoulder. Thanks Cigna---I hope you enjoy the complaints I am filing with the BBB and the FL Office of Ins. Regulation.

This is by far the worst insurance company I've ever had; they cover nothing. They denied claims even after you do what they require for tests, like MRIs, and denied them after physical therapy, as they requested. Also, they deny prescriptions that are necessary to breathe when you are allergic to others, even when the doctor submits the prior authorization and explains that it is medically necessary. They literally want you to pass away. They even denied a CT scan to a cancer patient I work with to confirm he is still in remission. I'm just in shock that they can get away with this. Something must be done.

Just awful. Too expensive and will deny anything they possibly can. Would give zero stars if I could. Cigna clearly cares more about profit than helping people. In a country where health insurance is a necessary evil, Cigna feels more evil than necessary.

This insurance company is one of the worst I've encountered. They frequently deny claims, including essential name-brand drugs and necessary medications for diabetics. I think they deny more claims than paying them, making it a struggle to get even basic treatments like eye drops. Avoid this plan at all costs.

Cigna is complete trash insurance. Before I got my orthodontics done I called them to ask if my treatment and place of service was covered. I WAS told yes but that they don't pay the 50% until my thing was paid in full to then go and submit it to be reimbursed my benefits coverage. So I now paid off the whole thing I call them to see how to now submit my claim for my money back for their part. They tell me it's doesn't qualify now that only metal braces do which makes no sense being that people use Invisalign nowadays more than metal braces and I don't see how that changes the fact that it was used for Orthodontics purposes to straighten teeth. They are a joke and rip off also false advertising for sure. They apparently don't cover anything, they just collect your money. I wouldn't tell anybody to use them.

After several months of Cigna inaction stemming from its attempts bullying healthcare providers and forcing them momentarily into out of network status, I had to file a complaint with the BBB in order to get the obvious resolution: charges for in network PCP who I’ve been with for several decades. Bill went from nearly $200 to $20. Good riddance Cigna! No need to contact me, too late to show responsiveness.

This insurance is basically just a scam. You pay, they do nothing for you and then when you have a need for a MRI and you want to use one in your town you can't. They want me to go to another town 30 miles away. It's complete bull.

Employer has Cigna Healthcare, unfortunately. I wanted to see an Osteopath re chronic hand and forearm pain. Went onto their site specifically looking for in network doctors and found one near my work in Los Angeles. Scheduled an appointment, went into Cedar Sinai hospital to see the doctor for about 20 minutes. I was then charged $400 to see him and another $400 for "Facility Charges." That's right: they charged me an additional $400 for just walking into their building. Nowhere on their site when I was looking for an in network provider did it state that I would be charged a "Facility Charge." When I called they said If the doctor had a private office I would not have been charged their "Facility Charge." No recourse other than filing a complaint.

I would give a zero if I could. Their delaying imagery and surgery caused me weeks of suffering. They kept demanding physical therapy before images even though I was completely incapacitated and bedridden. Then after images were finally approved they delayed surgery.

Keep away! They’re charging my husband and I 1400 a MONTH for insurance. We have yet to find an in network dr, and we’ve been looking for months. The employees you reach out to, and the find care does NOT have an updated list. We’ve poured so much money into this and haven't even been able to use it. I needed to see an ENT and had an appointment set a month in advance, one employee told me they WERE NOT in network, so I cancelled, for a day later to say they ARE in network. Complete junk!