Cigna Health Insurance Reviews

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!

Cigna is the worst! I’ve never had more trouble with claims - denials on most things - with any insurance company! The doctor's offices agree! Every time I’m asked I say unfortunately Cigna and they agree.

My heart doctor requested a heart cath and Cigna denied the procedure. They wanted a stress test first. I had the stress test done less than two weeks before and Cigna had not paid the claim at the time my doctor requested the heart cath They finally approved the heart cath after almost 3 weeks later. Cigna also denied a prescription my urologist prescribed. I wouldn't recommend Cigna to insure my dog

Should give them 0. My husband had surgery scheduled and they harassed us for a month by giving false promises wrong information. The outsourced cs seems like fraud telling lies providing false ref numbers and letters which is a hoax. Beware guys. Pls don't go for Cigna. You will throw money in garbage.

I had Cigna for many years and they were good at paying claims that were for basic things. Unfortunately, I got food poisoning on a ship which resulted in 3 claims (one on the ship, one in India for hospitalization and one in the US). It's been five months and many phone calls and promises. They paid the US claim right away and paid the ship claim after 4 months but I still can't get resolution on the foreign hospitalization. Interestingly, although I almost died, the medical care in India was amazing at a fraction of the cost (total bill $2500) but still Cigna just never processes it. They keep saying they will and to call back in 30 days. I'm on round 5 now.

Have a Cigna Preferred Medicare HMO. Today is 05/13/2024 and I am still in the process of trying to get my Incentive of $100.00 for 2023 that expire on 05-31-2024. Customer Service is no help, grievance dept is useless. Customer Service tell me I received $85.00, Grievance informed me I received $80.00 and than they tell me I received $85.00, supervisor tells me I received $105.00 and over by $5.00 but they are just giving it to me and Healthy today card tell me I have $75.00 in incentives which is the amount that has been funded on my card.

My company sold out and canceled our insurance. We were directed to Obama care. Glad there was something. But prior to canceling, my wife had a surgery appt for a serious problem, which she still has. When I spoke with several 5 or more and explained how long we had this scheduled and the time and money vested and with my wife's doctors and the specialists that was located out of state, due to our states physicians would go against a fellow specialists, we had no other options. This was told to the many Cigna reps.

Continual denial of needed tests and limited availability of doctors has kept me out of work as a critical care RN for 14 months and counting with no resolutions or interventions insight. The only assistance I get with Cigna is payment help.

The absolute worst insurance medicare. They deny everything then you have to file appeals. The process is not good for the consumer. Then after being on hold you're disconnected. Then you get to start the process all over again.

Employer switched from Aetna to Cigna. Never had any problems with Aetna. Out of pocket seems to be much more with Cigna.. Not sure how on a $900 claim, $800 is applied to the patient deductible. Very bummed I have this cut rate insurance now.

Horrible company! Unfortunately, this is my only option through my employer. I have had back issues for a couple of years. In the last nine months, it has been unbearable pain. I have been to my primary care doctor, gotten x-rays, had extensive physical therapy sessions, been to pain management, and had an MRI. At that time I was referred to a neurosurgeon. He recommended that I have my L5-S1 vertebrae fused. The vertebrae are bone on bone, the disc is completely dried and protruding so far out that it is compressing spinal nerves. I also have retrolisthesis of greater than 3mm. All of those according to the insurance company are qualifications for spine surgery on their own. So you would think that all 3 issues in the same area would be approved. Wrong, they denied it! After countless phone calls to them, they never let me speak with someone qualified to explain how it could be denied.

Cigna won't cover some of my prescriptions, others they require jumping through hoops to get filled, and some they require you to use specific pharmacies. They keep dropping pharmacies and doctors are leaving in droves. They shouldn't be called health insurance because they don't care about your health, and they sure don't insure your health. All they care about is money. They'll happily take it from you, but they won't pay when you need it. I'd switch, but it's what my company offers so I don't have any other choice.

This is the worst "insurance" we have ever had. Cigna denies tests that the doctor orders. Cigna wastes a HUGE amount of time for the patient and the doctor by sending us in a circular spin of nonsense and then denying the doctor's MRI order. How on earth is the doctor supposed to diagnose an ongoing issue without tests??? I believe Cigna is playing a numbers game to save themselves money: How many MRI tests can they deny vs how many times Cigna they get sued because a patient had an issue that was made worse by not getting a diagnosis and still come out ahead in $$$. SHAMEFUL! The new doctor I'm going to told me that Cigna is constantly denying patients MRI tests!

Truth and Facts: Terrible customer service and programs, they misplace information and history transaction, keeping you on hold hoping you will get tired and hang up. Cigna took literally a year to process my appeal for a claim only for it to be denied. Unprofessional and unpleasant experience.

I have an urgent referral from my PCP to a gastroenterologist and can't get a timely appointment anywhere in the greater Austin area. Apparently, most gastroenterology providers have stopped accepting any kind of payment from Cigna because the latter refuses to pay the "usual and customary" charges from the provider that other insurances pay. Not only does this make it difficult to find a gastro provider in the greater Austin area, but the only providers that do still accept Cigna (mostly large providers like Baylor Scott & White) are booked out for months. And I'm not the only one at my company with horror stories of trying to get various providers to accept Cigna. I am urging my company to consider switching providers at the next earliest opportunity.

Cigna is just one part of the scam happening to the American people. I think they are the worst insurance company I've ever had and I've had insurance through marketplace on healthcare. gov. They take your money every month and that is the only thing you can expect to happen. Other than that they are horrible. If you're sick you cannot count on this insurance company to have your back. They are scamming you right along with these doctors who practices western medicine. It's all the same snake just 2 heads. I actually give them a negative 20 stars. They aren't even accredited by the Better Business Bureau. Do yourself a favor and don't bother with them. The have all the wrong doctors in their network from medical to dental to vision on top of everything.

I used Cigna Medicare Advantage PPO plan in 2023. Picked my primary care doctor from their network, but when I used his service due to the case of high BP and then follow up visit, was charged $60 each time as for specialist out of network because, their excuse, he belongs to the medical group! Yes, most of doctors belong to some groups and I had a similar experience before (but it was not with Cigna). Made 2 calls to the customer service, they actually agreed with me, promised to send correct information to the billing department, but nothing had changed!

Be very careful when you decide on a health provider. Cigna screwed me out of hundreds of dollars over copays and deductibles. The dates didn't line up, therefore, I had to overpay my deductible. Even when I provided dates and dollar amounts that I had paid, they refused to budge. Now I'm double paying to keep the bills out of collections and save my credit.

Every claim I submit requires hours of phone calls to get processed despite them having all necessary information. I am currently $7,500 out of pocket with nobody able to explain what is happening. Customer service is close to useless, occasionally making promises that they don’t keep but far more often simply claiming complete ignorance of the apparent black box that is their claims processing department. I have dealt with every major health insurance company over the years and each has been frustrating, but Cigna is far and away the worst.

Cigna's Supplemental Health IS A SCAM!!!! If I could I would give ZERO stars. I have both health and hospital care insurance through Cigna. I recently had a bad infection and from an ER visit I was admitted to stay 2 nights/3 days in the hospital. When I filed a claim for hospital care to cover my out of pocket costs- which should be in case of a hospital admission a lump sum of $3000, Cigna closed the claim and only paid me $200. Their reasoning was, that there was a missing document, the UB04 form, which is the itemized bill from the hospital.

I am not going to go into detail about my experiences with Cigna but I will say that I am unhappy with their involvement in the healthcare process.

My son was charged for expenses that should be covered by Cigna. Before my son went to emergency, we did contact Cigna and was told we only need to pay $150 for the copay. But we were charged physician fee later. I've called their support team multiple times. The first time I called, they told me to wait for 5 business days and assured me I would receive a callback. However, nobody called me after the 5 business days. When I called again, I was informed that it would take 10 days to receive a reply. Once more, nobody called me back.

The worst customer experience with CIGNA and EviCore. I was approved for three MRIs then denied (there are several class action lawsuits). I paid $1,425.00 out of pocket on April 13th 2023. I submitted the paid bill with proper medical codes. Cigna paid the MRI location instead of refunding the $1,425.00 to me. I have spent endless hours with their customer service and "escalation" teams without any resolution. They all agree this is a disservice and have not seen anything similar. Every interaction ends with a survey of the representative; not the company. Do not consider this company.

Cigna is the only health insurance option offered by my longtime employer, unfortunately, which I suppose is why they can stay in business. Surely no one would choose to work with this company. I was just denied, yet again, for a needed medication that my doctor prescribed. The pharmacist recommended that I contact Cigna to find out what other (read: cheaper) medications they might cover — clearly putting the financial objectives of non-medical professionals above the recommendations of doctors and needs of patients. I wish I could say this is the first time I've run into this, but it's not even close. I'm so angry I'm in tears about not being able to get the help I desperately need to reclaim control of my health.

We have a thread in our company about how horrible Cigna Health Insurance was until I experienced it firsthand. My daughter's recent claim for Urgent Care (In network) was recently denied and I was told to submit an appeal. Although I am planning to do it, but now I am very paranoid about our future claims. Me and my husband have health conditions and to worry every time our doctor submits a claim would be very stressful. We will definitely use my husband's company insurance even though it is more expensive. To subject ourselves to worry and stress for each claim because this insurance is cheaper is not worth it.

Picked a dentist without my knowledge. Small pool of dentists on their list that takes patients. I had to go through 3 different customer service people before I was told they would not pay anything if out of network.

I've been a Cigna Global Health Insurance policyholder for seven years and had never filed a claim until recently. A few weeks ago, I had to undergo a surgical procedure. I first contacted Cigna by phone to get authorization for it, since it would be performed at an out-of-network hospital. I would be paying out-of-pocket and then be reimbursed.

Don’t waste your time calling them. You get someone overseas who can’t speak English and doesn’t know what they are doing. I can’t believe a company this profitable can’t even employ American workers.

This company is a nightmare. I have never had a company. Tell me I needed six weeks of physical therapy to identify an aneurysm or other anomaly on my left temporal lobe to gain an MRI and imaging. They fight every imaging order from neurology to spine doctors to anything. They do not want to help you. You get on the phone with somebody. You’re lucky if they speak freaking English. They do not have your benefit in mind except for their profits.

Updated on 04/15/2024: I received a message to my initial review of Cigna with a typical Cigna, generic response; asking me to write to an email which is a vacuum to nowhere. Nick, You answered -"We would like to look into your experience and do everything we can to help. If there is anything we can assist with, please write to us at LetushelpU@Cigna.com".

I am taking time to write this review because of how truly grateful I am to this company. My two year old was recently diagnosed with autism and I am very happily surprised by the coverage Cigna offers for his therapies: speech, occupational and ABA therapy all covered with unlimited visits. Without this great coverage, we'd be burning through our savings making sure our son got the help he needed. I also never have a problem getting ahold of an agent to answer questions and they are always professional. This is what compassionate healthcare is in 2024. From the bottom of my heart, thank you Cigna.

If you're looking for good quality insurance, don't purchase Cigna. They don't like to pay for anything. I have 3 doctors that have told me I need surgery but Cigna just won't cover it. It's for something that 60% of Americans suffer from so it's not an uncommon issue. So now I'm on work restrictions because of it. Pretty soon I will be unable to walk and my chances of throwing a blood clot and dying are significantly higher. Thank you so much, Cigna for telling me that surgery is not medically necessary despite having 3 doctors who tell me different.

If I could do zero stars I would. Requiring authorizations on needed meds and peer-to-peer reviews from doctors BUT the authorization department won't call the doctor and all we get is the runaround.

Absolutely the worst company in the world, I purchased the policy and I mentioned that I had a flu and the agent said that I would be covered to go to the doctor's the next day and then I get a call from the manager asking me these questions about the flu and then he goes and speaks with the medical team and they cancelled my policy because I have to be symptom free for 7 days but the agent didn't mention that, do not work with this company. I will be taking legal action against them, they also didn't send me the correct certificate of insurance, the date on it had the policy starting in 4 days, even though I was told it would only take 24 hours, by far the worst company ever!!!! The manager name is Cameron ** and he is by far unprofessional and the worst manager.

Cigna offers only 1 specialty pharmacy option. Accredo has 1star reviews with most wishing they could give zero stars & I would 100% agree. They won’t tell you your final co pay until they ship you your meds and it took months and many phone calls to just get my meds started! I have to call them AGAIN today! When on a specialty medication & you are hostage to a pharmacy with horrible processes you may not get your meds or may end up paying more than you should. It makes me not want to use Cigna at all…why give my hard earned money to a place to be stuck using a horrible business.

Cigna does nothing to help their customers. You are bounced around to 5 different people, none of whom can help, but they sure can tell you what you should have done to get to the right person for your issue. Web services are a joke. As the subscriber, I can't view my spouse's information. Cigna claims federal law but they are lying just to avoid fixing their system. Disconnected from the call and no call back. Way to have customer service, Cigna.

This is the absolute worst insurance company. The customer service is terrible. I've talked to 5 different Representatives and have been told 5 different things. Trying to cancel my policy has been a nightmare. They Reinstate your policy without your permission Even after calling the marketplace to have it canceled. They lie to your face. I've never in the 50 years on this planet have been treated so Disrespectful and have Dealt with a company so disorganized and clueless how to treat their customers.

Cigna is the worst insurance company, with the least caring people, I’ve ever come across. I have a special needs son. They do not care. They refuse to cover basic medication. I’m sure they won’t think twice about the 5 year old they denied seizure medication when they count their profits. These are the worst people.

Please keep away from from this company unless you want to put yourself and your loved ones in a catastrophic situation when in need of health coverage. What they tell you and what they actually cover are 2 completely different things.

We used to have Blue Cross Blue Shield which was great. Husband's new job only offers Cigna. I have spent more hours on the phone with them trying to get the MRI my doctor ordered. They told me I need 6 weeks of physical therapy first, and then sent a letter stating that I can only have 5 weeks of therapy after I completed the 6 weeks. They still believe my obgyn ordered the MRI, even though I told them at least 20 times (and the doc's name is on the order) that it is from my neurologist. They are potentially endangering my health since no one knows why I have had hip pain for half a year, and they are stopping me from getting the necessary diagnosis and care!

I have 2 dental policies through Cigna, one through my employer and another through the retirement division. I pay for 2 plans but Cigna refuses to uphold both policies. In 20 years never had an issue until this past year. Do yourself a favor and stay away from this lousy company.

This insurance company is so shady! Buy dental insurance, Unable to provide original insurance card. Several doctors suggested me do CT scanning at last year, multiple requests but they were all rejected.

We have dealt with Cigna many times over the years. We have no option through my husband’s work. Everything is a battle but this time is too much! I have a huge defect in my spine that requires surgery or paralysis. I’m currently in excruciating pain but Cigna denied approval for my surgeon's authorization first because they claim the surgeon didn’t name the product he was going to use and second the surgeon didn’t send my smoking history - I’ve never smoked, which is on every history ever sent to Cigna. I am stuck in a chair because of this - taking more and more pain medicine and my left leg is getting weaker. I’m very frustrated! It doesn’t take a medical person to see the problem in my spine. Cigna isn’t even denying that the surgery is required.

Cigna is a bunch of total crooks. They keep denying medical care expenses related to my wife's infertility treatment and pregnancy. My wife used to have different healthcare coverage several years ago (see below pic, which expired in December 2022). She has been on my insurance since January 2023 (Cigna all the time). We had "covered" infertility treatment, and now we have "covered" pregnancy-related healthcare. The pain and hassle we have to endure with this company is unbelievable.

Predatory company that automatically rejects most claims without reading them; have been warned by several of the doctors that I've been to that they are the most difficult insurance company to work with, as they will do everything they can to reject your claim, at every step along the way. This has proved more than true over the last two years. Most recently, I had a cigna associate confirm to me that a facility was in network and the appointment would be fully covered by my insurance. I went to the appointment and after checking in, the provider told me to pee in a cup for a standard drug test. I did so, and later was charged $200, as they sent the test to an out of network facility without my knowledge or consent.

So, if you have a choice, don't go with Cigna. First, much like many people, I was on a medication for years before my insurance was switched to Cigna. They decided they didn't like the cost of that medication and denied it. Wanting me to use a less expensive option. However, having tried that for months and it not having the same effect, my doctor attempted to prescribe it again but again it was denied. So, while we fought that system, I had to get more of the medication that didn't really work for my migraines but enough that I didn't need to call out of work. However, Cigna denied it, claiming I had exceeded the monthly limit. Excuse me? A monthly limit for migraine medication?

Tried to submit out of network Cigna vision claim online, website sucks, tried two different browsers and two devices (laptop and phone), it just does not like attached receipt in expected format (tried .pdf, .jpeg). Why even keep the option to submit claim if it does not work?

I will definitely be switching my insurance provider during the next open enrollment period. Cigna is awful, collecting huge insurance premiums monthly yet refusing to pay out basic claims. Cigna listed a provider as in-network, yet denied my claim for a primary care visit and passed on the entire cost to me. I've contacted them over 5 times and have not received any helpful resolution as of yet. The website is designed to be as frustrating as possible, and getting in contact with an actual person is near impossible. Hold times on calls exceed 30 minutes, and the email system is archaic and puts customers in contact with people who couldn't care less about resolving your problem.

Cigna is very focused on profit, but don't seem to care much about an individual's needs. When you willingly make your payment every month you expect to have your care be somewhat of a priority, unfortunately for Cigna, you are not a priority, especially if it's going to cost more. Customer service say they will be happy to help you get your needed medication, all that is required is for you to ask the doctor to try to get pre-authorization, (for a medication that they have been paying for only the brand name, more expensive version) but that may take another 72 hours to 5 business days. See that's just the thing, it's only business, Cigna doesn't care about you.

Diagnosed with arthritis in my knee. The Orthopedic physician prescribed a specific medication that is injected in the knee. My plan at Cigna was the absolute best plan available and the prescription was denied. We were previously with Blue Cross and Blue Shield and the medication was covered and the service overall was much much better. As an employee I don’t have a choice, but I will let my employer know of my disappointment and if I can shift to BCBS I sure will. Not a fan of Cigna.

I received Cigna Health Insurance starting October 1, 2023. At first the insurance was really great, low co-pays the marketplace covered the premium for my husband and me. Somehow my insurance policy got changed in January, where my husband was excluded. The premium went up in February now $167 a month after marketplace already informed me it would be zero. I called in January made a complaint to marketplace. February I got a call back. Change my policy I thought back to the policy I had before. I now have a policy where my co-pay is $100 for specialist (was $10) and $50 (was $3) for my primary care and this is all in network. Cigna is NOT paying MEDICAL expense because they say I owe $335 to CIGNA for premiums that I was informed by marketplace were zero monthly. I have two papers from Cigna in February. One shows premium due is $0 the other shows a premium balance of $167.

Hello my name is Pablo ** I am a Cigna customer **. I have been trying to order my ** that I have been on for some time now. I called cigna and they told me that they have new rules and that they needed a pre authorization letter from the doctor to give me the medication. I asked when new rules come out. Why not tell us so we can inform the doctor so that we do not run out of medication. I called my doctor and informed her of the letter needed to get my medication. She told me, "Ok. I will send."

My medication must be administered every 6 weeks, note this has been the medication I have been on for 3 years and has been working well to treat me. Unfortunately, my employer switched to Cigna, and according to Cigna this medication can only be refilled every 8 weeks. My Doctor appealed it and provided medical evidence, both my medical history and a series of peer-reviewed medical studies, demonstrating the need and urging the appeal. Cigna denied it with a generic response indicating they did not read the documentation provided. It's been almost a week without my medication, and it puts me at risk, it's clear that Cigna could not care less about the patients or their health and only cares about its bottom dollar.

This company is trash. Denied a claim for an in network provider saying she was out of network. Now we are fighting with them to adjust the claim based on their own website showing she is in network and they are still fighting us on it. All because they don't want to pay out on a claim that was over $3k and we are no longer their customers. Having worked for them and knowing they do everything they can to avoid paying claims, it shouldn't surprise me, but I had hoped they would've improved over the years. Glad my company took us off this hellhole of an insurance provider.

Cigna will take your money but not take care of you. I have been dealing with knee pain for over a year and I finally went to an orthopedic surgeon and was diagnosed via MRI with a torn meniscus. It has been 12 days and my knee almost feels like new. Unfortunately, Cigna sent the MRI images to their crap doctor and because the tear in my meniscus was not long enough, Cigna denied my claim. Was I supposed to suffer another year while the tear grew longer? It seems like that is what Cigna would have me do. This is not health insurance. This is just plain robbery. It sucks that my employer chose Cigna. Obamacare is probably better.

Took my son to the nearest emergency room. Days earlier he had been to a Cigna approved urgent care. Had they treated him correctly we would not have been in the ER at 1:30 am with an allergic reaction causing huge hives and pain to his neck, shoulders, and hands. Apparently I should have gone to the further ER that was in network and took a chance on his airway being compromised and told him to just suffer with the pain. He was given several IV medications, monitored and sent home. Long story short they will not pay the doctor as they say he is out of network so I'm sure they will not cover the visit. Cigna makes me ill. I don't know how these people sleep at night.