Cigna Health Insurance Reviews

I have Delta DHMO group dental coverage. It seems to have some coverage for most dental issues. I am a new subscriber (actually, subscriber spouse). I have used it once, and I believe it covered the diagnostics 100 percent, and deep cleaning at 50 percent. O.K. My dentist recommended zirconia replacement bridgework, which is not included in the coverage. Porcelain bridgework is covered, so I inquired of the dentist regarding porcelain, and was informed he only uses zirconia. I called Cigna to see if they might pay on the zirconia what they would have paid on the porcelain. I got an answer right out of a script which I could not understand (and I am a lawyer).

I had a terrible experience yesterday. I went to get my seizure medication at the pharmacy and they informed I had to pay $800 dollars. I told them I have Medicare through SSI my copay shouldn't be that high. They said, to call my insurance. I called Cigna insurance. They said, I got moved to a tier 4 which I had no knowledge about and that I have to apply for extra help which I did, but will take 24 to 72 hours. I informed them repeatedly I'm out my medication and I can't go without my medication for that long. I could go into epileptic withdrawal that can cause me to have seizure after seizure that can be fatal. They said, "I have no other option ", but to pay the ridiculous amount after they wasted most of my time.

Cigna is the insurance offered through my company Tri County Care. I initially took this free insurance in 2018-19. I had a routine colonoscpoy which resulted in the removal of a polyp. Cigna did not cover this and said that because of the removal of the polyp it was now Diagnostic and not routine so I was now having to foot the whole bill which was over $3,000. I did not realize that I would be paying that kind of money and ended up going into collections. Moving forward this past December was open enrollment and I wanted to compare the cost of Cigna with my husband's insurance.

I went to labor and delivery twice for pre term contractions. Both visits were billed by my hospital as emergency visits (code ED-0720). However Cigna treated the bill as an outpatient/operating room visit. Neither of those are correct. Even the code on my explanation of benefits (CPT G0383) is defined as a level 4 emergency visit (same as the hospital). However, despite both codes dictating this is an emergency visit I am being required to pay more than triple my emergency room co-pay.

I enrolled in coverage at the end of Nov 2023 because my husband's business was sold and we lost coverage through his work. I paid in full for the coverage 11/30/2023. Coverage was supposed to begin 12/1/23. On 12/8/23 my son came home from school with strep throat. I called Cigna to get my member number so I could take my son in to urgent care. After an hour and a half on the phone I was finally transferred to the retention team that gave me the member number #**. The next morning 12/9/23 I took my son to urgent care. After they were unable to locate my coverage and were unable to call in (it was Saturday and the call center was closed) the urgent care turned us away and would not see my son. We had to go to another care facility and pay out of pocket to be seen, tested, and receive antibiotics.

A medication I have been on for the past few months through a different insurance (changed through work) is now out of my price range. I was paying $45 through Aetna and now it's $469 per month. And why do I need pre-authorization (which takes them WEEKS) for services I was already being provided? With the high deductibles they have, I might as well just not have insurance at all. Why are we paying premiums when they don't assist with costs until a ridiculously high deductible is met? And what does caremark have to do with pharmacy when Cigna is calling all the shots? I guess I will go without my meds for a year...

I have been on the phone for 2 days trying to resolve an issue where Cigna has taken funds from my bank account. They continue to say that the policy is still active (which it is not) and placing the blame on Marketplace. Marketplace has said they have been fielding calls like this for days. Still no resolution! The money needs to be refunded being that we are no longer insured with them. Today I had a customer service representative hang up on me when she realized I wasn't biting the blaming marketplace! I so not recommend Cigna for insurance.... really didn't cover a lot and is trying to use underhanded tricks to get money. People would not have to change insurance if they wouldn't have raised their rates so much! AM EXTREMELY UNHAPPY! DO NOT USE THEM!

Updated on 1/9/2024: I wrote a previous review on this website concerning Cigna's hearing aid benefits and how they accidentally excluded me from those benefits. After multiple phone calls and assistance from my previous employer, those benefits were reestablished, but not in time for Cigna to deny my claim which has cost me $4,000 (out of pocket) on hearing aids. I gave them a poor review on this subject. Cigna (Mark) responded to my review asking me to contact a certain e-mail address to "discuss" my concerns. I replied to their response on this website asking for more details on how to proceed. Two weeks later, there is still no response from Cigna on how to proceed. No big surprise there. Do not trust Cigna.

Terrible company to work with that cares little about customer health and all about their bottom line. Reject any claim they can and require appeals. Recently had an emergency pop up requiring an immediate MRI around the holidays and they still rejected it. Also disappointed with my company for selecting such a narrow minded corporation like this.

This insurance company (if you can even call it that) is awful and does not have the patient's best interest in mind. They will deny every claim and make you appeal it and then deny appeals. I'm sure they don't even read through them… I think they have an auto button to deny everything so you have to try to fight it and then get so frustrated fighting your claims that you just end up going away. It's a great business plan so they get the most money out of people but not really great for patients who have legitimate health issues. I would never ever recommend this company to anyone. You are almost better off having no insurance as Cigna doesn't want to cover anything anyways. Please do not go with this company. Use a shared health plan or something instead. I'm out thousands and thousands of dollars thanks to Cigna.

My health insurance changed through my work and I have had nothing short of a miserable experience trying to navigate the Cigna customer service department. I have complicated medical issues and Cigna granted an out of network exception request for one of my providers. Despite correctly submitting claims from the provider Cigna refuses to reimburse me. I have called over 5 times about the claim, and every time I am treated with the same response of, "We're wrong, you're right, this will take 5-10 business days to be processed correctly" and the when I call back in 10 business days nothing has changed and I find myself in the same position. Due to this I have been able to access care, which is exacerbating my conditions. I would never choose Cigna.

I had 2 dental visits on 6/16/2022 and 4/25/2023, respectively. Since my dental office doesn’t accept Cigna insurance, I paid the costs by credit card and filed 2 claims for reimbursement on 4/25/2023. In May, Cigna sent 2 checks to the dental office. Although the dental office sent both checks back immediately, Cigna didn’t issue the check to me. I called Cigna and requested the checks 4 times (each time takes more than 45 minutes). They told me that they put stop payments for the 2 checks, and I need to wait for 60 days. In July and Aug, I called them 4 times to check the status of the payments. They told me the problem was resolved at the end of each long call (more than 1 hour). After another 2 calls in Sept and Oct, I received 1 check at the end of October.

My wife had a mammogram that had dense tissue and her doctor wanted her to get an ultrasound to provide a better exam. Cigna covered practically nothing leaving us with a $500 bill. This should be a routine procedure and part of regular care if a mammogram is inclusive. Not with Cigna. They don't care about women's health. This is a reason why some women don't get diagnosed because crappy insurance companies like this only care about the money. I can not wait for my company to switch Healthcare providers next year. Cigna is the absolute worst and should be ashamed how they say they are for women's health but obviously aren't. If you can avoid this company you should.

I am a 54 years old woman, a mother. Due to previous car accidents, long term hard physical work etc. I have back pain, shoulder pain, knee pain... with my husband's previous employer, we had Providence Health Insurance. The insurance not only paid chiropractor's treatment, but also covers one hour massage before the treatment. It makes sense, since the massage loosens up muscles and make the adjustment easier and less risk. With my husband's new employer, our only choice is Cigna.

We were very excited to go with Cigna when we saw the broad set of providers on the Cigna website. We made sure to screen their website for our specific plan - the Connect CO EPO plan. We discovered that 80-90% of the providers they list do not in fact work with Cigna Connect. When we called Cigna, they recommended we call each provider AND also the facility where the provider works to make sure that they accept Cigna Connect. That is how we discovered, after hours of calling providers, that Cigna's provider list on their website is an utter farce.

I'm on round two with having Cigna has a provider since my employer changed to it. They are absolutely the worst insurance I've ever had. Every time a doctor has scheduled any kind of diagnostic testing they have denied. It is a constant fight to get testing or treatment for anything. They gamble with people's lives for the sake of $. Customer service is awful. If you can find someone you can actually understand, they treat you like dirt. Run from these people. Run fast, run far.

I was issued 2 reimbursements a month ago via EFT but after getting nowhere with customer service as to why I hadn't received it I discovered they verified an account number that was non existent and not linked to my name or routing#. I instantly notified Cigna, provided the correct a account# and also verified with the bank that both payments had already been returned to Cigna.

We caught our hospital committing blatant billing fraud (Intermountain Healthcare Riverton UT). We obtained a third party analysis from a nationally recognized billing code expert that confirms the fraud. Cigna's SIU defended and lied about the fraudulent billing to protect IHC!! They blatantly lied in the face of evidence. The fraud got dumped all on me and my family because our deductible is so high. It's not Cigna's concern if they don't have to deal with it. They left us to the wolves and we got robbed! No Integrity or honesty in this corrupt money grabbing organization. Satan is their CEO.

Dealing with Cigna is a nightmare. They don't have enough people to answer their phones, the website is crap, the process and follow through of their website is crap and nothing gets accomplished. I wasted over 4 hours just trying to renew my coverage. First, there is a bait and switch with their prices. The prices they first give you goes up by the time you get to the part where you set up and pay your premium. No one at the company could explain why the price went up, other than "Oh, the first price was just an estimate." Nowhere does it say on their website that the first price given was an estimate, nor does it say why the price would go up.

Was hospitalized with Guillain Barre syndrome. Was intubated and paralyzed for a month. Still unable to work because of effects of the illness. The claim was filed in May. It sat idle for five months. I called repeatedly for updates and received no information. They never even reached out to the hospital for information about my claim. After I got upset with them and sent in all pertinent information, I called them again. Still nothing. I called again and demanded to speak with a supervisor. He was aghast that the claim had taken so long. He had to go through old emails to find the documents I had sent. Said they would be in contact with me within a week. Not 24 hours later my claim was denied.

Not only does Cigna employ the dirtiest, greediest, most heartless and repulsive pieces of filth for customer service and executive management positions, these worthless humans have zero respect or regard for their customers. Cigna is a scam and the people who work for this deplorable organization are scum.

I got cancer and Cigna tries not to pay when possible. They deny certain tests. They tell you they will reimburse and they don't. O have spent so much out of pocket after their lies. The doctors do not like them. My cancer has been a battle thanks to Cigna. Now they are not getting back on good terms. Stay away from Cigna.

First, when my claim wasn't processed, I was told they didn't have all the information from the provider to process the claim. I called the provider and told them they needed to send it again. Cigna received the information and opened up a second claim (I guess because they DID already have everything and that was just an excuse). Then, it has been excuse after excuse every week that I call for an update. It has been almost 3 months to get a simple dental claim processed. 3 months!!! How does it take that long?! They said to give it another week. I'm sure I'll call next week again and it'll be something else.

Cigna is the most frustrating health insurance provider I’ve ever had. I recently got a bill from my doctor for a preventative care appointment I had over a year ago. As preventative care is covered under my plan, I called Cigna to see if there was a mistake. They told me the services had been miscoded but there was nothing they could do because the appeals window had passed. I am pretty frustrated as the bill was so late that I had no opportunity to resolve it within their window. Overall I’ve found Cigna to be very difficult to work with on the phone and this is not the first time I’ve received a bill for something that should have been covered.

I hate Cigna so much and I’ve only had them for a couple of weeks. On previous insurance, I had laser eye surgery which unfortunately caused dry eye syndrome. I have been using drops and ointments that the eye doctor prescribed but still get excruciating eye pain frequently. The pain feels like my eyelids were glued to my eyeballs and I opened my eyes and ripped everything. Then it's stabbing pain for anywhere from a few minutes to 30 minutes. I can’t open my eyes once the pain starts and there’s nothing I can do to make it go away. I’m new to the area and found a new eye doctor who gave me a sample of **. It worked really well so I asked for a prescription.

Cigna has resolved this issue quickly by sending me a refund check for the advanced premium payments as I requested.

Cigna switched to DHL who then delivers to your post office who then delivers to you. 17 days for one prescription! Lost prescriptions abound! STAY AWAY! This is a horrible service from CIGNA PHARMACY.

This has to be one of the worst health plans I've ever encountered! I requested three times to receive an ID card that has all of the information on it (ie co-pay costs, etc.) so I can have it with me instead of digital version. The first time I requested a physical ID card was seven months ago!!! So while I was on the phone today speaking with someone about a charge that shouldn't be on my file, I asked about the ID card. She said they took off the co-pay amounts and that I couldn't receive an ID card until December due to the state coverage, etc. (whatever that means). A lot of good that does me now! She said that I can go online and get the co-pay amounts. Am I supposed to write them down on a piece of paper and keep that with me? Why is Cigna making things so difficult for the consumer? I am changing health insurance companies to a company that actually cares.

Cigna Dental is bad, really bad. Will be dropping them like a hot potato. We’re retired and Cigna looks first for any reason to deny coverage. Needed a crown to replace existing and the crown base needed some reconstruction. Covered the crown, not the buildup. Called a got a representative from another country that was impossible to understand that was robotically reading from a script. My suggestion- run away from Cigna Dental as fast as you can and don’t look back.

My father holds this insurance which has been wonderful until a certain medication is not pre authorized and they will not cover the cost or reimburse. The upsetting fact is that when this was finally authorized, they paid for the medicine but they will not reimburse for it when this was needed in order to save his life. ** was prescribed after my dad was in the hospital for an allergic reaction to another antibiotic that created a huge issue for him. While the hospital should have preauthorize upon discharge, we paid out of pocket because he needed this medicine. We submitted three claims and they somehow have not received any until I called and made a huge deal. While they finally have the third claim, they are asking for more proof that is not possible to obtain now that we are 6 months out. Aggravated and frustrated beyond belief with customer service and this process that still has not been resolved.

I am so tired of getting daily robo calls from Cigna, trying to sell me their health insurance - with no regards to the National Do Not Call Registry. This is illegal, it is unethical. I would never do business with a company that conducts such questionable business practices, and it certainly reflects on what to expect as a customer. Cigna needs to STOP these illegal call center activities and start respecting the DNC registry.

Cigna is a joke ..Had gallbladder surgery back in May ..19,000 procedure ..Still has not been paid ...and I have met my deductible, I called to find out why it hasn't been paid ..Their response, "We have to have the license of the surgical center, tax ID and address." What!!! Why didn't they contact them for that, I have this through my employer and I do not like it, haven't paid for barely anything I've had done, even the colonoscopy I had recently, the Dr's office contacted me. Said they haven't been paid ..and they submitted the claim 3 times, so done.

Companies like this should go bankrupt and close, after the pandemic, they became crap that is not worth paying for, before everywhere I went they told me that I had very good insurance and now it has become so horrible, according to They cover you in full, having the premium they want to charge me a fortune for everything, I don't want to know how people who only pay for the basic plan are doing!!!

What a terrible group of non-humans. They paid for my diabetes meds since April 2023 and now, out of the blue with no denial letter, warning or explanation, they just decided to stop paying for it. Also, I had a neck injury in April. They wanted me to do Physical Therapy before they approved an MRI, then refused to cover the therapy. Then they denied the MRI saying it wasn't medically necessary. As if they are doctors. Hopefully that statement from them will be the noose they hang themselves with. The VA did an MRI and ordered an emergency surgery on my neck. The neurosurgeon said I was a week or less away, or one good fall, from being completely paralyzed. This was turned over to an attorney who took it on a contingency because they believe we have a 7 figure case. I'll also be adding the denial of life saving diabetic meds to this case as that denial just happened today at the pharmacy 09/06/2023.

I went with the premium health insurance my employer offered. After 4 months, 3 doctors visits, blood work/lab work, and two (2) doctors' prescriptions. What did Cigna help with? NOTHING. I got a letter from them that said I get the benefit of their negotiated discount with the lab work company. So...for almost $1800 in insurance premiums...I got nothing. I quit my job because my fellow employees are having similar experiences with Cigna and the employer is bogus too. Buyer beware. This company is a fraud. Try calling them...Try reaching a human being. Waste a couple days of your life dealing with an AI chat bot. Horrible.

Denied --> Appealed --> Approved. Denied --> Appealed --> Approved... Denied. And there you have it. A brief summary of my wife's experience in trying to obtain life-saving medicine and treatment through Cigna in the 2023. How is this possible? "Maybe they changed their formulas for qualification" says the health provider, befuddled herself as our family tries to figure out how to help my wife fend off full-blown lung disease. The formula is pretty clear at this point: Deny. Begrudgingly approve. Find the loophole. Stall. Repeat. Hope people lose hope or simply die before any degree of accountability or care is met.

Cigna is denying my wife’s diabetes meds because prescription was written wrong (cost $1,100 out of pocket). Doctor's office has tried and tried to rectify the problem but Cigna prefers to allow people to slowly be eaten away with diabetes so they die sooner. Cigna gladly takes ins. premiums, but then sits high on the hill and play God when they DENY, DENY, DENY people's meds and care!!!

Had to go with Cigna due to company merger. We were told (promised) that "the coverages, co-pays, network, etc. were exactly the same as the plan we were on at the time of the merger. Only that the servicer is changing". Well, what a big fat LIE that was. Over the past three years, Cigna has consistently and methodically reduced what is covered while raising the rates and have been denying claims for tests that we have been taking for over 12 years.

I have been on hold being bounced back and forth between customer service & enrollment just to correct dates of birth for my children on this plan. I find it incredibly difficult to believe that nobody can open their computer and type a few keys to correct this. Utterly ridiculous. Worst customer service I have received in quite some time. Beware.

We are new to CO and signed up for the gold plan with Cigna. There are 24 PCP's in the network, only TWENTY-FOUR. To add insult to injury, half of them are 77+ miles away and the others have terrible reviews. I live 15 minutes from downtown Denver, it's not like I am in a rural area. Please do yourself a favor and look elsewhere. I wish I did.

Updated on 08/18/2023: I had written a complaint on 8/10/23 regarding lack of payment for hospital care coverage for my child. I received a response from the company email from Alexis at (let us help you). looking for more clarification on 8/15/23. I responded that day with the claim date from May 17th, my name and the claim number. Surprise!!!! I still haven’t received a response. I also called the company on 8/14 and waited on hold for 56 minutes until a customer service representative actually answered to tell me that my claim is still pending and there is nothing they can do except send an email to the adjuster. 3 months to get money that is supposed to help alleviate the stress of dealing with a chronically ill child and increasing bills! This company is ridiculous!!!

For over a year, I selected the option on their website for automatic payments; yet for some reason, it wouldn't happen. I would either realize on my own or randomly get a notice from Cigna stating my payment was overdue then have to scramble to pay before they cut me off. I didn't get any letters the past couple months and thought it had finally worked only to find out from my dentist that they stopped my coverage 5/31/23. I didn't get any phone calls or notices from them about this so instead of having my crown 50% covered, I'm s.o.l. You'd think a company would want to make it easy to get payments instead of making it harder for people needing their services!

I've had Cigna insurance with my work for 8 years now. Have had nothing but trouble with every claim that was filed. Customer service reps were always rude. Last claim they never paid, several times I've had to pay several covered claims out of my own pocket. Thankfully the company I work for is changing insurance companies after this year!

We have had Cigna here at work for approximately a year. I have submitted several claims, only to be denied. Cigna's favorite response is "Need more information." They are very general in their requests and their "medical team" constantly finds reasons not to honor your claim. I feel they care more about money than their clients. I not recommend that you choose this insurance company.

My company switched to Cigna dental this year and it is, by far, the worst insurance company I have ever had the misfortune to deal with. I have two claims still outstanding that my dentist is dunning me for. One is from November, 2022; one from March, 2023. What other reviewers report is correct - Cigna does not have a working appeals process for claims that are initially rejected. I have personally called/chatted on-line with six different reps over the last two months. Each time I am told the claim is being escalated. Most recently, it was escalated to the 'same day adjustment team" which needs TWO WEEKS to think about the claim. That's right - the SAME DAY adjustment team needs TWO WEEKS. Am thinking of getting a lawyer at this point. Would leave 0 stars but cannot publish review otherwise.

Their dental invents technicalities to deny paying claims. Insurance states 50% coverage but they cite reasons not stated in their policy to not reimburse. Their low rates may suck you in, but stay away.

If I could give negative stars I would. I got a PA denied on a medication that I have been taking for 6 years with positive results and no side effects. I recently got a new job that offers Cigna so I had to switch to this company for the first time ever. They are trying to make me switch to the generics that I have already tried 6 years ago that had very negative side effects and didn’t work because they are cheaper. I can’t help which medication works for me; they are not my Dr. nor are they me who actually has to take the drug. You’re an insurance company, don’t tell me what medicine works for me, you have no idea!

This organization is filled with low-level workers who never amounted to anything or aspired to obtain an education beyond a GED. The medical staff that reviews and declines procedures has the bare minimum credentials to push paper in an office or push a broom in a hallway. Now that you know the level of accomplishment these people hold themselves to... lower your standards when dealing with them. The bar here only gets raised high enough to trip over or stub your toe.

My family has been on multiple health insurance plans and this has been BY FAR the worst. They literally deny every single claim regardless of what it is. So disappointing that we pay lots of money a month and still pay tons of money out of pocket for care. These are routine procedures that have been covered no questions asked with different providers, but it seems Cigna will do anything to save money and deny customers' services that are needed.

Worst insurance ever and the customer service is even worst. My daughter was prescribed a cream by her doctor after trying a generic version that did not work! I went to get the cream at the Pharmacy and was told my insurance rejected it because there is no generic version. I ALWAYS ask for generic but in this instance I was told there was no generic! I questioned it with Cigna and they said I needed to get the doctor to send a note saying my daughter "medically" needed the cream! WELL OBVIOUSLY she needed the cream that is why I was prescribed!

After obtaining approval and paying out of pocket for hernia surgery almost a month ago, my claim is still pending. No one from Cigna has reached out to offer any explanation at all. The Hospital actually did call to reassure me that we did everything right and that they work with them all the time so we should have nothing to worry about. With most companies that's true but I do not have any faith in this one. Instead of healing after surgery we were bombarded with emails with a list of crazy charges that we didn't understand at all.

Cigna is probably the worst health insurance to do business with. They do not care about you, all they care about are profits. They will process claims wrong on purpose and make you catch them. Then make you appeal to get your money. Their customer service frequently hangs up on you. I would never willing choose them, my employer makes me use their plans. Terrible, awful, rude.

I hate I hate I hate Cigna insurance. They are the worst!!! They don't cover NOTHING not even PRESCRIPTION... If you have have to decide on any insurance coverage THIS IS NOT IT... PLEASE pick another carrier!!

I had many top health insurance carriers through my work life. Name a popular Silicon Valley corporate health insurance, and I probably had it. Most of them are very good, caring and have a friendly customer support. But now that I have Cigna PPO as my work insurance for almost a year, I am at a loss of words to express how great they are. Take any aspect of their coverage, from relations with providers — to authorisation of treatment, procedures and pharmacy — to support options — to universal competency of every employee — to ease of use of the MyCigna web domain — they excel everywhere. Can’t be happier. Thank you Cigna!

When submitting out of network claims, be prepared to spend HOURS on the phone with them just trying to track down the process of the claim. You will get a "feel good" email upon submission that confirms receipt which tells you to expect a 7-10 day turn around time on the claim, followed by ZERO updates as to the delays into the process. MONTHS go by with no movement on the claim, even with spending hours on the phone with them while they try to dance around the answers for why there is such a delay. Press for correct information, don't accept mediocre answers just to pacify you, demand they resolve your issue every time you talk to them in order to inch your way toward a resolution.

I went to the doctor for my annual check up and in the Cigna coverage for seniors it says that we would get an over the counter credit for the annual wellness check up. I did my annual wellness check up in January 2023 and still have not gotten the credit. I am told they did not receive the right code for the check up. I do not know how to fix their coding so I am just screwed out of my $30 for my annual wellness check up. I have made at least 7 phone calls between Cigna and my doctor's office and still keep getting the run around. Every time I call someone tells me something different. I have finally given up which is what they want you to do I guess. In summary the Cigna incentives for the OTC card do not work so don't bother with them. I am going to change companies in January because they are not honest. They offer the incentives but then when you do them they don't give them to you.

Cigna denied coverage (appeals and all) for a necessary right shoulder surgery stating it is not proven that surgery helps my son's condition. He has over half of the ball in shoulder gone and ligaments etc all stretched and damaged (from seizures before they were controlled by medication and recently just slipping out of socket and getting wedged putting pressure on all nerves within the shoulder area). After stressful arguing for months and after all other insurance concerns addressed this is their answer. Apparently they never had any intention of paying for surgery. Do yourself a favor and DO NOT BUY CIGNA insurance. They are the worst!

I got something in my eye, so I go to urgent care. They send me to an eye Dr that takes my insurance. The Dr gives me a prescription for drops to get filled. I used my card at all three places. I had to pay 90% of the prescription. And a month later a bill from urgent care and the eye Dr. I had to pay everything out of pocket. Because Cigna said it was patient responsibility. I just switched jobs because of the benefits. The employer told me how good the insurance was. I had better insurance at my last job. Now I'm looking for a new job, that doesn't have Cigna as their insurance provider. You pay out money for insurance that doesn't pay for anything. What's the sense of having insurance. When I called urgent care to see why I was being billed for the total cost. She explained that Cigna made it patient responsibility. I said, "So you are telling me I'm wasting my money on Cigna insurance." She said, "I'm not allowed to tell you that."

My daughter who has had 4 open heart surgeries by the age of 2 has been suffering from chronic chest pain which started in 2018. I have taken her to top medical institutions in 3 different states looking for help. She has had scare reversions also to help with the pain and many different medication tries. The next step is to try a spinal cord stimulator, which Cigna says is not medically necessary. Her doctor has done everything they have asked and they keep moving the goal post back and keep asking for more. They don't know my child, they don't know the pain she is in. They play god with the health of your family.

Stopped letting me use my own pharmacy, non English speakers c/s, stay away from Cigna. Switched to United Health Care and can use my own pharmacy again. When I signed up I was able to speak to English speakers but never again after I was enrolled.

I am a type two diabetic and have been for several years. Approximately a year and a half ago I started using the Dexcom G6 glucose monitor. It helped me bring my A1c to 6.9 down from 9.5. I have had no problem getting the device approved until we changed to CIGNA health insurance. They approved the Dexcom G6 during our first month of coverage. When the new monitor Dexcom G7 came out, I switched over to it. This is where the trouble began. They denied the G7 because "they didn't have prior authorization." I contacted my Doctor, who sent them the authorization for it to then fax number, Cigna does not have an email. After several attempts and multiple responses from Cigna saying they did not have the authorization my Doctor logged into their portal.

I contacted Cigna about a wrong package being delivered, they could care less about it or getting the right package delivered to me. This is for Cigna Health Insurance, Tennessee. I wasn't able to see many of the doctors that were in network in the city of Knoxville. When I went online to see the doctors that I got off of My-Cigna, I'd make the appointments and they'd say something to this effect. I just sent the paperwork in for us to be removed from Cigna. I'd also get, "We don't accept," but then I'd call Cigna and they'd say, "They are in contract with us."

I used to love Cigna Healthcare, but it seem now they take my premiums and just deny everything since I actually need to use my insurance. I have a torn rotator cuff that has caused a cyst in my shoulder and a 50% torn coracohumeral ligament that is split down the middle. Cigna approve my surgery under my secondary Cigna plan as medically necessary, but denied it under my primary. Make this make any kind of sense!

They haven't been able to get my meds right. If I were a stupid person I probably would have OD'd on my antidepressant. There is NO communication. So, you best be highly aware of what you need to take, HOW MUCH you need to take and when you need to take it. Don't try to fill a script that you need right away. Because ALL their meds take between 10 and 14 days. And the fact that they won't issue a 90-day supply unless you go through them, it's freaking ludicrous and effed up. Making you decide between convenience and cost. THEY ARE A CRYSTAL CLEAR VISION OF WHAT IS WRONG WITH THE INSURANCE INDUSTRY. Stay away from Cigna and Express Scripts if you can.

Been with them for 4 months because of new employer. Horrible company. Customer service is in another country. My daughter is almost 4 years old and was born with a rare condition. Cigna told me incontinence supplies (diapers) were covered because it's medically necessary since my daughter cannot walk. She is also pretty verbally delayed so she is not potty trained. They denied the claim once. I called and was told to get a letter from the pediatrician stating her condition etc. and upload it along with receipts. I did that and both claims were denied again. They've denied her physical, occupational, speech therapies, saying they weren't medically necessary even though my daughter has had 7 surgeries to date and there is medical records miles long. After claims were appealed by therapist, they will pay one , then deny others. Horrible company that I would NEVER recommend to anyone.

I submitted two separate covid test claims on the same date of service because my local store only had 2 tests in stock in store so I ordered the other 6 online. I submitted the two separate receipts because they were purchased separately. The first in store purchase for 2 tests $19.98 was processed no problem. The second receipt for $59.94 for the other 6 tests was delayed. Since it was the second time I had a problem with an online receipt, I contacted customer service. 4 different chats later the claims have been combined and the $19.98 was deducted from the $59.94 and the second check has been processed for only $39.96. Instead of adding the two together for my total for 8 tests of $79.92 they deducted one claim from the other. Hours of chatting only to have it be more botched in the end. I chatted for another 1.5 hours this morning only to be told “Visa fees aren’t covered.” They are trying not to cover these tests, a government mandate!

I cannot emphasize enough that Cigna should not be your choice for medical insurance. I have been fighting to get a covered reimbursement for nearly 6 months now. I call more than twice a month, and every time I stay on the phone for more than 2 hours, am transferred between 3 different departments, and still no one resolves my case. I have had two different associates submit my claim on my behalf, and I have still not received my reimbursement. Do not choose Cigna--if you ever have to pay out of pocket for a medical procedure, or in my case just a regular check-up, you will never see that money again.

Our company switched to Cigna last year after being with a very good provider for a number of years. Part of the reason for the switch was based on promises from Cigna that they would be able to meet the level of service that we had with our previous provider (not the case). Ever since the switch it has been an absolute nightmare to work with them.

We had Cigna during 2022. Every month there was an issue with billing. The first month, they double billed my account the same day, putting our bank account overdrawn. The next month, they turned off our coverage, by their own customer service agents admitting it was a computer mistake, and I had to ask them to turn it back on. Also in Feb their rewards program, which offers points to use towards gift cards you can use to pay your bill were never rewarded, ($75 dollars worth to be exact) were never credited or sent even though multiple customer service agents promised it would be.

What a joke! I have been dealing with claims from August, after many phone calls and an appeal process NOTHING has been resolved except a collection notice from the provider. I have called more than 5 times since my Appeal approved letter on Nov 8th, to be told everything was being done, hours reading over notes, supposedly resubmitting claims, all to find out the person before did NOTHING. Today, is the 10th day from my last call that the claims were resubmitted and guess what?? I was told that the claim decision was upheld on 12/1. I was never told of this decision in my 5+ calls and do not show anywhere a change in the claim processed date. If a claim has been reversed and resubmitted, wouldn't there be a new claim?

I have Cigna as my health insurance. I recently had surgery and the surgery center collected what I still owed on my deductible. As a result I understood that I wouldn’t have any more out of pocket. How naive of me! I started getting bills from the anesthesiologist which I felt was an error. When taking this matter up with Cigna they claim that my deductible wasn’t met so I am responsible for paying the anesthesiologist bill which is $400 in addition to the $1600 I already paid. They will always find a way to gouge you. Very disappointing but I feel like every insurance company is the same and will take every opportunity to not pay a claim. Shame on Cigna.

Cigna is totally confused. I have a dentist that is in their network and sometimes they process the claim in network and sometimes they process it out of network. The dentist is on their website and indicates she is network. When I called to get this resolved it's been over a month and it still hasn't been resolved.

A very close friend of mine with breast cancer called to get coverage and they told her she could not get coverage because of pre-existing conditions. Clearly against the law as confirmed also with Massachusetts Office of Consumer Affairs. That said, my previous experience with them, a while back when they were my work insurance is that they will take every opportunity to decline claims; that included a visit to the emergency room.

They helped set my insurance up and found a doctor and mental Health provider. I recommend this company because they have great customer service and affordable. It has been a great experience and received appointments the 1 the same day, the other 2 days later.

I had two terrible experiences with Cigna last year. One I had an accident so doctor suggested physical therapy, so I went for physical therapy for in network doctor. After paying deductible I got a bill stating that cigna only pays for 2 sessions since they decided that 2 session only needed and sent me a letter that I am responsible for remaining 6 session after a month not during the physiotherapy sessions. Second, my daughter has ear infection so I called them asking that I found one in network doctor and surgery center name the executive said I am only responsible for deductible after surgery. They told me that the surgery center is out of network and I am responsible for about $10000 bill. I never had a problem with UHC before. I just used to pay the deductible info provided by service provider's front desk, not received any extra bill.

Avoid Cigna at all costs, first it took over 470 days to make a payment to a dental office I had visited, First the CS rep lies to me that they made the payment, then the story changes that they did send the check directly to me to make the payment, but by the time they claim they send the check I was no longer living at the address they had on file. Finally they processed and made the payment to the dental office, Two day later I get a letter from their collection company seeking to recover $130 of an imaginary check that I cashed.

My company uses Cigna so, by default, I am using Cigna to cover my family. My entire network of doctors was dropped AFTER the renewal period. After searching for a new PCP and visiting him, Cigna denied my medication-stating that a pre authorization was necessary after spending about two hours on the phone with representatives. Great.

The Plan Details provided before purchasing Dental Insurance state that if you've had 12 months of coverage before signing up, any waiting periods for Class II and Class III dental work would be waived. I had 12 months of previous coverage for both Class II and Class III dental work, however when I went to get dental work done, I was denied the benefits due to the waiting period. Their next step was to appeal the decision, which I did, providing proof of previous coverage and the materials found on their website stating that the period should be waived, however, they still denied me coverage and denied the appeal. The only recourse now is small claims court.

I was diagnosed with metastatic breast cancer in the beginning of 2022. The meaning of metastatic breast cancer is that the cancer has spread. This company has denied very important tests (Pet Scan), and now radiation (standard protocol for someone with my diagnosis). This has caused extreme stress for me and delay (time is very important when you have cancer) in care which is completely irresponsible of Cigna. They supposedly have a 3rd party approval company called Evicore. Ridiculous!! They deny me even after "peer to peer" with my Drs. who speak with them and tell them it is medically necessary. Please, please, please find another insurance company if you have health issues and want to live. They prefer you die I guess, costs less for them.

Cigna recently dropped our #1 hospital provider and pharmacy in one fell swoop while simultaneously raising rates as of 1/1/23. Our family of 4 needs to all find new doctors and a pharmacy after established care we have had for years. I'm praying my company now returns the favor and drops them come enrollment time this year.

My Orthopedic Physician suggested Back Surgery for for a multiple reasons. I am new to Cigna and I’ve heard nothing but nightmare stories regarding this company. Not only reading reviews but in the news. I regret my company left Blue Shield for this Low Budget Insurance Co. DO NOT SELECT THEM FOR YOUR INSURANCE NEEDS not even for Medicare.

Yesterday, I received a letter stating that my wonderful dentist is no longer in network and would be considered out of pocket. I was stunned especially with receiving this letter AFTER the enrollment period ended in November.

All I wanted was to find eye doctor. So I used Cigna website "find a doctor" option and searched for an eye doctor. All I got was nothing, no eye doctors!!! So I called Cigna customer service and after 3 calls someone suggested to contact EyeMed. Rep with Eyemed told me to go on Eyemed website. I did and tried to establish an account but when I entered all the info requested I was informed that there is something wrong meaning I can not get an account. Here I am trying to find an eye doctor but it is impossible with Cigna. I wish I could go back to previous insurance company where I could find eye doctor in 2 minutes.

The worst company ever. Please don’t waste your money and avoid this insurance company at all cost. You will be paying premiums for no insurance. Unethical, liars all the ways. Absolutely no support at all, they will just give you additional unnecessary additional stress. They will not help you and never provide any services mention in their website.

When I had a dental cleaning in June, I found out mid-year that my dentist was no longer in the Cigna DPPO Advantage plan, ie. I was charged for a cleaning that would have been totally covered for in network dentist. When I went to the Cigna site and logged in and requested listing of in-network dentists for my plan nearby, the list was long. However when I started calling the top ranked dentists, they said that they no longer were in the network. One office said it was because Cigna had significantly decreased the amount that they would reimburse the dentists. So over $500 in premiums for one cleaning that ended up not being covered!! Obviously I am choosing a different plan for next year for only a few dollars per month more. All dentists that I have contacted said that they are in-network for the new plan.

Thank goodness if no our insurance anymore the worse company ever, we've been claiming with them a dental service for 4 months, are disrespectful in treating people, you can't see the claim because supposedly the dental cannot be done through the website, why but they do not explain that in their site. Since we call for an update the representative informed us that you have to do it by phone with representatives and you send the information by private email, so far they have made me do the process 4 times, and you don't receive any call or notification anything, and when you call them always missing something according to the person who answers that is always someone different and you have to be 45 minutes explaining everything again. To this date we have not received any response since the claim was made in September, a health insurance shame, there is no respect for the patient.

Don't waste your money. You can't even cancel your service conveniently. Sitting on the phone on hold right now and these arrogant ** telling me to get vaccinated like they know what's best for me as an individual when literally every human body is unique. Spend your money with a health insurance company that is not utter trash. Oh yeah, and they don't pay for anything that they say they pay for. They exploit loopholes and use excuses. Typical unethical, greedy, scumbag company.

I have Dental HMO coverage from CIGNA. It covers 2 cleanings a year. This is the definition of bait and switch, and I would be happy to be the prime on a class action lawsuit. I have been to all of the companies in my area who take this insurance. None of them will perform the cleaning. They demand a separate exam session prior to the cleaning where they will tell you that the Doctor has determined that you need a "Deep cleaning". I went to a separate Dentist, unaffiliated with my insurance and asked them to perform an exam and cleaning to determine if I needed a "Deep Cleaning". They said no, and were aghast that a Dentist refused to perform any cleaning and were holding hostage my Insurance provided cleanings to the large up-charge to perform "Deep Cleaning".

I am currently being treated at The Mayo Clinic, the top rated hospital system in the world. I have a condition called Tracheobronchomalacia, which is very rare in adults. In addition, this is being exacerbated by paralysis of my right diaphragm. The specialists at Mayo ordered a diaphragm plication, which they believe will not only improve my breathing but may lessen the collapse of my airways due to the diaphragm's current paradoxical movement. Cigna has refused my surgery, their medical director (who has never seen me) decided it's not medically necessary and has overruled an entire team at Mayo Clinic for a procedure which may save my life.

Updated on 09/12/2022: The company responded to my review almost immediately but when I emailed them like they asked, nothing. No response. From what I've been reviewing online about letushelpU@cigna.com, it seems like a lot of people have the same complaints about the company making it look like they are concerned by posting "let us help you" in these reviews, but they don't actually do anything when it comes time to meaningfully respond. So sad.

Do yourself a favor and avoid this insurance company at all costs. As others have mentioned when you don't need anything special they are fine but as soon as a problem arises is when you find out just how truly awful this company is. I had an issue with my account and was issued a new ID number in April of this year. When I was issued a new ID number they failed to carry over all my medical claims from January-March and basically reset my medical deductible. I noticed this in May when I started receiving medical bills with large out of pocket costs after having already reached my deductible under my old ID number.

Do not - under any circumstances - get health insurance with Cigna! They will not help you! We were with them all of 2020 without issues which must’ve mostly been because we didn’t need much beyond a few routine visits for the kids. In spring of 2021 we fell under a “system error” that caused us to be re-enrolled with a new number & account. This started an avalanche of issues that should’ve been easy to fix but their customer service is absolutely useless! We started to get more and more bills that were declined, until we figured out that we had a new insurance number, which no one ever told us, and for which I haven’t received any insurance cards to this day even though we’ve requested them at least 3 or 4 times and were assured “they’re on the way”.

What am I paying for??? First, they decide to not cover my brand name prescription...Tried to get it pre-authorized through my doctor (because the generic did not work as well for me) but NOPE, they said, "You have to pay for the whole prescription." So, after researching and talking with my doc, we decided to try the generic again for 90 days and do blood work to make sure I responded well to the generic. She sends prescription into CVS for me...Guess what??? CVS says I need pre-authorization from Cigna first before they can fill my prescription for a GENERIC???? What???? 3 hours of my life wasted...Finally the customer service rep gets in touch with CVS and authorizes my prescription!!! REALLY??? They will do anything not to pay for what you pay (A LOT) for to be covered for BASIC things. If you have a choice...don't choose Cigna!

Absolutely a nightmare dealing with this company for my Medicare Advantage plan. I could write several pages about it from my extensive notes on all their screwups. Very hard to find a well reviewed PCP that accepts new patients in Central FL. As to a Dentist you have to travel at least 45 min away to get one and 3 months later! The first PCP I had was Adult Medicine of Lake County and they screwed up my paperwork on numerous occasions so I had to switch PCP's right away. Switching to a new PCP - I was told I could see the new one 13 days later at the beginning of the next month but they screwed THAT up. So I had to wait til the following month because the CSR at 800# didn't do the paperwork to get it done. So I lost 2 months right at the beginning just trying to get hooked up with a Primary Care Physician.

Poor coverage. Cigna will take your coverage payments and work to avoid paying for services your PCP is requesting to determine the best care plan. They get third-party doctors who have no idea what your condition is to review referral requests for services by your PCP to determine coverage approval or denial. You could be in a ton of pain, and they’ll make you wait and suffer before they approve services, making it difficult for your PCP to develop the best care plan. Highly not recommended. Unfortunately, this insurer was chosen by my company after leaving United Health Care, not that they were much better, but compared to Cigna, UHC was above Cigna.

I tried going to a chiropractor, and was denied after 8 visits. I tried going to a physical therapist, and was denied after 8 visits, then approved I guess, then denied again. The stims and heat applied to my back was really helping me with my sciatica nerve pain. The theragun massage and stretching was also helpful in relieving my chronic pain. I am getting the message that Cigna and ASH together both feel that I should live in pain. When I call Cigna they point the finger of blame at their 3rd party nonsense provider ASH - American Specialty Health, who actively has their fingers poised over the DENY button. Terrible experience. I guess if I had known ahead of time that signing up for Cigna was actually like signing up for WHO KNOWS WHO depending on what type of help you need, I simply would not have signed up.

Sister in-law had major stroke and insured through Cigna. Has long term, short term and critical care coverage. After Nuero ICU was moved to acute care rehab, then approved for skilled care facility by Cigna. 8 days later called and said she had to be out in 2 days. Gave us a list of in network facilities. 3 weeks later still going through their list and yet to find one they will approve off of THEIR LIST. They had no problem collecting premiums for 10 years, but are worthless when needed

In July of 2021 they excluded all continuous glucose monitoring devices and supplies from medical coverage and said they needed to be covered through pharmacy insurance. These devices are a necessity for any type I insulin dependent diabetic, like myself. I has also been using these products through medical coverage with Aetna since 2013 and Cigna starting in 2020. In May of 2022 they excluded CGM devices and supplies from their pharmacy coverage with no notice or explanation. Costs went from a $25 co-pay a month to $422 per month.

Until recently I've barely had to use my insurance aside from prescriptions and the occasional checkup. It was ok for that, although co-pays were higher than my previous insurance. My wife had to get emergency surgery about a month ago. The ER wouldn't let her go home and a surgeon was called in first thing in the morning to do it. Cigna wouldn't cover it so we're in massive debt because we had to save her life. I've been trying for months to get bariatric surgery so I have a chance of walking again. Cigna gave my surgeon a huge list of requirements in January and for 5 months I've been fulfilling them all, spending thousands out of pocket for supplements, nutritionists, and a CPAP machine. 6 days before my surgery data Cigna calls my doctor and says they're denying covering the surgery and I have to cancel it.

I had to switch from Blue Cross/Blue Shield for 2022 and my share of my medical bills has gone up exponentially with Cigna. Stating medication went from $8.18 for 3-months to $70.01 and I had some ongoing physical therapy (3 sessions) and it went from $21.33 cost to me to $60.00 cost to me - exact same people and places I was using before and I haven't hit my deductable in years. I can pay cash w/o insurance and do better. Cigna sucks!

Cigna health insurance, specifically medical, is not great. What makes them awful are all of their extra 'hoops' and red tape you, the customer, has to go through to get simple things done. They have so many restrictions and processes and 'red tape' customers have to work through just to get the basic needs, let alone more high-value medication and procedures. If you have a choice, I would not recommend using Cigna as it creates more headaches than it's worth.

Jasmin ** is a customer satisfaction team representative who has ignored my calls and emails since being assigned to assist me. When I call Cigna directly, I am almost ALWAYS hung up on when I ask for clarification on my coverage. I now have a provider refusing to treat me because they say I owe toward the deductible on my family plan. I do not have a family plan, yet Cigna has told my healthcare provider that I do. Cigna has also had the incorrect mailing address for me since January (it's May) so all providers are 60+ miles from where I actually live. I have called no less than 15 times to have this changed and they tell me every time that it has been done. It never has been. I do not receive mail from them because it goes to the incorrect address.

We were traveling overseas when the biggest nightmare of our life began, and my wife was diagnosed with breast cancer. It has now spread all over her body, and Cigna is declining to cover the only treatment recommended by three major medical systems in the USA, including UCSD and Scripts MD Anderson, which will help save my wife's life. It is beyond comprehension how they can do this. It should be criminal. Read the fine print. They decide in the end what you can and can't do so good news just skip the doctor, bad news Cigna does not have your interest or survival in mind only money.

Tried to delay my dental insurance by one month due to retirement issues. Initial customer service rep stated date cannot be changed but she will change the status of enrollment to 'not enforced' and she will get back to me on how to proceed. She did follow up but had to leave me a phone message saying date cannot be changed and I should call back. When I called back, I was transferred between multiple reps, each one simply repeating the statements of Privacy Policy but got nothing done to resolve the enrollment. The last one simply hung up on me. Thinking that maybe my phone got cutoff, I called back and explained I was being helped by rep XYZ regarding my enrollment and whether she could conclude the enrollment. She just put me on hold and 20 minutes later the line was cut off. Pathetic service.

Cigna outsources decisions to a third party eviCore (aka evilCore) who routinely denies treatment. Ever since I was diagnosed with cancer they delay my treatment or reject claims outright that are standard of care. This is extremely frustrating and adds more stress to my battle with cancer. Avoid Cigna if you can. They are the worst health insurance company I have dealt with in my life. Even when I appeal reasonable claims, they still reject them.

Don't waste your money or time. I have spent more than six hours on numerous phone calls trying to settle one of a large number of claim that have not been paid yet. They say one thing and then when I resolve any issue then they say the same thing.

Worst insurance company I've had the displeasure of working with. They are liars and scammers. I've worked with many insurance companies throughout my career but none of them have been like Cigna. They have the worst and the most incompetent customer service. I submitted a claim a year ago and after 4 calls, I still haven't been able to get the claim processed. Their customer service keeps hanging up on me or just passing me around for hours until I have to give up and call back another day. When it comes to payout, I believe their policy is to drag the process out as long as possible so you would give up.

I had an injury and I needed an MRI, it's been more than two weeks and they didn't yet approve the preauthorization. I submitted other claims for psychotherapy and they never approved it. It's pointless to pay premiums and high deductibles when you get all the claims and preauthorization stays pending forever! I've been with Carefirst for years and I didn't have such issues and I never had to worry deal with all of that. Even the procedures with carefirst I didn't have to worry about following up with them. If you got the option to choose any other than Cigna do that!

My wife cancelled her insurance with Cigna for better option in the mid of December 2021 and their representative took a recorded statement from my wife to cancel the policy but Cigna kept sending us bills for the premium after charging the month of January and claimed that they have no record of the cancellation. Called the market place and they can't issue a refund. Very frustrated with Cigna and their charges. Cigna right hand does not know what the left hand is doing.

We have been insured with CIGNA for over 10 years and I have never had a reason to switch. They offer great programs, tips and reminders that allow their subscribers to care for their health even before a negative health condition happens. Personally, I got my life back after seeing that they offered the program "OMADA," which provides health coaches and individualized support on weight loss or just living a healthy lifestyle. I have lost 20 lbs and through this program I now understand the effect of my eating and lifestyle habits on my overall health. To top it off, it is available to their subscribers at no additional cost! When you call in with any inquiry, their representatives are friendly and very helpful. They always go the extra mile to help as much as they can.

1. Most providers listed on the Cigna website, are not in network.

I was covered by Cigna in 2021 through the marketplace, which is an incredible platform. However, I had financial difficulties paying by the first of the month. Cigna repeatedly informed me that because I enrolled through the marketplace, I have 90 days to pay each monthly premium and I always did ... just after the first of the month. Then suddenly, I received a notification in the mail that Cigna cancelled my plan and they refunded me last month's premium payment. I was stunned. They said it was because I didn't make my last payment by the first of the month. This led me to believe that they don't comply with the 90 day rule they mentioned earlier. The emotional distress was devastating.

Forced to pay for an insurance that we cannot afford to use. High deductible, $3,000 a person, and on top of that you pay 20% in network and more if something in a hospital stay is not within network. An emergency hospital stay cost us about 65,000 a few years back. Our great credit was threatened by mafia medical establishments. We will die before going back to a hospital. We don't get screenings because - what's the point? We don't go to doctors except for an yearly physical because it is covered only to keep up on small scripts we use. American healthcare is evil. The whole lot of providers on all fronts are evil.

My wife and I spoke to a very charming contact person at Cigna who quoted us a very attractive prices for Medicare supplement policies which turned out to be totally wrong. In the used car business this is called "lowballing". Essentially we felt like the low price quote was simply to get us in the door where we found out that the price was actually much higher than the quote. When we were informed of the higher price on one policy we were told that they had done us favor which they very seldom do by re-quoting the higher price. On the other policy, they quoted a low price and then denied coverage completely. THEY TOTALLY WASTED OUR TIME. I suggest that this company be avoided. Thankfully we found another company to do business with.

My current job provides Cigna PPO insurance. I've been shocked to receive huge bills for routine preventive care. I went in for a physical. My doctor ordered a blood test, I went in to do it, now I'm facing a bill of nearly 500$. I followed up with Cigna on this and received totally conflicting information about why. I had to file an appeal and got no response, meanwhile I have a collection agency after me and my credit could soon be destroyed. Similarly, I went in to get checked for skin cancer, now I am facing a bill as well. Every other insurance I have had has covered preventive care. Before accepting a job, check to see if they are using Cigna. If so, run far, far away!!! I will probably have to switch jobs to get better insurance. I shudder to think what kind of bills I would received if I actually became ill.

Terrible company. I receive long term disability from this company after an injury. They tell me my checks are issued on the 7th each month which leaves 3-5 business days for processing. This month they didn’t issue it until the 9th which is a day before the weekend which makes for an extended wait period unlike the respective 7th like they told me.

My daughter has a contract for 30 physio and they declined the approval after 6 only as she got the same spasm before. I tried to explain that she was in good condition while we are doing the contract and this spasm could happen by accident but with no use.

I am Cigna Preferred Medicare (HMO) customer for past 4 years. RE: Denial of hearing aids purchase claim. Problem, customer service providing wrong information and Grievance Specialist Haley ** standing by them and without addressing the issue and talks about protocol and protecting the customer service and their liars. Never purchase Hearing Aids from Cigna provider Hearing Care Solutions as they cost 4 times more than Costco Kirkland brand manufactured by Phonak’s parent company Sonova costing only $699.99. Cigna provider charges $1,800 more than Costco for 1 ear hearing aid.

CIGNA is the single worst healthcare provider in the business, if you care about your employees' do not get CIGNA coverage. Claims are denied seemly at random or to save the insurance company money even if the treatment is prescribed by your doctor, prescriptions are treated the same way. Everything goes before a Review Board with no past medical history of the insured only using what it will cost CIGNA. There is no recourse with the Review Board nor a way to contact them directly, even my doctor cannot reach them. I am recommending that our company switches back to Blue Cross Blue Shield. I had no idea that an insurance company could override a doctor's direct orders.

I am a physical therapist in New York, and I have been in practice since 2000. I presently run several outpatient practices, and we have been out of network providers with Cigna since 2008. I am absolutely appalled to see how unethical and incompetent this company has become. However, the current issue I am dealing with supersedes everything else we have been through with Cigna. Starting in February 2021, I began working with a young patient. I was instructed to email her claims to GHB Anthos (a division of Cigna International) where they would presumably be processed and I would be reimbursed. The claims were submitted on a Standard HCFA form, as instructed, and in the interest of saving paper, three dates of service were listed on each form.

The worse health insurance to have. Always call hold time is between 45 minutes to hour and half. For the Covid related bill I had to fight with them for 7 months and finally had to get my employer involved. Bills are extremely high for their doctors, every physical therapy session cost me $80. This needs to get better. I am on hold right now since hour and 15 minutes and wanted to see where can I go to file a complaint but did not find any platform. Hope this review help others. I wish I can give them -0 stars but don't have an option but to choose one star. Thank you.

Cigna sucks completely. I've been on less than a month and I already hate it. I pay about $377 a month through healthcare.gov for them and they still don't cover anything besides a visit to the doctor. I have a $5,000 deductible I have to meet before they will pay for anything. I'm experience acid reflux issues and had to turn down the testing my GI doc wanted to do because I can't afford it. BlueCross is literally the only good insurance on healthcare.gov. It's a little expensive, but their copays and deductible are much lower. Definitely switching back in January. They also don't cover about 1/2 if not more of all medications. Even if they do cover it they have insane restrict on dose and # times of day. When I switched to them I had to buy a Walgreen Prescription Saving Plan to cover most of meds. I'm on 2 mental health meds that were difficult to get right and I refuse to change them.

Quite possibly one of the worst insurance companies, I have Cigna PPO Preferred through my employer and pay extra for the higher tier. Well that doesn't mean anything, everything with Cigna is denied by their evaluating company "Evicore." My 18 year old son had an injury to his hip and saw an orthopedic who referred him to physical therapy, Cigna/Evicore denied it saying there was no medical necessity, after appeal was approved, co-pay was $600. My son was sent for an MRI, was originally denied and after appeal was approved, co-pay was $400. Multiple medications denied, not covered even after my physician sent in several requests for authorization.

I have top-of-the-line health insurance from Cigna that has no copay or referrals required and allows me to see a Massage Therapist for up to 50 visits a year. Before seeing the Massage Therapist, I verified with Cigna, and they confirmed the coverage. In 2019 and 2020, I sought treatment for the pain I was experiencing. I went to an in-network Massage Therapist and they also confirmed my coverage with Cigna. Cigna denied 27 visits from 10/2019 – 11/2020 through their affiliate American Specialty Health Group, Inc. (ASH Group) stating that my pain level was moderate and only rated between 5-7 (on a scale of 0-10) and that I should seek self-care.

Hi, I have been customer with Cigna since 2019. Last year, I have reported claim for my son with special needs. The amount of claims were more than my normal claims. Cigna for one year has been ignoring me and not processing these claims. If you call the phone they tell me they would call back and never call back. If I email, I receive reply that my email will be answered in one business day and they never come back. It looks like they are doing all they can to not pay me my son's expenses.

Cigna Medicare Advantage provides up to 35 hours per week for "Home Health Aide" (see photo). The problem is Cigna does not have providers in most States to provide this service they sell to the elderly. I have spent about 20 hours on the phone, trying to get the service for an elderly family member. This included up to 2 hours hold time (see photo) and two emails addressed to the CEO.

Cigna claims to be a healthcare company but they are simply an insurance company, your health is not a concern for them, just as long as you pay. We call them, find out what care providers are covered, then after the visit we get a huge bill and Cigna states it was "out of network". They won't send you this in writing, you are not allowed to record them on the phone, so at the end of the day you have a huge bill and their word against yours that it was supposed to be in network. This has been going on for the past 2 years years and despite all the requests Cigna refuses to acknowledge us. We are now over $14,000 owed because of this. We cannot afford an attorney, Cigna is the only choice for my company, so we are stuck. I can no longer go in for even a basic checkup (last time got a $1200 bill) so now if I am injured or sick I have to treat myself. I wonder how many other families they are destroying?

Worst ever! They won't authorize a CT scan I desperately need to see what's wrong with me. They have the imaging scheduler listed as the POC but because they denied the scan originally, I had to reschedule and she is no longer the POC. Meanwhile my dr isn't getting any info and CIGNA criticized ME for acting as go-between to see what's going on and expedite the scan! The reason they initially denied the scan was due to missing paperwork which has been sent to them since then! Half the people I talk to are non-English speakers making communication that much harder. And none of them care...I'm scared I have cancer and I break down crying every time I talk to them and they DO NOT CARE. My dr wants me to get the scan out of pocket which I may have to despite paying for insurance already.

I've been taking this beta blocker for nearly 6 years. I've been diagnosed with lupus since 1998 and have had a kidney transplant since 2011. I also take another BP med, **. Traditional Medicare and then WellCare, the Medicare advantage plan I had until I switched to CIGNA (EXPRESS SCRIPTS), both, covered this medication. I switched to CIGNA in April, they filled all of my meds 1 time, and when I needed a refill of this medication in July, they refused to approve the prior authorization. I and my cardiologist have exhausted appeals (4 or 5) AND have completed the assistance form directly through the drug company, which denied me, because CIGNA denied me on the basis that they know more about my diagnosis than my cardiologist.

I wish I had stayed with Kaiser. Half the doctors on this HMO list don't take this insurance any more. The other half are booked for weeks and months out. You better get good at deciphering all things insurance, get licensed as an insurance professional or you will get hit with a bill. Also you need to get good at figuring out medical groups and waiting for months for approvals and appointments. If you want to change your doctor, sorry that can take 6 plus weeks depending on when you let them know. These people caused me thousands of dollars in bills. Just stay away!!!

Cigna is like all over insurances where coverage is not great and does not make sense. However, I imagine Cigna is better than most health insurances out there. I paid a third party app Instamed on Cigna’s website to pay a bill and Instamed send the money to the wrong facility and I had to spend months finding the money which was never found. Cigna took no responsibility and it was a nightmare figuring out payment.

THE WORST HEALTHCARE INSURANCE COMPANY. Used to have Horizon--MUCH better. All my healthcare providers say they cannot get approval and my prescription refills go unfilled with Cigna. DON'T USE CIGNA IF AT ALL POSSIBLE!!!!

I am a dialysis patient. I made the mistake this year of switching to Cigna. After a required prior authorization was secured for a commonly prescribed drug—**—their online pharmacy failed to refill when the 90 day supply ran out. After a two week run around, I asked the doctor to simply write another prescription and send it to Walgreen, rather than continue to chase my tail with ExpressScripts online pharmacy. Walgreens called to say there was a problem with insurance.

Cigna's coverage and customer support is below subpar. It is truly non-existent. Whether it's general health insurance or a dependent care spending account, be prepared for the following as a Cigna customer: denials over every claim, lack of transparency when trying to resubmit a claim, lack of follow up on Cigna staff when you put in a claim, and a battle for coverage of the most basic and necessary medical services.

My dental plan is OK. It is kind of expensive for me and my spouse. I wish that it was cheaper with lower deductible. There is a allow spending budget that you have to submit your own money in the beginning of the year but it works out well as long as you do not go over your spending allowance. Lawrence crowns is extremely expensive. Sometimes more than the procedure itself so it would really help if I can find a plan with loaded doctor bills with Monthly payments and no hassle.

While Cigna is a good plan they pay what I believe to be far too little of dental bills. Extractions used to be far less than fillings. Now they are the same, sometimes more. Fluoride treatments can cost $100. Granted dentists are charging more, but dental insurance seems to be paying for less.

On November 6, 2020 I suffered a heart attack while out with family and was rushed to the nearest ER hospital. Due to my condition I was kept and placed in ICU for 4 days. Upon release, I found out is was "out of network" but was informed that due to my medical emergency that I would be covered at the "in-network" rate. Only thing covered to date was the ER visit, and I'm left with $45,000 medical bill because Cigna keeps denying payment due to hospital coded ER visit correct but not the ICU stay (coded as "in patient"). As clearly stated my ER visit resulted in my ICU stay as I almost died. Went back and forth with Cigna to reach out to the hospital for corrected coding which was done according to each representative I spoke with in regard to the claim.

All Dentists are expensive, Cigna mostly is covered and associated with Aspen Dental. They are very expensive STORE that mostly pushes other procedures to pad the bill. A very low score on my part. I have been to them twice and they wanted to do 5000 in work, my wife just paid $5000 in work that took 1 year to complete. She is still having problems with the fit and finish of the partial. To get adjustments are 15 dollars a visit on top of the $ 5 grand already spent. Not happy at all.

Total scam. After waiting for 30 minutes the representative hung up the phone on me. For this terrible service I might as well not have any insurance at all. It's the worst thing to be unwell and in need of insurance only to learn what a miserable scam they are. Moving to a different provider.

I have been diagnosed with a herniated disc in my neck which has me in some pain and restricted movement, the neurosurgeon recommended some shots in my neck to relieve the pain but Cigna denied this and had me do physical therapy, therapy has made my pain a lot greater and really I am at wits end at what to do, I have communicated with Cigna to no avail. I have been taking a nerve drug that leaves me sleepy and being a shift worker makes it hard to stay awake on the job. I would advise anyone to stay clear of this company at all costs.

Worst experience of my life. My surgeon requested a precertification for surgery and a one day observation in hospital. Someone put it in as a hospital stay but did not code the actual surgery on the precertification. I spoke with over 5 people and none of them would listen to me. They kept saying the hospital stay was approved but not the surgery. So I guess they were willing to pay over $45,000 for me to sit in the hospital and THINK about surgery but not actually get it. The surgeon is the one that requested the precertification, not the hospital. Then after I filed a formal appeal they found the original request with the paperwork and lied and told me the doctor finally sent the information 2 days earlier. I was in touch with my doctors office EVERY day and they never sent anything post the approval.

I am a physical therapist in private practice. I have been working with a lovely family (mother and daughter) who very much needed my services. When I spoke with Cigna, I was promised a certain reimbursement rate. I submitted claims in the way that was instructed to me by CIGNA international. However after many weeks without any kind of reimbursement, I contacted the company and was told my claims were lost. I resubmitted and continue to wait. This process occurred 4 (FOUR) separate times! Apparently the people working there cannot keep track of my claims and they continued to be “lost” and subsequently resubmitted.

I recently signed on with Cigna because of their diabetes care plan. I was told they accepted my endocrinologist with whom I've had a wonderful doctor/patient relationship and my care was top notch. Less than a month after obtaining Cigna my endocrinologist was "uninvited" and are no longer in network. Cigna was unable to tell me (or them) why. They sent me an email of a short list of in network endocrinology providers but it was sorely lacking. Half of them were not accepting new patients and the other half were incorrect phone numbers of gastroenterology doctors, not endocrinology. For a diabetes care plan this is poor form. I'm extremely disappointed with their decision to eliminate every endocrinologist in Raleigh.

I paid for Cigna Dental through USAA a few years back because there seemed like a good deal. I used them for basic Dental at first and was satisfied. When it came to paying for anything that required more money is a whole other story. (Yes whole OTHER). I got Invisalign to help improve my smile. Cigna only pays up to $1000 and you have to wait a year before you are eligible to use it. Throughout the year of 2018 and 2019 I have been late a couple of times but only by about a week or shorter. Well my 1 year to use to orthodontic benefit was coming up in September of 2019. I paid my bill for August but I was late for September. Mind you, they usually send a notice and tell me that I'm late but not this time. This time they sent me a notice telling me they are canceling my policy for nonpayment and get this, the back dated my cancelation for August 31st 2019. Yep, very messed up.

This company steals your money and gives you nothing in return. They charge you more than copays, they won't give you medicine, and they refuse needed cats and I need two cats and a year because of lung infection. They only allow 1 a year, I need maintenance meds. They only pay for couple months worth, we get charged for x-rays. They steal your money. DO NOT PURCHASE.. I would not insure my dog with this company.. If I didn't have to have this company because of my wife's work place I would not purchase.. WARNING BUYER BEWARE.

Cigna advertised all over my media that they cover COVID-19 testing. When my doctor ordered COVID-19 testing, Cigna denied it, saying they stopped covering THAT type of test, effective the EXACT day I got tested. Cigna continually loses and corrupts files that I upload via the portal or website. I will chat with a rep for an update and they continually state that my claims are nowhere to be found in their system. I have all the confirmation pages, and I have the documentation readily available in my own customer portal, but somehow, Cigna's servers and records never have the same information.

Cigna is the absolute worst. Their contracted rates with the doctors are double or more of other insurance companies contracted rates. I went from paying $45 a visit to $115 with the same doctor. Cigna does not seem to care about the people they cover. We are paying ridiculous monthly premium and still having to pay the highest contracted rates.

Customer service is easy to reach and they have always been courteous and ready to help. The wait times are always minimal. Claims are resolved in a speedy manner also. Would recommend.

We have Cigna because my husband company go with them. For a family of 4 we paid around $234/week. When I went to doctor and he suggested I went for a ultrasound, The cost was $331 and they cover $40.58, they made me pay $290.42. What a rip off. I would like to file a report or lawsuit against them. I hope people have the same problem like me, together, we should raise our voice.

They have been very good to me. Have been with them for many years but only needed routine cleanings twice a year. Excellent to work with. Paid claims timely. Now I will be needing more from them as I am going to need some cavities filled so I will see how well they handle this situation. For now I would definitely recommend them.

Coverage between plans is bad, they don't cover enough of the costs, in network dentists are spotty and poor selection. Premium is high for what you get. Out of pocket costs are high when you need several of the same procedures.

My experience has been seamless. My dentist provides me with an upfront cost for a procedure and my portion of the payment. There have been some cosmetic work that were not covered but I was aware of this. There have been no issues with re-coding or resubmission.

There are some things Cigna doesn't cover because they're supposedly cosmetic - like types of braces - that I would argue are more than cosmetic. They have improved over time though and cover regular maintenance and repairs.

As with any dental insurance it seem they do not want to cover much more than 50% at the most with anything major you need to have done. And with implants of any kind whether it be for dentures to lock in place which to me is not cosmetic...they don't pay anything. It would be nice to find actually dental insurance that was good.

We recently switched to Cigna because my work switched insurance providers. The way the coverage was described when picking a plan is not how it actually works, it read as our copay was 30% until deductible is met then 100% is covered, but no it's 100% copay until deductible is met than 30% until maximum out of pocket is met. Why is the monthly premium close to $1400 for 2 people for them to not pay? And to add insult to it, my wife has to take a vegan brand medication due to allergy to gel capsules, and there is no generic for it because they still have a patent for 2 more years, and they won't cover it despite having name brand prescriptions "covered" with a $50 copay. But they suggested other medications that are... CAPSULES, which will send her into anaphylaxis, but they're "preferred brands". This company is horrible.

In August of 2020, developed severe eczema, I had mild flare ups before but this time it covered my whole body and led to cellulitis on both feet. I was treated with antibiotics, oral steroids, and creams. It cleared up and less than a month late (after antibiotics and steroids were no longer being taken) once again I had cellulitis on both feet and eczema over my whole body. My GP, wound care doctor, and dermatologist all said I needed **. Cigna denied and wanted me to try another cream first (mind you have to cover my WHOLE body with this).

I as of the new year I switched over to Cigna, I had medicaid, and wouldn’t you believe it’s easier to get help from Medicaid plan’s customer service reps than it is this major commercial insurance provider. I have called 4 separate times and all reps have told me different things when it comes to coverage. I’m a type 1 diabetic so I require machines, technology, and many medications to keep on living day to day. I’ve had one helpful experience where a rep told me to call and ask for a “coach” to coordinate my care and transition from Medicaid to this plan.

I was 8 minutes late at a time Covid had started. I wanted to get checked out for Covid due to my symptoms and I was turned away cause I was late. How many times do we sit in offices waiting for a doctor? Anyways I was speaking with a nurse on the phone when a security guard with no form of people skills became aggressive and demanded I leave the premises. The nurse on the phone was appalled at what she heard. Cigna has gone downhill! I left Cigna all together and love United Healthcare. I love my doctor. Your health is not worth paying for a cheaper plan! Cigna has gone downhill.

Because of changes in my union's supplementary medical support, I had to change my (formerly included) dental insurance on 1/1/21. I chose Cigna because they had been decent in re: my supplemental dental earlier. Got a barely intelligible confirmation of registration with a demand for payment to complete enrollment. Online connections don't work, and no one is home at Cigna. Going on 2 hours Total frustration. No excuse for this!!!

I signed on as a Cigna customer last year. I bought a family health insurance policy and everyone was so helpful and efficient that I was amazed by the service quality. At the time, I was told that a preexisting condition I had would be excepted from coverage, but that if for a year I didn't have any treatment for it I could ask for it to be exempted before the annual renewal.

I called Cigna prior to having emergency surgery. They advised that I would receive 50% of the allowable amounts for my surgery, that costs $16,135.00, on a recorded line. The rep was very thorough. I submitted my claim & I received a check for $167.35 or 1% of the cost of the surgery. I returned their check because this was not the contract agreement they had with me & the school district.

This is the biggest scam and ripoff in the medical insurance industry!! I literally just paid $289.91 for an outpatient visit to a general provider. Their deductibles are ridiculously high! Stay away from this company!!

Hey Friends my self Ajay ** and I am having a health insurance policy of Cigna TTk from last 06 years. I paid all the premiums one time and not claimed a single penny from them. Last month I got Covid Positive and I got admitted in a Government Hospital. Total expenditure was just 5000/- approximately. I claimed for reimbursement but every day I came to know the new rules. Dear friends I request you to think million times before purchasing any policy from Cigna TTk. Thanks to all of you for reading my pain.

Updated on 05/26/2021: I canceled my policy in October. A month later, I got another charge to my credit card for that policy I had canceled. I emailed, I called (and waited on hold for an hour), I left a number for them to call me back -- no dice. You CANNOT get ahold of them. I then disputed the charge with my credit card company, and they gave me a refund in December. IN FEBRUARY, I GOT ANOTHER CHARGE FROM CIGNA. For a policy I had canceled four months earlier. It is now almost June and I still have not been able to get them to reverse this charge. Avoid Cigna like the plague (and we all know what that's like now). They steal.

I had a month and a half boss-mandated short term disability from work because my health was worsening and we didn't know why. Both my company and my boss had promised the appeal would go through without issue. I submitted all my paperwork, countless doctor's notes, and many other documentation proving that I met the definition of disability under my policy's terms and that I was due my compensation. Cigna denied my appeal without giving much reason at all. Case manager was rude and would never be available; no email or anything you just call and leave a message.

Cigna has postponed processing a claim for over 3 months now. I have actually paid all of my out of pocket expenses. But since Cigna is holding one claim I’m still having to pay copays and deductibles. Customer service reps are great but no one can tell you why. Terrible company with no communications.

I was recently traveling internationally and wanted decent health coverage in case of an emergency. I only needed coverage for 5 weeks. A sales rep was very helpful in getting me set up and the coverage seemed quite appropriate and comprehensive. Luckily, I did not have to use it. So far so good. Despite knowing my travel dates, I was not able to set up an end to the policy but was instead told to write to the company 1 week before I wanted the plan cancelled. My trip ended over 3 weeks ago and I wrote to them almost 4 weeks ago to cancel the policy. No response.

I have temporarily insured myself with Cigna for my stay in Switzerland. It states in the contract that to resign is enough to write an e-mail and they will withdraw from the contract within 7 days. When I wanted to cancel my insurance with Cigna I sent such an email and received an automatic confirmation e-mail. However after a month I was charged again. Every time I wrote emails, the same automatic replies were coming back! I was also unable to reach them on the phone that allows me to cancel my insurance. I expected an explanation why, despite the resignation from insurance and their confirmation that they had received such a message, I was still charged again the next month. Don't be fooled. Customer service sucks and so does their insurance!

This insurance is the best. 0$ to go to PCP. Specialist $5 copay, no referral needed. Customer Service is excellent. Mail order subscriptions are great. Great insurance. 3 month supply of scripts from Express Scripts,

I had recently a bad experience with Cigna and I tried to cancel 3 weeks ago but still they took money from my bank account likes nothing happen. I called many times and I ask why they not stop my insurance but they act like nothing happened. This insurance is not valid in Holland but they still continue to act like I want to be them client. I request my money back but still nothing.

I have dealt with Cigna Health Insurance for over 12 months to resolve an issue with my hospital bill. Cigna was supposed to generate a new Explanation of Benefits (EOB) which would reverse hospital charges and produce a refund to my account. I have spoken with them a minimum of 25 documented times, and now my hospital bill is in Collections. It was a simple request to regenerate an updated EOB. Each phone call involved transferring to multiple departments, dropped calls, promises to return phone calls which never happened, or promises to take action which never happened. I am still dealing with this issue and am extremely frustrated. Highly recommend STAY AWAY if possible.

I cannot afford to pay $500+ without assistance with ACA and plus when we spend money on healthcare we the people want to know if it’s used wisely. I am lucky that I can pay for healthcare. Only wish vision was included instead separately.

I’ve met my out of pocket and deductible so I wanted to make sure some things were covered at 100%. I called to see if a device was covered and was told it was at 100%. Then, just to make sure, I called a second time and the rep assured me it was covered at 100%. So I paid the $300.00 for the device only to find out that the company I got it from was out of network and I won’t get reimbursed anything. They never asked me where it was coming from but I told them and two reps still said it was covered.

This is my personal opinion: Cigna has put into place policies that make it very expensive, difficult, and stressful to get adequate healthcare. I have been in excruciating pain for more than a year and a half. Every step of the way they have denied care that my doctors have ordered, including imaging and medication. Their new policy for MRIs is the worst. Basically they are going to deny the MRI your doctor orders after making you wait weeks to find out, then you have to call your doctor and beg them to take time out of their busy day to do a peer to peer call with one of Cigna’s “doctors” to try and approve your MRI.

The PPO allows you to chose your doctors and see specialist without having prior approval but the deductible and co-pays adds up quickly even for prescription. The HMO keeps in the one group but the overall cost is usually less for visits but cost more up front with premiums. Depends on how often you see doctors and the types you see.

They cover hardly anything and have a high deductible. They are bargain basement insurance that employers use just to comply with the health law. It costs me around $100 per month. To get a plan equally worthless from Healthcare.gov would cost $500, so I'm up the creek either way. I pay out of pocket (entire cost) for all but one of my prescriptions and all of my primary care visits. Customer service is usually a long wait for someone who doesn't speak English, can't answer any questions, and can't find your information. We are screwed in the U.S. pertaining to healthcare.

Due to several chronic conditions, all well controlled, my MD recommends 2 wellness checkups per year. He considers this preventative medicine, but Cigna only covers 1 checkup annually. This is my only complaint, since close monitoring of existing conditions is proven to save costs for both insurance companies and consumers. As a state of TN retiree, I am very satisfied with the premium rate.

The service reps are good. But, deductible is too high. Difficult choice between choosing an insurance that your employer recommends and therefore, makes contribution to your HSA, vs. other options that have a larger list of providers to choose from, but are more expensive.

I would recommend because I have never had to sit for more than 5 minutes on hold and everyone I have talked to has been knowledgeable and very helpful, they follow up on how your tests or procedures have gone, easy to understand the app, etc, great service all around.

I am not real pleased with this insurance at all. The only reason I have it is because my work says that's what we have! Every time I go to the doctor they try to enter it in the computer and they can never get it to go either. I know that things change every day and sometimes we don't care for it.

I was recently admitted the hospital with concern for my heart. The first doctor that arrived indicated a pacemaker was recommended. To say the least I wanted a second opinion. The second doctor arrived and found with a few adjustments and rest that the pacemaker was not necessary. Through the whole ordeal Cigna worked to ensure all the bills were paid and the remaining balance was manageable for a two day visit to the hospital.

This supplemental plan has several add-ons that made it very inviting for plans in my county. I can pick my doctors & go anywhere nationwide. I wanted to join a gym & did but this plan requires me to pay another approximately $25 per month & that was not obvious to me when I signed up for this plan.

We’ve had Cigna through an employer and have gone Cobra this year. The customer service is fantastic. We’ve had little to no issues with services being approved. The website makes tracking claims easy.

Billing department is incompetent. My credit card used for auto billing expired. After receiving a letter I immediately called to provide a new expiration number and authorized a billing for the month due and the next month. A week later I received an email saying that I was delinquent. I called and was told that they had not received the prior authorized payment and was charged again. I then checked my credit card and found I had been double charged. I have been promised by Madeline on Oct 27th of a refund that 2 weeks later has not occurred. A call today gave me the same info that it will take 2 weeks to get a refund. Speaking to a supervisor David was more of the same promises. Suggest you look for another company for your business.

Great company! I like because they provide prescriptions that aren't generic and also provide pharmacies that I like as well! I would recommend to the company to lower costs for doctor visits. It seems every time I go and see my provider, I have to copay and it can be a inconvenience for people who are struggling financially.

My Cigna coverage was awesome. I only had a small copay and all my Drs. took my insurance. The customer service representatives are very helpful. I was unsure of the dentist in my network so I called Cigna. The representative was courteous and informative. She sent the information to my email and that helped me determine which dentist I wanted to see. I would definitely recommend Cigna. All of my preventive tests were covered also.

Cigna is my secondary, as my primary is Medicare, but since I have been using both (over ten years), I have not had any out of pocket expenses. Even before Medicare, Cigna has not presented any problems with covering expenses, including copays.

Excellent network, quality doctors, decent co-pay amounts, always helpful via the customer service line, rates were as affordable as they'll come. Great service overall. Would definitely use the service again.

Dealing with Cigna has been great. I think that being proactive about communicating with them has helped avoid surprises, but the myCigna app is very useful, and the customer service folks are knowledgeable and helpful.

Open enrollment for 2021 has just begun but this company is far from prepared!! Yesterday I spent 20 minutes on the phone trying to get through to them and finally hung up in frustration. Today I made another attempt. This time when I called I was given the option of receiving a callback as the expected wait time was 20 minutes. I left my number and was pleasantly surprised when they called me back in under 5 mins. My delight was short-lived, however, as I was kept on hold for over 15 minutes before a representative came on the line.

I have the dental plan from Cigna Health Spring Medicare and went to Unique Dental, they take the insurance, but they don't follow the plan what they signed up for. I wanted a Crown and the insurance would pay for it in full, but at Unique Dental on Hwy 6 North in Houston I was told they don't use the base required for the crown. What the insurance says, they wanted to charge me $500.- dollar. As far as I know, when they sign up for a plan they have to follow it. The Dentist was very nice, but the receptionist at Unique Dental was extremely rude, because she was busy taking care of her son in the office. It is bad for business to be rude like they are, they will never see me again.

I went to the orthopedist on Friday, 10/2 for moderate back and knee pain. He prescribed 4 weeks of physical therapy, 2x a week. I started attending PT on the Wednesday after and then have had 2 appointments every week for two weeks until today. I've been seen 7 times so far. I just got a letter in the mail from Cigna that they are only approving 8 sessions total starting from 10/20, and 4 sessions that I've already done are NOT going to be approved because they found it "not medically necessary" for my level of pain... I thought it was a joke. Because I rated my pain a SEVEN out of TEN. I'm baffled by this, never in my life have I seen anything like this. Rest assured, I will be calling for an appeal and it will happen.

On July 11, 2020, my 19 year old son took his life. It was I who found his body and it was a horrible scene. In addition, we discovered in the weeks following that he took his life because he had been sexually assaulted by a close family friend. We have endured a criminal investigation in addition to grieving the loss of our child. I am suffering from complicated grief and PTSD.