Cigna Health Insurance Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

My doctor diagnosed me with sleep apnea, a serious condition that left untreated has serious long-term health consequences. In order to receive prescribed treatment, specialists required an updated on-site sleep study. My doctor ordered the study. Cigna denied coverage. My doctor appealed. Cigna denied coverage again. I spent hours on the phone with Cigna trying to understand the issue which boiled down to "looking for specific terminology from the doctor" — the Cigna "advocate" put burden on me to communicate their requirements to my doctor when as a lay person I am out of my depth and exhausted from the efforts to try to get access to healthcare.

Called the customer care line over 5 times to cancel my policy and everytime they heard my concern, they hung up on me. We came to no resolution, and now I sent an email to cancel my policy and haven't gotten an answer in over 10 business days. Do not recommend this company at all. On top of that their international health coverage is absurd, I was hospitalized in Germany for 4 days and the bill was 1,800 Euros and they only covered 50%. Insane.

My husband and I had Cigna for 2023. BEFORE the policy expired, we cancelled it as it was way too expensive. We did everything on our end that we were supposed to do online and even called to verify that it went through. The next month they charged our card over $1,200. Even though we had canceled and had confirmed via phone that it was not going to be charged. Here we are March of 2024 and they are still charging our card. Thankfully only one charge has gone through because we had to cancel the card (because of them). Every time we call to try and get this fixed, they have no record of these charges and show that we don't have a policy with them. Then why are you still trying to charge us? We are trying to buy a house and this has tanked our credit score because they literally stole from us. Best to look elsewhere for health insurance.

Went to see my PCP I've had for 20 yrs and learned Cigna got in a contract dispute and no longer considered them in the network. Also they stopped approving payment for care at the largest hospital company in the nation where my doctor practices. I noticed an email from Cigna that they offer remote online services. I tried to access last night and the website blocked me because I couldn't provide a 24 hour pharmacy. They provided no one to talk to after I spent an hour trying to access the online 24 hour cost effective remote medical care they touted as a great service they provide. This company is useless and is clearly focused on denying care. After sharing with one of my medical providers an employee informed me that Cigna's nickname is "CigNO" because this typical Classic Cigna. Beware of this company! I wish I would have known. All is good. I will change during open enrollment.

I’m like everyone else, if I could they would get a 0. Worst service I’ve had in 64 years. I had an emergency and had to go to a local hospital. 3rd largest trauma center in the state of NC. I got the bill. They would pay for the doctor (partially) but not the facility he worked at. So I’m looking at $4000 worth of bills for 36 hour stay. It gets better. I need surgery. They will pay part of the doctor, again he’s in network, but the hospital and OR is not in network. I guess they think he could come to my home and do major spinal surgery. We had BC/BS up till last year. I would have at least gave the 3.5 stars. I may have to just deal with the pain and being less mobile till next year when I go on Medicare. If you have a choice, don’t do Cigna. If it’s cheaper, there’s a reason. Don’t use Cigna medical insurance!!

Back in December, I was notified by Medicare that the Part D company that I chose several years ago, no longer services Michigan and that I was assigned a different company called Cigna. I just found out today that Cigna will not cover the one and only medication that I get, but I then had to deal with the absolute worst customer service representatives that I have ever tried to deal with in my 63 years on this earth. Three weeks ago, I applied for an exception and even agreed to get the generic version. They still denied it and didn't bother to contact me to let me know that they wouldn't cover the badly needed medication.

My dexcom transmitter expired 2 days after my sensor and was told they couldn't do a over ride on refilling it one day early, was told that it wouldn't affect my sensor, I guess they also don't believe it will affect my sugar.

Well, I've had many awful experiences with Cigna, for starters they expect you to do their job even when there's a mistake on their end you're supposed to call the doctors or facilities to ask them to bill a certain way.... like I am working a full time job to be able to have insurance and I have to do your job too?? My most recent experience was coordinating an MRI between my insurance, doctor, imaging facility and Evicore (it's a company they use for making sure you really do need that MRI.... because my doctor asking isn't enough I guess) so I spend 2 weeks calling and coordinating this whole thing only to find out cigna isn't covering anything until my deductible is met, so I just wasted all of those hours getting my test approved for absolutely no reason, at this point I believe my insurance is so triggering to my mental health that it is doing more damage than any good at all....

Before my husband quit his previous job we had great coverage with BCBS and NEVER had issues in the almost 7 years. I've been on my migraine shot ** getting it covered and PA's approved in under a week. Since we started with CIGNA, I have already grown to despise this plan and coverage. The fact my doctor sent my medical history and showed proof I have had no luck on prior drugs due to bad reactions or how they made things worse and the ** shot made my migraines go from lasting 20+ days down to maybe 1 slightly bad one out of a month period and I see a rejection letter stating it was denied due to no proof sent? I've been in contact with the doctor's office.

It has been less than a month since I've started using Cigna. It has been nothing short of hell for me. I have severe ADHD and my previous insurance company covered all my medications. It was so peaceful and nice to be able to get the care that I required. Now, Cigna refuses to cover Vyvanse. I was told that I had to change plans and other lies; however, when I made the effort to check online for the coverage of Vyvanse under all different plans, none of them have approval without prior authorization. Certain policies have been put in place which blocks me from getting approval for Vyvanse. Vyvanse has been working for me and I was starting to notice large positive differences in my health issues, but now Cigna refuses to cover it. I also had trouble obtaining hydroquinone.

I filed a grievance for incorrect information for a dental partial from the Cigna reps and the dental office. When I got the response for my grievance, it had no correlation to the information that I gave them or the facts. It was 4 lines apparently written by a 5th grader!!! I have changed ins. I also have not gotten my EOB for 12/23 or 01/24 it is now 2/16/2024. Cigna does not care about their members. We need universal health in this country. But for now if you're not sick when you get health insurance you will be after trying to get the care you need. I am gone! Cigna.

My Son has a dental procedure done in Feb 2023 and the Pediatric Dentist said we may have to use Anesthesia while we work on cavity and tooth Removal as he is 7 yrs old and he said I can submit the Anesthesia bill for reimbursement for my health insurance and procedure was done. I paid 1300$ from my pocket for Anesthesia services alone and I have submitted the claim for my Health Insurance and they came back saying I need to submit under Dental and it will be covered and I did the same.

Breast cancer patient. 2022-2024. Only in-network wig was 200miles away. Then Cigna called and said I can buy any wig I want from Wigsnmore. Cigna never paid Wigsnmore. Wigsnmore tried to collect $4000 from me. Multiple calls to Cigna. I had to mail wig back to store. I had reconstruction surgery, I kept same insurance in 2024 to keep all my oncology doctors. Before my follow up appointment in January, I find out that my plastic surgeon is no longer with Cigna Connect because he was not paid for surgery. My PCP also dropped Cigna Connect. I’ve been paying premiums close to $400 a month, deductible $8000. Not only is dealing with life and breast cancer, treatments, and doctors hard, it’s torture that you have to go back and forth with insurance company while going thru it. There are other issues as well. I hate it.

Had a 15mm kidney stone. Couldnt sleep for 2 days straight, sweating, throwing up and urinating blood. Went to ER. Got admitted cause kidney was getting infected and they were worried about sepsis. Nobody can urinate a 15mm stone out. Impossible. Got admitted and had surgery the next day. They kept me overnight to make sure everything was ok before getting sent home. Couple days later get letter from Cigna stating the only thing covered was observation and that after diagnosis of kidney stone I should of left ER. Letter stated this was not medically necessary and that they feel I was stable enough to leave and continue my every day routine and that my health or quality of life was not affected by this!!!! CRAZY. Someone behind a desk on a computer can make this call??

I only make 3000 a month and the plan takes 1000 from me for the silver plan. I wasn't fully aware of the details when I got the plan but it's a 500 for emergency room visits, 150 Rx, and up to 5000 dollars required before they cover anything major. It is as if I don't even have insurance. I pay nearly 1000 dollars a month and pretty much have to pay for any medical issues out of pocket. And when I tried to change the plan or drop it they refused to do so. And to top it customer service was very nice when getting the plan but extremely rude when I tried to change it. I recommend no one to take this insurance company!!!

Cigna has an internal message center which can be used by providers to contact you/to communicate important medical and plan information. Instead, Cigna uses it to spam advertisements at customers (one such message I recently received reads: "Save on home-delivered meals with Cigna Healthy Rewards"). They are not related to medical care and according to Cigna's customer service department there is no way to disable them.

I had a trouble with a prior authorization to get my medicine, and I talked to the Cigna pharmacy representative Ms, Crystal who is a very nice lady that she helped me out during the call and she did all her best tirelessly. Thank you so much Ms. Crystal.

I have had Cigna health insurance now for a whopping 23 days and so far, I have had nothing but a negative experience. For the past 6 years I have been on a medication to control Crohn's disease. My last 2 insurance providers covered the medication with no problems. Now, my employer switched to Cigna and all of a sudden, a medication that I need is not covered. I should have known that Cigna was a lousy company when it took them 12 days after the effective date of the plan to send my ID card. My doctor's office has gone through the appeal process, and big surprise it was denied! As of today, the cheap skates at Cigna approved a generic medication for me to try. Seriously, the first med worked! I don't take this medication for fun. So now I get to try this new med and "hope" it works.

We just changed insurance back to Cigna and could not figure out how to download my vision ID card to Apple Wallet. Could not get through to anyone who knew anything about the app. Callback did not work -- said to press 1 if I was on the line, then kept saying it was not a valid response. Happened to me three times and I gave up. Got two numbers from two different customer services types who assured me they could help me with the mycigna app. Neither number gave me access to tech support. Tried to call the number on the vision ID card and that also did not let me access to mycigna app tech support. We had Cigna before and switched to United Healthcare. Now United Healthcare is looking good in comparison. Do any management people at Cigna test the user experience to see what policy holders have to deal with?

The worse plan ever!!! I am currently a point away of diabetes, my doctor had looked for the way of getting me in to a treatment to prevent me from the diabetes and I have been denied from Cigna of all medication prescribed. The reason for denying is that not coverage, even though my doctor had explained the importance of getting the treatment, Cigna & CVS Caremark they don’t care….

I have had Cigna for over 5 years. I am not one to go to the doctor unless it is needed but certainly as we age, health catches up with us. I generally do not write reviews, but I agree with others, they do not even deserve one star. This company is absolutely horrible to their customers care. It is evident that they do not have your best interest at heart.

I had supplemental health insurance with Cigna through my employer. Ended up in the ER in August of 2023. Filed a supplemental claim with Cigna in August 2023 for $400. That was the amount due to me based on the supplemental insurance guidelines. It's now the middle of January 2024 and I have still not been paid the $400. Some highlights below because it would take a novel to write all the details in attempting to have Cigna reimburse me. The highlights will provide a snapshot of the complete incompetence of Cigna. Highlights of Actions taken to track down $400 from Cigna Supplemental Health since August of 2023.

I changed jobs and my new company uses Cigna. My old company was using Highmark through Blue Cross Blue Shield. My prescription medication cost went up from $14 per month, to nearly $140 per month for the exact same medication. Even worse still, with my previous insurance I had no copay for my PCP, and now I have a copay of $150. I’m on the highest and most expensive plan my company offers through Cigna. At this stage I’m considering moving to the lowest plan so I have hospital coverage and just pay for my doctor’s visits and prescriptions out of pocket. This month I went to the doctor because I picked up something and I’ve spent more that $400 on medication that I would not have spent through my other insurance. I reached out to them (and after being cut off a number of times) the agent just told me those costs are correct. Very disappointed in Cigna, would not recommend to anyone!

I worked for the Schlumberger / Cameron Valve Facility in Little Rock, Arkansas, from October 9, 2017, thru August 14, 2020. I enrolled in the Cigna Group Health Insurance when I was hired. In addition to the health insurance, I enrolled in their Supplemental Hospital Care and Accident Injury Coverage. On August 14, 2020, I was terminated due to Schlumberger / Cameron Valve closing the Little Rock Facility permanently. Part of my termination, I was offered to Port the Supplemental Hospital Care and Accident Injury Coverage. I signed up for these two policies and have been paying the premiums each quarter since. The one provision of this coverage was I had to make the premium payments by the due date or lose the coverage permanently.

My family of four has paid tens of thousands in premiums to Cigna the past four years, and we thankfully have zero claims because we are healthy, active and take care of our bodies. I recently tore my ACL -- full tear! -- while skiing and Cigna just denied my surgery to repair it!!! ACL's don't heal on their own, EVER! Any doctor with half a brain knows this -- but apparently not the "physicians" making decisions for Cigna!! They told my doctor they're recommending I rehab it for 3 months and if that doesn't work, then refile the surgery request! I'm a 52yo healthy/athletic female, not having this surgery would cause even more damage to the joint! An appeal of their backwards "decision" could take months. We are now having to pay for my surgery out of pocket! Cigna SUCKS. Don't put your health insurance needs in their hands, they don't care!!

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?