Cigna Health Insurance Reviews

Sells agent lie to me about what I was getting. I am retired with SSD, and I call Cigna to get a quote on supplement dental insurance only. The selling agent never told me I would lose my medicare policy. The selling agent never said to me about what I was getting. Cigna doesn't cover my Doctors, My medication. I had to pay out of my pocket $525.00 for my medication, and I thought I would get full reimbursement on prescription. That didn't happen either, and They sent me a check for $24.95, My doctor is not in their network either. Don't sign up with Cigna until you know what you are getting. I just needed small dental insurance. I didn't want to lose my primary health insurance. It not easy to Switch back to my medicare health Insurance. There a couple of time a year where you can change back to medicare.

I will be looking to take my son and myself off my fiance's Cigna insurance he gets through his job, they are just completely useless. They barely cover anything, and just my regular weekly visits to my pcp for IV treatments and musculoskeletal treatments I now owe over $500, Cigna won't cover any of it. I have a $300+ hospital bill to pay in for an ER visit, I just paid $200+ on my developmentally delayed son's spit squab test for genetics, Cigna didn't even cover a teleconference appointment! I'm gritting my teeth waiting for my son's blood draw bill he had to have done for the genetics lab. Cigna isn't insurance, it's just a hole you throw away part of your paycheck into. Looking into MVP or Blue Cross Blue Shield for better coverage.

I am happy to say that my issue has been resolved. This resolution was handled by Javonne W, which I might add did an amazing job and showed great diligence in handling this from day one of involvement. This is the type of service I once had with Cigna many years before. I truly felt that level of service had been lost, but I now have a much higher and confident opinion of Cigna. The way this was handled and resolved is exactly what customer service is all about!

I am so disappointed and FRUSTRATED with Cigna! My husband works in a place where they switched to Cigna. We have two special needs boys which got therapies since 2014 from a certain place that was out of network. We contacted the agent to get help and it's already 7 months as nothing moves. In the beginning, it was "one-two months..." Then, "holidays..." After it " send us the last insurance statement so we can see how much the previous insurance paid". Next, "send us diagnosis of your boys". After it NOTHING!!! I called during the beginning of this long process to Cigna customer service and had been said you don't do this. The WORST customer service with a RUDE person! So now my boys without the therapy and it's THEIR FAULT because this the ONLY place which won't give up on any behavior.

I've been a member for years, and called the support to remove my family member 2 weeks ago. They still haven't updated the info online, and called them again. The guy who answered was super rude, and tried to make me overpay. He had a bad attitude, and almost threatened me so I just hanged up. I called the same customer service number again, and female support answered and she told me that my new premium balance would be almost half. I had a dental insurance with Delta before, and they are much better, and I will go back to them.

This is, by far, the worst possible health "insurance." They declined an MRI for my cervical spine despite debilitating symptoms. They expect me to have six weeks of "physician-guided care" before authorizing imaging, yet there is absolutely nothing the doctor can do without a proper diagnosis. This is criminal and totally unethical.

I'm a new immigrant to Canada and arrived in Toronto in March 2020. Normally there is a 3-month waiting period before a new immigrant can gain access to Canadian universal health care system. So I decided to purchase Cigna Close Care Plan for the period of 3 months. However, when I applied for Ontario Health Insurance Plan, I found out that the government had waived the 3-month waiting period to support the people during the pandemic. Per Cigna Close Care Plan agreement, I have statutory right to cancel my plan within 14 days ("cooling-off period") and receive a full refund. So I immediately made a written request of cancellation to Cigna within the 14-day period. I also followed up with them through phone calls about the cancellation within the 14 days.

I have provided notice in writing to cancel my contract, not only was it not actioned it was met by unethical delay tactics to extract more premium payments from me. As per section 14.2 of my policy, my cover should be terminated in seven (7) days after given them notice in writing. I have given notice on the 14th of April 2020, this was acknowledged on the 15th of April 2020. Today the 23rd of April 2020 I received an e-mail asking if I'm sure that I want to terminate my cover. This is a delay tactic to extract more premium, and is contract breach. Stay away from Cigna, you don't want a medical aid that doesn't honour their contracts.

I have Cigna Through my employer. Cigna preauthorized my knee replacement. They even called me a couple days before my surgery and said if I had any questions or concerns they were there for me to let them know. Had my knee replaced. About a month into doing physical therapy I’m notified I was kicked off their insurance and it’s been back dated ONE DAY BEFORE MY SURGERY being kicked off! They blamed my employer. My employer blamed them! I’m forced into bankruptcy!!!!

I was advocating for my client's glucometer to get covered. My client is on Cigna. I provided an abundance of information regarding my client, but due to her homeless status, they refused to give me the information I needed to get my diabetic client's glucometer covered. This is discrimination. Everyone deserves healthcare - especially those who are living on the streets with pre-existing conditions; especially now in pandemic times.

Insured with Cigna via employer for 1 year. Worst ever.

Words cannot express how extremely disappointed I am in Cigna right now, as a global health insurance company. My employer has had our health insurance coverage benefits through them for about 4 years now, and I hadn’t had any problems with them up until very recently. Cigna had initially stated that they would gladly cover the testing costs for those of us who might be exhibiting possible symptoms of COVID-19/Corona Virus, no questions asked.

Cigna started out by lying about my provider. It wouldn't be as bad but they also denied my daughter her doctor as well. They actually tried to blame me for their error, but continued to refuse to allow us to see our doctor. Customer service is the worst I have ever experienced, and they refuse to allow the customer to speak with anyone with any actual authority. There's a reason this company makes billions in profit.

I was offered Cigna Dental insurance through my employer and had a choice between the insurance that either paid for orthodontia or did not. Since I have had problems with a tooth and my dentist though it be helped by straightening my teeth I chose the plan that included adult orthodontia and paid more per month. I had a minor dental procedure done that was covered under my plan and Cigna Dental denied the entire claim saying it wasn't covered. I had invisible aligners to straighten my teeth and Cigna Dental denied the entire claim saying that they aren't covered.

Customer service is useless when you have questions about a claim. I am a cancer patient and they deny about every request at first, they want peer to peer when they already know I have CANCER, they delayed my treatments, they denied the pain med (just **).. They basically say.. doctor needs to prove medical necessity (PET scan, Radiation, MRI, CT, surgery for the port... etc). I think once they HAVE the actual diagnosis they should approve when a oncologist request, do they think we are doing this for FUN...I want to live but they just want us to die I think so they don't have to pay the claims. WORSE EVER!!! If the cancer does not kill me first they will!!!!

Their phone support is horrible. They start with a one minute statement about who they don't discriminate against. Their service people do not speak American English. They don't listen. They are uninterruptible. They read statements because they have to. They show no evidence of being able to think.

Cigna will deny everything at least once even if you have stage 4 cancer. Chemotherapy, ct, pet, they have denied it all... they are more than happy to take your money, however. Case management does not help achieve anything. It's a waste of time. Their mail order pharmacy, Accredo, is worse. I'm two weeks late getting my medication. HORRIBLE!

My wife have had severe pain and nausea so we went to the closest urgent care. We paid $40 dollar to see the provider. Two weeks later we got hit with $244 dollar bill. Cigna refused to pay anything. Cigna stated that "the urgent care is out of network. Even though the doctor is in-network we still bill you as out of network". The doctors we saw are in network with cigna and cigna refused to compensate for anything. We pay almost 3K a year for health insurance and on top of that they manipulate the system where we pay more out of our pockets. So next year we are definitely changing insurance to BLUE CROSS.

Cigna dental insurance is a joke. After my 1 year wait period is over, they increase premiums by 27% and my premiums + deductible is now just a few hundred dollars below the plan maximum! How else could one be ripped off? Stay away from this company.

Issue #1 - ‪I recently moved to the next town (about 20 miles away to a more rural area) and upon providing my change of address I received notification from @Cigna that I will have to pay an additional $100/month for insurance premiums for which I will see no benefit.‬ ‪I will still be utilizing my same doctors, in the same network I had before I moved. Basically @Cigna is making more money off of me every month for no change as far as claims go on their end. They are charging more simply because I moved. Does this seem customer centric to you? ‬Yeah me neither! Seems to me @Cigna needs to fix this issue to allow people to utilize the same doctors/network they were using before a move without having to pay an additional cost. You CAN and SHOULD do better @Cigna! ‬

Cigna doesn't cover anything. I pay over $500/month for the best plan my company offers and I have a $7K deductible. I have a $10,000 Mental health deductible. My son was denied a MRI. He is a child. Every doctor I go to is denied. I am literally medically poor because of this insurance. I avoid the doctor at all cost due to the insane amount of debt I'm in over my medical bills and lack of help from my insurance company. There is a healthcare crisis in the USA. They need to fix this. I have a lump and I can't even go to a doc to check it out due to the horrible coverage. There is no help with preventative care for anything.

Updated on 03/10/2020: I have had enough of Cigna. Even when I wrote a poor review and Cigna saw it and attempted to correct it. They gave me smoke screens. They lack clarity, transparency, commitment to customers. It is incredible I am working on two tracks with two different people and yet I can't get cost out of pocket versus services for an implant. Good luck dealing with Cigna. You are going to need it.

Cigna made a mistake. Now they want me to pay them $2.20 for a mistake they made on a medicine I got filled. I have no checks and I DO NOT DO money orders. If they can not take a DEBIT CARD then I do not know how they are going to get their money. In the letter it says: "We apologize for any inconvenience this may have caused". I WILL NOT GET A MONEY ORDER. IT'S OUT OF THE QUESTION. They even admitted to me on the phone that it was their fault. NOW I DO NOT WANT TO HEAR ANYTHING ELSE ABOUT THIS.

I wish I could give a negative score of stars. Reviewing the latest fiasco with Cigna... I took a well woman exam in October 2019 to get the better rates for my insurance that kick in on March 1st 2020... Well surprise surprise...Cigna STILL HAVEN'T processed it..and all I was told in response was something like, "Yeah we should've processed it but we didn't...oh and by the way it'll take 10 business days to do it"... Well but that time the higher rates of my insurance will kick in... Cigna's response, "Yeah we're so sorry for the inconvenience but it is what it is." A DISGRACE OF A COMPANY... The most important thing for them is to STEAL your money and exhaust you from fighting them so you'll give up on trying to get back the money they STOLE AND KEEP STEALING from you.

Dental claim run around. I checked with Cigna about coverage and deductibles before have services done as well as getting a email link sent to me to directly file my claim in order to speed up the process. I had the work done, sent claims in that I paid for out of my pocket and then checked with them to make sure they were Received. They said they were Received and would be processed within 10 business days.

Despite the fact that my employer provided Cigna dental with my current from day one, I had serious issues with the Cigna Dental Insurance because they continued to mail all my claims and medical documents to my former office. Even some of those claims took more five months to process with lots of ignorant mistakes and inconsistencies. I would recommend against subscribing to the Cigna dental, if you can get other options.

I had Cigna through my work. They told us, the entire county's worth of employees, that we would have to call them and get all labs approved before we went to a doctor. K. Guess I'll just die while I wait. When my position was cut they told me it'd be over $700 a month to keep my insurance. With eye and dental insurance, taken out of my unemployment it'd leave me a sweet $20 to live off of. I opted not to keep it.

Cigna has denied coverage of therapy for a 15 year old girl who has suffered for 2 years with sequential disability due to autonomic dysfunction. Dizziness, gait disorder, convergence insufficiency, vertigo, tachycardia, fatigue, and finally absence spells like siezures building over 2 years. This has resulted in an inability to remain in school and the prospect of an A student with a lack of education to fulfill a promising contribution to society and normal quality of life.

The website is ALWAYS temporarily unavailable. So frustrating, it would be easy to use when you're busy and need a quick answer to see if the insurance is active. I wish they would do something to fix it. It is rarely available. Maybe once a month, and I check EVERYDAY.

They attempt to circumvent coverage every time you use them. Their billing system is a joke and customer service is pitiful. Stay away from Cigna Dental Insurance...They held off on paying till my next year's benefits and deductible kicked in. I had to spend extra money even with insurance.

I was told that I have to change providers after seeing her for almost a year (mental health provider) because Cigna will not cover a nurse practitioner that has less than 3 years of experience. So now I have to start the whole process over again, finding a new provider that takes cigna, having to see a therapist for them to determine whether I need meds or not, then wait an average of 3-4 months to get into see a psych dr. I'm going to run out of my medication before I can see a new psych dr, so I hope I don't end up in the hospital.

I have tried to login to my new member portal, each time receiving an error message that I could not reset my password. I have tried calling Cigna five times and each time I receive a non-response from the customer service reps. After trying to explain in different ways my problem, I still receive nothing. What a welcome! Take me back to my old insurance provider!

We have Cigna International through my employer. My wife had shoulder surgery in Germany. We called beforehand and explained specifically that the surgical procedure would be performed in Germany. Post surgery my wife was prescribed a passive movement chair in order to keep my wife's shoulder from locking up. The surgeon also prescribed between 2-3 hours of physical therapy per day. However, Cigna doesn't provide that much physical therapy, so the passive movement chair was welcome. However, Cigna denied two claims for over $1800, indicating that it is experimental. We submitted an appeal with letters from two local surgeons, along with documents indicating efficacy.

I had enrolled in Cigna January 1st 2020. This is my first time enrolling. I called Cigna to find a radiology facility in southern New Jersey. I waited for approximately seven minutes for a representative. When someone finally answered the phone, I asked her to help in locating a MRI facility in my area. The customer service representative was very unprofessional. Her attitude was one of uninterested. She put me on hold for a few minutes, only to tell me there were none in my area. However the only facility she found was 30 miles away. When I know for a fact there is one 7 miles away, it is part of the hospital in my area.

Cigna calls their customer services representatives. We made 5 calls to them in regards to our FSA account. She refused to answer any our questions. Sherri based out of California claims she has no records or claims for us. When I asked to speak to a supervisor she told me they don't have any supervisors on staff tonight. Wow. Can't believe we pay hundreds of dollars for health insurance and get no answers. Do I file a complaint with the health insurance Commissioner when I was told to Google it unbelievable!!!!

Cigna refused to cover a surgery that I desperately need saying that it isn't medically necessary but the reason they gave was completely invalid, almost like they didn't even read my Dr report. I wish I could afford a lawsuit. Thanks to them I will still be disabled at the age of 38 and will not have any quality of life. You'd think the $27,000 a year my work pays for the plan would amount to something. I hope they all get what they deserve someday, which is to rot in hell.

I called Cigna to make sure I was covered for a procedure before having it done. The rep pulled my account and explained clearly what I’m covered for, down to confirming the facility to have the procedure done at. I even recorded the call. Additionally I had my treating doctor call and verify, which they did and emailed the confirmation message to me. None of this matter when the claim was submitted, they just flat out said “we don’t cover that and never have”. The one time I needed my insurance, they backed out.

Only sign up with Cigna if you truly “enjoy” being ripped off by a bunch of fraudsters who basically lie, cheat, and steal to sustain their business. This is honestly the most deceptive and fraudulent insurance company which I’ve ever been insured with in my whole life!! (And trust me, I’ve dealt with quite a few in my lifetime.) All Cigna does is falsely guarantee their members they will be covered for certain procedures and care, only to then turn around and try to use legal technicalities in an effort to cheat those same members out of the care which they are legally entitled to. Cigna is a true “master” at the art of deception and dishonesty!! This company sunk to an all-time brand new low when they basically tried to finagle their way out of covering truly critical medical care which I had needed after a months-long ordeal with ovarian cancer. As

It has been horrible. I have a group health plan from where my husband works. They gave me a discount on a MRI received at the emergency room and the bill was $1555.00. They only paid $925.89 which left a balance of $629.11. I have called them three times now and every time I call they have to send it back through for review. Now I have someone calling me from collections about this. I have excellent credit and am prepared to take this issue as high as I have to with it. Terrible company.

This company is a piece of trash. They are charging me for myself and my partner but not covering him now. Premium has been paid and all they say is they do not have any record of him. I spoke with my employer several times and they confirmed that all file feeds had been sent to Cigna weeks ago. However they are still denying that they received anything. I have proof it was sent and am being charged for coverage for both of us however they still are not covering him. And before you say I dont know what I'm talking about...I do. I work with health insurances on a daily basis in the specialists office that I work for. Cigna and the people they employ are pieces of trash.

Trying to cancel my policy. I called Cigna to cancel my policy at the beginning of November, and was assured that it was taken care of. Ever since, I've received bills repeatedly, and letters telling me that my policy is past due, and have been assigned a "case number". I decided to call. I talked to six people and was transferred three times, the last time to their medicare division, which isn't even applicable. One person told me that I had to submit my cancellation request in writing, which I certainly wasn't told two months ago. Each person was dumber than the next.

Absolutely the worst health insurance experience ever. I have been sick for months. I've been experiencing abdominal pain, extreme fatigue and have been breaking out in cold sweats for months. My internist ordered a CT scan which Cigna refused to authorize claiming that it was "medically unnecessary". Cigna is medically unnecessary and should be shut down all together as it is a criminal enterprise. They do not care at all about the patient's health. They care about money and to hell with your well being.

I've had Providence, Moda, and now Cigna. Cigna will deny as much as possible and force you to call a thousand times to do anything. Cigna is the company that made me support a single payer health care system when they charged me $3000 for the anesthesia for an MRI for my 10 month old baby. The MRI was covered, but not the anesthesia, because of course you don't need anesthesia for MRI for an infant. BTW the CEO of Cigna made almost $20 million last year. For profit health insurance is a scam that makes us a weaker country. People love their doctors, but I don't know a single person who likes their insurance company.

Every year my company offers Cigna plans. I have to pay a lot for whichever I chose and my company pays a lot more. Supposedly on their website they track my family's usage, costs, and deductibles. I recently called them about why it reported our deductible was met yet they still charged us high costs for prescriptions, but their support couldn't explain it. I'm giving up for now after being on the phone for an hour. What a hassle!

When I purchased Cigna's dental plan I was promised the waiting period for service would be waived because I had previous coverage with another company. I called to verify that a couple weeks later. However: I have no written documentation of those calls. I was encouraged to believe I would receive coverage when I worked with customer service over the phone after I received notice coverage was declined. I was lied to and now have a huge bill to pay. Be sure you have their promises in print!

Do not use this insurance company. I have been on this insurance for 2 years through my employer and have had to constantly fight with them to get a pre-authorization through. They will deny them 2 or 3 times before they will eventually let them through. I have had severe back and nerve issues for the past 3 years and they drag them out as long as possible. Luckily my employer is switching to Blue Cross so I no longer have to deal with them.

Cigna will question everything your doctors order. You could be holding your severed arm in your hand and they would require more information to prove that anything other than a bandaid was necessary. I am high risk for breast cancer so my doctors want me to do mammograms plus. Nothing new. Been doing this for years. Once my company switched to Cigna the letters started asking if that was actually required...for preventative medicine!

I was in a terrible car accident and the "at fault" driver did not have insurance. Because he did NOT have insurance Cigna paid all my medical bills (After Deductible of course). We are supposed to receive a very small Uninsured Motorist Claim from our Car Insurance to help us pay for our deductible and the cost of treatment in the future.

This company simply refuses to cancel your insurance. The only way to cancel is via letter which you have to post or via phone call, to which they never answer. They claim that the letter is not received and when calling, you can wait as long as 4 hours on the line without an answer. If you do happen to reach a member of their customer service via email, they will ask you to call them and thus you will never reach them again—not via email, not via phone call. Loyalty team representative ** is a perfect example of Cigna's inadequate customer service. Do not buy insurance from Cigna.

What can I say, Cigna Sucks. My company switched to Cigna several years ago and since the change it has been one battle after another. I thought it was bad when Cigna second guesses their "in-network" doctors in order to squeeze every bit of cost savings possible. Their techniques only ends up inconveniencing you, their so call customer!

My advice is to choose another company if you need medical insurance when abroad.

I was diagnosed in 2017, had a single mastectomy. It was very traumatic for me but the following year when I went for a single mammogram Cigna states it's diagnostic since I was diagnosed in 2017. If I thought for a second that removing both breast would change my life expectancy I would have done it. It's a personal choice, but to be told, "Since you were diagnosed you now have to pay for your Mammogram," the cost goes towards my $6000 deductible. I am not asking for anything different than any other woman, just one a year and that's it! Shame on CIGNA, a mammogram is a mammogram PERIOD!

I have a spine disease that needs to be monitored through MRI and xray tests often to be sure it doesn't become worse. I'm covered under their 'best' plan offered to employees of where I work. Due to moving states my current specialist only has year old test to go off of and ordered an Mri. Again this test is necessary to monitor the severity of my disease. The insurance has denied coverage for months now. I'm glad my company is switching to another insurance otherwise this one could cause serious problems for my health and wallet with its negligence to follow through on what I'm paying for. Horrible company that I would not recommended.

After 2 denials and an appeal denial I spend about 14 hours on the phone with them. This is for a 300$ continuous glucose monitor. Because of the denial I am now on medication that cost 2000$ a month and they don't mind wasting 1700 dollars than preventing that I have to go to the hospital or use this meds worth 2k a month! All employees are saying that I need to get this CGM but they can't change anything so not even worth that 1 star. For me it's a -5.

I was totally disappointed with Cigna’s dishonest Medical Insurance Plan. They charge exorbitant premiums with high annual deductibles, and use excessive exclusions and frivolous reasoning to justify the refusal to pay for valid and required services. Their contract clearly states the rate at which they will cover an "in-network and out of network provider, and yet they kept denying the claims during the whole of 2019, claiming we need to use an "in-network" provider. Each time we called during the year their representatives would state a different reason. Other insurance companies we have dealt with over the years have been honest and upfront if there was a problem and work with the member to get the problem resolved.

If you are thinking about getting Cigna Health Insurance, just say NO. They won't even pay for a teeth cleaning, even though it says right on the card "Pays 100%". It's only 100% of what they think they should pay. That turns out to be about 60%. You pay the other 40%. Not cool. An insurance company that does not understand the importance of preventive care is not the kind of company anyone should support.

Stay as far away as possible if you are considering using Cigna as your healthcare insurance provider. They have very well written policies that make them not have to pay for anything unusual. Their on staff medical consultants deny everything and make you appeal and fight for the littlest thing. Worst experience I have ever had with an insurance company. Absolute thieves. Stay away!

I went on my wife's insurance back in the summer. After becoming eligible with my new employer I opted to have my own coverage. I've submitted multiple requests to be dropped from her policy only to be given a run-around. Cigna (or its affiliates) is stealing several hundred dollars from us per pay period. This is absolutely outrageous. If you have other options, look elsewhere for healthcare.

I signed on with Cigna SUREFIT when my company (which generously covers all premiums) gave us a choice - figured I would save them $100 a month in premiums since they were so generous. What a huge mistake. I have been denied coverage for every doctor I have seen this calendar year - and I've always been in network. I suspect that the issue is that their system is as confusing for providers as it is for patients.

My only granddaughter died after a long struggle with leukemia a few weeks ago. Cigna Insurance Company unfortunately, tried to find numerous methods of not covering some of the services which she'd needed. One of these had included a necessary blood transfusion. While it is true that my granddaughter’s health had been in rapid decline throughout the past year, all the consistent denials from Cigna Insurance Company certainly didn’t help matters. This insurance company did eventually cover some procedures as summarized in my granddaughter’s plan for blood transfusion care. However, a lot of the delay and deny tactics which Cigna Insurance Company had so callously used probably cost my granddaughter precious time which would’ve been needed to possibly allow for her to make a full recovery.

Before my employer switched insurance companies we had United Healthcare which I absolutely despised. So I was looking forward to being covered by Cigna for no change in price to what we were paying from the other company. I am a mostly healthy 42 year old male. Rarely ever have to go to see a doctor or physician. For the last 6 months I have only had to pay $20/biweekly for single employee coverage. Which is $40 PER month, very competitive pricing I think. That was all well and good until I was ordered by the court to add my son to my insurance. So I'm thinking ok it shouldn't be much more than paying double than what I was paying. Boy was I wrong. Adding only one child cost me around 10.5X more than just the cost of myself.

I had a radical hysterectomy done by an in-network surgeon in an in-network hospital. I woke up with a pain level of 8, a cortisone IV in my arm, a catheter connected in my bladder, my vagina full of padding to contain external bleeding, and a nurse coming to check regularly for any internal bleeding. Nevertheless, according to Cigna this is an OUT-PATIENT surgery!! REALLY?? It's been over 3 months, and they haven't paid a single bill, having all the service providers jumping through hoops like crazy, and keeping on rejecting all claims!! If you want peace of mind, stay away from Cigna, just another greedy health insurance which doesn't care about patients wellness and safety.

I am simply trying to find the answer to one clear question which they refuse to answer. Do you consider rigid gas permeable (toric) contact lenses "medically necessary" or not? On the phone they pretend that this differs between plans but it's obviously not true, it's either medically necessary under a specific condition (eg keratonocus or pellucid marginal degeneration) or not. This is just another way they try to hide what they actually cover until you go to get it reimbursed. Then anybody can tell you whether they pay for it or not (mostly not) without any hesitation.

This insurer: Cigna doesn't truly care about their members' health in my opinion. For the past several months, they have been attempting to use a number of underhanded delay, defend, and deny tactics in order to avoid covering certain medically necessary procedures (evaluation tests for possibly needed blood transfusion in the future) which several members of my medical team have already informed Cigna that I will need. The insurer however, has sent a total of 7 different denial letters to each of my providers, even having the sheer audacity to suggest that these evaluation tests aren't medically necessary but are experimental in nature instead.

The website just lists a bunch of doctors that it seems like they got from the phone book or something, because when you call them, they never take the insurance that the Cigna website claims they take. Sometimes they don't even take Cigna at all and never have!! Cigna says it's because the doctors stopped taking it and just forgot to update Cigna about it. Nope. That's a lie. Unreal.

Every single time I have phoned in order to discuss a medical issue or receive cover for an MRI or consultant visit, Cigna staff have been amazing. They are incredibly helpful and friendly. Easy to talk to, knowledgeable and just willing to listen and spend time explaining things. I would never look at a different health provider. I think whoever employs these people has done a great job. Thank you so much!!

This is the second time I've had Cigna in the last 5 years and truth be told they are great. I have them for all Medical ( HMO POS ) Vision and Dental (PPO) and have not had any high out of pocket cost and they are pretty fast in paying claims. I had another well known insurance between my coverage and let's just say I still have bills from that other company. I am getting a in-patient procedure done soon and my out of pocket is manageable and I can get that copay covered through my hospital indemnity coverage so like I say it's a life saver. I'm doing 4 stars because the Dental coverage isn't as good as it was previously.

Updated on 11/25/2020: I wrote a review about Cigna a year ago. Another year rolls around and I'm having the exact same issues as last year. We were assigned a nurse advocate to help with the problems last year, after my husband spoke with his HR department. She told us to contact us the next time the issue came up and she would deal with it. But when we contacted her, she'd been taken off the case because our issues 'Don't require an advocate,' Yes, I agree, our issues shouldn't need an advocate because they are very simple, but Cigna staff seem to screw things up to such an extent that we do need one! Unbelievable. Here I am, now on hold for 25 minutes, after 8 different calls and 2 faxes yesterday.

I spent hours of my time selecting a health care plan as I'm in between jobs and need coverage to select a plan and get a message that a rep will be in touch. Most people needing health care need it ASAP and in many cases the same day. I had not even registered on this site for them to have my contact info nor do they allow me to register before having an actual ID card, so I received this message and they don't even have my information to follow-up. I have been to the website three times for this same thing to happen. STOP WASTING PEOPLE'S TIME. Much less, FIX YOUR WEBSITE. I'm LIVID that I've put so much time into this FOR NOTHING. They don't respond to email inquiries either.

This sounded like a real good thing, earn dollars when you get health screenings, flu shots, physicals, etc. Money you can use to pay for your deductibles or uncovered medical expenses. But when I submitted paid invoices, they just kept telling me it should have been paid, and they would look into and get me paid. 3 calls and 3 months later, they tell me the services were too late, and the time to submit is now gone. If they had told me that first, I could have re-submitted other paid receipts, but they didn't, they just pushed me off until they told me no. All their wellness program did was raise my blood pressure.

Terrible Insurance company. Their information is inaccurate and they charge you a monthly premium but pay nothing for benefits. I see a class action lawsuit in their future. They really deserve negative stars. You suffer in pain while trying to find a provider that can do what you need them to do. They will send you a catalog of providers that claim to take the insurance and you set up an appointment, get there and oops, sorry not covered. If you see this company as an insurance provider with an employer, run away. They are incompetent thieves.

I previously had Cigna medical and dental through a former employer. I am totally disgusted with the benefits from this insurer. If I could give them a zero I would. They have extremely poor benefits in terms of what they actually pay for claims submitted from your doctor. I was left with bills that another insurer does pay including dental expenses Cigna refused to pay. What is the point of paying for insurance only to still have bills that you have to pay to both your doctor and your dentist. My dentist dropped this insurance company for good reason. Look elsewhere at other companies and run from this one.

I need an MRI due to horrible pain. CIGNA'S imaging management partner eviCore has denied me this diagnostic tool. I must get an x-ray, wait 6 weeks and have another appointment with my doctor all while I suffer with excruciating pain. Thanks Cigna!

This company and their services is no better than a scam. I had insurance through them last year and had to go to the Urgent Care to get some tests done because I was having really bad diarrhea that kept me out of work for a day. After a few months from my visit, I received a bill from the lab result company for ~$90 something all together.

This company is a disgrace. Customer service is slow and though very apologetic they have no useful information, nor do they pass you off to an appropriate department. I am a sophisticated patient with a lot of knowledge about my conditions and how insurance works yet I am constantly receiving denials for basic care. I pay through my work for the "top tier" of this insurance and it is worthless. I had a simple post operative check up and my surgeon requested a CT scan....it's been over four hours that my nurse has been waiting for the approval. I live in a major metropolitan city with excellent top notch quality care providers and health care facilities and centers and I've been told several times how awful and terrible CIGNA is to work with. I am currently looking for a NEW JOB just to get different insurance.

I was diagnose with breast cancer and my coverage includes a wig up to $300.00. Paid for a wig, submitted the requested paperwork. They SCREWED up and paid the wrong person. They admitted to paying the wrong person and it has been 3 months and I still don't have my money. I have a lot of broken promises.

I hate Cigna. Not dislike. Hate. This company does not cover a single one of my prescriptions, even after my doctor completed the request form. These are medications that cost me $10 per month on my previous insurer's plan, that would be $600 now out of pocket. I switched to the generic and just got a letter today saying they're no longer covering that! The letter also suggested some ways to deal with losing coverage, including talking to your doctor and switching to the generic. Literally in a letter telling me they won't cover my generic prescription anymore, this company suggested I switch to the generic.

We are a private specialist office in the Phoenix area and have continued issues when it comes to obtaining authorizations for surgery and just recently for a titration study on a patient, who is on CPAP. We have waited over 19 days for this auth due to a third party company who reviews data called Care Centric. What a joke. Our office has faxed numerous documents as well as the sleep study center, yet our auth remains pending with the inability to speak with a reviewer. How convenient. I have worked with the supervisor named Willie who was to have a response for me yesterday afternoon yet the issue remains unresolved. In selecting a carrier, I would run for the hills. I have been in the business for 40 years and this type of treatment is the norm from Cigna. I even had a conference call with the patient 2 days ago on a recorded line hoping to get this expedited. No such luck. Shame on Cigna. K

My husband had surgery on the bottoms of both feet, May 16th of 2019. He had more than 35 stitches on the bottom of both feet due to ingrown warts. His recovery did not go as expected due to complications such as infection and the warts growing back within 8 weeks. Cigna cut off his STD June 26th 2019 due to doctor's notes not being acceptable. We had to file a appeal which took 45 days and he was only approved til July 31 2019. His employer cut off his medical benefits due to illegal leave on September 1st 2019.

Horrible. They listened to recorded calls and agreed they were contradicting what they had told me 6 months earlier. Now wanted letters of denial that are impossible to get 6 months later No ethics. Purely about saving money. Horrible. Run the other direction from Cigna.

This insurance company is really bad in customer services. Their customer executives are not helpful at all. I requested to transfer my reimbursement amount into my sister's bank account in India but they transferred into my Korean Bank account which I withdraw anymore since I left Korea permanently. I wrote many emails to them but they didn't solve my issue. It already took more than 3 months and I lost my temper. Worst company ever I have bought insurance from!

My story started in July 2019. I woke up one day with a slight back ache ache and was in urgent care by noon. Within a week I couldn’t bend over, couldn’t sleep, was agonizing pain and my left leg was going numb. 2 weeks later my doctor noted the neuropathy and recommended an MRI, after forcing me to see a chiropractor. Denied by Cigna. They said I needed to go 3 months like this before it would be accepted. I paid $500 cash which they said “if you proceed to have this procedure we will not pay, refund or acknowledge the results.”

I purchased, in late July 2019, a health plan policy on behalf of my daughter, who was departing to USA for an one year of post-doctorate activities at Louisiana State University. Cigna representative assured me that the plan selected was in line with the requirements of US State Department for the release of the necessary J1 Visa. When my daughter presented the policy at LSU, in early August 2019, they refused it. I contacted Cigna's representative, by email, explaining the objections laid by LSU, searching for a way to solve the problem. Unsuccessfully I called Cigna sometimes again looking for an way out for the situation.

Every time my spine specialist asks for pre-authorization on something I really need, like an MRI, Cigna denies it. I need surgery on my lumbar spine again and Cigna denied it. I'm so tired of being denied; however, I pay a lot of money to Cigna for my premium. I have been with Cigna for many years because I have not other choice. My employer uses Cigna. They have all of my records from when I had my cervical and lumbar surgeries back in 2006 and 2007. They have all of the information from my spine specialist for everything that has been done over the years. Now, I am having severe pain in my neck, with pain, numbness and tingling down my left arm to my elbow. The pain is severe at times and my doctor wants an MRI (which I haven't had one on my cervical spine since 2014) and Cigna denied it. They state that I have to spend all of this money for different procedures, ect., before I can have an MRI (a lot cheaper).

My husband was a long time employee of Cigna Corporate. During this time, the insurance was top notch. Upon his death, I qualified for Cigna Ins. under Retiree Benefits and received a letter stating so. I had a choice of their insurance or COBRA. When I tried to sign up for Cigna, HR did everything they could to sign me up for COBRA instead. I persisted and after 2 weeks was signed up for Cigna. They took my money, I received my cards and thought all was good. A short time later I had a doctor's appt. and found that my Medical Ins. was never activated and my cards were worthless.

We are on the PLATINUM plan for Cigna and they are constantly changing reasons for denying coverage and trying to figure out any way to deny coverage to us that's in our plan. I had a surgery that was approved that they only paid 4% of the estimated cost to the provider. We are potentially considering going to litigation to resolve this outrageous issue.

My son has ASD and I have a state regulated plan - Cigna makes it so difficult for my son's speech therapy claim to process. They make up lies to prevent my provider to get authorization and do whatever they could to prevent the authorization happened. Unethical and horrible plan. Avoid them if you could.

Ok my story starts back in April of this year. My Dr prescribed me a specialty medication. I had to fight for 3 months to finally get the infusion. Every time I called I would get the same runaround they don't see a prescription for me, I need a pre-authorization, which were sent on numerous occasions. When they did manage to find them oddly enough it would have just expired. Once I started calling constantly they actually got my infusion set up and everything. So I'm good right? Wrong!!! I need to self inject a maintenance dose every 2 months. So since I haven't heard from them I decide to call and see what's going on. Same as before no prescription, no pre-authorization, "Oh we didn't receive it from your Dr," "We sent it to his old office." Not sure how that could happen when on their own site they have the current number plus I give it to them along with the address.

I have been on a pain a medication for over 5 years for Peripheral Neuropathy. It took several years to find the right combination of medications and dosages. CIGNA would not authorized the medication and proceeded to lead my physician on a long ride of different/changing forms and lies. I have been without my medication for a week. My physician finally got a "peer to peer" call appointment. The "doctor" at CIGNA would not authorize my med, but he did authorize a different one, which (wait for it), required ANOTHER PA form to be faxed today. SO, I still have to wait UP TO 70 HOURS according to customer service, to get this new medication.

I just recently retired. I sent to do the pharmacy to get a drug that keeps me alive only to be told that my pharmacy coverage ended 3/19, today is 8/19. I pay them $450.00 a month for this ** insurance. Enroll me in the health plan that congress/senators are enrolled and I bet you that this mess will be fixed. This insurance company is a joke. They deny claims and medical procedures as a profit margin. Please let your local representatives know of this fraudulent insurance company so we can get rid of them. They are no good for the common folk. Trust me.

Cigna is the most worst health insurance company I've ever dealt with. Cheap and won't pay back for coverage on deductible. Left hand don't know right hand. Everyone there doesn't communicate. Piss poor service. You have to fix everything yourself. Never will I pick them again for health insurance. And god forbid you have sleep apnea...need a machine or supplies...you have to go through 3 different companies and still months later they deny you and you're back to square 1. If you are looking at this place, run run and run even faster.

They will fight tooth and nail to deny coverage. A claim was submitted incorrectly and was supposed to be covered by my deductible, but wasn’t. A small claim, but nevertheless, I want it paid since I have met my deductible. I’ve been on the phone almost every week for almost 2 months trying to get the claim adjusted. Every time they assure me it will be completed in 5-10 business days. After a month I started making a fuss and asked why it’s been 30 days when they told me it would be completed. Then they told me they would “expedite” it for me.

I have bulging discs in my neck that I went to the doctor for last August. First of all they made me do physical therapy before getting an MRI which ended up costing me $600, when the MRI was only $200. Then they denied my cervical epidural and I had to fight them for 4 months to get it approved. Every denial was unfounded. For example the first was you are only allowed 4 in a year, I'd never had one my entire life. Then the second was I needed an MRI, which I had after doing the physical therapy. It goes on. Every time I need something they waste my time and my doctor's time fighting to allow the procedure. The people are nice enough to talk to, but I never get to anyone that has any authority to actually fix anything. If I had a choice I'd never use Cigna. Unfortunately I am stuck with it because that is what the company offers.

My wonderful ** insurance company didn't inform me that my current physician that I have been using for months is now out of network after switching to a new health plan they offered. Pushing bill on me without even adjustment to the cost even after I met my deductible for the year! Total ripoff!!!

I reached out to Cigna to have my knee checked out because I injured it on Memorial Day during a run. After paying the fees and procedures for the x-ray, MRI, The doctor that Cigna provided me with diagnosed it as a torn meniscus. Doctor scheduled surgery had further labs and x-rays done to make sure I was clear for the surgical procedure (time away from work) all to be told the day before that I was denied for surgery because I hadn’t undergone physical therapy which was the advice of a 2nd peer Cigna provided not of my choosing. More money to pay. Mind you It was a good 2 months of my doing my own type of therapy prior to even seeing a doctor. So of course I’m pissed because I have everything set up for surgery day.

This insurance company charges an arm and a leg with minimal coverages and high deductibles! Literally can’t afford to use the insurance we pay for! Our son needs his impacted wisdom teeth removed. They are growing sideways and moving his teeth that we paid $6,000 for braces on. The braces been only been off a year! Only help I got was “sorry ma’am, that kind of oral surgery is not in your plan”. What the hell kind of insurance company is this?!?

After posting this review, I was contacted by Cigna and the claim denial was explained. The denial was for the hospital and will not cause me to incur additional charges. Changing my rating to 5 stars as this was the only time I've had an issue with Cigna. Other then this one issue, Cigna has actually been a good insurance company to work with.

I have a Corporate Health Insurance through Cigna Global. I have very severe Sleep Apnea problem and the sleep study doctor advised me to get CPAP machine and notified Cigna. Cigna has multiple vendors whom they call providers. CareCentrix is one of them and it is actually not a provider. We can call them a middle man. They gave the contract to Aura Health Care and they have contacted me from the beginning over the device. Cigna took a 6 months rental for the device and neither CareCentrix not Aura health care informed me over this before I took the device. I was under the assumption that the device was purchased. Nowhere in my benefits it is mentioned Cigna can take a medical equipment and not even notify the customers.

I cut and pasted the information below from their website. They claim that the 1500 plan is the "highest level of coverage available". While talking with one of their representatives I became aware of a 2500 plan at less cost. I have reached out to the company and have not been given a response.

Recently had the need to see a gynaecologist. I attended the appointment thinking it would be straightforward and I would pay myself for the consultation rather than use my Cigna health insurance which had an excess. It was concluded during the consultation that what I needed was my invasive than initially thought so I contacted Cigna. At no point did they indicate that as I had already had the initial consultation it would not be covered. Now after having all of the tests and the procedure carried out I have received a curt letter from Cigna indicating that they will not fund this consultation and that I am liable for this plus my excess. If I had known that I could have opted to proceed as an NHS funded patient rather than made to feel like a criminal for not following Cigna's process. I have raised this with our company benefits coordinator in order that this is taken into account when negotiating the service going forward.

This company has been beyond terrible to deal with. My daughter has a severe epilepsy condition and it is a monthly battle to get her prescriptions. Nearly every month, they want a new doctor authorization that takes them 72 hours (at minimum) to process. You aren't informed of any of that, so when you go to refill it's always a surprise. They switch specialty pharmacies without notifying you and stop approval of prescriptions when they are scheduled for shipment. They forced her to try a generic version of a medication she had been on her entire life, which led to a downward spiral that took months to recover from. They've refused to cover necessary tests until a week after they were needed, despite multiple calls and letters from the doctors. They do not care about the patients they insure and will do everything they can to prevent covering them for life-saving medications.

I had Cigna Connect (which is a joke in itself) in Colorado. Moved to Florida and was informed I had to change my plan to a Florida plan. After being given several different phone numbers to call, received an 8 page application to fill out even though it was the same insurance. Then was given numerous phone numbers to fax the application to. After 3 attempts, application was received in Florida. Money was already taken out in Colorado for August premium even though Florida had my application before 8/1/2019. Yet Colorado says they will not refund my premium because they have no proof I wanted to cancel my coverage in Colorado.

I have a Cigna plan through the health insurance marketplace, for which I pay more than $1,100 a month in premiums. The plan covers NO out of network care unless that care is on an emergency basis; however, Cigna has repeatedly refused to pay the surgeon's fee for emergency brain surgery I had in January of 2019. The reason given for refusing the claim is that the surgeon is out of network. Yet for some reason Cigna paid (a minimal part of) the surgeon's fee for his assistant to help during that same surgery. No mention was made of the surgeon being out of network. Since then I have had discussions with every doctor and facility about insurance companies and am hearing that Cigna routinely refuses to pay or is slow to process claims. Buyer beware. I have hired an attorney.

I work for a defense contractor who offers Cigna as their insurance. The coverage, itself, is fine. The issue I have is their 'incentives' website. It is extremely time intensive and complex to complete and navigate. I have an average of more than $800 I can have deposited to my HSA, BUT since the system is either slow, takes you to many other sites and then you drop off of their site... It is all to disincentive anyone who really wants to do their part and complete the tasks so that the incentives can be received. I have used similar sites offered by other insurance companies and have never had an issue UNTIL I worked with this site. Totally disappointed and cannot recommend it. What a shame.

They only cover the oldest, cheapest insulins. My Dr prescribed insulin I’d been using for 10 years. In the past, I paid the difference in cost with no problem. Now my Dr even wrote a letter stating why I need ** insulin, and they still refuse to fill. How can insurance co. know better than my Dr what I need? Cigna is a bad joke.

I recently changed jobs and moved from having Blue Cross Blue Shield PPO to Cigna, what a huge mistake. The amount of out of pocket money to pay for healthcare is shocking due to how poor Cigna provides coverage and they do not do a good job keeping their in network providers updated. Latest customer service nightmare was for speech therapy for my toddler, after dozens of calls with their customer service and inadequate in network list of providers they advised to get an out of network approval, fill out a lot of paperwork and submit.

After 3 months using Cigna with policy 750, Cigna changed my policy to 5000 and put my husband as primary with no reason. This company replied to my questions that Marketplace has changed my information. I contacted Cigna and Marketplace a lot to follow up on this issue. Then, I did a three-way call and Cigna representative was informed that my policy was 750. However, he asked me to apply through Marketplace again to update their system (Cigna denied I had 750 for three months and took an easy way to fix the issue). Unfortunately, even if all my information was the same, I was eligible for 3400.

I have had many different medical insurance plans and CIGNA is the worst and expensive. Every medical procedure is subject to bureaucratic approval and doctors are second guessed or put through paperwork hell to discourage proper treatment. CIGNA wants to experiment with your treatment often recommending drugs you are currently allergic to but they want you to try them (again) to demonstrate your allergies or the drugs ineffective properties in treating you. The last straw was denying a sleep study in lieu of a “home sleep study” which you as the patient administer your own test to measure your breathing and apnea symptoms.

I have read some other reviews regarding this same issue but nonetheless, I will speak my piece. I was clinically diagnosed March 2017 with major depression and anxiety. My doctor prescribed me **, a new drug that she felt would help. I immediately saw a difference in my behavior and outlook. My company decided to change from United Health Care to Cigna this year. Until this point I felt fine enough on my own to not need my medication as I have bouts of severe depression not necessarily chronic (to me anyway).

Over the last 3 months I have had several serious health issues arise. For almost every scan (ie, MRI, Pet, CT, etc) Cigna denied and required a peer to peer review thereby delaying diagnosis and treatment. In addition, they refuse to approve a prescription I have been taking for 15+ years for which the generic does not work for me. Have been going round and round with them for 3 weeks now and am almost out of my medication. I wish we had never changed insurance companies.

I asked for prior authorization to receive the name brand for an antidepressant because my pharmacy keeps changing the generic brand and, not only are the side effects horrible, but also none of them are working effectively. Cigna denied the request, claiming that I had to try THREE different anti-depressants before they would approve -- when I KNOW that this medication works when it is manufactured correctly! Now in a downward spiral and waiting for an appt three weeks out for my psychiatrist.

I've been dealing with several claims dating back to November 2018, it is now July 2019 and I still cannot get these resolved. I've called and spoken to Cigna reps at least 15 times now. Each rep I speak with, I calmly walk through the issues, they look at my file, see the notes of my past calls, say "oh I am going to escalate this matter so we can get this resolved for you in the next 5-10 business days". I check my account portal 3 weeks later, nothing has changed. I call again. The rep looks at the claims, agrees there does not appear to be any reason why they're being held up, they say they will escalate them. I ask about the previous rep, who said they would escalate, the current rep says they see no notes that this was done, so they'll do it. Repeat. Over and over I've had the same experience.

My son had a seizure and I had to get help from 911 emergency service. They took him to nearest medical center for further treatment from ambulance. I got the bill from AMR about $2200. Cigna did mark the claim as out of network. Deductible was ~$1100 and remaining amount marked as not covered. I'm ok with deductible. But why Cigna says remaining amount not covered that I had to pay.

Was referred to a physical therapist that was on Cigna's "in network" list. Before scheduled treatment, the facility discovered it was not actually in network. Called Cigna to get current list of in network PT facilities, which included two: the place I was first referred to and a children's hospital that obviously didn't treat adults. The contact info was also incorrect. After repeat conversations with multiple Cigna CSR's to attempt communicating with this facility to fix the discrepancy and no follow up up their end, I requested to speak to a supervisor. I was referred to Marylin **, who also failed to follow up. I would have gladly tried another provider if Cigna had other in network options, but they didn't. This was the only place.

I have had Cigna for a couple of years now. I’m in fairly good health, but do have one fairly high maintenance chronic condition that needs management. Last year I had two surgeries, both at the same out of network hospital. I had to go out of network just to find a specialist that could help me with my issues. That was just the first problem. Second, upon receipt of my second surgery hospital bill, I owed more than I should have being that I’d already met my out of network deductible of $10,000 with the first surgery that was at the same hospital. Come to find out, Cigna filed one surgery in network and one out, which means I don’t meet a deductible since the first was filed in network.

I went to my dentist. After my first visit she said I had to get a deep cleaning. I had to pay $500 for the whole procedure. I thought it was a bit high so... I called Cigna to see if they could make sure those charges were valid. A rep from Cigna told me she would call the clinic to make sure that the amount said was certain. After a while the rep called me and confirmed that those charges were not valid and that everything should be taken care of, Cigna would take care of all the charges basically saying the whole process was covered.

Though I pay for coverage tried to use their directory for appointment. Directory out of date, incorrect addresses, could not find a Dr near my home. Finally found one and had normal lab work done. The lab was provided by the Dr. Cigna denied all lab work. The reply from them was I am responsible to double check. Even if the Dr is in network the lab was not. I had my previous insurance for 10 years. My company made a change prior to choosing Cigna over Kaiser. I called my Dr to confirm she takes Cigna. When I could not find her name in the directory it was uncover that I had a different product in Cigna that no Dr near me actually accept.

My doctor prescribed a CPAP. The device was not set up correctly initially, so I was only using it for 3.3 hours a day, 90% of the days. That didn't meet CIGNA's requirements through CareCentrix of 4 hours a day, 70% of the days. CIGNA refused to pay for the device after 3 months. The doctor prescribed a sleep study. He got the device set up correctly, so I was sleeping 6-8 hours a day, 90% of the days. CIGNA said I had to start compliance over. I was supposed to get a brand new CPAP and give up my current one. Two months later, I still don't have a CPAP. After dealing with two other companies and their messed up processes, CIGNA has come back to deny my claim, stating that I need another sleep study to determine if I need a BiPAP. I'm done with the insurance company determining what I might need, while not providing what I need now. CIGNA sleep management is a determent to the health of the American people, their lives and productivity.

Cigna plays God with your health. The company refuses to cover medical expenses for treatments other insurance companies have covered for years. Cigna does not consider how well your chronic conditions have been managed in the past, or what your doctor may order to monitor your condition. I’ve had rheumatoid arthritis for years, and under United and Blue Cross coverage was able to receive the treatments I need to manage my condition well. My husband has a severe case of myasthenia gravis that we have been able to manage with Blue Cross and United. Cigna does not care if people suffer; nor do the company’s doctors respect their highly reputable colleagues in the field of medicine. The doctors spend no time understanding your medical history; they simply follow standard black and white written protocols, without regard for patients’ well-being.

I’m afraid to even go to the doctor anymore because every time I do, Cigna harasses me to send extra documentation to prove that the charge I put on my HSA card was legitimate. What more do they need aside from the fact that the fee was charged by a doctors office and corresponds to a documented doctor visit? I missed a deadline one time for this and now my card was revoked, they’re holding it for ransom for $900 that I would not get back and could only use for medical purposes. If I had that kind of money lying around I wouldn’t need a HSA card. It’s completely obvious that their requests for extra documentation occur in hopes that you will miss the one deadline they send you and they won’t have to pay. I’ve never been so unhappy with an insurance company.

My experience with Cigna over the past nine months, is that it pays almost nothing for various (required) medical procedures, such as X-rays. They only covered half of a breast sonogram that my doctor said I needed as a follow-up to a mammogram. I was stuck with a bill for the rest. The dental coverage is also dismal. Even if Cigna is offered by an employer, in the future, I will no longer take it and would rather take out my own private plan.

Cigna rejected medical claims for lab work for my annual physical as well as diagnostic lab work for hormonal imbalances. They also rejected a claim for lab work for a vitamin D level (my levels had been previously low and my GP was monitoring it). All of the lab work was done at LabCorp, who contracts with Cigna. I used a different lab facility and discovered they had stopped contracting with Cigna because Cigna was not paying them. I had none of these issues with my previous (and less expensive) insurance Blue Shield of California. Unfortunately it was my husband's company who switched to Cigna. I have since learned his fellow employees and their families have been have difficulty with their Cigna insurance coverage as well. Many of these people are veterans. It's shameful!

The 5 star reviews on here seem highly suspicious. My fave is the one praising how Cigna customer service is “ready” to help. Such a marketing buzz phrase. Who is even cognizant of a providers readiness on the other end of a tedious prompt system. Without needing to go into my personal upsets, we were on the coverage for a year pretty much denied everything, I’m trying to remember what was been covered in practice, we went running back to Unitedhealthcare which I didn’t care for until I got the Cigna treatment.

I’ve been trying to have a appointment with medical specialty for weeks and no one from Cigna was able to help me with that. The contact by email is terrible, they couldn’t have that as a way to contact them because it doesn’t work. It’s a shame and I am very unhappy with that. I don’t recommend Cigna as a health insurance.

Tried to get a $400 prescription reimbursed but since the doctor never sent in the preauthorization that was requested by the pharmacy and I even called the office myself to confirm, I’m out $400. I sent in everything they asked of me and even sent everything in a second time because 2 receipts were not on the same paper. This took months and I never once was told they hadn’t even received a preauthorization from the doctor. So the doctor keeps their money, Cigna gets over $1000 from me every month, and I “the customer” lose $400 because other people failed to do their job and now it’s too late to do anything about it according to Cigna. I have a wife and 2 daughters to support and nobody cares as long as they get their money. This is what is wrong with the world today.

I had made call to Cigna helpdesk before buying one Acne LED Treatment device. The representative told that refer HRA eligible products online on FSA store and there if it is listed then you can buy that. I purchased the product after making call to Cigna. The product is 400$ around. Now after 3 months Cigna saying send claim details, I sent them, but they didn't picked up for review for more than 2-3 weeks. After making call they picked up for review and took another 3-4 weeks. Every time I end up following up with them and they never bothered to call back, even if there is any update. After almost 2 months they are saying product is not eligible and I need to pay from my pocket and they blocked the card. This time again they didn't bothered to inform me and simply blocked card, when I reached to them about card being blocked, they told I my claim is rejected.

My daughter was sent to Mayo Clinic in Rochester, MN for a specialized heart treatment. Mayo was out of network, which was the failure of her insurance broker, but the needed heart procedure was risky and needed to be performed there. After an unnecessary amount of time and a previously denial it took a peer to peer review with her surgeon to get them to reconsider and then approval. After many phone calls was finally given 1 minute before her tests. It was found in the tests that the procedure would not work and more tests and a PET scan was needed. It was expedited so she could get an answer in 24 hours for 2 more days of tests. My daughter has fasted for 2 days while being on the phone with at least 10 different people at Cigna.

Our 2 year old daughter was denied the enteral formula, which she is dependent on for survival after swallowing a lithium ion button battery which damaged her esophagus. We previously received this formula through Cigna. They’re now claiming it’s not ‘a covered code’ and ‘no insurance code will cover it’. This denial violates Texas state law for enteral formula. I’ve read about a potential class action and would be interested if anyone could provide that information. Our appeal wasn’t acknowledged and is a futile attempt to give their members busy work. They claimed I needed to appeal via mail or fax. I’m 37 years old, run a real estate company, and have never sent a fax. It’s interesting, in such a technologically advanced field, they require inconvenient an archaic method to create an appeal.

After two years of trying all types of medication doctor was able to find medication that worked. Have data and lab results to support findings. The medicine prescribed got my AC1 from 8.8 to 5 but Cigna will not pay for the medicine. Even with documentation that it works and provide a better life. All appeals have been denied by Cigna.

I have my medical insurance through Blue Cross Blue Shield, but my mental health benefits are apparently covered through Cigna. I say "apparently" because I had no indication on my insurance card whatsoever that I needed to go through Cigna. They don't even give their consumers cards so that we are aware of it. I was referred to my therapist because she was in network with Blue Cross Blue Shield, only for her to submit my claims and find out that she was actually out of my network because my benefits weren't covered through Blue Cross Blue Shield.

I just got hit with a $450 lab bill from my in network provider to do a urinalysis. Cigna didn't pay one cent to the lab. They expect me to pay the whole bill. Cigna claims the lab is out of network, however the lab states they're in network with my doctor and my plan with Cigna. The doctor's office is basically clueless. All I know is that I pay my monthly premium, copays, etc. I make sure I go to in network providers. The problem is that patients get stuck in the middle and foot Bill's they shouldn't. They all blame each other, and they all have different explanations for the charges and lack of payment on Cigna's end.

If you ever have chest pain go to the hospital. Do not go to your doctor's office. All they will do is stonewall you from that point forward. I had chest pains over a two-day. Instead of going to the hospital I went to my doctor's office where I was given an EKG which came back normal. My doctor then wanted me to take an echo stress test. Cigna denied that stress test until I went to see a cardiologist. I went and saw the cardiologists. He scheduled me for the original Echo chamber test then he also wanted me to take a cardiolite test. Both are stress tests. I took the echo stress test last week. I was scheduled to take the cardiolite test this week. One day before the cardiolite test I received the call from my doctor's office informing me that Cigna did not want to pay for the meds for the cardiolite test which cost $2,500. Their reasoning is my EKG test was okay so I must be okay.

The coverage is poor, the copays are high, the options are poor, in-network doctors are limited, bills vary even if it is a reoccurring service, website has a hilariously outdated list of in-network physicians.

I was prescribed and picked up medication my first week; wasn't in their system yet. I paid out of pocket and submitted the pharmacy reimbursement form by mail. They didn't tell me when they denied the claim. When I emailed to follow up, they told me they'd need to back-date a pre-authorization to get it filled, and that they wouldn't do that for more than 30 days back. They told me this on day 29. They got the number of days wrong in the claim (30, not 90). They got the pharmacy wrong (CVS, not Walgreens). In the end, they wouldn't cover the prescription at all. If I had randomly chosen, say, CVS, they would have. They cover 90-day supplies of drugs only from a certain list of pharmacies.

I get absolutely no help from customer service or anyone else. The HMO Drs are the worst! I had a torn meniscus and they refused to allow an MRI. I'm still walking around in pain because I have nowhere to turn unless I want to pay 10 grand out of pocket. Cigna is terrible and I have alerted my company. Probably nothing will come of it but I can't stand this insurance. People with no insurance have better coverage than me.

Was overcharged several hundred dollars for the doctor to look in my wife's nose to confirm she had a polyp which she already knew she had. $800+ for the doctor who spent less than 7 minutes with her but charged for an office visit of 45 minutes. Called to complain but customer service didn't care. This is outrageous and pure theft of consumers!

Cigna requires a Pre-authorisation for all types of claims which is really annoying and can be expensive (Call to UK) and invasive (non-medical call centre staff asking what’s wrong) but with the pre-authorization, claims are processed online and fast. They are not cheap but competitively priced for global coverage (excluding US).

So far they've been wonderful and most everything is paid for, just one MRI scan was not. I have not fully utilized the plan however, since my health is pretty good overall. The customer service is good, wellness visits have been free as well as bloodwork. I do wish I had more of a choice of doctors, clinics. I like the free gym club membership as I stay active. I use the Advantage plan.

Too expensive despite the fact that I was a Cigna customer from 2015 to 2018 through corporate employee insurance of my company. I wanted to get a better deal or one similar to the corporate policy that I had.

We had this insurance through my husband's job at a hospital. It was terrible, terrible, terrible. The hospital paid a HUGE amount, we paid another $6,000, and we basically had no coverage. It's past time to get rid of these greedhead insurance companies.

I am one of the beneficiaries of health insurance through my employer. My experience with Cigna is limited to 5 years as before that I was with Vanbreda which was acquired by Cigna. My biggest trouble with Cigna is their in-efficient and messy platform that is punishing their customers for their inefficient system. I have had a cardio characterization and I sent them the doctor's report and the doctor's contact three days prior to that emergency case and they confirmed that I am fully entitled to full refund. That was on 24th and 25th of Feb. 2019, They haven't stated any specific requirement to this case for the refund.

Insurance companies should make it affordable for people to actually afford healthcare. Copays should eliminated altogether. The consumers are already paying for healthcare so why is it that we are paying extra for the doctor to see us and so on.

I have this insurance + Medicare And WOW. I pretty much get no bills for copays, once a reasonable copay is met. People / Service all fantastic. I would highly recommend this insurance company. I have had one of the others quite a while back, don't remember, but it was not as good as Cigna.

Our company switches health insurance every year to save money to our Detriment, We now have CIGNA and it’s about worthless much worse than all the others, they don't cover anything that adds value to your health, I don't & won't take prescription pills because I think they are poison but they all offer killer pills at deep discounts but don't cover a Chiropractor visit or discount on a massage or vitamins, I would like to try stem cell treatment but they don't cover that either, it's like having major medical and nothing else. We don't go to the doctor's office often, practically never, so what good is it?

Like the rest of the medical insurance companies, they simply usurp the intentions of Obamacare. Absurd deductibles, bottom feeding doctors and zero communication directly with me. Their pricing is absurd - $750 a month for service I rarely use. Anything other than single payer will never work. I personally use Cigna but I've been with many other carriers my whole career. They are all pirates.

These people write underachieving policies, which cut costs for providing the plan, but do not cover vital medicines for the consumer. They don't care about their customers; only the bottom line profit!

Deductible too high, Out of pocket maximum too high, for amount of policy. Cigna doesn't cover very much of the amount billed, if any. I'm sure this is true with all health insurance companies. I am getting a subsidy, so that helps a lot, but until you reach your deductive ($5,500) and out of pocket max ($7,900) they don't do much for me.

I like Cigna. They have very good customer service, provide answers and such with a reasonable time frame, and are always ready to help me. I have had several insurance policies in my long past, and Cigna is one I would use again. I have not had trouble getting any service. They are there to help me with options. I feel they care!

I have been with Cigna for over 30 yrs. I am a single woman with medical problems that require dr visits, lab work & prescriptions as well as several surgeries. I could never afford the medical attention I need without an HMO. I have a dr I like & the facility is close to where I live so it's convenient for me. As I age my medical problems seem to increase & multiply so Medicare premium is a life saver for me.

As long as you can avoid entering a hospital and can locate an acceptable doctor that accepts this insurance (Cigna Healthspring Medicare Advantage in my case), I am very satisfied with both the specialist and primary care provider copays and covered services under this plan.

This is my first experience using Cigna for health and dental insurance. So far I have not had any problems with the coverage plan chosen for the past year and a half. I would recommend Cigna to my family and friends.

Answer phone with name to i.d. who you are speaking to. Quick understanding of questions and prompt response with answer, or how to get the problem solved. They are polite and very pleasant, do not leave you on hold, and thank you for your patience and ask if there are my other other questions you need answered.

Hi, My sincere suggestion to each and every one is never ever go to Cigna TTK FRAUD insurance company. They will simply take your money and waste your time like anything. Finally they will not provide insurance coverage as well as your money... I have had a worst experience with this stupid irresponsible company and its employees. You can call me ** if you need to know more about the things this FRAUD company has done to me. I have enough proofs of this stupid Company's FRAUD promises.

We continually fight for coverage that is due to us. Ex: a prescription will be covered for a full year, then all of a sudden they stop covering. We find that we call every single month because of rejected coverage for a multitude of different prescriptions, and it sometimes takes 3 months before it is covered again. No satisfactory explanations for interrupted coverage. The deductible for our company is $4,000, but I imagine that a deductible is negotiated for each company. So - biggest complaint is interrupted coverage for items that were, and should still be, covered - is biggest complaint. After that the large complaint is the incredibly long wait time when we must phone/call in multiple times every month to present our documentation so that we can insist on coverage. Very inconsistent company.

My insurance is ridiculously expensive and barely covers anything. My deductible is so high that unless I'm incredibly sick, the insurance isn't helpful. Prescription costs are good. Providers and facilities are excellent.

Have a disability policy with them for over 3 years! Had to put a claim in with them! Refused to pay with 3 doctor notes! Had to hire an attorney and still fighting them! 3 years later! I would not recommend them for anything! Rated F at the Better Business Bureau!

Let me tell you a little story about CIGNA insurance: They cover hardly anything asthma related and blame it on manufacturers. They have very kind customer service representatives, who can't do anything, but will help you find coupons or a company that can give you a reduced cost based on income. You are charged 400+ a month for the privilege of a card which barely helps with healthcare needs. Where does this money go? Nowhere, you never see it again. It doesn't lower your cost, you still have a large deductible to meet no matter what anyway.

This is the company's second year with Cigna. I found that it is very easy to contact C.S., and to submit claims. I wish the insurance company would consider the hormone replacement with Bio-identical Hormone therapy. I had side effects with the Conventional treatment.

I've called numerous times and get excuse after excuse why my HRA does not work! They take no responsibility for it. I've been with Cigna for 13 years and they used to be reputable... Wish the union would transfer to UHC! Rude and ridiculous customer service!

On 3/28/19 an email was sent out encouraging people to consider visiting Cigna's Telehealth connections (new product) instead of an ER due to the cost and time frames associated with waiting. Providing medical advice is illegal and will result in mistakes of people judging the severity of their condition. This is beyond despicable. Shame on you on trying to push a new product by subjecting people to misleading information that could cost them their life.

CIGNA is the worst instance ever. I have this insurance through my employer. Not only have my deductible and out of pocket doubled this year. When I finally reach my deductible and out of pocket CIGNA goes back and re-process claims to reduce my cost is that I end up paying a co-pay. For example, in February I was 100% coverage. CIGNA went back to one of my claims when I had surgery (at in-network facility) and said the anesthesiologist was a out of network doctor so they changed the claim to out of network making me still owe for in-network. This is close to feeling illegal.

I had been trying to figure out all that's taken out of my check weekly and monthly...one charge took me almost a year to figure out. At the top of my check it kept saying pretax 152.00. Now that was on my check every week. Well finally found out it was my monthly benefit...600 a month coming out of my check and I still have to pay a copay? I can get private insurance for 300 a month with no copay. During on renewal I opted out of the insurance and the woman got an attitude and said, "Why are you disenrolling." I told her I got a better offer. My weekly payroll checks have been just wonderful since the 1st of the year. ** CIGNA. California kicked them out of state years ago for this type of rip off. Now they're in St. Louis where these people don't ask, don't tell...I'm Cali girl and not having it.

So far Cigna has been no help, rude, and simply does not cover anything. They weasel their way out of everything. I do not understand why there is no law to shut them down. You can't call yourself a healthcare insurance, when you do not allow patients to get their medications, blood work, etc. Cigna is well known for clawbacks which will become illegal in the future. They have many class actions suits filed against them. They have been the worst health company I have worked with so far.

Somehow my insurance info was used by a person with my same name in another state that was not me or anyone I know. I notified Cigna they have kicked the can down the road to include me calling the provider. I continue to receive billing statements 6 months later and they claim they are doing their best. My concern is my Hippa rights and medical info may be compromised. The person in charge KP refuses to escalate and does a poor job of communicating, somewhat confrontational when I did nothing wrong and have been trying to work with them to protect my privacy and make sure other Cigna patients are not exposed to same issue.

I was on a dental scheme and found this service very difficult and problematic. There are issues at every stage. Making a claim, getting feedback, getting reimbursed, customer service... I'm fed up with this, it's a cash loss and I will not renew my policy.

An MRI was requested by not one, but 2 Medical Doctors that are specialists in their field. Cigna partners with eviCore healthcare to review whether this procedure is "medically necessary". My translation; I get to remain uncomfortable and in pain while Cigna wastes time "second guessing" Medical Specialist Doctors by an entity who has never examined or evaluated my condition. This is what I pay sky high premiums, deductibles and copays for? Thank you Cigna, I hope and pray that you get exactly what you deserve. May this serve as a warning if you are considering Cigna for your Health Care Insurance Provider. Unfortunately I had no choice. I hope that you are able to choose.

I had routine physical care last year with a new facility and made sure first with Cigna that it was indeed In-Network. I was seeking a run-of-the-mill annual physical exam with a new In-Network Doctor that was closer to my home. All were Preventative, not Diagnostic visits. Nothing was wrong with me, and nothing was discussed as being wrong with me. I also went to my same place for my routine breast exam and Mammogram - also In-Network, billed and coded the same way as it has always been - as Preventative. Again, Cigna would not accept their code as written to be 'preventative' this year. Nothing was wrong with me, I did not suspect anything to be 'wrong', nothing was discussed as possibly being wrong with me. Routine only. Preventative. Cigna claims that every billing code they received for my routine In-Network Preventative care in 2018 was, (in their mind!) Diagnostic, so they socked me with over $1800 in charges.

Cigna is horrible. Last year a $179 office visit was adjusted down $49.95 by a comparable policy with UHC; Cigna adjusted the same office visit down only $1.06! Customer service rep was rude and snarky, I said "it seems like Cigna didn't negotiate a very good rate for their customers. I'm paying a huge monthly premium and getting virtually no benefit", he said, "Well that's your opinion." Well, yes, it is my opinion. Cigna negotiated less than a 1 percent downward adjustment; if I had no insurance, I could pay cash with my doctor at a 35 percent discount! Very, very frustrating. Horrible insurance and snarky, immature and unprofessional customer service; I guess I have to bide my time this year, but next renewal I will never purchase Cigna again.

Updated on 03/15/2019: Cigna Health Insurance responded that they were wanting to help and wanted me to call back to customer service. The customer service agent was very sympathetic and consoling as she explained that there was nothing she could do. She seemed like a nice lady so I advised her to leave Cigna because she was participating in a scam on veterans and senior citizens and she said she was considering it.

I currently have Cigna. I called in to speak with someone. Was transferred 4 times and each time had to repeat a ton of details. In the end, I was transferred to Oliver. He was the absolute most rude person. He threatened to hang up on me and told me he would not escalate the call. He then proceeded to ask meaningless questions obviously with the direct intent to get me to disconnect. I am shocked at the poor customer service and will look for a different carrier. An hour and 15 minutes I cannot get back of my life. Cigna please train your staff better. It really does matter...customer service.

Associates at Cigna are polite and helpful. My problem is that they refused to pay for an ice machine after a total hip replacement on the grounds that it is an experimental or not proven treatment. Other insurances pay for this because they understand that ice is actually an effective treatment for swelling. My hip, thigh, and knee were incredibly swelled, and I think the ice helped. This is not the only refusal to pay I have received, but the one that made the least sense.

They take your money every month and will not pay for anything. Their customer service are rude and do not help you. I rate their insurance as a -100 if I could. I suggest you do not purchase their insurance.

Horrible customer service and insurance. Beware. They charge a lot monthly and don't cover anything. And the customer service representatives are rude and don't help you at all. Dina and David in the billing dept was rude and shouldn't even be dealing with the public. We pay our monthly payments we should receive excellent healthcare and customer service.

Do not deal with this company. I was enrolled somehow automatically, never used the plan and didn't want it. When I called to disenroll, they told me to call Medicare. Medicare told me the proper process was to call Cigna. I called them back and explained what Medicare said. The Cigna Rep told me it had to be done on their form which would be mailed to me and could only be done by mail. By the time I got their form, it was more than a week later. I filled it out and mailed it the next day. After they disenrolled me, I got a bill from them for the month when I was trying hard to disenroll and got the runaround from Cigna. They are unscrupulous, dishonest, unethical and thrive on the income from billing senior citizens on fixed income. Stay away from them.

Cigna authorized a surgery and cancelled it in the last minute when everything was booked. There was no proper reason, apology or any compensation. It caused severe financial loss and tremendous physical and mental pain. If there was minus score, I would have given Cigna a rating of -10.

I submitted a claim to CIGNA for reimbursement of prescription glasses in Sept. 2018; I completed the paperwork accurately & correctly. CIGNA made an error and send the money to the Provider instead of myself which was indicated on the form. I was told by CIGNA that they would have to get the money back from the provider before sending it to me. After months of me calling & discussing this with several CIGNA reps, the Provider finally sent the money back to Cigna. Cigna representatives have all confirmed that it was CIGNA's error, but the money has been received back from the Provider and CIGNA is holding it. I was told many times the check will now be issued to me.

Routine dental exams shouldn't take over 90 days to process, which is in direct violation of Prompt Payment of Claims Act. Cigna has the nerve to send a letter after 30 days apologizing for the delay and stating that there will be a "one-time extension of up to an additional 15 days." Didn't see a follow up letter explaining why after 90 days the routine claim has still not been paid - same provider as in May 2018 (how do you suddenly become out of network during the plan year) - and for the same amount (so not some outrageous fee issue). Bogus answers and a waste of time - all so Cigna can hold onto its money instead of paying legitimate claims.

I am European Voluntary Service Polish volunteer in France. European Commission provides Cigna insurance for EVS volunteers. Some weeks ago I was sick and had to visit doctor. As EVS volunteer I have 200 euro of food allowance per month and 150 euro of pocket money per month. I paid 40 euro for visit and medicines from my own pocket. Now, after 3 weeks I got the message from Cigna Insurance, that I won't get reimbursement for visit to the doctor and medicines I bought, because I have European Health Insurance Card. It is very strange for me and I think that I really can't feel safety about my health anymore during EVS project. I have no idea how works financial relation between European Commission and Cigna, but if that above is truth, it makes no sense. Don't trust this insurance company, if you are EVS volunteer.

Unless you are having a routine exam and cleaning, you must be careful. After calls, faxes, mailing pre-codes for treatments, and discussing with a supervisor over the phone that the services would be partially covered as stated in the plan, it seems not to be the case. After 4 months, much back and forth, different information and procedures are being stated. A basic fix of a cracked tooth and inlay is mostly covered. The claim came back covered very little. When questioned it was explained the employer doesn't want to cover white fillings only metal, even if you are allergic to metal. However, that was not in the handbook or discussed with the representative during the initial conversation and now they will not cover it and I am appealing again. it feels somewhat like Fraud to state something and then not follow through.

I was forced to use this insurance company through my employer and it was the only one I could afford. BEWARE OF THEIR INCOMPETENCE. You should ALWAYS ask to speak to a supervisor -- IMMEDIATELY! They ask you for your number, BUT WILL NEVER CALL YOU BACK! They say that they record their phone calls, but for some reason the service never improves. I spent two hours out of my work day dealing with them over issues that should only take 5 minutes to resolve at tops.

I decided in 2019 to try Cigna-HealthSpring RX (PDP). Was with another provider in the past but after calling the Medicare senior linkage it looked like this may be a good option, especially since our cost plans went away in MN. Well all I can say is BEWARE! I tried to refill my first drug a generic and this first drug would cost over $400 out of pocket for me because this provider happens to keep it a Tier 4. This is a drug that you can get for $19 with a good app on your phone and no coverage at all, no kidding! Even the preferred pharmacist shook his head and laughed because it was so outrageous.

I purchased a Cigna marketplace plan for 2019. I had one in 2018. My exact plan wasn't available so I had to purchase a new but still Cigna plan. I used the resources available at the time to verify my doctors would be in network because it's an EPO plan. I just went to see my Neurologist who is an in network Cigna doctor. Well apparently the new 2019 marketplace Cigna connect plan no longer has him in network which is odd because he is in network as a BJC doctor which is approved as in network for Cigna as of 2019.

I was beyond shocked to learn that Cigna does NOT cover preventive care! I was shocked to receive a bill for my annual well woman exam, and to add insult to injury OB/ GYN is considered a specialty. I double checked with my Children's doctor before scheduling their well children exams and yup! Well Children exams are not covered! What a horrible practice! If you are considering Cigna... DON'T!

I have Cigna high option plan. My deductible is $2000. My wife needs ACL and meniscus surgery. I have been paying most of everything even though I already payed way over my deductible. I feel like the Cigna insurance I have isn't much help if any. I wouldn't recommend this company.

That's their answer. Need it? No. Doctor says you need it? No. You call and reiterate after 3 denials? No. They will not provide you with health services. Worst plan I've had and I had Anthem HSA last year. This insurance scam is growing.

I have a Medicare HMO SNP which is a special needs plan for disabled individuals. EVERY YEAR, I go in for an eye exam and when I don't get glasses, I get contact lenses. Every single time I'm seen for contacts, Cigna tries to charge me an associated "fitting fee" which I'm not responsible for. In the Evidence of Coverage for my insurance it states, and I quote "Note: Contact lens fitting fee is covered by the plan". On the previous page it states, quote: "Our plan covers: The contact lens fitting fee for Medicare-covered contact lenses".

Even a company of this size, jumps through all hoops to avoid paying even small claims. Top of the line insurance, platinum, sold by commission salespeople, who tell you anything to sell insurance, but know nothing. With an annual premium of 12,000$ and a claim totaling less than 500$ for the year. And of course, after lots of paperwork, just to get the approval, 9 month later they decline to pay. I am now self insured, and happily pay my own way, without having to ask anybody, no paperwork and immediate results. As it turns out CIGNA is no better than small unknown insurance companies. My advice to anyone, stay away, don't waste your time. They are always very polite, just like a snake oil salesman. ;-((

I have Cigna Insurance thru my workplace. It is a High Deductible family plan. So in the past 2 week my medical necessity and Pre-authorization for a Proton Pump Inhibitor was declined. This is after have an upper endoscopy and proof that I am on my way to severe Esophageal Erosion. Basically a precursor to getting Esophageal cancer. Reason? Your plan simply does not cover this not matter what the reason.

A Cigna representative told me that they were going to cover my physical therapy, and then refused to pay the Physical Therapist. I am livid about getting stuck paying this bill. I'd love to know whose pockets this money lined. I will never use Cigna again even if it was free.

I quit smoking and the Cigna team was supposed to send a letter to my benefits team saying that I completed their "program" which was completely useless. Nonetheless, I did it and the "coach" sent my benefits team the wrong letter because he wasn't properly trained. So here I am, two months later, still being charged and extra $200/month because every time I call Cigna to get this fixed they have no clue what's going on, they do not return calls, and they are completely baffled by their own processes. My experience with Cigna has been SO miserable that I would actually look to avoid working for future companies that use them. They are horrible. BUYERS BEWARE!!!

Cigna is always looking for ways to make bigger profits, primarily through drugs. They employ a system called a "clawback." Until your deductible is reached, the pharmacy you use has no other choice but to charge you whatever price Cigna sets. For example, I use a medical patch that costs $480 a month (no, not a narcotic). I found out through a person working at my pharmacy that the cost to Cigna is $130, and the pharmacy makes a whopping $35.

Cigna bought my Lloyds Bank Hospital Plan from another company. I have now received a letter saying they are cancelling the policy because they are no longer going to offer this type of policy. The real reason is that the policy is a fantastic policy. Like a savings plan that the payouts rise faster than the premiums and it doesn’t make Cigna as much profit as their other plans. Then you should never have bought the plan in the first place! I had built up a substantial payout should I have to go into hospital and you’ve just cancelled it without thought! Having read reviews about this company on the net, no one has a good word to say about them. Shame on you Cigna!

Unfortunately after reading these other reviews I don't have very much faith in getting anywhere with this insurance company. I was referred to a rheumatologist for possible psoriatic arthritis. With a long history of auto-immune diseases in my family, and having had three different types of psoriasis for over 10 years one would think the process would be cut and dry. But, no - doctor's request for an MRI in order to see ligament damage. Has been denied not once but twice now.

There is no doubt I pay my medical and dental insurance premiums and was current throughout 2018 with Cigna. August 2018: My daughter had an emergency, compound (bone through skin) complete tibia and fibula fracture not sustained in an automobile accident. She was transported via ambulance to the closest appropriate facility (2 minutes away), was evaluated in the ED, required surgery and hospitalization. She was at risk for losing her leg - compromised circulation, risk for infection, compartment syndrome, permanent nerve damage, and required physical therapy. Cigna refused to pay several times: 1) not an emergency 2) out of network 3) somebody else's insurance should have been liable i.e. auto, homeowner, professional sport, etc. Cigna did not pay a dime of physical therapy.

Please read these reviews. I wished I had. Worst insurance ever! I pay $335 a month, for nothing. I'm asthmatic and need my inhalers to survive, and of course, they don't cover either of them. I have to pay $400 a month full price for my inhalers. I hate Cigna so bad! I highly recommend that you go elsewhere, or you will learn the hard way as I did!!! Zero stars!!!

I was denied quit smoking medication because they want you to use over the counter medications first so they do not have to pay for anything. It does not matter that you pay your premium to them. This is a way they get paid their premium and yet don't have to spend any of your money back to cover the prescription. It does not matter to them that you are trying to live a better lifestyle. When my open enrollment comes around you can bet your life I will be dropping this insurance company. I will never take out insurance with this company as long as I live. You just as well be living without any and save your money you give them to cover for when you need something.

I had to switch recently from UHC to Cigna and my experience so far is not good because of few reasons: 1) They have quite strange screening coverage policy. Screening coverage is very limited if it is done outside of the doctor's facility that referred the screening. It caused very high ultrasound bill for me. 2) A bit strange prescription coverage. They have quite limited coverage of original medications and try to convince you to take cheaper generics. If you take some original medications and do not want to switch to generics, you are screwed. 3) These guys decide if medical procedure is required or not. One more time, they, but not my physician decide do I need or do not need some medical procedure. It is very interesting concept. So, if you are thinking about switching to this company's insurance, think one more time. I made this mistake in 2018 and will try to switch to another insurance provider in the end of this year.

Cigna is the worst. They deny everything and do not care about the patient. I have back issues and have had two surgeries. Each time it is a fight for the MRI, fight for injections and fight for surgery. My doctor says I need another surgery to fix my nerve pain in my leg after my fusion two years ago. He said if I do not get it fixed "it will be permanent"! Well he needs to do a CT SCAN and they denied it. It took them over a month to even deny it and now nothing! I am almost fifty years old and will have to live with this pain for the rest of my life because of an insurance company denying treatment.

So Cigna is the worst insurance company I’ve ever had. I’m sure it’s cheap as where I work switched from Blue Cross, Blue Shield, and it really shows. Have knee issues, and I work on my feet as an officer. Had MRIs completed, surgery scheduled for three months now for TOMORROW. I hear today that it’s been denied. Call up customer service, and the girl I spoke with was very nice, but not much she can do. She even called the Drs office while I was on hold to look further into it. She tells me it was denied last week, and my Drs office appealed it. That was then denied, so step three apparently is a “peer to peer” call. Where Cigna’s doctor, speaks with your doctor, to determine if the surgery is “needed”, which just was also denied. I have torn ligaments, and severe arthritis in my knee, and the only other option is full knee replacement. Which I’m sure also won’t be covered as it’s “not needed”.

I had coverage through my ex-husbands company for several years. During 2018, I had coverage from 1/1/18- 7/30/18. In October, I was notified by my doctor, who is an independent provider, that Cigna was demanding repayment of all the claims for 2018 as they said I was not covered. He was notified that it was going to collections(!!!). After countless hours on the phone by my Dr, myself, and the HR department at my ex's company, submission of paychecks showing payments thru July, documentation by Ex's company showing cancellation on 7/30/18, and verbal follow-up by a Provider rep at Cigna- I was assured by Cigna, and HR that the matter was resolved and the company acknowledged that I was, in fact, covered. Come to find out; Cigna once again has demanded repayment and has no record of ALL the dozens of emails and countless hours put in by Dr, HR, and myself.