Cigna Health Insurance Reviews

I paid a monthly fee of $1500 for an individual plan under Cigna in order to have access to my out of network psychotherapist. When I started submitting claims, not only they initially denied getting them but then mysteriously found them after I provided a copy of the confirmation of the fax transmittal for the 8 pages of claims I had sent them. It took almost a month for them to process the claims and me making endless phone calls that too often got "disconnected" and no-one was able to call me back, so I would have to explain the issue all over again on my next call to a new representative.

My daughter was on ** for five years and when my company switch over to Cigna, they denied her medicine, saying that she should try other cheap med first which she tried in initial stages of her UC. Worst health company.

I called Cigna to find out which hospital emergency room to go to that was covered by their insurance and they told me Center Point. I get treated there and come home expecting to pay a deductible for the treatment and all will be good. When I get a bill from the emergency Physicians, it seems that they are out of network, and out of a 649.00 bill. Cigna only pays 87.00. I call Cigna and they are sorry but too bad. I then talk to a Cigna supervisor who tells me that they don't have contracts or discounts with any emergency Physicians, so I am on my own.

The CSRs at this company treated me very poorly. They refused to assist me with my issue and when I was transferred to supervisor Larry ** in escalations he refused to give me an option to speak with anyone else but him; basically telling me they were going to cancel my insurance when the grace period was up and here I am only 14 days into my insurance? The Marketplace updated my application so I would have the correct premium amount and the CSR and supervisor (Larry **) refused to give me access to a fax number or another person I could speak with in order to show clarification of my corrected premium amount.

Cigna seems to be in the business of rejecting claims that they supposedly cover with the hopes that the claimant will eventually give up and or the time period will expire that the claim can be submitted. I am in the process of submitting a claim for the 4th time. I am writing this while I have been on hold for almost an hour now... My company has purchased a supplemental insurance plan because Cigna has been so difficult and our internal human resources department is tired of hearing the complaints. My company has recently added a dedicated staff person to deal with Cigna. DO NOT DO BUSINESS WITH CIGNA!!! It is not worth the headache!

Cigna is the absolute worst insurance company I have ever had. They are unaware of their own policies and procedures, and will not help you get any clarification. As I have today, you could call two different representatives in a span of an hour (because that's how long it takes to get an actual person on the phone) and get two different answers. When you give them reference numbers they are clueless and can't manage to look anything up. They also claim you don't need pre-authorization for certain procedures/scans, but when you get them done they stick you with the full bill stating it wasn't an approved visit. When you call to tell them you asked for a form and they said you didn't need it but now you have a bill, they say "we'll take care of it" which means not actually taking care of it. Do not use this company. Cigna does not care about you, your family, or your well being.

After changing jobs, I asked my dentist if they took my new insurance and gave them the information. They said yes, without mentioning that it was out of network - because Cigna says that it covers '100%' for preventative care like dental cleaning for out of network and in network services. In their chart, there is no caveat or asterisk. However, I was much dismayed to discover that of the $215 cleaning (I know it's a lot; I live in NYC though), they only covered $56, saying that that was the price they expected to pay for a cleaning. FOR A CLEANING. $56! it seems absurd. That was the only time I used their dental insurance in the entire year. And they wouldn't $215.

I had 3 root canals go bad which forced me to seek tooth replacement. My licensed dentist plus an oral surgeon suggested dental implants due to the fact my other teeth were in very good condition. According to my plan, implants were a covered procedure. From the very beginning of the long process, bone graft, sinus graft, implants Cigna denied 99% of the charges including x-rays. Over the course of 13 months, I made multiple multiple phone calls to try to find out why all the different procedures were being denied, I received many different excuses from many different people including supervisors. Each time I questioned their response they would then come up with a new reason for the denial. The customer service rep would tell me they needed more info. Claims would be resubmitted.

During 2017/18 we filed 11 claims totaling $2670 at CIGNA Behavioral Health. They have yet to pay a single dime. Claims were rejected for little or no reason, typically internal issues at CIGNA. CIGNA's rejection of claims is FRAUDULENT. I'm filing a grievance with the State Insurance Board and my employer, and will gladly join a class action against this company.

I had canceled a policy from Cigna Insurance medical and life but they took out 668.64 from my account. Now they do not want to refund my money. Keep asking for the same thing over and over violating my civil rights and HIPAA policy. Will file complaint in federal government who oversees company like this.

I just reviewed my husband's insurance, we chose the lowest tier of the best plan. It literally covers nothing, absolutely nothing. He has a 3k deductible before they pay anything. What happened to copays. We are paying stupid high premiums for absolutely nothing. If you see CIGNA as a choice for insurance at work RUN!! Do not under any circumstances choose this scam. We could have chosen the HSA and would have better coverage. I feel so duped.

My employer had a vision reimbursement arrangement wherein CIGNA would reimburse for out of pocket vision exam and eyeglass expenses up to a certain amount each year. Every time I used it, it was a major hassle to get reimbursed. I often had to submit my claim 2+ times. My most recent experience, it took four months, three submissions, and at least four phone calls to get reimbursed. And I only got partially reimbursed. Because I got my eye exam at an in-network provider, they refused to pay for my out-of-pocket expenses, since they paid the regular doctor fees. Had I gone to have the exam at a non-network provider, they would have paid the fees. But that would require two visits on my part. I am so glad I don’t have to deal with them anymore. Their reimbursement arrangements seem like they are set up as a scam.

These people should be sued for fraud. They denied my clearly documented Disability Claim through Hilton Grand Vacations. I paid them $1000 a year for Temporary Disability Insurance, and then when I needed it, there were innumerable steps which no matter what evidence I supplied, were denied. Run away!!!

I work for Cognizant. My company has offered me Cigna and I took the high end insurance and I am paying 11000 annually for my family. This is a worst insurance, Never ever it. They do not cover anything. They expect you to pay everything. Everything is out of coverage. If you want to see a doctor you won't find that doctor in network. Their customer service is worst. Not helpful at all. I would recommend to never ever take this insurance. I had Aetna earlier. I never had any issues with them.

I was scheduled for surgery one month prior to the surgery date. The day before my surgery Cigna had not approved my surgery stating that they have not received a medical request from my Doctor's office. I was told that if my Doctor change my status from inpatient stay from outpatient stay they will approve the surgery. My surgery was cancelled the day before my surgery. I was on the telephone with this insurance company all day which revealed no surgery. My Husband took off from work, I'm off from work in severe pain and my return to work will be delayed and my Husband will have to take off from work yet again. At what point does an insurance have an legal right and or the legal authority to dictate to the Doctor as to what treatments are needed.

They misquoted me by $150 and then REFUSED to help me at all with their agents screwing me over!! These people are evil SOBS and their management in Idaho was absolutely horrid!! She was disrespectful and so rude to me when they wronged me! And I was polite through and through but she wouldn't give me MY information and HUNG UP on me!! 0 stars!! Liars and crooks!!

Why are we paying some company hundreds of dollars a month for NO covered benefits whatsoever? We have to meet a $5000 deductible before anything is paid by Cigna. "Deductible" is just a term insurance MADE UP to cover their own costs and overhead for doing business, and it's the biggest rip-off scam in the history of the world. I'd say go to hell, Cigna, but you're already going there.

Updated on 02/11/2019: After posting the review in December, I received notification from a Cigna rep asking me to contact them. I sent an EMAIL to the address listed but got no reply. I sent a follow up and received the same request to contact them at the same address. I tried again, Then I got a reply from the company through this website saying they replied to my EMAIL 2 times. I replied to them giving them my EMAIL address and have not received a reply. I have not received a response.

Up above I had to put a star to post this but I'd rather had not unless they had a negative star rating. Very disappointed, frustrated and hanging on my last nerve with these constant denials they have absolutely no education about. These are RIP-OFF health insurance CROOKS that deny services for their premium paying customers. Prescriptions from REAL EDUCATED doctors legally written and with monthly monitored visits for their patients with serious medical reasons are being denied and they are making patients physically and mentally sick and stressed out waiting for their "5 day authorization waiting period." WHAT! They take your premiums, no problem, You go to the Dr., you pay your co-pay, take the prescriptions to the pharmacy, they fill the Dr.s order for you, you pay your co-pay, you get home, medications are missing and replaced with pink slips saying needs pre authorization from insurance!

Ridiculous requirements, last minute cancellations. AVOID CIGNA! - I get to the point where pre-op testing is complete, surgery is scheduled, and all is just days away. Suddenly I am informed that I need to be evaluated by a cognitive behavioral therapist, 3 visits, in fact, so that we can discuss disease education, activity and lifestyle changes, and stress management. (Fear, anxiety and sadness interfere with pain management, you know.) On a separate email it was stated as this:

I had dental pain and visited a local doctor (Irving, TX). He gave me a treatment plan including several RCT totaling around $9000. Besides that, he caused an irreversible damage to one of my teeth. My wife is also a dental surgeon (Licensed in India) and she decided not to go further with that dentist. I visited India in July August this year and get the whole treatment well below $1000. Knowing that I have a PPO plan where I am eligible to get treatment outside network I submitted my claim with CIGNA.

For over 3 years as an insured employee, and Cigna was the obligatory medical insurance forced by our own company. From 2015 till now Cigna has proven all they care about is how to get their portion of my salary. As they failed for every single aspect as an insurance company. They refuse claims over the most ridiculous reason, and lastly I got crippled due to an old FAI case, they refused to pay for the disability and the dismemberment, I have been paying them more than 300 USD per month for fake medical insurance. They are not even recognized in my country, and all my claims had to be out of pocket even though they refuse to pay anything at all. DO NOT TRUST CIGNA MEDICAL INSURANCE, THEIR AIM IS YOUR MONEY AND NEVER CARE ABOUT YOUR WELL BEING, I did not dare to say satisfaction.

Cigna insurance claim process was fine until I gave my notice of termination. They proposed to extend till 08/12 (another month) just in case I would have to claim new expenses covered by my current policy which I accepted but as soon as this was agreed I got denied access to my online client portal. I promptly enquired with their billing and customer services (those two services obviously don't talk to each other...) and was replied as follows quoting "e ven. 23 Nov. 2018 à 09:02, Billing and Accounts an écrit: Thank you for your email. Although you are still covered until 08/12/18, when we process the cancellation it removes the online access to your member portal. I will forward your email to CS to discuss any claims further."

Undoubtedly the worst prescription drug insurance company I have encountered in my 73 years. They cannot fill a prescription through their mail order delivery or even confirm coverage at a local pharmacy without endless red tape and phone messages that an order is “on hold pending more information”. And this is for refills of existing prescriptions as well as new ones! I have been trying to have a prescription filled for a month without success.

This Medicare prescription drug supplement insurance is the absolute worst insurance plan I have ever dealt with. I recently tried to refill my insulin and the price last time was $120 and since then nothing has changed except this time the price was $198, when I contacted Cigna I was assured it would be taken care of, and today I found out the price has now been raised to $340 with zero explanation from Cigna, and my deductible has paid for months. Avoid this company at all cost. This company should be investigated for criminal charges.

I walk into my local urgent care and I ask them how much a walk in would cost out of pocket. They tell me is $90+ whatever tests they need to do. A strep test is $25. They tell me it should be around $115, I tell them I have insurance thinking it will cover at least some of that. The doctor sees me for about 5 minutes. Checks my throat and gives me a prescription for antibiotics. The strep test comes back negative.

This has been the worse health insurance I ever had. The broker mislead me to get the best policy and assured me that I would be covered in the event of an emergency. I got the insurance last December and only used it one time 9 months later for an emergency. I paid $455 per month for next to nothing. I am responsible for $3700 of a $5500 emergency visit. I’m 53 years old and have had independent health coverage most of my life. Humana, Blue Cross/Blue Shield and Aetna. I never had a bill this big in my lifetime due to lack of coverage. The amazing thing is I’m paying more for this insurance than I did any other. I am working with a broker from BShield who told me the same policy they offer for this coverage which I pay $455 per month would only cost me $265 with them and he wouldn’t recommend it cause it does not cover much.

I have been to the doctor three times this year. EVERY time I am told I have no coverage. I have to go home and call them and straighten it out. They sure have no problem taking my monthly premiums without a glitch but trying to use the card they issued me is NEVER accepted. I beg them to fix this to save me being embarrassed at the doctor's office but EVERY TIME the same thing, "Oh, you have no coverage." For this I do not like Cigna and would NEVER recommend them as an insurer.

Do not use Cigna. Went to 5 locations trying to find mammo location. As of now I have NO primary assigned and cannot get referrals. All existing referrals have been denied and we are left out in the cold - DO NOT SIGN UP FOR CIGNA IF YOU WANT HEALTH COVERAGE - NUTS.

They hire a copy to precert their patients for everything- CT scans, MRIs, scooters; you can't even get crutches covered with an injured limb. They make it so impossible to get medical coverage that you end up paying out of pocket. The patient does not come first with Cigna - the dollar comes first! I don't even have an HMO and am paying biweekly a fortune for this insurance. We have had United and Aetna for years and never had this experience- we are going back to United first of the year.

Website lists doctors that haven't been active for years, in facilities that don't perform the basic function searched for. Customer Support suggests only dead-ends. Left hanging with serious medical needs and no options. Do not use. Worst experience ever.

20 years ago had a cervical laminectomy. 11 years ago had c5 and c6 fused. Over 50 percent of fusions result in other neck surgery due to "wearing out". Severe pain, loss of sleep, numbness in left arm (c6-c7) tri-cep nearly useless now, constant pain. Dr. needs MRI, CIGNA says no, need a minimum of 6 weeks of "failed" PT or ** shots. I've been through this process, never have I been told to do PT on what is clearly a herniated disc. The longer it goes, the higher the odds of long term permanent nerve damage. Tried ** with no luck. Going to see a neurologist, hope he can get through to them. With clear narrowing of the spinal canal, bone spurs and stenosis, disc replacement surgery is the answer, but must have an MRI first. Very, very poor.

For months my wife has played this sick game that Cigna seems to be very infamous for. Constant denial of a service, requests for additional information, wait 6 months and try physical therapy. It's a herniated disc geniuses, these do not repair themselves. Almost a year in the process we are 9hrs from surgery on my wife's spine. 830pm we received a call from her Dr. Evidently Cigna was to call by 8pm to confirm coverage. In true Cigna fashion, there was no phone call and of course they are closed. Surgery will now need to be rescheduled, and I get to talk with someone who will apologize profusely but never really accomplish anything. If Cigna is your only option, don't take it. Pocket the money, buy some sort of major medical policy and stay the hell away from this horrible company!

For the past few months I have been calling Cigna representatives countless times, to no avail, in order to fix errors in my account. First they removed, without consent my wife from the policy, added my daughter without authorization etc... It took me two months to fix that one alone. Now they're charging me about $1,500 on top of what I really owe them!!! Every representative agree with me that there is a mistake... yet after hours on the phone with many "managers" nothing has changed. They actually took a huge sum from my account AFTER I removed automatic payments and after I had their promise that no money would be taken out until the case was resolved! This company is pathetic!! I don't believe that it's possibly a mistake after all this time and this run around. I think they want me to leave because I have a grandfathered plan and they don't like it! If anyone feels the same, speak up - we'll get to the bottom of this!

Cigna Health will go to great lengths to keep from paying authorized and/or covered claims. After a year of phone calls, faxes and other correspondence, Cigna Health Management approved a prior authorization request covering Botox injections (for every 3 months, for 1 year) as treatment for jaw-closing oromandibular dystonia. The request was submitted by an in-network dentist. DMD (Doctor of Dental Medicine) was clearly written on the prior authorization request next to the dentist's signature. Cigna has refused to cover the claim submitted as a dental claim (because there are no appropriate A.D.A. codes for the procedure or diagnosis). The Cigna customer service representative said to file the claim again, this time as a medical/pharmacy claim.

Cigna refused to cover my son's NICU bill even though it clearly states in their policy that newborns are covered under the mothers for the first 30 days. I spent months arguing with them and even my hospital could not believe that they were refusing coverage and talked to them. I ended up with the $80,000 bill that I am still paying off. Fast forward a year and I decide to get dental insurance with them because they are the cheapest and have good coverage. Anytime I call with an issue I have to sit on hold for hours and get transferred from person to person, with no one ever helping me. Cigna is the absolute WORST!!!

This plan is awful. I hurt my shoulder. They denied the MRI. I lost both my parents to cardiac arrest and for 5 years in a row they have denied me stress test. If you're thinking of using Cigna. Don't do it.

Learned today from my oncologist that CIGNA employees receive incentive bonuses for denying a certain amount of services each quarter. My Drs have instructed me to get regular scans to monitor my health yet they continue to get denied by CIGNA contractors who know absolutely nothing about my health background. Do anything you can to avoid this insurance.

I followed the instructions. I needed to be covered on October 1st to have a prescription refilled. It is October 2nd and I have not received my insurance card, so I called. Didn't do me any good though. They can see in the system that I have coverage but they refuse to give me my membership #. I have to wait for the card to arrive in the mail. I'm out of meds but oh well. I chose them because they are the cheapest and that is my fault. I should eat less and wear the same clothes till I can't sew them together anymore so that I can afford to spend more on health insurance. Then I could get better coverage. When will America wake up and start to fight to be better - not just for the rich but for everyone.

I had a repair and buildup of a tooth in September of last year and my dentist office estimated that Cigna would pay about 717 dollars. Instead, Cigna gave them the runaround for 8 months before only paying half that much. Now I'm on the hook for the remaining amount after moving and not being in the financial state I was when I got the procedure done. Don't trust Cigna to pay what your dentist thinks they will pay. Don't trust them at all.

I joined a Cigna Network Savings plan in August 2018 and paid $179 plus a $20 non-returnable application fee. When I discovered my dentist is not listed, I wanted to switch to a dental insurance plan. I was then told that is not possible, as these are two "different departments". I then joined an insurance plan and paid the first monthly dues on September 10, effective October 1. I called "the other department" to cancel my savings plan and now, 17 days later, after spending an hour on the phone with Cigna, where they hung up on me twice, it is now clear that my insurance was cancelled and I was advised to join again. Thank you, but I will take my business anywhere else. Of course, not a word about any refunds yet.

Every claim is denied for different reasons. I had colonoscopy. It was denied because it was billed as diagnostic instead of preventative. I had a bone scan to see if my osteopenia had progressed. They paid for it 2 years ago. It was denied this time because my Drs. office is in a hospital and was billed thru the hospital. It has to be done in a Drs. office not hospital or outpatient. I had called Cigna and had procedures pre-authorized and told them where they would be done. I was not told they would not be covered. I have glaucoma and have to have eye exam every 6 mos. I normally pay only my co-pay until last year. Cigna would not pay for all of the exam, because they no longer pay for one exam I must have. Cigna keeps changing their coverage as they receive claims. It seems they are laughing at the consumers as they make changes that the insured would never know about, and the changes are not listed in provided Cigna material.

Called Cigna to cancel a dental policy. The call itself took 15 minutes as they had to ensure they had the correct mailing, and contact information for me. After going through that, they said the policy was cancelled. Two months later, I receive overdue notices that the policy is now delinquent. When I call back on the day I receive the letter, I say I previously cancelled the account, but continue to get billed, and now a delinquency notice. The operator once again refuses to do anything until she confirm my mailing, and contact information (going so far to ask if the number I am calling from is a work, home or mobile number).

I have had Cigna /Samba Federal Health Plan since 2010 without issue - until these past few months. Apparently, Cigna now uses a 3rd party to determine medical necessity. A request for an MRI of my neck to determine what/why my right arm is numb, painful, tingling has been denied. The list of hoops they want me to jump through before they might actually reverse their decision is extensive - neurological exam, physical therapy, x-ray, spinal manipulation, to name only a few. One would think that with spinal stenosis, bone spurs, bulging discs, osteoarthritis, and degenerative disc disease any reasonable medical panel would see a need for an MRI. My medical provider tells me that the longer it takes to figure out what is causing the numbness, the more likely it is that I will suffer permanent nerve damage.

Cheap worthless insurance. Companies probably get it for employees because it is cheaper than almost all other insurances. Any insurance that refuses to pay and you get hundreds of dollars in bills IS WORTHLESS. PROS: Cheap - which is why employers get it. CONS: everything else. Most ER doctors will send you $1000 bill. They refused to pay for blood work ordered by doctor for new patient. Most good doctors are hesitant to take this insurance - it probably tells them what to do and what not in treating patients.

THE WORST HEALTH INSURANCE EVER. My family and me have Cigna for more than one year and we always paid everything to have the best health plan at all (which is always very expensive). Now I did an endoscopy exam and it shows that I have reflux, which a lot of people have in all over the world. Cigna just call me now saying that they would not pay the exam and believe it or not, they are not going to pay me anymore anything related to gastro or intestinal subjects. SHAME ON CIGNA GLOBAL!! THEY CHEAT THE CLIENTS!!! CIGNA NEVERMORE!!

Called CIGNA for help with a claim incurred by my daughter while out of state. Service was exceptionally polite and efficient. The agent solved both the hospital and provider claims, volunteering to call the billing company of the ER physician. All in all, he provided a top-notch level of service, exceeding my expectations.

I am writing this review on Consumer Affairs because people need to know how shady Cigna and their business partners really are. I need a 4 wheel rollator to help me get around because I have arthritis in both knees. This all started May 2018. I called Cigna to make sure I was covered and they told me I was. Cigna also informed me they have an internal company, aka "middleman" aka "roadblock" called CARECENTRIX who would handle the coordination of getting my 4 wheel rollator. In May, I went to see my doctor and she wrote a prescription for a bariatric rollator. I didn't have a model in mind but I figured I would get something decent. CARECENTRIX had Apria Medical locate a 30 pound, heavy, bulky rollator for me. One I couldn't possibly lift to put in my car trunk. I told Apria I didn't want the bulky rollator and they canceled the order.

The wife is unable to use her right arm, two doctors say it may be rotator cuff problem. Cigna was sent a request for an MRI which they turned down and approved x-ray stating if she has the still has the problem in six months they would review the case again per the doctor. I advise against taking insurance with them, my wife and I both have them.

My husband had his prostate removed in late June 2018 due to cancer. The surgery went very well and it didn't show any spreading, the margins were clear. 3 weeks later he took another PSA test to get a base reading. It should have been zero since his prostate was removed. It was 55, which means there is still cancer somewhere. It may be in the bed of the prostate or is it somewhere else? The Dr ordered an Axium Petscan which is supposed to be better at seeing something like this, but of course Cigna said no.

In July, I was diagnosed with breast cancer. Since then Cigna has sent me letters questioning the medical necessity of various scans and tests. Today, Cigna denied my pre auth for my Oncotype dx test- this test calculates the rate of cancer recurring in my body. My doctor needs this test to know if I need chemo. Cigna doesn't care that I have cancer. Cigna is delaying my care.

Do not choose Cigna as your health insurance carrier. They would rather spend money on TV ads, hiring TV stars on the ads. But they would try to save their money by denying the requests that your medical doctors deem necessary. They would make your life miserable, full of anxiety because you have to fight for your benefits.

Okay Cigna, we are officially in a fight. I have never had beef with you as my employer provided medical insurance. I have actually been grateful for you!! I was grateful for you up until recently. The customer service that I have received from your company in the past has been amazing. Anytime when I have had an issue or a question about coverage, you have always helped explain things in an easy to understand manner. I also really love your “Doctor’s Poses” commercial, it makes me laugh every time I see it.

Can I give minus star? There has to be a way to give you guys minus stars or Zero Stars. Your claim department especially dental claim and your online representative and phone representative must be living in different planets as they have no coordination. One gives approval, other denies and third do the same after wasting 2 days of precious time. A procedure which is covered by insurance-after my dental office got approval and I got approval too from Cigna - was denied by dental claim dept. Here is the EPIC RESPONSE from the most intelligent group of people "Although the procedure is covered but necessity is not met..." Really! You based that on what? Nobody even bother to get X-rays and records from Doctor's office and now telling me to go labor department for complaint. Surely I will do it and I will make sure to raise awareness about your pathetic and frustrating services.

Have been trying to cancel my insurance with Cigna since more than a week. Their insurance policy clearly states that it is possible to cancel the contract at any time with a 7 days written notice. I have been writing emails to them nearly every day for a week and they just refused to cancel my insurance for no reason email after email. They even tried to sell me the same plan for a lower price just to keep me on their insurance. The contract should have been cancelled already, but for some reason their Customer Service stopped replying to my requests of termination. They were very fast and friendly when I signed up, but now they don't want to cancel it, despite what it is written in their policy rules.

I hate to say it but Cigna is the worst insurance company I’ve ever had. Their preauthorization process is ridiculous. If a doctor orders a simple test like a CT scan, do not be surprised when it is denied, even when you are facing cancer. This happened to me twice. They are currently asking for additional information on another medically necessary surgery I need to save my life. I received a letter today telling me they didn’t have enough information to determine if this was medically necessary. I had a head and neck CT scan.

Cigna Insurance under the Hillsborough County Board of County Commissioners is horrible. This is the second time we have had them since I've been here. I was so glad when that had switched from them and very, disappointed when they decided to switch back. I fell down on my right foot due to it falling asleep. My foot ended up its side (inversion). I had immediate swelling and bruising. X-ray was done didn't show anything. I was also referred to a podiatrist by PCP and advise to stay off my foot, and RICE method. I have not been able to be at work, due to the nature of my job that requires me to be on my feet 90% of the time. The podiatrist examined my foot, explained to him what happened.

My husband was diagnosed with Progressive Multiple Sclerosis in February 2017. After the new IV treatment therapy, Ocruvus, was released in March 2017, his neurologist prescribed that medication. Cigna denied this medicine and requested him to try and fail on two older medicines that was not even prescribed for the "Progressive MS". After they finally approved the IV therapy in October 2017, he had to cleanse off all MS medicines for 6 weeks before he could start the IV treatment. He passed away 3 weeks into his cleanse. He was a young 55 years old and it was way too early for his life to be cut short due to someone's decision to NOT pay for the medication. I truly question the medical background and education of the team that approves or denies medicines and procedures for Cigna. Comments from a grieving widow.

Cigna's customer service needs serious improvement. Some operators are clearly incompetent or not properly trained to do their jobs (One kept insisting that I am on Medicare when I am not and had to pass me along to another agent who knew more). Some do not follow through on what they promise to do to clear up problems -- they don't call back with info as they promised to do or they don't correct the errors in their database that caused a problem with filling a prescription. Some have insisted that my policy did not cover medications that it positively DID and refused to let me speak to a supervisor. They claimed they didn't know the names of any supervisors or how to contact any(!!).

Cigna Insurance under the Hillsborough County Board of County Commissioners is one of the worst providers ever in my 29 years, 3 months and 6 days with the County. Leg, foot and knee pain so bad I can't sleep and hardly walk and now going on the 5th week. And they have drove the medical bills up to over $10,000 and only approved a PARTIAL pelvic MRI which told them nothing about where I had a cancerous lymph node as the test didn't cover that part of my pelvis and a Sonogram to discover a blood clot behind my knee. They have REFUSED to do a full pelvic MRI as ordered by a USF Orth doctor so he can see what is causing my leg issues.

I’ve had an absolutely atrocious experience with Cigna. Please do not get insured with them if you want to make sure they honour their commitments. I was meant to go for knee surgery after an accident. Cigna accepted the claim, but we were still negotiating on where the surgery would take place. Then my coverage with them ended and now they refuse to honor the claim although the law is pretty clear that they have to honor the claim once it has been lodged with them. My organisation and the insurance broker have lodged a complaint with the insurance regulator in the UK. I didn’t have any issues with them when I only claimed for small medical treatments, but my first and only experience with them on a major issue was absolutely degrading and that’s the type of insurance I really care about.

300.00 a month for a $7500.00 deductible. And after that was met, Cigna only paid 50%. I loved the fact that without insurance (nothing) a visit to urgent care was $165.00, under this plan a visit to urgent care was $155.00! $10 cheaper???!! Why are you paying premiums then? Just a joke. I cancelled after 1 month.

Had Cigna Health Springs in Lake Country Ind. from 2014 to Dec 2017. The only reason why my husband and I kept them is because of my husband's sickness. I couldn't just up and switch. But from the time we joined we had nothing but problems with Cigna Health Springs denying meds for my husband. Just to let you know that the next to the last time my husband was in the Hospital when he was discharged from the hospital he was given medicine or rather scrips for his meds.

I have at least five hours tape-recorded of CIGNA and there is not one answer that is the same as the next. This company is criminal and they need to be accountable for their actions. They’re dealing with people's health and their life. There is no attorneys that I have found so far that are willing to take on this company so that tells me they’re very powerful so if there is one out there please respond and let me know because I think it’s a great class action lawsuit... I can back up every single phone call I have audiotaped. I have let them know that I’m audio taping them and anyone that would listen to this audio tapes will be amazed at the information that they give you! I was scheduled for a medical necessity that was approved out of network until they said that I needed surgery now they will not approve my surgery. I was scheduled for tomorrow and I’m not able to have it and it is something that is deteriorating my health.

My name is Wendy **. My family of 5 have had Ins with this company for over 17 years now. Not only are they unethical they don’t cover what they say. We have medical, dental, vision and mental health. They are always deny our doctors request for test not one time but over 15 times now. My daughter Alexis had to go to a neurologist To see what was wrong with her, pain in her legs and neck. She has had migraines from the time she was 4 years old. Her doctor asked for a MRI on her head and spine. They come back every time saying it’s not covered but it is. We called and asked what our Ins covers.

My name is Jennifer ** and I am writing regarding a claim that I had with Cigna and where they denied my claim and have failed to send me a formal denial letter. Since around October of last year I had started suffering from headaches, low back pain and neck pain. These are the areas that I am and have been complaining about consistently throughout this time. I could not take the pain any longer and went to see my regular doctor and they had no record of me, Dr. **, located at 11102 Sunrise Blvd E, Puyallup, WA 98374. He had been my doctor since 2011 through 2017. In March the pain in my low back, neck and the headaches got so bad that I was unable to work and had to find a new doctor.

My plan includes coverage for prescription (90%/10%). Walgreens Pharmacy informed me that Cigna said no coverage in my plan. I call Cigna and representative say I have coverage. Walgreens call them again and no coverage. Then I call Cigna again and now they say no coverage. I come back home, check my plan’s paperwork coverage and I do have coverage. I call Cigna again and they say that Walgreens does not process direct billing to Cigna... (My husband has Cigna Global and no issues getting prescriptions at Walgreens).

Cigna Healthspring took me on as one of their members with full disclosure of my medical issues and needs. And yet, for the past year and a half they have DENIED all treatment prescribed by my PCP and the specialists I've consulted. Despite repeated appeals, seeing different doctors who make the same conclusions and recommendations, Cigna Healthspring persists in DENYING the care my doctors prescribe. The effect has been a worsening of my physical state, the refusal of my Nashville TN doctors and now my NYC doctors, to continue to care for me because, in the words of my PCP "There is nothing more I can do for you. Your insurance company keeps denying what I prescribe and recommend."

Cigna denied claims in order to delay payment. They also have denied a needed chemo drug because of cost and they decided which chemo I could take that they would pay for. They denied my needed ** shot which I needed to increase my dangerously low white blood count, saying they would only approve a generic brand which my hospital did not carry, this caused a delay in my treatment. Cigna has denied CAT scans and PET scans and eventually would approve after a peer to peer review again causing delays. Since I have had Cigna my disease has gotten worse. They are dictating what I can and cannot have and going against what my Doctor who is trying to help me get rid of my cancer knows I need. Their only concern is the cost not the value of the needed treatment. They are playing with my longevity as I have terminal cancer. How can they continue to get away with this?

I became the advocate for a friend with head and neck cancer. She is being denied care with the drs. and hospitals needed for her form of cancer. As the advocate, I have been given the total run around. She cannot talk on the phone, so I talk for her. But when no one is listening, it doesn't matter. We have reached out to get outside sources for funding, and because Cigna is involved, they are not even taking cash? I would not take out anything or refer this company to anyone. We are in the home of the free and brave, and we are rejecting health care to those whose lives depend on it? We are not the only ones this is happening to, I promise. Just do your research, and let us band together.

Avoid at all cost. Don't send me meds I didn't ask for, let alone charge my card 350.00 without saying a word. My book criminal - yes filed a dispute with the credit card company. Never authorized anything and idiots claim they had a right to do so- NOPE- rather pay out of pocket than deal with this company. Jump ship if you can. NEGATIVE STAR PLEASE.

I have had Cigna for years... I am 80 years old and totally disabled... All was excellent until the last months of 2017. They charged me up to 100 dollars a month from only 10 dollars a month for year. Then in January of 2018 they changed and did not know about the change. Now they charge another 28 dollars a month, I am special needs plan. For about 6 months they took my only income of $101.00 allowance from my Social Security. I tried to get out but for months with professional help from the government assisted living employees where I live, but we went in circles for months. We finally got out and I am changed to a good plan now. I will never get my money back. How many others did they benefit from and rob too??? Run from Cigna Part D RX.

This company calls me non-stop, many times per day. I have never done business with them nor asked them for a quote. I block their numbers and they just create new one to call me from. Hey CIGNA, do you honestly think by aggravating and harassing a person will make them chose you??? LOL, quite the contrary and I'll be sure to pass the word on to others. Get a grip.

This has got to be the worst company to receive information from the representatives! ** for migraines was prescribed for my daughter and EVERY REPRESENTATIVE gave us different information as to what the financial responsibility was going to be through our plan. It went from $50 every three months for the ** cost to the $750 deductible and no fee after that to $750 deductible and 20% of the cost of the **! I dont know about anyone else but that is a big difference. How can so many representatives read the same plan so many different ways and who knows who is right. We are at their mercy. Plus last year they changed “specialty pharmacy” for the ** without any notice to us so we are stuck with a $1400 bill with the old company. All Cigna says is we are not responsible but guess what? We are or turned over to the collection agency. I SAY RUN AS FAR AWAY FROM CIGNA AS YOU CAN!

Over the years Cigna has been one of the best insurance providers I have had to date. Their customer service has improved significantly and their automated phone system prompts have also improved.

Whenever I have had a question or concern I have found Cigna's customer service to be above all others - I have never said that about any other insurance company in my 56 years on this planet.

I can never get any information from them. If you need a price on anything, it take a couple days to get it. Their website is horrible. Their system is horrible. I show a bunch of my claims, but no information. It shows what was billed, covered and what I owe. I call and said, "How do you know what they are billing for? Why can't I see what they are billing me for?" No information at all. That's crazy, so I am suppose to trust what was billed. I have a right to see on their website what was billed and itemized what was covered. I had Aetna insurance for 10 year and never ran into this problem. With today's technology there is no reason for this. Doctor offices can bill for whatever they want, how would I know. Not acceptable for the amount of money I pay for having insurance with them.

Had an ER visit escalated to emergency in-patient surgery in January. My Cigna HMO insurance card states I should be from 2-300 bucks in charges for in-network surgery. Stupid ** (Cigna) phone numbers all go in a run-around when called. I'm literally still getting bills to this day from ** they're not going to pay. Anesthesia, patient check up... My Cigna bills state I've hit a maximum (when we're not on an insurance policy with a maximum) even though it does not list anesthesia as a separate bill EVEN THOUGH WE WERE IN NETWORK AND HAD NO CHOICE.

Company gave bad information to the dental office about coverage. I was hit with a surprise bill. Uses much technical information that is hard to understand: surfaces, white versus dark fillings (does anybody really want toxic amalgam fillings?), molars vs bicuspids, waiting periods. You might need to go to dental school to figure it out. Surfaces - this is a new one for me. A filling placed on the corner of a tooth is not fully covered. It has "three surface" and therefore does not qualify for the "two surface" requirement.

This is the worst insurance I've ever had. They do not even give you EOBs. You have to request that the EOB be 'generated' and they can only send them by mail or fax. Castle Dental overcharged me nearly $200 for a procedure and Cigna's response was basically that it was my fault because I didn't take in the 'schedule' and negotiate (based on billing codes) what the dentist *should* charge. It appears that Castle Dental routinely overcharges for services when you use the Cigna Dental plan.

I went to pay for my **, I have Fibromyalgia, and when I asked for Walgreens to transfer my insurance from Walmart, Walmart said they were cancelling my policy. No explanation, so I had to pay the higher premium from my other insurance. Also, they sent me a letter in the mail, it explains nothing on why they cancelled it. I want an explanation, or my money back.

Cigna is quick to deny coverage under the cover of not meeting medical necessity or Experimental. They get to decide what is necessary. Not your health care provider. I will be changing insurance companies next enrollment. If appeal is denied again! Along with getting lawyer involved.

We had Cigna as our insurance provider for the year of 2015. I became pregnant with our first child and had some major complications which required a long-term hospital stay (for which we were approved for). Not only had we received the go ahead for our stay, but we made sure to choose an in-network hospital and doctor (I think that goes without saying). My condition was an emergency as well as life-threatening for both myself and my unborn child. In total, I stayed in the hospital for about 3 and a half months. I was taken in May and was discharged in August when she was born a month early. We thought life was good, I was safe, my daughter was healthy and we were all paid up on deductibles and remaining costs to us. We were eager to start our new family on the right foot.

My husband suffers from a chronic autoimmune disease call Stills Disease, which is painful, hard, and stressful for the both of us daily. If only that was all we had to deal with, but Cigna has only heightened our pain, hardship, and stress. Over the past year and a half, my husband and I have felt unsupported, uncared for, and lied to by Cigna. We receive mixed messages, vague answers, blame shifting, and overall feel as if we cannot trust a single person at this organization. It is very challenging to get my husband set up with the doctor care and treatments he needs for his illness because of Cigna. It was all so much more manageable when my company used Kaiser. Here are just a few examples of what we've been through:

Entirely unprofessional, taking advantage of those who need medical care. Errors in their system caused confusion to many at my company who used to be covered by them for pharmacy. That confusion then turned into verbal promises (over the phone) that medications would be covered and the errors would be fixed, only to find out after paying out of pocket that it would not. I paid for the highest level of pharmacy coverage I could, knowing I was getting surgery. They ended up paying $0 because my prescription exceeded the quantity - and I only got a tonsilectomy. I feel horrible for those who have more serious medical problems covered by Cigna. When I called genuinely confused, they were so rude. I can’t fathom how the gentleman I spoke to sleeps soundly at night after how he treats people calling regarding medical issues - very condescending. So glad my company no longer uses Cigna for pharmacy coverage.

I hope people are reading these negative reviews for the CIGNA health insurance company and will run away as far as possible and go with another health insurance company! We have spent nearly a year making phone calls to them to clear up an expensive lab bill mistake THEY made by NOT updating their database and making US pay for THEIR mistake. We went through the appeal process which was a JOKE and they actually sent us a letter congratulating us on our win when all they did was apply these high lab bills to our deductible!!! DUH. CIGNA... REALLY??? Which meant we still had to pay them or deal with debt collectors who naturally wanted their money.

I’ve had poor experiences before with Cigna, but this one really put me over the top! I have major surgery scheduled in 6 days and while Cigna has approved my surgeon, they are not approving the ENT who is the piece of the team who gives the surgeon access to the area of my brain he will be working on. At least get someone hired who understands what the heck they’re talking about and doesn’t send out denials just because they don’t understand the procedure. If this doesn’t get approved in time, I may need to postpone a very serious surgery, or be prepared to pay out of pocket for the rest of my life. If your employer gives you ANY other insurance choice, stay away from Cigna. They’re offering companies cheap insurance, then not paying claims to make up the difference!

Due to acerbating of acid reflux to my asthma and well being doctor prescribed generic ** to which my insurance has the audacity to price as $307 for 90 days and when tier lowering requested came up with $126. To my amazement when asking friends and family what they pay... It came out as $3/30days on some and up to $12 having insurance and ordering generic. Of course I imagine Walgreens and the manufacturer have a good time slamming people with these costs to make their profit! We can only hope the day comes when they need a drug they cannot afford the cost! Our president and senators and congress continue saying they will do something to help us!!! When will this happen, if ever???

Had severe rapid heart rate. Cardiologist sent me for nuclear stress test and other tests. Cigna wants proof now that they were medically necessary. Do they really think I would go through this for entertainment?

Cigna administered insurance and Cigna Home Delivery pharmacy service are equally horrible, poor coverage and an utter pain to use. If my employer had any other option available I would switch insurance coverage. I would never recommend Cigna Insurance nor the use of Cigna Home Delivery Service to anyone.

I have Lupus, it is severe and disabling. My doctor prescribes medication to slow the progression of the disease and also to relieve the chronic pain associated with the disease. Cigna denies my medication every time it is prescribed even if they have approved it the month before. I end up having to jump through hoops and usually go without meds for an extended period of time. Cigna does not care about its consumers and I seriously believe they just deny meds so I die faster.

Denied Lockheed Martin short-term medical leave benefits - My doctor provided all the required documents and they still denied my short-term benefits for a transplant recipient. I sued and they still only paid half. They are scam artists that prey on people during their most vulnerable times. I suggest companies choose an insurance company that will help your employees get better and not cause undue headaches. Their process is time-consuming and hurts LM employees return to work times (dealing with excessive requirement and long, drawn-out response times).

This company sucks and to deny surgery to a veteran because a fat ** doctor doesn’t agree with the hospital such as Loma Linda university is beyond me. This fat ** doctor that sits behind a desk and make decision on your life has probably ripped us all off. What’s the use of having insurance.

My sister had some test come back abnormal and the doctor suspected colorectal cancer. He order a CT and colonoscopy. Cigna denied the CT because her lab test results weren’t “bad enough”. My sister paid out of pocket for it so she could have the colonoscopy. Turns out, she in fact DOES have cancer and further testing/treatment has been ordered. We won’t know what they’ll deny until it happens but my sister is fortunate enough to have family and friends to help in case Cigna fails her AGAIN for not being sick enough. If Cigna was my only option, I’d rather pay out of pocket (it would probably be less expensive in the long run anyway). Thank you, Cigna, for denying my sister the testing she needed. Thank you for accepting her monthly premiums, copays, and deductibles and then denying her when she needed you.

Cigna is requiring a chronic pain patient with dementia and intractable headache following traumatic brain injury to see a Rheumatologist before allowing a trial of **. The man is permanently disabled and opioids do not work. So no relief in site. Screw us per Cigna.

and pain meds. Our company is dropping Cigna as a health care provider but, if you have no choice in choosing your plans and you're stuck with Cigna... good luck. Get ready to pay cash. Switching to Blue Shield. PS Cigna now knows we are dropping them so they are refusing more and more services to our employees. NICE! Shouldn't that be illegal? Don't know why I'm writing my first review ever. Merely voicing what 700 other people have already said on this site. F Cigna.

Having to interact what Cigna calls "customer service" is difficult, time-consuming and draining. And given their dishonest inefficiency, every claim has to be followed up manually. Avoid at all costs. Ask your employer to switch. And vote for whichever candidate will put these parasitical companies out of business.

Their reimbursement request process is so awkward. On average for each reimbursement request I have to try 3 or 4 times. Their system disallow modifications. If you made any minor mistake they will deny it and you have to restart everything. There's no detailed explanations so you have to call them. They tell you to what need to be revised and when you resubmit your request they tell you something else is wrong. Intentionally they try their best to deny everything. I always see incorrect numbers or mysterious numbers in their explains.

Cigna is repeatedly denying a gap exception to cover a solid custom molded AFO that my surgeon has determined is medically necessary. We have submitted all of the documentation Cigna has requested, and are told a different reason each time they are denying the request.

Terrible company!!! They administered my company's disability plan and took EVERYTHING from me - my retirement, my life insurance, my pension my minor children's social security award, my social security award, etc. etc. etc. This company has NO MORALS!!! Look elsewhere as this company will only cause you stress and make you sick. Beware!!

They claimed that my ** was too expensive and that I would have to use generic ** or at a minimum try other medications before they would cover it. They clearly did not look at my medical records because I have tried a number of alternatives but I was forced to use ** which gives me a number of negative side effects. The ** was perfect, I had multiple doctors tell me I should be on that medication but they still would not cover it. Well my insurance recently dropped so I asked the pharmacist the cost of my generic ** and was somewhat surprised to learn that it was $204.95, and I was paying $5 for the copay. With the ** I would have paid $40 and the cost without insurance is ~$270 meaning I have been taking a medication that hurts me to save Cigna $25.05. This is absolutely appalling.

Do not use this company! I was with Cigna HealthspringRx for approximately 3 years. Their service was not exceptional from the beginning - but my last experience left me wondering how they can possibly be in business. My wife and I have plans to be away from home for 6 weeks, so I needed a vacation override - to be sure I had enough pills to take once per day - which would mean I would need a 60 day supply of my meds. This proved to be impossible - or it was impossible until I told Cigna their process had beat me down to where I had to find another source for the medication.

Cigna LIARS: Brianna and Celia the nurse - I wish I could rate 0: Don't talk to them. Ask for another team. They admitted lying to me to make me calm down. They said I was being irrational and excitable, with mood swings (crying, depression, reckless, anger, etc...) in multiple instances on the phone, yet this is perfectly normal and I was denied disability. My doctor says that I am not ready for work, especially because I work with very hazardous chemicals (sulfuric acid, and hydrofluoric acid) at my job. My doctor will not sign off "CIGNA Fit for Duty" paperwork until she finds me fit, and so I can't do anything about going back to work.

I was in a position where I had to change from United Health Care to Cigna for the 2018 year. I have a medical condition where both of my shoulders have severe deterioration of the tissue now causing bone on bone grinding at all times. The expert physicians I have engaged with all have the same diagnosis which is full shoulder replacement of both shoulders. It is my personal decision whether I choose to have these surgeries. I'm in my mid-forties and I am concerned if I have the should replacements now, then I very well may have to have the surgery AGAIN 15-20 years from now. I don't want that...

Got a pre approval for Dentures with implants to hold them in. Was pre approved by Cigna that implants would be covered. When dentist turned in for payment they were denied claiming that there was a previous denture so the implants would not be covered. Went back and forth with "so called" customer service for 2 months. Finally got the date of the alleged previous denture. Had dentist verify this and then was told they would not be covered because her gum was good enough to hold a denture. Why they have pre approval is a mystery to me. They change their decision whenever they want to not cover things. Then they tried to claim it was never pre approved. It was bad enough that they didn't cover what they said they would but to claim it wasn't pre approved is a outright lie. Never want to have Cigna for insurance again. Thankfully I have a new job that doesn't use Cigna.

Dealing with the incompetence of Cigna-health Springs Pharmacy DMR is the worst. They charge for things they aren't mailing for weeks. Will not listen about mail times. It is not the same from Portland, OR to Seattle as it is from Portland, OR to rural AK but won't change reorder dates to accommodate. Send inaccurate letters to doctor's office saying that the medication wasn't part of their formulary, when what they really want is a prior authorization bogging down prescription times and doctor's personnel and not accomplishing what needs to be done. Causing a lapse in medication.

I had a prescription for eye drops at the beginning of January with a coupon given to me by my doctor. The coupon read that the prescription would be free. When I picked it up from the pharmacist, there was no co-pay. I left with the drops. Two weeks later, I had to pick up another prescription that should have been covered by my employee HRA. It wasn't. I contacted Cigna to find out why. The rep said the funds were used to cover the drops - the ones that should have been free. $500.00 of HRA funds went to this supposedly free medication. I asked to speak to a manager about having that claim reversed, refunded, or issued a credit of some sort. Manager wasn't available and I was told to call back the next day. I did and spoke with Keri or Kelly, not sure of the name as I tried to forget her as soon as the conversation was over.

Cigna stopped paying my short term disability payments because they said they haven't received a form from my doctor. The doctor's office claimed that they faxed it the same day I was seen. It has been three weeks now and my case worker at Cigna claims he's been calling twice a week to get the form. I called this morning and spoke to a different person. She tried to call the doctor at the number listed in my file and the number isn't even valid. My claims rep has been lying to me for three weeks. He hasn't even tried to get the paperwork he needed or he would have known that the number was no good. In the meantime, I've got bills piling up and no income. What a waste of money to pay for short term disability insurance.

I have spent a good hour reading all the negative reviews from everyone. And it does not shock me at all to read how we the customers are disappointed with Cigna. I am the victim of poor customer service by every individual at Cigna. It is disgusting that this company is still operating. My issue concerns a bill of $77k in which Cigna will not cover after a yr long investigation. Prior to my baby's due date I contacted customer service. Spoke with a rep who said FL law requires babies are automatically covered under my insurance. With that said every call made after that was same response. After baby's birth I again contacted Cigna and NOT ONE person ever said to me what I needed to do. It was not until the hospital billed me for $77k stating Cigna denied claim. Since Oct 2016- Oct 2017 I have contacted Cigna however, to spend countless hrs on the phone being transferred and explaining my issue to an individual who doesn't care.

Terrible, terrible, terrible. Took Cigna more than a month to get my insurance in effect. Their website is a nightmare. Their automated phone system is a nightmare. This company doesn't care about its customers. Nothing but problems. Stay away.

When my wife was pregnant with my first child she had "health insurance" by Cigna under her employer at the time. When she had to leave work, we paid the COBRA payments religiously. 1 week from her delivery date, Cigna said they never received that month's payment and her policy was canceled, effective immediately. 2 weeks later we received the last month's payment we had mailed ON TIME. Imagine the stress of having to pay $600 a month FOR A SINGLE PERSON'S HEALTH INSURANCE, worrying about prenatal care, preparing a home for your first born, and trying to fathom how you're going to make it through the next 6 months, let alone the next week. Now you're hit with an unimaginable $26,000 hospital bill that should be covered by the health insurance you've been paying into for 5 years. They won't cover anything.

I only make $24,000 a year. $3,600 of that goes to the annual Cigna premiums and I have a $6000 deductible and that's through my employer plan! Can you say WORTHLESS?? The Cigna plan is to steal as much as they can per month and discourage you from using it with a hulk sized deductible. Bottom line is they are thieves.

I am very troubled with all of the negative comments and reviews. I had Cigna through my employer for 27.5 years. I have 7 children who are all now grown and on their own. Four of these children were adopted in 1999. Cigna notified us to let us know that we could add them once they were placed in our home. They covered them under my policy for almost a year before the adoptions were finalized. My husband has had to have 2 major back surgeries...one in 2000 and one in 2017. Both of these surgeries were covered 100%! We have never had an ounce of trouble with Cigna in any way!

Loan request - obtaining info. In dealing with this company I found it very frustrating. 1st it took almost 3 months for them to send copies of my life insurance policies and then when I requested a loan, it was another 8 weeks before they finished up on my request. There is little to no follow-up with the consumer. Had I not made weekly calls and follow-up on my requests I would still be waiting for correspondence. In this day of electronic everything you would expect a phone call or email to confirm someone is working on your request. This company needs to put more into customer relations. They are very good at asking for their premiums but not at all helpful when you need your money.

When my wife got a job that had "good health insurance" I was really happy. Then came the signup process. Even though we were only given a few options, it was incredibly confusing. It's like Cigna intentionally obfuscates the workings of their coverage, which I'm guessing isn't far from truth. So now I'm covered right? Wrong. Almost nothing is covered. They say "preventative health care" is covered pre-deductible but apparently almost nothing counts as preventative. So now we're paying a LOT for insurance (even with the help of her employer) and then paying for nearly everything out of pocket on top of that up to our $6000 deductible. I was better off when I was too poor to afford insurance and Obama set me up with this sweet plan. Now most of my paycheck goes into medical bills.

I had a complete hip surgery at the end of September 2016. Of course I meet all my deductible and out of pocket expenses. I went to Connect for Health in Colorado to pick a new insurance plan for 2018 on November 15th. They said that my wife's SSDI had to be added to figure out tax credits and that the last month I would have to pay more for my premium.

We paid more than $20,000 a year to this company but our plan only paid less than $2,000 for our visits in year 2017, they applied as much as they could to the deductibles/copays. Their stock share price keep increasing all these years and now it's rocket high, think about how much money they made on us every year.

I had to change health plans due to Anthem Health care leaving the Marketplace program. Cigna sent the bill and I paid it. I went online to register my account and the website said I need to contact customer service because it did not show my address. I called on Dec 29th and spoke to a CSR. He reviewed my account and it showed my previous address from a year ago. I asked him how did they get this address? He said it came from the Marketplace that sent the information. I informed him that something is wrong because the bill sent by Cigna shows my correct address. He could not answer that question.

If I could give this company a 0 stars, I would. We pay an enormous amount per month for medical insurance and they literally cover nothing! We have a daughter who is a Type 1 diabetic and she has been on the same insulin for 10 years and they deny coverage for her insulin and want her to go on a different insulin. Since when does an insurance company dictate what medications a person should be on? Ridiculous!

My husbands company just switched insurance companies to Cigna. Previously we had United Health Care which I liked very much. Since the switch in September we have had nothing but trouble. I needed an MRI and before I proceeded with it I wanted to ensure that I was covered, for how much and how much I would be responsible for. Well that call took 2 hours!! I called Cigna who said they did not see an approval. I called my doctor who had the approval and an approval code. Called Cigna back and they said no such code and had me call Dr. again. After doing that twice I said you need to call my doctor. Turns out it was the right number, it was a Cigna # and they outsource to another company and was looking for that number??

I had no choice but to take this insurance through my employer. It is a big scam! They don't want to pay for anything, and make you earn reward points/jump through hurdles just to get the basic coverages that any other health insurance agent would cover. I tried logging into their online portal and have not been able to do so for over a week. When I called, they said they were in the process of updating their site and I was then redirected to another number. When I called the new number, they had was a bunch of soliciting messages about free oil and signing up for the gym etc. Seriously, what health provider tries to sell you other items?!?

If you have a choice to go with a different insurance company I would advise you do so. I had several medical complications following my delivery. I stayed in the hospital all together over 3 weeks. I had to have blood transfusions & several surgical procedures. Needless to say Cigna made it extremely difficult & did not want to pay me. Steer clear from Cigna if you can.

Cigna is denying treatment I have been receiving for 10 years! I have Blepharospasm and require injections to hold my eyes open. This is a covered benefit but they say it is not medically necessary. When I offered to send 10 years of medical records they refused to accept them. I am functionally blind without treatment and they won't budge to help me.

Four years of being customer, used to be so pleasant to call in and get answers to my insurance coverage QTs. They had a survey at end of each call to relay your evaluation of the call experience quality. Now my question seem to get lost in the maze of people that answer calls out of country and half rude American call center. And 40 minutes go by bouncing between transfers, can’t get answers and can’t get the right department. Cigna! You cost so much $, and has really deteriorated in quality of customer service.

I've had a lot of health insurances in my life (private, Medicaid, military, even VA) and Cigna seems particularly troublesome. A couple issues: They screw things up. First, when we were adding someone to the plan, they added the wrong person and we had to go through a process to correct it. Commonly, I'll sit through long phone menus just trying to reach an agent and be transferred to the wrong extension or number.

I couldn't find the right person to talk to, ever. They kept telling me I was talking to the wrong department. I couldn't get a refund. Finally, about 3 months ago I finally cancelled my service. At least that's what I thought, until today they subtracted $240 from my bank account. I am now over withdrawn and I am furious.

I have been diagnosed with esophagus cancer and need a pet scan. However the doctors at the insurance office where half my paycheck goes every week know better than the cancer doctors who have requested the pet scan. If the specialist can’t get the test they need because my “insurance” company “or criminal organization“ can play god then what the point in paying so much a month for insurance.

I was very pleased with the doctors in the network however Cigna will NOT approve the hospital these doctors do surgery in! I have a Medicare HMO with Cigna and yes they will give the referral but that does not mean they will pay the bill!

I'm now 3 months without a check from Cigna. I am the victim of a hit and run. They stopped sending me a check. I didn't even know for a month as work was paying 25%. So I was receiving a check from them. But when you're laid you in bed dealing with a bunch of new pain meds it's very hard to know what all is happening. So I call to restart claim. I was working with Clint for two months though he never returns calls. The few times I got him he asked me to have all info recent to him. Then he called and left a message very rudely starting the case was closed and he didn't know why I was calling?

The customer service reps don't know their jobs. They definitely need way more training on how to read policies. They tell people the wrong information.

If you have a choice do not select Cigna. Both physicians and members are so frustrated with working with this company because this company seems to put their own members’ health at risk in order to boost Cigna's profit. Stop. Select another carrier. Issue: Your doctor has no control on your healthcare... My physician ordered test only to have a Medical Review department deny testing, therefore, putting your own health at risk. Of course, you will not experience this issue until you become sick yourself. WARNING... DO NOT SELECT CIGNA... OUR PHYSICIANS HAVE NO CONTROL OVER THIS COMPANY PUTTING PROFITS FIRST!

I've had 4 medical insurance companies in my life and Cigna is the worst by far! They dictate your healthcare as they believe they know what's best for you. CIGNA could care less what your doctor's recommendations are, they only care about money! I've had two Me I'd denied this year without jumping through China's hoops, i.e. physical therapy or other alternative treatments. I recently had a prescription denied even though they covered it the previous month, Cigna believes there cheaper alternatives. I might add they gave me zero notice.

I changed jobs in March 2017 and the only health care option was Cigna. I woke up one Sunday morning and my eye was swollen and my head hurt really bad, I went on the Cigna website to find an urgent care that was in network from their site and found one close to my home. At urgent care they said it's pink eye and gave me an Rx and sent me home. Then next morning it was worse and my whole head was swollen. Not yet having a PCP I opt for an ER knowing it was going to cost me a bit more than an urgent care. I felt it was an emergency and worth the extra fees. I was told it's cellulitis at the ER and given 3 medications and sent home. I ended up with a bill of over 2000.00 from the ER and 152.00 from urgent care Cigna sent letters saying they saved me money of about a total of 200.00 wtf. They are a rip-off. Pay for nothing with this company. They are a shame.

I first ask anyone with a CIGNA issue to file a grievance with your state and federal Health and Human Services Department, and Office of Civil Rights. I have TOO MANY grievances against Cigna to list. They lie, refuse service, and have caused GREAT DAMAGE to my health. They refuse to answer my grievance. I made a complaint regarding an overpayment to an imaging center, and inability to collect it. Cigna's response was to "if you are unhappy with your health care you can change your PCP any time." That was their answer to resolving an overpayment issue.

I have had Cigna for my health insurance for about 3 years. In 2016 around June, I received a statement that my premium would go up by $48.00 per month. All that was stated was that an "adjustment" needed to be made. Ok, fine. So, I paid the increased amount the rest of the year. In 2017, I paid my premium every month on time. In March, my online statement said I owed 8 times what I normally pay. I probably called 3 times a month for 3 months because I would call and be told a different amount that was owed.

I have CIGNA Health Care as my primary health care, and on May 11th, 2016 I had a colonoscopy, which should have been paid in full under my coverage. On October 12th, 2017 I received a bill from the hospital who did my colonoscopy for $113.40, which was odd because it should have all been paid by CIGNA. Unbeknownst to me, CIGNA wrongly processed my claim as an "out of network" claim, so the claim was not paid in full. Not knowing that my insurance should have paid in full, my husband had paid the original bill from the hospital in the amount of $713.40 when it was due. After I did some digging and realized that we had paid $713.40, that was not our responsibility, I called CIGNA only to be told that it’s too late to file an appeal, so for being good people and paying our bills on time, we are now out over $700.00!

You do all the work for them. I am very frustrated with the whole process of submitting every claim personally, I spend a lot of time as if I had nothing more serious to do than this! Also their information on the website about what they reimburse and what not is really not detailed and the surprise: no claim!

I suffer from an autoimmune condition resulting in physical changes that can be emotionally traumatic. From the age of 16, this disease was plaguing me and hijacking my quality of life. A medication was prescribed to me, and I was hopeful of the benefits. Previously, I was on Blue Cross Blue Shield and received this medication completely free of charge two days after calling BCBS. The medication worked wonders on me -- a 100% recovery from the disease I had suffered for almost a decade. I got a new job in May and was give Cigna through my work. This may have been the biggest mistake I had ever made. On August 3, I called to get a refill of my medication, 3 week before I ran out of my remaining supply. I figured I was being proactive ordering it so early. My usual pharmacy said Cigna prevented them from filling the prescription and that I had to go through Cigna Specialty Pharmacy.

I have been with Cigna for as many years I been employed with the large medical company, till this day. I choose the high deductible because we do not use our insurance. The only times my medical, dental (cleaning) and vision (glasses) has been used is in accordance to annual checkup and mandatory physical. Hence, we are fit and physically active people. For the first time this year my daughter has been diagnosed with a disease. Her primary care physician and a specialist both prescribed her on a exact same medication that did not have generic brand yet on the market. Cigna refused and both doctors submitted request/appeal twice so that's 4x request and appeal.

It is unbelievable what this company is getting away with. I was scheduled for an SI Joint fusion and Cigna denied my claim to cover it. After many appeals from myself and my surgeon for 4+ years I became completely bedridden. My situation deteriorated drastically and after a while of not getting the surgery I needed I was not able to walk, stand or even sit up. Eventually I had to get on Social security disability and within 2 months of being on Medicare I had my surgery. It is insane that I have spent the last few years of my life learning to walk and even drive a car again because my insurance company denied my claim saying it was not "medically necessary." Now the government had to pay for what my medical insurance refused to.

My husband had 3 bulging disk where two of the vertebras were rubbing bone to bone to the point where the bone starting chipping off. My husband could barely walk to bathroom which was less than 10' without assistance in extreme pain. They denied his long term disability saying he has a manager job he needs to work. So they wanted him to drive all drugged up on pain pills, couldn't sit upright and barely walk. We had to appeal which we won but my husband had to wait another 2 months for surgery which fusions in his L3-5. Then they told him once he gets the surgery he will get his long term disability. Well he finally got surgery but guess what? They closed his account and has to appeal that now and now telling us it will be 45 days or more to receive an outcome.

I am having difficulty trying to understand why I am paying thousand of dollars out of pocket for a minor Foot surgery. I'm talking thousands plus paying a copay everytime I go back for a follow up or a complication from the surgery. I do not like Cigna at all. They get my payment every 2 weeks because I have to have insurance but they pay nothing. I had Excellus before my company switched to this low grade company. Never ever paid this much out of pocket. I'm left with taking out a loan from my 401k to pay these bills. I do not like Cigna at all. If your company switched to them beware. It's horrible. And their customer service read from a script. They're clueless half the time. I pray for some kind of relief from this low grade company. They pay nothing. You're better off just doing it alone because it sure feels like I am.

I filed my claim on August 31 2017. They told me it was going to take about 3 days to process. Well on the 3 day I did not hear from them. So I decided to call them back. They told me they was waiting on the doctors to call back. Well if I did not give them a call they would left my case on hold. After I told my case worker my next doctor's appointment was on that following Friday but still no check. So I found another doctor that can take me before then but still no check. I sent in all the paperwork I had from every doctors' office but still no check and all they are saying is, "We are processing the information and it going to take more time." It's been about 3 weeks and I have not received any money but paid for this insurance every week to get get a runaround.

My husband had Cigna insurance through his company, that was deducted from his check each week. While still insured through them, he had gone to the doctors, paid his copay, and everything was submitted and covered through the insurance company. However, a few months later his company switched insurance companies due to inadequate service. So Cigna decided to no longer cover his doctor's visit, that occurred under their plan while they collected the premiums to cover it. Now we have a large doctor's bill to pay. I'm pretty sure when you're getting paid to provide a service and decide to keep that payment and spitefully refuse the service, that is considered fraud. His company and him have been going rounds with these people for the last few months and we are getting nowhere. Stay far away from Cigna, they are nothing but crooks.

I spent 2 1/2 hours on the phone yesterday trying to get the insurance company to talk to my child's doctor's office so that she could have an MRI done today. After 2 1/2 hours they still wouldn't approve the scan - so I now we have to wait 3 more days for them to speak to my child's doctor so that he can try to convince them she needs the scan. I have had the appointment for the MRI for 5 weeks now... and the day of the test I am told they didn't approve it. It is ridiculous that I have to be on the phone for 2 1/2 hours to try to get grown adults to talk to each other and do their jobs. We used to have United Healthcare through my husband’s job and they were fantastic. I have paid more out of pocket with Cigna over the last couple of years than I ever did with United Healthcare. I am going to file a complaint with my husband’s job - hoping they will change companies.

Where do I begin??? They lie, they tell you they have all your records or you don't need a certain one - then they send you a letter! BIG FAT LIARS. I still don't know why I fall asleep at the wheel, Cigna doesn't care. Cigna has decided that I did not need physical therapy after back surgery.

In May of this year, I got diverticulitis. After two rounds of antibiotics, my doctor ordered a CT Scan to make sure they were treating me correctly. Cigna ordered a medical review which after a week, the CT scan was still not approved and I was in extreme pain. My doctor told me to go to the ER which I did on 7/3/17. I went to an "In-Network" hospital. Cigna Connect does not pay anything on an "Out of Network" facility or physician. I was given a CT Scan and admitted for acute diverticulitis. In the week they were taking to decide whether to approve my CT Scan, they endangered my life by second-guessing my physician. I was in the hospital for two days with two different antibiotics being given to me intravenously. When I was released, I was sent home with two different antibiotics to be taken for 10 days. Just as before, after a couple of weeks of taking the antibiotic my pain returned.

If I could give negative stars, that's all Cigna would receive. They are vile crooks and their insurance policy is a complete joke. I have been filing a claim for over 5 months and they finally resolved it this week. I was supposed to get 80% back after I covered the deductible, which I did. Instead of sending me a check for $320 like they were supposed to, they sent me a worthless check for $40. They "disallowed" the other charges even though they said they'd be covered after the deductible. I asked why they were disallowed and they couldn't tell me. How a company can allow the charges you paid and disallow every cent they are supposed to pay is beyond me. Then they charged me $1200 for an anesthesiologist that I've used multiple times and is in network. I'm so upset that my husband's work got switched to them.

In 30 years of employment, I have had health insurance with numerous companies. None of them - none - has ever come close to Cigna for sheer awfulness. I would prefer to deal with the cable company than Cigna. At least with the former, I'm pretty sure I will receive some service for the money I pay. When Cigna first denied coverage for the treatment of my child's very significant medical issues - treatment that was strongly recommended by multiple licensed health professionals - we chalked it up to bad luck in carriers but continued to submit what claims for that portion of his care we were told would be covered. Even this small portion, however, has been denied.

Cigna's answers to questions are vague. Plus I was triple charged for 3 months following the month after signup with quote. They still haven't resolved issue on record keeping and address.

I have been waiting for a claim to be reimbursed for since December 2016 and it is now August 2017. Though it is not a lot of money, the issue is that the medicine was not delivered on time due to no fault of my own. It was UPS that ** my delivery so I had to request my doctor to order my medicine from another pharmacy and pay out of pocket. This is really bad on Cigna's side as my premium is very high and yet I get this crappy service. I will giving this feedback to my HR group and will look forward to switching the healthcare to the insurance that cares about its customers and/or at least charges less premium. For the price paid to this insurance company, I am extremely dissatisfied by the service. I am giving this review so other companies can see this and NOT choose Cigna as its primary provider.

I went to my family doctor for severe pain in my back. He sent me to a spine surgeon. I have a tumor on my spine. The spine surgeon said they needed an MRI to see how deep it is and what's it surrounding. I had to get approval from Cigna for this. I missed my first appointment due to it not being approved. A week later another appointment was set and the hospital called me the day before and said it was denied. That I needed to do physical therapy. I asked the woman who was dealing with it how to do physical therapy on a tumor? She said I don't even know how they came up with this. It was coded correctly. She then told me to contact cigna and fight it.

Since I started getting my prescriptions through Cigna, on my second refill my prescriptions went up by $22 more. So it cost over $223 to get my medication. Within 90 days the person talking on the other end said that's your out-of-pocket cost. Ask him why it cost went up? She says it's your responsibility to pay out of pocket. The previous company that I was with for my medical, I didn't pay as much it went up by more than doubled. I think that Cigna Health program prescription drug program is more concerned about their back pocket. This continues to rise each 90 days I will not afford to pay for my medication. Something needs to be done.

I don't understand how this company is used for an established institution. They are totally mismanaged. I am waiting 3 months + on a claim payment that was supposedly sent to a wrong address and then thrice called and spoke with them for 30 or more minutes. Reps say they will call back and never do. No one follows up. No claim payment, no check, no one can say where it is or why it's not been paid. Total waste of time and money. Now I owe a provider and have no $$$ to pay them. Thanks Cigna for making my life harder!!!

In November of 2016 my husband and I switched Medicare supplement providers from CIGNA to AARP after CIGNA had two consecutive, very large increases. In December after we were approved by AARP, we called CIGNA to cancel our existing policies. No confirmation of any kind was sent to either of us. Once our January bank statement came in we realized my EFT was discontinued, my husband's was not. We called CIGNA and were told that they would send us forms. If we provided proof of coverage, we could get a refund. It took over two weeks to get the forms, and by that time they drafted another EFT payment. Ultimately, they stopped taking payments in March, but refused to refund January and February. Their reasoning: They are only required by law to refund payments if you change to a Medicare Advantage program, because that replaces regular medicare.

I have had many occasions where emails went unanswered, despite many re-sends. These were to do with a potential operation that Cigna require pre advice of, to designate a preferred hospital. Premium increases were in the order of 15% per annum, high for the industry and I elected to change providers, finding another company with almost identical coverage and my choice of medical provider. Canceling my policy has resulted in a denial of a refund of premium. The 'accounts' section claim it is because of a claim during my coverage period.

It’s been more than 4 weeks since I submitted the claim, and whenever I contact customer care team, I was advised to wait for 10 business days. Also they rejected the first claim even though it was within the policy date, after talking to a customer care agent they accepted that it's their fault and now re-processing that claim. Worst health insurance company.

Like so many other reviews, I was not given the information that the pharmacy part would be a $200/copy per year for brand name drugs. Never had that before. I have to have ** (no generic available). Usually $35 with Aetna, NOW $135 for the first dose until next year with Cigna. I am a retired school teacher forced to take the insurance offered by my school district bec Obama care is over $800 for me. The school just changed to this insurance at an out of pocket expense of $494/month. They are very inconsiderate when I call, telling me I should've known this already. I didn't and also didn't have a choice. I cannot afford the extra $ on my scrawny retirement pay check.

Cigna is a complete scam. They pick and choose claims on same day of service and stick you with all the bills. It's highly illegal what they are doing. Be warned if you go to an in-network hospital through the ER. They can claim DR's in in-network hospital are not in-network. I want to start class action.

I was completely misinformed when I chose Cigna Local Plus insurance company. My only instructions were to check that my doctors and medications would be covered. I did that. My doctors were covered, but none of the hospitals associated with those doctors were. I underwent surgery and now have about $6000 worth of bills that are out of network. The doctors office, as well as the hospital, all checked my insurance and assumed the procedure was covered, as it always is with other plans. However, no one knew they only cover certain facilities.

I have been denied testing, and medication both from CIGNA. I am currently post-op on two tests that they denied me for and once I got the test approved, it showed that I needed surgical intervention. I am currently waiting medication that I need for pain, and they have rejected that as well. This is absolutely the worst company I have ever dealt with in my life.

After paying full annual Deductible as well as all Co-Pays, got hit with a bill for Anesthesia in recent operation, since Anesthesiologist was deemed "out of network". I suppose it's my fault for not checking individually with every single medical tech, nurse, doctor or health care professional involved in any way in or out of the hospital, whether during pre-op, post-op, follow up therapy or during the operation as to whether they were "in network." Also note that by deeming the anesthesia out of network, the $2k uncovered bill doesn't count toward annual out-of-pocket maximum cap. Be warned--if you don't check network status with every single health care provider who provides any kind of service to you, Cigna will deny coverage. Seriously doubt any Hospital would agree to use an unknown "in network" anesthesiologist they've never heard of, regardless. Very clever Cigna!

On 1/26/17 I had a stress echocardiogram. I called Cigna and spoke to "Brenda" who said that this test would be covered. I also received a letter from Cigna stating that my cardiologist requested that they review and approve the service. The letter stated "after reviewing your medical information, we approved this request." Now I am being billed & 1,763.0l for the test. I called Cigna and was told that it was not covered due to the facility where it was conducted. Why was that never explained or even mentioned when I initially called to see if it was covered or in the response letter generated after the doctor inquired. I was told that I could appeal it and given an address to write to. I have never heard anything back regarding the appeal. Terrible customer service; terrible insurance company.

My employer switched from Aetna to Cigna in March 2017. Since then, this company has given me nothing but headaches, and I am relatively healthy. They treat me like a criminal. I take a medication for ADHD and for depression and I go to counseling for those two issues. That's it. I take ** and generic **. Every single month, when I fill my medications, Cigna denies it, I have to appeal, and I end up going weeks without my medications until they finally get around to approving it. For people who have taken psychotropic medications, you know what it's like to not be able to take your medications for a couple weeks out of every month. It messes with my brain chemistry and sends me into a tailspin of depression and ADHD symptoms until I can get my medications again.

I am unfortunately a customer of Cigna HealthSpring. Customer ID **. I should have known from 2016, the same problems I had then would carry over to 2017, they DID. I signed up with Cigna HealthSpring mainly for their Ride to the Doctor service. Suffice to say 2016, I was forgotten, lost in paperwork, but mainly denied services agreed upon. DO note that 2017 has NOT been any different. Note also that Cigna does provide this service (stated in its Cigna's Customer's Handbook, Ride to Doctors service), but I have been denied this very service, being able to receive annuals, screenings, well being appts, lab services, dental appointments etc.

I have noticed, in the past few years, that CIGNA has started to take a very long time to process the large claims. In this way, I have been well over the required $3000 out-of-pocket before Cigna acknowledges it and starts paying for claims. For example, this year, I still have a claim for $1754.15 that is still "in processing." The claim date was January 23, 2017. Today is June 15, 2017. If Cigna would have processed that claim, I would have met my deductible by the end of January. Since then, our family has paid an additional $2939.06 and Cigna has still not started contributing.

Although most of their reps try to be helpful and are very nice, they are not trained and their systems are a joke. The information is never updated on the site properly and they can't seem to resolve even the easiest issues. I have an HRA with them and the balance isn't matching the claims so I called. I've been on the phone with them for 45 minutes already and they still can't figure it out. Should be a simple thing for them to figure out since the claims are all listed, but they can't seem to do it. I dread calling them, knowing I'm going to be on the phone for an hour every time.

My account cancellation was effective May 5th. Cigna has sent multiple bills for the entire month for May. I have called 4 times to prorate the bill and was prepared each time to pay for the 5 days I was covered. Each time, they told me that I had to pay for the whole month, though I did not have coverage, and that they will refund me for the prorated amount asap. Now, I think we can all agree, this is not fair to the consumer. You are asking for someone to pay for services they DID NOT receive and to be confident that Cigna will refund your money. This is a loan in every sense of the word. Cigna is asking me to loan them money that they "will refund".

I went to a Cigna clinic. They referred me to another doctor. They did not tell me the referral was "out of network". Then when I appealed because it was Cigna who sent me to the out of network provider, they denied my claim. They completely ignored my written appeal and simply said that it was denied because I went out of network.

This is the worst company I ever dealt with. I canceled my insurance by calling their phone number. But these guys kept on charging my checking account. I called customer service to get refund. They said, "Send us written request." I sent it. Waited for month or so. Then again I call. They said they did not get it. Again I call. They said they don't have record I ever canceled. Finally I demanded that my call be played and reviewed. They reviewed and confirmed I called to cancel but still refused to issue refund. Finally I file a complaint with Texas Insurance and someone named Leslie ** contacts me months after that by email and tells me that they will issue the refund.

Updated on 01/10/2019: First of all I am dealing with Cigna because this is the company my former employer uses... Otherwise I’d NEVER purposefully choose this company. I have battled health issues for over two years now and trust me this company has never made anything easy. Just to be approved for STD was a nightmare. When my PCP would not let me return to work I had to apply for LTD. After several months with NO MONEY coming in, being told repeatedly “we don’t have the correct documents”, “we haven’t received the documents from your Dr” and “your case is still under review” I got fed up and contacted an attorney. AMAZINGLY the very next day I’ve been approved for long term disability.

They do not discount anything, a waste of time and money. I pay them monthly for nothing! My daughter has been seeing a therapist, they denied the coverage, which doesn't discount the visits anyway. Never again will I be with Cigna.

My company just changed health care coverage to Cigna. Boy it stinks! I had Horizon Blue Cross Blue Shield last year. I have 5 RX scripts that are ALL generic. Last year the total 5 scripts (for a 3 months coverage) was $42... This year with Cigna $168!!! WT_F... I can't believe it. I asked the pharmacist if I was getting non-generic and she said... Nope! They are all generic. I was shocked. She said... Yeaaa she couldn't understand the higher cost. That is a 300% increase!! and I'm paying 40% more for my coverage (think the company is keeping the increase). OK... I will pay the 40% increase, but the 300% more for RX cost on top of that is ridiculous! Cigna sucks!

I was not aware insurance carriers had complete and final decision-making power for determining what treatment options are appropriate for specific health conditions. I was naive in thinking that was the role of my doctor(s). Cigna Healthcare has denied coverage for me to receive a surgery that has been recommended by several different doctors and specialists. I am left with no other options but to continue to suffer through excruciating pain from a problem that has left me unable to work, sleep, or enjoy the simplest aspects of everyday life. Why do I pay $1,200 per month for healthcare that is denied to me by the insurer?

Cigna's disaster of a website ultimately gave me a number to call for sales for dental plans for small business - 818-500-6262; you're prompted to press "8" for sales. What you get is voice mail. (It should say "Sorry, we're too cheap to hire a receptionist so you can speak to a human, but you can leave a message that we'll ignore.") Two days later, no response, so I call again - same voice message.

Cigna Health Insurance has to go -- they are a disgrace to the State of Delaware. Their customer staff is rude, offers no additional information and is very "matter-of-fact." Additionally, you can call many times and get many different answers -- especially at open enrollment time. Many doctor who were once "in network" are now out of network because of the lack of patient concern and quality of medical care. As such, we as consumers are forced to select doctors out of network which puts more money in Cigna's pocketbook.

Unfortunately this is the insurance works provide so there is no choice as to whom I can have as a insurance provider. I can, however, write a bad review on the WORST insurance and keep others from choosing this insurance. I have a $3000 deductible/out of pocket each year. Each year I get enough FSA money to cover this amount so that I don't have to take out lump sum amounts to pay pharmacy or medical providers. My coverage through work, allows pharmacy, dental and medical claims to go towards our deductible and out of pocket. Well Cigna in error processes my pharmacy claims incorrectly, therefore, showing that I've exhausted all my FSA and still having a remaining balance of $254 that I'm responsible for.

My family and I joined CIGNA earlier this year. My previous primary care doctor at Vanderbilt wouldn't take CIGNA so he dropped me. I have now called 3 primary care physicians in Nashville and NONE of them accepts new patients on CIGNA Connect! I'm now shopping for a new insurance company. BYE-BYE CIGNA.

I would have given Cigna less than 1 star but this site would not allow me to go lower. Cigna dropped my doctor without telling us while my wife was pregnant. So we owed 7 months of doctors visits that were not covered. After my son was born, the Colorado market place shows him as insured but Cigna refuses to cover him. We have spent $3600 no top of co pays and monthly insurance payments. My son is currently 2 months past due on his shots because Cigna refuses to pay medical bills or send us new ID cards. I strongly encourage everyone to stay clear of Cigna. I would have spent less money this year if I would have had no insurance at all. There is no point in calling Cigna. We spent 4 hours on the phone and they have no intentions of trying to help at all.

Last November I was advised by my doctor to go out on Short term Disability and seek psychiatric attention for severe depressive disorder and anxiety. It took me almost a month to get a Short Term Disability payout. I have since spent a week in a behavioral health center, as well as intensive outpatient therapy. However, Cigna keeps requesting more documentation, and even after submitting paperwork from my PCP and psychiatric PA, all I ever get is "under review". My power is about to be shut off, and in 2 more weeks I will be homeless. I finally reached my representative (after 5 months) who advised me a nurse had been trying to call me. However, my smartphone does not have a record of this. Hopefully I can get a check sent out in time to keep my rent and power current. I am getting ready to retire, will definitely not choose Cigna as my provider.

I am currently on hold. Apparently they can not find me but yet they are taking money out of my bank account every month. I am on CRS/Supervisor #8 and 2 hours of my time!!! Either you get people that do not understand English and (last time I checked I live in the U.S.A. and a Veteran too). All I want to do is get my address correct and get a friggin ID card! You would think I was asking for their lives. I am ready to just cancel to insurance and take my business somewhere else. My dog could do a better job I believe. I would NOT recommend these people to anyone. You could die waiting to get answers. This is a whole new meaning of idiots on parade. Well Cigna off to do a complaint to the BBB and cancel my policy.

I'm having to get chemo treatments which causes ulcers in my mouth. Prescription is for magic mouthwash. Cigna covered it the 1st time, but would not this time because 1 of the ingredients is over the counter. There is a big difference in cost, and with me not working, I guess I will have to suffer with the pain.

I was having difficulty walking due to swelling and pain in my ankle. I went to the After Hours Clinic of my Orthopedic doctor. I have been a patient at this office for several years. They did the surgery on my ankle two years ago. I was turned away because they needed a referral from Cigna. I never needed a referral with Blue Cross to see my own in network doctor. Being after hours, I went to the Urgent Care Clinic I have always used for a referral. There was a large sign on the door refusing Cigna Connect.

CIGNA Local Plus is a complete fraud - STAY AWAY. I never ever write negative reviews, but this is by far the worst experience I have ever had with a company in my entire life and I have Comcast. Ha! They list many doctors as "in network" on their site. I get that one or two here and there are not up to date, but as of now, I cannot find one doctor on their list that takes Local Plus. I even have a call to Cigna who later called back and said she had the same issue finding a doctor for me and is now "escalating the issue." SERIOUSLY! I basically don't have insurance. I'm pretty much paying for Nada. They said that they have no way of knowing if someone is deciding to not take their plan any more. Well common sense says that you should probably follow-up with them and oh, I don't know... follow-up on the contracts? They do send the contracts, don't they? It's just a load of you know what. Worst insurance every. I can't imagine ever in my life choosing Cigna again.

In the first occasion my former employer changed from Blue Cross/Blue Shield who I had virtually zero problems with over almost ten years to Cigna. It was soon apparent that it was to save money as Cigna immediately began to refuse coverage for expensive prescriptions and then refused to approve an MRI for my wife who was in excruciating pain. Only a complaint to the Florida Insurance Commissioner, numerous calls from her doctor and a letter of complaint to Cigna corporate HQ and several newspapers finally temporarily resolved the issues. During this incident Cigna employees lied about our doctor telling about my wife's past history of back problems and then one of their neurosurgeons said, "I don't care" when her doctor said she was in pain and medication and muscle relaxers were not helping. Now the neurosurgeon she was sent to determined her main problem was likely her hip, not her back and requested an MRI of her hip.

My wife is facing every woman's dread; breast cancer with surgery and chemotherapy, along with the ignominy of hair loss. Yet even under these conditions, she has been cognizant of the need to keep her treatment costs down. To do so, she has been contact numerous times with a dedicated specialist from Cigna to answer any medical claims questions.

This company is horrible to deal with! All my life I was Blue Cross and Blue Shield of North Dakota, with little problems, then the rapidly rising cost when Obamacare messed the health care system up with all the free ride healthcare they issued out, which we taxpayers have to cover the cost on. Then I hit the senior age, and went to a Insurance Agent for advice. Part D was a more difficult choice. I have asthma/COPD, and am allergic to many of the drugs for that condition. After 30+ years of trial and error, it is now known that I do best on corticosteroids, and have learned the hard way that LABA medication can be detrimental to my health, and even has put me in an ambulance.

I purchased the LTD insurance my employer provided. I became disabled after a stroke affected my vestibular system. I use a walker and I am considered high risk for falls. With the balance issues, I am on blood thinners, a 325 mg ** daily. A year ago I was diagnosed with osteoporosis in my neck, lower spine, and hip. MY disability came up for the 2 year mark, it’s only been by the grace of God I haven't had another stroke. My neurologist cannot understand where they came up with this decision. He recommends I hire a lawyer.

Cigna Insurance is a really good company. This is my first health insurance company off of my parents healthcare, and I got low premiums, low deductible, and really good healthcare. I had a surgery to remove my gallbladder and the cost was 13,000. Cigna got it down to 6,000 and then paid the whole bill.

I don't know where to start. It takes five phone calls before a rep can get the right information. I hate these guys. They're all polite and capable so all I can put it down to is lack of training. Absolutely distressing that I have to spend hours and hours on the phone to them. Never happened with Blue Shield. Sending incorrect letters and each rep apologizing for the last one.

Since Aetna was no longer available in Missouri as part of ACA, I have to switch over to Cigna Connect. Before I took this insurance, I did check for the list of doctors/hospitals and all my family doctors were showing up on Cigna Connect site as in-network. Last month when I visited my dermatologist, she refused to take this insurance because of the previous issues with claims. Then 2 weeks back I visited orthopedics to treat my foot injury and even they declined to take this insurance. Today when I took my kid to pediatrics, they too declined saying they had previous issues with this insurance. I did call Cigna Connect and explained that doctors are declining their insurance. I was surprised that there is nothing the insurance provider can do about it. Now I don't have an option to change my insurance because of ACA and I am paying $580.00/month as premium. Can anyone help me what I need to do now?

Cigna. Worst insurance ever. Do not recommend, they did not cover me on my dental treatment that was needed. They said supposedly I did not need it. Dentist even send proof that it was a treatment that I needed because I was bleeding and losing bone. Not recommended??? #CignaNoGood. I have a friend that has 5 Million followers on YouTube. I will make sure that he lets everyone know how bad Cigna is!!! Worst... over $500 they make a big deal.

Cigna coverage was denied and was charged $119 for Rx. Called Walgreen's and the exact same thing without insurance was $48. Yikes--highway robbery and the mail order guys are suppose to be less expensive.

Cigna is very lax in informing patients of the amount of a med supply to be ordered. It has been an option to obtain a 90 day supply and not have to re-order constantly!! Out of the blue, after much grief with doctor also helping, the brand was authorized at a very expensive tier pricing. To that end, I have to run the risk and try a generic again and possibly end up in ER as in past. I find this to be ridiculous if a patient has been doing well on a med that these insurance companies are allowed to force a patient, due to cost to try a generic.

I am a health care provider. I used to be in network with Cigna but resigned from the panel due to their disgraceful business practices. For example, I once had to submit a claim for a patient ELEVEN times because they kept denying that they received the claim. When they finally acknowledged receiving it, they denied payment due to "untimely filing of the claim". I never got paid. I am writing this review to warn providers and potential customers that Cigna will cause you to tear your hair out in frustration if you deal with them.

After suffering with lower back and left leg pain for over 5 years - it has progressively gotten worse over the past two (2) years. I finally went to my GP 3 weeks ago. He x-rayed my back and hips and found that I have stenosis in my lower lumbar. He referred me to a specialist whom I saw. The specialist ordered an MRI so he could determine the proper course of treatment. Now Cigna is saying that I have not had enough treatment to justify the MRI. I ask - How stupid is this? Would it not seem logical to know all you can to be able to recommend a proper course of treatment. Additionally to recommend treatment that will not hurt the patient and increase the pain.

Jan. 15, 2016 right wrist operation. Been unable to use right wrist since Apr. 12, 2016 due to trigger finger per physical therapy. Refer back to surgeon. After numerous shots was refer to Reston spine and pain ctr for help. The DO Reston pain requested MRI and CT scan. Cigna ins. co. denied the request saying not medical necessary. With this being said if anybody knows health: your neck bone is connected to backbone and backbone connect to spine bone. When your right wrist and fingers are numb and you have no usage of your right wrist. How can an insurance co deny you medical care to help locate the problems in right arm. They use bogus doctors. There is no doctor Gregory **, MD is signed the deny letters. Nobody there will approve my process so I can be helped. Instead I have to pay out of pocket and have needles stuck in my neck every two weeks. This is very painfully and does not help relieve the pain and or solve the problems.

Phone Call too vague and demanding. I've just had a phone call - totally automated - from Cigna. The problem came when the voice asked for my birthday. I said "No, Agent, Representative" over and over... until "she" hung up. There's no way I am giving my phone number (that they just dialed), confirming my name and availability. I guess the problem wasn't very important, because I've had no mail or email or any other contact.

About 4 months ago an agent called and offered a buy out of my long term disability claim. I had 18 months left on it. She basically threatened me to take the buyout or my case would come up for review. Well it looks like they're going to call all my doctors and if they don't like their answers then I will have to submit to an examination from their doctors. They are submitting my claim to some type of employment board to find me work. I wished them good luck in finding me a job where I can take frequent naps, not sit for more than 30 minutes, can't bend over without passing out, and can't walk for more than 15 minutes without having to sit. I know they'll find some ridiculous job and when I turn it down they will bounce me from the program. This is a low class outfit that I had to use due to my company. Beware.

I cancelled my Cigna plan through the marketplace on 12/17/2016 due to getting insurance through my employer. For some reason Cigna decided to enroll me in another plan. When I received a bill for said plan that I had no idea I was enrolled in I called to cancel. I was told they couldn't cancel it because I was enrolled through the marketplace. The marketplace said they did not enroll me in that plan but they would send a second cancellation ticket to Cigna.