Cigna Health Insurance Reviews

First of all, they will tell you that making claims is very simple. It's not. You'll have to go through a call-center in Scotland (impossible to understand how they speak), then they have to pre-approve the procedures, and then MAYBE they'll refund your expenses. They did refund me after a long, arduous battle. Most importantly, their "pro-rata refund" is a huge scam. They'll tell you that, in the case you need to cancel the coverage, they'll refund you for any days left of your policy. What they don't tell you is that it only works if you haven't had ANY claims. I literally had a 60 USD claim, and had to pay 550 USD for a whole quarter that I didn't even need. BE CAREFUL AND STAY AWAY! Definitely wouldn't recommend, and I've had 2 other health insurances before.

I must say it's a nightmare dealing with Cigna. Long story short. My wife and I decided not renew our healthcare insurance coverage with Cigna for 2017. We followed proper procedure in December of 2016 and canceled the most horrible insurance coverage we had. Shortly after we received a letter of cancellation. In the meantime we signed up with Anthem. Not long, I would say 2 to 3 weeks later we received a letter from Cigna reinstating our insurance policy. We immediately called to explain the mistake and confusion of the matter. We were assured by the representative the issue will be resolved and nothing to worry about. She acknowledged some kind of mistake was made by Cigna.

I have now made 19 phone calls and 5 emails to CIGNA since January 1st to get them to straighten out THEIR mistake. They selected the incorrect coverage for me beginning 1.1.17 and 19 phone calls later it is still a mess. I have paid premiums each month and they still cannot get it straight. Each representative and or supervisor assures me THEY are the one that will get it right and it takes 2-3 days. Never happens. Now they have screwed up again and dropped my son from my coverage! DON'T EVER go with CIGNA.

My insurance with Cigna is through my union so I have zero control over it other than a complaint every now and then. So my issues are numerous however the most erroneous one is the yearly attempt to drop my son. Now I realize it's necessary to check on the insured but my son is my son. He's been my son for 13 years. This year he's been removed from the insurance until I send a divorce decree stating the insurance is my responsibility. Now I've sent this previously and am yearly bombarded with nonsense from these people. Constant ** really. Another complaint. I get a list of doctors to call for an appointment and they will not see me. Why well I wonder if it's the insurance. Anyway just be careful if you chose these people. I feel as if they're underhanded in their approach to my needs.

My employer unfortunately offers an HMO plan through CIGNA. I was diagnosed with cancer in late December, 2016 and began treatment in my former home of Las Vegas, Nevada. In February of 2017 I was transferred to Tampa, Florida. I attempted to resume treatment with a physician here but was told by CIGNA that I have to obtain a referral from a PCP before resuming treatment for cancer, despite the fact the diagnosis was already made and I was already receiving treatment for it in Las Vegas. I repeatedly asked the CIGNA representative to explain why I needed another PCP referral; after all, the only thing that changed was my location. Cancer is still cancer, whether you live in Las Vegas or Tampa.

My company decided to go from a PPO plan to a deductible plan. My deductible is 3,000 for the year. The medication that I have been taking is now 284.00 per month UNTIL I meet my deductible. I can't afford that!!!

Imagine an insurance company that cancels your payment - just happened to me! I called them and they said sometimes they cancel a policyholder's payment but they don't know why. REALLY??? Are you ** kidding me? They should be called CIGNA Incompetence not insurance. I thought it was so special when I insisted on speaking with a manager and the lady on the other end of the line said (and I quote) "My manager doesn't go on the phone ever" - Amazing - run far away from this insurance provider. They're worse than having no insurance at all. Oh and if I could have reviewed without giving them ANY stars I would have.

I thought I would try Cigna Dental to save money. Before seeing the dentist, the dentist contacted Cigna to check my coverage. Cigna sent them the list of covered dental expenses (my name and dental policy number were shown at the top of the page that they sent showing my benefits). It clearly stated that a full set of x-rays was covered. When the dentist submitted the claim, however, Cigna denied it saying that it was not covered. I contacted them and went through the appeal procedure, but they still denied it saying that it was not provided in my plan... Even though it was clearly stated (and highlighted) on the page that they sent! Cigna clearly does not honor their commitments or remedy their mistakes. They lack integrity and cannot be trusted. I strongly recommend that you stay away from such a sleazy company.

Cigna Insurance: Scam company that not pay for wellness services. I have been talking to multiple supervisors and managers from CIGNA for claims on patients that need to be seen and follow up by providers, yet I have no clear feedback or answer from any of these parties. They have been telling me that I'm a provider without affiliation for CIGNA, and then I have to arrange payment throughout MultiPlan Company. I did all required steps throughout Patient Account Manager (Phone **), confirmation code ** as of 01/04/2017. The payment was scheduled to be reimburse within 10 days. I have called multiple times today and I was informed that they do not know claim was denied, and it's patient responsibility to pay a copayment and services rendered at my office.

Cigna's website does not allow consumers to view their claims until the claims are fully processed. This means no visibility of claims received and in-process. This is a great handicap and Cigna alone among the big insurers has this policy. Additionally, there is no place to provide this feedback and employees will only state "the claim is in process" and "wait until it is processed." They require proof of an account before answering this generic question: "You do not show received, pending, in-process claims; only paid or denied?" This is not a HIPAA-protected question and Cigna's entire process is designed to hide information from the public and even from account holders.

I have a 5 year old son diagnosed with Autism. For the last 2 years (2015 & 2016) Cigna has paid for his very beneficial ABA therapy as per the plan my son is on. I contacted Cigna multiple times in November and December of 2016 to confirm my son will continue to have benefits on his 2017 plan. On December 31st, 2016, I received a letter from Cigna that they were NOT going to cover his greatly needed and useful therapy as a benefit for 2017. That is their decision and not my complaint. The fact that they waited until 12/31/16 (letter dated 12/27/16) to notify me of this change of policy benefits. If they had notified me of this prior to 12/15/16, I could have found other coverage with another carrier that would have been able to cover my son (By putting my family in a "group" policy).

The problem started for me New year's day. 2 of my pain medications were due. I went to get them filled. They was denied so I called Cigna health spring. I got told anything where the quality amount changed to where they all had to be pre authorizes. To since the quality had changed it would be a 40 day supply instead of a 30 day supply. Even though I followed Dr orders to the tee. When filled in Dec it was a 30 day supply. I was without my medication for six days! After they all was pre authorized. I problem is I had to go six days without my main pain control. Which left me bedridden and very sick, I was in so much pain! If not for my Dr office calling me back letting me know they was finally approved Friday I wouldn't had knew to get them filled.

Call Ref# **. Spoke to Sarah. The customer service rep kept putting me on hold for several times during the call. Sometimes she wouldn't ask me if it was ok to place me on HOLD she would just put me on HOLD. She would take 15 or 10 at times when placed on hold. She always had to put me on hold for every question I asked. PLEASE SEND SARAH for EXTENSIVE TRAINING!!!

After filing a claim with no notification of receiving the claim for over a month, I had to call and be told that the claim was denied without explanation. The due date for my bill was coming up, so I asked if I could receive the letter sooner or be emailed it to see if I qualify for a second appeal or for my bill provider to be contacted, and I was told this was not an option. Now I have to contact the bill provider on my own and wonder when the explanation for the denial will arrive. Very disappointing service and very poor coverage.

In 2015 my back pain was getting worse by the day. My doctor (Kevin) prescribed an MRI. I was diagnosed with spinal stenosis discus surgery. That was in November 2015. In between November 2015 and next appt March of 2016 my doctor sold his practice to study stem cell research. Moving forward Cigna nightmare begins. I had a company mandatory biometric screening that was covered by Cigna at 100%. I am billed by the lab company $8,000, plus every 2 months. Would you believe since March 2016 and December 2016 they wrote just last week they are "reviewing the claim." Passing over a ton of complaints I could write a book.

I've been on disability since 2011. The company that I work for required me to apply for Social Security Disability Insurance and pays for a 3rd party company to file for SSDI. If you did not agree to apply then your LTD will be terminated. After receiving SSDI, I continued to pay for my medical coverage, as I provided the health insurance for my family (son and husband). Subsequently, I received a notice from Social Security to pay for Medicare for an additional premium of $211. I was already paying $300 for medical premiums to CIGNA. I declined to pay for Medicare, as I already had coverage thru CIGNA for my family. So, I declined or opted-out of Medicare at the age of 51.

Through ConsumerAffair's intervention and the professional, competent efforts of the Cigna staff, my case has been swiftly resolved. I will be receiving my check in a few days. I would like to thank both ConsumerAffairs and Cigna for the great job they did.

I have several problems with Cigna. First, as the Health Insurance company picked by spouse's employer, they indiscriminately mail ALL claims, including the specific details of the claims directly to my spouse instead of to me. All they need to do is put my first name instead of my spouse's on the envelope, but they do not UNLESS and ONLY unless I go through the process of restricting my medical information, which entails me having to set up a pin with them and then use it over the phone every time I communicate with them, even to simply request a provider directory. Come on, Cigna - ALL health information is protected under HIPAA laws, including spouses, unless a release is signed by the individual covered. And receiving medical coverage as a dependent under a spouse's employer group plan is not in any way a release of information.

Submitted a claim for orthodontic services weeks ago. Kept calling in to follow up on payment to the doctor. Kept being told by the cheerful Cigna people that they had no record of the claim and that it took 10 days from receipt for it to be processed. Kept telling them that it had been weeks and asking how could I follow up. Constantly instructed to look on "myCigna.com", which is of no use whatsoever.

I am a Doctor trying to contact a "Representative" at Customer Service. The only contact made with Cigna Health Insurance was a computer loop requiring patient ID and birth date. Worst Customer Service I have ever experienced. I would have entered zero stars if that was an option.

They are the worst medical insurance company I have used in my life. They do not like to pay bills in a timely manner. Also the health care line is an absolute waste of time. Every time you call they say "here is what you can do at home but you need to see a doctor." I am disgusted with how much I have to pay and what little they actually cover and assist with... Horrible insurance. Find someone else.

So I went to some physical therapy in July, presented my Cigna card which says "$40 co-pay." The physical therapy place took a copy of it and placed it on file. I got to 8 sessions, all good. Pay my $40 each time. I get better. On my follow-up visit at the end of August, I am told my co-pay is now $50 as of August 1st. I think it's weird but I say, "Ok." A few days later I get a new card that does say "$50." No big deal.

Helping a friend apply for Cigna Connect 6250 Health Insurance policy at Market Place. They connected to Cigna site when I requested a list of hospitals in the network. The site requested selection of insurance type from a list provided. Cigna Connect 6250 was not on the list. So I called Cigna directly to get the list to ask for a list. I "made the mistake" of saying I was helping a friend. The operator said that she could not answer unless I had authorization from the person I was helping. Even my lay understanding would tell me that giving a list of hospitals in a network to whoever asks is in no way in violation of HIPAA privacy rules. If telling potential customers about Cigna benefits or keeping secret public information that Cigna would seemingly want to share with potential customers or their friends is not within Cigna protocols, then Cigna is quite adept at cutting their own throat.

Ever since my husband's suicide, my son has been seeing psychiatrists. After trying several different medications, they have found one that is seemingly working well with the desired effects. The medication is **, which has no generic. His company has Cigna as their provider. Cigna denies coverage of this medication, so he has to pay $300/month to get this RX filled. He has a family to provide for, so this now is becoming another stressful loop for him to jump through every month. Obviously, he has tried everything -- Doctor's appeal, nurses' appeals, talking to the company rep (whoever that all powerful person may be and whatever their qualifications, who have a lack of understanding and compassion). Do we need to have congressional hearing on this med as we did in the infamous EPen?? What can I do for him as his mother??

My husband and son have a policy with Cigna. This year he is trying to add me to his plan since mine is not gonna be offered in my area in 2017. I have sent my application 3 times by fax, one by regular mail and they say they don't receive it. Every time I call the agents say "bear with me" and then hang up. I'm frustrated. It is December 8th and started this process on Nov 10. Almost a month. They don't know what they're doing and I feel like they don't care about getting another customer. It is not marketplace contract, it's commercial so they are willing to lose the $350 extra a month they are getting for me and they don't care. Horrible and if this is just the beginning I'm not getting this plan. Maybe my husband and son should get another plan as well.

The absolute WORST experience I have EVER had with health insurance. I have it a year and was hoping the second year may be better, but I was sadly disappointed. They send me a request for EVERY transaction on my card, even when the payee is clearly stated Dr. Whomever's office...then send it again the next time the same provider is used. Almost every single health care claim for one of my dependents is followed by a letter for more information to the Dr. (Also same Dr on multiple occasions) as well as myself to fill out the SAME FORM regarding their other Insurance.

I have a prescription filled at my local pharmacy, attempted to refill it and was denied, was told it had to be filled by Cigna Home Delivery... Called them and the first customer rep told me I didn't have any refills. Well I'm looking at the bottle and it says I have two. I learned I was talking to someone in Jamaica and asked to be transferred to the U.S. The next person told me I was talking to someone in the Caribbean, so I asked to be transferred to someone in the U.S. Got transferred again, this time to someone in the Caribbean, asked to speak to a supervisor or someone in the U.S. He refused without me explaining the situation... Honestly, if they had been able to handle it and had not been transferring me around the room I would have talked to him... So he transferred me - back to the first person I spoke with.

It's so surprising to me to see all of these negative reviews. My mother was covered by Cigna through her employer. She'd been on her job for 38 years, when she was diagnosed with stage 4 of a very rare form of cancer. From the 1st day of her diagnosis, Cigna was there for us. We were assigned a Case Manager and a nurse, and they were always available when we called. We had no problem getting her STD and LTD started. There were times when my mother was so sick until I didn't know whether I was going to be able to maintain my own sanity. The Case Managers and nurses even counseled and encouraged me when I wanted to just give up. Now, I definitely had to stay on top of things and do my part. There was paperwork that I had to get the doctors to fill out on a monthly basis. But as long as I did my part, they did theirs.

Cigna recently gave me a five month run around and denial for an expensive cholesterol drug - **. After multiple denials by Cigna, I asked for a third party review. This was initiated and the third party contacted me for information. I sent three cardiologist letters indicating the need for this drug. Prior to completion of the review, Cigna reversed their denials and gave approval for THREE months. So after five months of not paying, they approve me for three months, requiring a future approval from them to continue. The drug runs about $14,000 a year. I am a PHYSICIAN and a patient with a cardiac stent and elevated cholesterol. I have been on multiple drug treatment as well as diet and exercise without acceptable lowering of my lipids.

I have had problems with Cigna since first started. This year it has been a nightmare. I started in January and I paid every month. I was late but I was always paid. I sent in a payment for August and I went to the dr. They covered all my benefits. In September I went to the pharmacy to get my meds for the month and I found out without any letters or any notice that my policy was cancelled. I found out while I was in the pharmacy. I got a call from the drs office that Cigna will not pay for my drs visit in August even though my insurance was accepted and the dr did call and everything in August was fine.

My problem with Cigna is the run around I Get. I do not ask for much and do not complain all of the time. BUT, I have severe eye problems. Blind in one eye from detached Retina with constant flashing and glaucoma in the other eye. I have a report with my two eye Drs. Dr Raymond ** (in the book) saw him in April follow up Monday 14th of Nov. and Shepard **---- now ''this the problem" Mary ** I have reported her before!!! Rude not understanding--- will not send referral to Dr **'s office. I have wrote before and someone overrides her. HELP Please!!!

I received my 3rd letter in 90 days to call in and confirm my co-insurance for my family, etc. I am a single person and have had this insurance for 12 years. No changes. I also have Blue Cross as I am retired from another employer. I called in today and asked why am I getting these same letters when this has been taken care of. In fact, my primary doctor had a note on the account I needed to call in, which I did, last month.

This company is fraudulent in changing a doctor Rx and cannot even locate a member with an ID number. They are a scam wanting a full payment for a 7 day supply even when a 30 day supply was written. The company overrode the DOCTORS to SCAM. I can't believe my employer would choose to have this company after nothing but horrible reviews. Disgusting.

I have Cigna Insurance only because it is the company my employer chose. I recently have been diagnosed with metastatic thyroid cancer. The proper treatment plan cannot be determined until my oncologist knows where in my body the cancer may have spread. This requires a MRI of my head and a PET Scan. Cigna has denied approval of both. One would think that someone would realize that choosing the wrong treatment is only going to prolong the process and cost more in the long run. Or perhaps the thought process is just let me lose the battle with cancer and then the company won't ever have to pay any benefits to me again! Let me know when you have a rating of zero or less - one star is too high!

I have had this awful insurance company through my husbands employer for almost 3 years now and it doesn't get better, only worse. I have had two MRI's requests turned down plus multiple tests. I had a spinal fusion done on my L4/5 section of my back in 2013 with Lovelace and I didn't have any problems with this insurance carriers. Unfortunately they are out of business. I even paid for my own MRI last year because of CIGNA's denial. I am in constant pain and now I have a vein issue in my legs and of course they are giving the doctors office the run-around because I have paid all my deductibles and they don't want to have to pay the whole amount.

Our campus is switching insurance to Cigna health insurance. We were given a number for our people to call with our enrollment questions. I called to ask some questions about the insurance, twice. BOTH times I was told erroneously by TWO SEPARATE representatives of Cigna that I would be responsible for paying deductible for services that I learned later at our insurance fair I would not be responsible to pay. So I asked Cigna agent at the fair for a copy of the Summary of Benefits she was referencing on the computer, which clearly states what Cigna would be responsible to pay so I would have information in writing since we haven't even started yet with Cigna and I was already getting shafted. The Cigna rep at our insurance fair wouldn't give me a copy.

When I originally signed up for the silver select plan the representatives which I spoke to were unable to give me information about the network. I was then given a primary care physician over the phone and signed up for a premium of 359$ a month. About a month later I came down with a sinus infection. The doctor that I was given was no longer in my network. My Ob Gyn that I was told I could keep was no longer in my network. My mammogram imaging center was no longer in my network. My dermatologist for skin cancer screenings was no longer in my network.

I'm sorry to hear so many terrible experiences from others with Cigna and other Insurers. My Cigna coverage involved treatment for small cell lung cancer in 3 states over 2 years. I was working for a company with a national plan. As you can imagine with 3 hospitalizations chemotherapy and radiology it was pretty expensive. My prescription drug coverage was with another company which is relatively new and I withhold comment. I relied almost completely on customer service on a daily basis. If my explanation of benefits indicated not covered I was assured there would be coverage and usually it was. My out of pockets were paid by February. Fortunately that also counted expensive prescription drugs.

Terrible first time using the insurance for my son and he saw a pediatric dental clinic. Today I got a statement telling why the services was denied. They denied because my son is 11 and he is considered an adult so he should see a general dentist. Wow. Just wow. So now I am being bill by the provider for $220. I don't need insurance. I get the same services in Living Social for $69 dollars. This insurance company is a joke.

I have been trying to get a sleep approval (in lab) study since 9/28. I have been given the run around since then. They have told me it has been escalated 3 times and every time I call (10/5, 10/12, 10/14, 10/18) I find out they will escalate it because no decision has been made. I was told it was with the director on 10/14 and would have a decision by 10/17. It's now 10/18 and now I am told they need to do a peer to peer before it gets escalated to the director. What a bunch of bs! This company sucks! If my company wasn't so damn cheap, we'd have better health insurance. Worst. Insurance. Ever!!!

Cigna requires you to do a yearly wellness exam to keep premiums low. So I choice a in network doctor, and done my wellness exam. Cigna denied the claim saying out of network doctor. So I call them. They say the doctor's office used the wrong network code. The doctors office says the paperwork is correct. Meanwhile I have been attempting to try to get cigna to cover this claim for three months. I done what I was supposed to do. I choice a in network doctor off their list, and now they deny me based on an error on paperwork that I have never seen. There's no point in having insurance if they don't pay claims.

Cigna does not honor the terms of their healthcare insurance plan with regard to co-pay obligations. They are also not in agreement with my doctors about what is a preventive activity that would be fully covered by my plan and what is a diagnostic activity that Cigna will only cover a portion of after a $6000 deductible is reached. This company seems willing to do virtually anything not to pay a claim according to their contract obligations. I have constant issues with Cigna over virtually every doctor visit. All of my doctors have confirmed to me that they find this company to be the worst of all insurance companies for them to try to work with and that my bad experiences with Cigna are also happening to other patients they have with Cigna.

I have been a Cigna customer for over 1 yr. My insurance comes out of a very hard earned paycheck from Bethesda Health. On 09/30, I lost my ** inhaler. It was due to be refilled on 09/06. I contacted Cigna and was told, "nothing we can do. Have to pay for it full price, $343.92." CVS offered me the same, as did American Express. Want to thank you all. You care nothing about the welfare of your customer. You should be ashamed. I am.

I was told by a surgeon that is in Cigna's medical network I needed surgery to repair multiple hernias in abdominal area. I want a repair two weeks early for this procedure only to be told by the hospital the night before the operation that Cigna has denied the claim stating that it could be done in outpatient status rather than inpatient status. I called Cigna and found out they use a nurse, not a Dr. to review the cases and I am not sure the nurse is qualified in the same field as the procedure to be done. THIS put my life in direct line of danger and will be a case for a lawyer in the near future. I had the procedure done on a Friday and there were 8 hernias to be repaired. The hospital released me since the all knowing nurse in some field of pediatrics I suspect had said that is what need to be done.

I have spent around 10 hours on the phone with Cigna and another 10 hours preparing information they told me to prepare in order for them to refund my medical claim. They told me different things every time, lose information, and stall constantly. I will never subscribe to CIGNA ever again.

I connected online to a rep to make sure a specialist would be covered under my plan. I was assured that the practice was covered but that it couldn't be billed in the doctor's name. It had to be in the practice name. Lo and behold I receive $600 in fees from the office because they are not covered by the local plan version of my plan. Apparently she didn't look. I am online again to see what Cigna will do to remedy this. I doubt anything though. Oh and of course they keep no log of chats. I never received the emailed copy I requested either.

The Cigna Website for Participants to manage incentives and goals in an effort to reduce the premiums is misleading. It does not update within a timely manner. It takes over 4 days after an EOB has been processed for the points to appear. The goals and verbiage are not clearly defined. You do not get 25 points for your annual physical and your annual screenings, even though they are displayed as separate goals. If your doctor does not include the preventative care CDT code on your screening labs and procedures, you will not get credit. These incentives equal $1200 reduction in your premium!!! So, yes this is a BIG deal.

I called yesterday to find the name of an affiliated pharmacy near Vanderbilt University, Nashville TN which is out of state. Jezett was the operator. I spent 53 min on the phone and never got an answer. She asked me to spell the name of the antibiotic, 3 times and then wanted the dosing (which I didn't know). She asked me to spell Vanderbilt twice. She asked for my date of birth twice. She asked for my daughter's date of birth twice. All of this and she didn't give the name of a single pharmacy. She just kept putting on hold. She told me that I would need to get prior authorization and that would take me 7-10 days.

Cigna is by far the worst insurance company I have ever dealt with! I had to have a fusion in my back 11 years ago. Now have a problem with the disc above it. Every couple of years my back pain flares up and adds numbness/weakness to my right leg making life unbearable. I cannot stand for long, sit for long or do anything productive. I have tried conservative treatments MANY times in past. They always fail. My spinal doc ends up doing a spinal injection of steroids and within 3 days pain is gone and I am back to a normal way of life.

When your primary care doctor and your pulmonary doctor tell you that you need to get a sleep study done ASAP, the insurance company should never deny you that care. I found out the day before my test that insurance would not cover this badly needed diagnostic. Cigna, I hope you go bankrupt and that your management stays unemployed for extended periods of time.

I don't know if I should be relieved that I am not alone in my horrible experiences with Cigna, or more horrified that so many other people are actually paying, like me, to be treated like this. My husband was diagnosed with cancer 6 months ago. Cigna has denied every single CT scan and MRI his Oncologist has ordered. While most of them have eventually been approved, it has added an incredible amount of stress and anxiety to what is already an incredibly stressful time. It has also wasted hours of time for the doctors and nurses who are trying to provide care for my husband and others like him.

Terrible, terrible customer service! I spoke to Lexae and she sounded sleepy on the phone. She put me on hold for 20 minutes and came back with an answer that I already know. I said I was gonna file an appeal on the claim that was short paid and she argued with me that it's past timely filing. When I asked for a call reference number, she hang up the phone!!! This is not the first time I came across with bad customer service rep. They are lazy and rude!!!

Calling Cigna is even more impossible than dealing with their website which is a Maze of options and misinformation when it is available. Most of the time I try to use it, it is not working or sends me to the wrong department. I called Cigna this eve to try to find out where I could buy Durable Medical Equipment that could be shipped to my APO or where I might buy the same supplies here in Germany. Simple, right? Wrong!!!

Has to go down as one of the worst Insurance Provider ever. I work for an Indian MNC on deputation. When you are here for few years, the least you'd expect is to save some money. But that's what even the Insurance Provider wants for itself, and we end up shelling out more than 60% of the share. That's how brutal and insensitive this company is.

The high cost of bad health care can be explained by Cigna. Cigna denies claims and procedures that are necessary. They'll make you get 20+ X-rays, 20 physical therapy visits, see 5 doctors and then maybe agree to your MRI which is what you needed to begin with. In my case, I'm paying a high deductible and they still are denying an MRI that I'm paying for. They gladly pay for procedures and services that are inappropriate. They offer wellness coaching and after they have you answer 20 questions, you find their coaches can't coach you on anything specific or anything a fourth grader doesn't already know.

You pay this very "rich" company their premiums and do it in good faith. When something such as liver cancer pops up, and your doctor feels that a particular service (PET Scan) is needed to be able to make the best decisions as to how to treat the cancer, the wealthy CIGNA bean counters turn you down. They want the doctors to scatter bare chicken bones in a circle to be able to see how to treat the problem.

I have been dealing with lower back issues for over 3 yrs and finally Cigna approved a MRI (big hoops there) to help determine the source of the pain. After the MRI it was apparent what the issue was. Osteophytes, bulging L4-5 disc and badly narrowing facet in the same area pinching that nerve. I have been through physical therapy and home exercises just as they have suggested and have not seen an improvement. I am not looking for surgery or drugs, so it was decided by the doctor that a steroid shot is the next step. Cigna has turned this down twice reason being that I need a home exercise program! Give me a break!! I'm taking tons of ** daily and it has gotten to where it takes a slight edge off for no more than two hrs for a 800mg dosage. I guess they would rather pay for liver damaged from all the **. I am so sick of jumping through Cigna's hoops only to get a rejection after rejection. This company is terrible!!!

My employer paid into Cigna's STD and LTD policies for me for 15 years and it covered under a written contract. In FACT my employer is paying into Cigna's plan on over 30,000 employees every paycheck. Now if you become disabled while working, Cigna is suppose to pay you the appropriate benefits under said contract. Cigna routinely denies LTD claims almost 99.9% of the time, even with the appropriate medical documents you still get denied. They force you to hire an attorney in the hopes that you won't take it that far, that's what they bank on.

I am a single adult in her late 20's. I pay over 50$ a week to Cigna. That is between 200-250$ a month! Then you have HSA, which is supposed to help you pay for health costs. Except for you have to wait months for them to deposit the money you earn into your account. By the time they deposit it, all you can do is pay yourself back with the money because you've already paid the fees. That being said, I went to the doctor for a basic routine check up which is supposed to be 100% covered by insurance. I am going out of the country so the doctor did a breathing test as preventative measures, due to the length of time I will be in the country.

Wow is all I have to say about Cigna, WOW, I said it again. They are completely terrible, they took my money and ran! Paid for my initial insurance cost to sign up, went to use it at the dentist, and it didn't cover what I needed, OK that's fine. I called CIGNA to inquire about upgrading my policy, well the lady went on a rant to purposely confuse me for about 15 minutes (nice practice Cigna) yeah, confuse your clients so they don't ask questions, classy! So anyways she said I would have to wait a YEAR, yes a YEAR in order to upgrade my policy, which I would have to continue to pay and not use! Makes no sense, they are con artists and thieves.

My child was born with a CNM and the total cost to us upfront was $4200 and I had to submit the claim myself. After waiting over 4 months for the decision from Cigna, they decided they would only allow $2600. Despite my insurance costing over $400 a month, it is high deductible at $3000 for in network. That means that I have paid a total of $7400 this year with almost none of it being covered by the insurance company. Pathetic service and a waste of money.

Too bad there is not a zero rating or that is what I would rate this insurance. NO PCPs in my hometown, Johnson City, TN. We are a college town with doctors everywhere. Yet I have to go 37 miles away to Kingsport if I want to see a doctor. I had skin cancer last year. They won't let me see the doctor who performed my surgery. I have to see someone I don't know & who does not know anything about my cancer. Thank goodness I have a new job with excellent insurance that starts after my 90 day probationary period.

Adopted son has series of mental health issues. 10 years of therapy, 3 psychologists, state of California, therapeutic consultant, psychiatrist, education advocates, and school district say he needs Residential Treatment Facility. Cigna says no. REALLY? Denied and appeal denied processed by insurance advocates. Army of people to help here. Wonder why people are getting their heads blown off in various places (nonterrorist acts) - because we can't get mental health coverage/help from insurance some so desperately need.

I have been a diabetic for 16 years. Two years ago Cigna informed me that my insulin was no longer covered by my health plan. It took a health advocate to get them to change their position. They also told me that I could not use the blood meter that I have been using for years because it was not covered. I had to use one that they approved at double my out pocket cost.

They are trying to charge me for a hearing test that is supposed to be 100% covered as shown on the benefits information. Every time I call to ask why they give me different answers or say they are going to call me back and never do. Unfortunate to deal with them. They sent my bill to collection agency after just 3 months even though bill is in dispute.

Recently, our employer decide to change insurance companies. United Healthcare had major issues, and this was the solution that the insurance brokers came up with. Insurance brokers are in it for the sale and commission. It's like selling a car or house. It's the $$$. Currently, I'm waiting for UNUM to issue an HSA Card. My HSA Card has a balance that could be used but, it's dead and I'm waiting for Cigna to get their act together. So, I have money to pay my bills with if I had my new card. I knew that Cigna would be a disaster and they haven't let us down. Next year, I'll bank the premium money, open an HSA type account and pay my own bills.

I was diagnosed with a serious gastrointestinal cancer. My surgery and treatment were covered another insurance with a previous employer. Now that I'm back to work, my oncologist has sent me for follow up CT scans every 6 months. Cigna has deemed follow up scans unnecessary because and has refused to pay for them because there is no sign of my cancer having returned. Can you even imagine??? How can my oncologist determine if my cancer has returned without the scans??? Cigna is a despicable company. AVOID AT ALL COSTS.

I have provided one star only because zero or negative stars were not options. I have been submitting the same claim for reimbursement of self paid out of network services for three months now. The first time it was rejected the stated reason was that the dates of service were not legible even though they are typed on the invoice. I called, held an hour, it was resubmitted. The next rejection was because the providers tax ID form was not provided, even though there is nothing on the claim form to tell you they need that. I got it, called, held an hour, and it was resubmitted again. Next rejection was because they needed the providers license number.

CIGNA blamed me for spouting off at them. I never did. They initiated it. I reacted. Now, as a result, even though I am on the policy I am not allowed to call in and check for medical issues as I have a very serious condition and CIGNA knows it. They have known since 2006. Here it is 2016. They want someone else to call in and change my doctors, set up new medical treatment, etc and leave me out! I am 56 and I can speak for myself. I have thought about taking them to court as a third party to the employer they work for and suing them. Anyone want to join?

I give CIGNA ZERO STARS. Cigna - WE pay $1000 per month for 2 adults and 1 teenager. Daughter having migraines for 2 months straight. Primary Care Provider REFERRED us to neurologist. Neurologist recommended an MRI, $780 out of pocket expense. Brain came back normal!! Get $223 bill from neurologist because CIGNA (EOB) Explanation of Benefits says Neurologist is out of network. CIGNA website shows neurologist IN NETWORK - estimated cost $112. File for APPEAL, 60 days later CIGNA denies appeal because we did not consult with primary care physician!!! CIGNA APPEAL recommended I file a claim with the State Medical Board. I plan on finding another provider come November.

I called 800-900-1238, requesting a letter stating my payments that were made from July, 2015 to December 2015. This was for the purpose of reimbursement from the school board from which I am retired. I was asked if I wanted this sent by fax or US mail. I requested it to be mailed. Everything is fine. After I hung up, I called the school board to obtain their fax number, wishing to expedite the process. I called back, and spoke to a young woman who had no idea what I was talking about. She checked with someone who told her I had to speak to the marketplace, not Cigna as they could not send fax or send the letter.

This is the second or third time in the past year that Cigna has denied paying for procedures ordered by my Doctor, P.A. or Specialist. They always send a letter telling you they are denying payment of the claim. Cigna is in Tennessee, and their reviewer company is MedSolutions, Inc. doing business as, eviCore. EviCore decides if the procedure was necessary and whether or not Cigna will pay it. Nothing in the letter tells you what city or state eviCore is located in so you can just run by their office.

Every time I have called Cigna Healthspring I have been passed around from one rep to another with each giving different answers. I have been told I don't have coverage for medical, only pharmacy, which is ridiculous. The fact is that on the Cigna website only pharmacy info is accessible and for medical info I have call in.

I recently switched jobs and with the switch I changed my health insurance provider to Cigna. In June I used my insurance for the first time to fill a prescription and was charged a 75$ deductible for the first use of the year. When I tried to refill my prescription in July it said I had to pay the 75$ again. I spent about 2 days spoke with a few different representatives in customer service who couldn't figure out why I was being charged for the deductible again. George from the pharmaceutical customer service department took my call today and was finally able to get my issue resolved. George was awesome. He figured out what the problem was and instead of just having the pharmacy reprocess the order he called them, made sure it would work. I was not having the best experience until I spoke w/ George who went above and beyond what he needed to do to make sure I was taken care of.

My issue is a simple one. I called them (unable to access a computer at the time), to find out if a Minute Clinic was covered by my insurance with Cigna. The person I talk to said (and I quote), "Yes, Minute Clinic falls under the same category as a primary care physician, so your co-pay will be (said amount)." So, being very sick, I said, "Thank you" and went to the Minute Clinic. Well now a few weeks later me and my husband are stuck paying a couple hundred dollars because evidently a simple, common strep test isn't covered AND the Minute Clinic ISN'T COVERED. This is my first and only experience with Cigna and I am extremely disappointed in the wrong information that is costing me money.

I have never experienced such horrible service and customer service in my life. I am a County Employee and the County, decided to use Cigna to handle employee FMLA starting in December 2015. It has been nothing but a complete nightmare. Rude agents. Rude Leave Managers. Never return your phone calls. Latest example. Called my Leave Manager on June 09 2016. Have not received a call back to date. My doctors have called my Leave Manager THREE TIMES ( last call placed to my Leave Manager was on June 14 2016) to assist them with the paperwork because THREE TIMES it was denied and or something was wrong. STILL waiting on those phone calls.

We pay absurd premiums "supposedly affordable heath care" and then nothing is covered... The customer service reps mislead you when you call for "in-network" options, then deny the coverage as out of network when the bill comes. Then I have to call around to get my own costs for things such as MRI's.... I had to make 6 phone calls before I could find out which hospital and doctors could look at my kid's leg... RIDICULOUS!!! The online search would only pull up offices over 45 minutes away from me, when according to the rep, there were local offices... Guess we will see when those bills come in if they really were in network huh?

Our union changed from Blue Cross to Cigna. I can tell you I never ever had someone refuse to allow a MRI. I have been off work for five weeks which sucks. I've not been able to walk without pain on a scale of 9 and that's with meds I take daily to deal with pain for my back and knees which I've been on for fifteen years. Had 57 surgeries over my life span, never have had an insurance company tell my doctor to allow me to suffer another 6 weeks to see if it got better which is **.

Cigna has been an absolute nightmare to deal with in receiving my reimbursements for the time period of April 13, 2015-February 26, 2016. I received a debit card upon signing up for FSA and EVERY single transaction I have ever tried to use it for has been declined and I have been asked to resubmit receipts time and time again. Then, Cigna shut off my debit card!!! I have faxed over to multiple numbers as well as sent the proof in the mail several times before receiving my reimbursement. After multiple phone calls and hours upon hours of being on hold on the phone and again refaxing and sending proof in the mail, I have received all of my reimbursements except for this last one of $720.14. I am mentally exhausted at this point to keep fighting for the money that was taken out of my paycheck that I was supposed to be reimbursed back!

I have two very large complaints. Cigna advertises their "low" co-pays and prices for the "Cigna Preferred Network". Well that's all great and fine if any of those doctors in your state received the "Cigna Preferred Network" status. I live in KY and there isn't ONE Doctor that I can go to that has this status therefore I pay double the co-pay for each visit. I called customer service to double check and I was correct, zero doctors that I can go to and they said there was nothing that could be done. Second complaint and the most important is the lack of detail and quick denial of surgery pre-approvals. My partner (who is covered under my plan) was told by her orthopedic surgeon that she needed a spinal fusion. Doing the right thing a pre-approval letter was sent to Cigna and immediately denied due to not enough information and a peer to peer evaluation would be needed.

Our employer was purchased by a company that provides Cigna, and now I mourn for our Blue Cross Blue Shield Days. With Cigna we have a high deductible, low premium policy that costs around 135% more than our previous Blue Cross Blue Shield low deductible, high premium policy. To make matters worse, our premiums are income based. If we earn a raise our premium could potentially go up, nullifying the pay raise. Employees starting out with the company or who earn less will pay less for their insurance or receive it for free, however, everyone receives the same coverage. I do not understand how this type of wage discrimination can be legal.

Even though my dispute with Cigna dental has been resolved to my satisfaction, it could have easily gone the other way. So I'm writing this review to educate anyone out there that is considering purchasing a dental plan for themselves or their family, so that they don't fall into the same trap that I did. On with my scathing review.

Cigna may be the worst insurance company on the planet. Two years after my daughter is weaned from elemental formula prescribed by her GI because of malabsorption and food allergies, Coram who provided the formula through Cigna is now trying recoup the formula cost because Cigna refusing to pay them. I spent countless hours on the phone with Cigna, Coram and Carecentrix. Cigna and Carecentrix blame each other, and Coram just wants their money. Each person at Cigna I talk to has no clue and I spend countless hours explaining my situation. I get the same answer, they only cover formula for inborn error of metabolism, a rare disorder. But lo and behold New York State law requires insurance companies to cover infant formula in cases of malabsorption or food allergies.

Before buying Cigna my broker has promised I can get cashless services on arrival to a hospital, so I wouldn't need to wait confirmation or pay any deposit. I honestly informed Cigna about my pre-existing illness and did not expect Cigna will cover it but they sent me certificate with no exclusions. I was really surprised and thought are they blind or stupid but anyway it was even better for me. So I made wire transfer for outpatient and inpatient coverage. After I received my insurance card hospital couldn't see any benefits on Cigna website, so I wrote to Cigna's customer support and got reply "We're working to improve our services in future".

Saw the MD for an office visit. Co-pay for a visit is $35. Received a bill for an additional $140.84. It's because a shot was given. The fees for the prescription and injection are not covered (apply to deductible). The customer service rep suggests I go to the website to read my policy coverage.

Oh, Cigna, where do I begin? My husband makes almost 200k per year. We aren't complaining about money. That is not the issue here. Your service is pretty bad, and we think you have some serious I. T. issues about which you keep making lame excuses. You guys backpedal while talking to us. Your people aren't nice, nor are they very informed. They seem inept for most part.

I was removed from their service because of moons of monthly premium. They requested that Medicare residential me for nonpayment of premium. They did. I have had experience with Cigna in the previous year (2015) with them not having accurate records of my monthly payments. They accused me of owing them $96 in premiums for 2015. I had to wait until late in Jan 2016 for them to clear me.

Our first experience with Cigna this year and it is by far the worst insurance company I have ever dealt with. In fact it's outright fraudulent. It was recommended by insurance broker. It was affordable, but little we knew how it's impossible to use. They repeatedly denied coverage, medications, doctor's visits. You must go through major red tape to get approval to see the doctor and when we finally did they rejected to pay for it. We are frustrated and so our doctor. Our doctor has recently stopped accepting Cigna coverage and now we are having the worst time finding a doctor that willing to accept Cigna.

When I was with HUMANA, the prescription I was taking was free! Was paid by HUMANA. CIGNA is charging me from CIGNA. Also HUMANA was paying me bonus for taking Annual Physical and certain tests. In all $50 per year, not so with CIGNA. I get $0.0. With HUMANA there was one dental X-Ray and one cleaning per year free, not at all with CIGNA. Obviously, I will switch next year back to HUMANA. It was my mistake to join CIGNA.

Some of the people that answer the phone do not know what they are talking about. Some are really good. I just got off the phone with the not so good. I was charged for a specialist when I saw my primary care Dr. I told them I thought I had to have a referral to go to a specialist and was told if they paid anything I got lucky. I do not like using an insurance company that tells you I got lucky. My Dr. office got it fixed. They said it happens all the time with Cigna and they probably would be dropping them at the end of the year. I know I will.

I am 72 and have been taking the same drugs for over 10 years. I have never had a problem until I changed to this company because the AARP dropped **. Now, I cannot get them renewed without a major blockade; first to discovered why the drug was rejected, then to petition my physicians to submit documentation of the need, evidence of step therapy, and declaration that this is good through Dec. 31. If I keep this plan (which I won't), my physicians will have to do this unnecessary work every year for me.

Cigna provider claim line is a joke. I don't know if they farm out their phone bank to some country but the phone service reps are inept and do not seem to understand basic questions and logic associated with American insurance. I'm currently on hold to speak to someone in "Providers Service" and have been for almost an hour. This is BS and a joke. I do not want to hold my patient accountable to the lack of payment but at this point, I'm left no option.

I am on SSD, and last year I had Cigna HealthSpring TotalCare, which was recommended by a friend. Right away, they started cutting medications that I had been on for over 20 yrs (reasons: age, or, "didn't try x, y, z 1st" -- well, yes I DID, 20yrs ago and this is what works!!). It didn't matter how many 'PAs' my physician sent in... what he thought I needed didn't matter! And when I appealed, they gave me the generic (during the appeal process) but charged me for the brand name... isn't this illegal? So, I switched to UHC; they seemed better at 1st, but at the beginning of 2016 I noticed every time I called Customer Service, it sounded like I was talking to a 15 y/o who just started the job TODAY (with NO training). I don't know where to go from here... we on SSD and SSI have fewer and fewer choices, both in insurers and physicians who will see us (and FORGET dentists!).

I am responding with this due to a recurring idiotic plan that Cigna must review a doctor's prescription prior of its filling at a pharmacy. My wife has been on the same medication for 4 years and approved by this company after filing appeals. But yet again we are in the process of appeals for this year. Can't this company get their head out of their **.

I'm a Patient Advocate for a large Hospital and Cigna is the LAST insurance I would ever recommend to anyone. They are by far the worst insurance company I have ever encountered, terrible customer service, high DENIAL rate, and poor reimbursement. If you have ANY other choice do not enroll with Cigna.

Unbelievable phone wait times only to be connected with inept and unempowered employees who cannot give you answers or fix issues. They tell you to follow-up to them... You are the customer who pays huge premiums and they tell you to do their work!! Also, after extensive ankle surgery at 62 years of age physician prescribed need for knee scooter - Cigna denied saying crutches for a 62-year-old with vertigo and thumb/joint pain are sufficient! Then after peer to peer review with the physician they finally approve it can't seem to get approval through their system. It's been another 3 days of a now 4-week long process to obtain medically necessary knee scooter and they still won't provide even with authorization from within their own company!!

The experience is actually on behalf of my husband. How sad we are being FORCED to pay for something called "coverage". My husband has now gone to the Dr. 2 times this year and Cigna has now received also so far this year $2280.00 This is MORE than what we took care of for the ENTIRE YEAR PRIOR on our own!!! Be cheaper to pay stinking fines!!!

Absolutely horrible experience (except for Zanne pronounced Zayne) in the Personal Service Advocate department. I had very specific questions regarding the prescription dose, regimen, and cost to me. Here's what transpired. I got a letter from CIGNA saying I had been approved for a cancer drug called Yervoy. It stated I was approved for 6984 doses, yep, doses. Sounded simply wrong. Also said that I was approved for "Yervoy 873 mg once every 3 weeks for 4 doses, then every 3 months for 1 year." Tried to figure out what that meant but couldn't.

Employers need to avoid Cigna at all costs. My best friend passed away on April 3, 2016 unexpectedly and Cigna is only adding to the stress of her loved ones. First they gave her husband the runaround about receiving paperwork in 8-10 days. Then he received claim paperwork insisting that he sign off on allowing them to establish an account to hold on to the money. Now he is being told that he will only receive $25K out of $100K policy because he didn't complete a survey in 2013, yet they continued being paid as if she was covered at $100K.

Oh, stay away. They are always on time when they need you to pay them, but as soon as you need them, they will screw you over. They told my doctor I am not a customer of their company (after two years of being a proud owner of their "premium" plan). Their database wasn't working, as if this is my problem. They do admit this was a mistake on their side, yet they refuse to give me my money back. I was paying them for two years only to be called a fraud.

WOW - I was a long time customer with very few medical claims and still had the worst experience when switching my plan from Florida to Maryland. I ended up going with Blue Cross/Blue Shield, but United Health was a close second. Don't waste your time with Cigna. After receiving emails online to pay online (which doesn't work) I sent the payment 5 days before the due date listed. I was on the phone for 8+ hours with their customer reps because they said they didn't receive my payment in time. They said they need 10-14 days to process payment, and that due date listed on my documentation was their processing due date. I am glad that I dropped these petty people, and very glad I don't have any health issues going on because I wouldn't trust them not to play games with claims if that is what they do to people who are making payments.

Most of the customer service reps are morons. Most of the time when I call, I get incorrect information. I think one of the requirements to work there is that you have to be stupid. I've lost my patience with them and I don't hesitate to let them know how I feel when this happens. There are a few good ones, that know what they're doing, but it's rare.

My experience with Cigna Healthspring, Medicare Part D has been very negative. The answers to my specific questions are not answered by customer service and I am unable to get reps to connect me with a manager. The costs passed on to me by Cigna vary from month to month for the same drugs, same manufacturers. For example one of my prescriptions for a generic drug cost me 8.75 last month under the Cigna plan and $124 this month for my refill. Without using my insurance it is available at full cost from the pharmacy for $10. I am aware that Cigna is not being allowed to enroll new members for Medicare Part D, but what help is available to us who are unfortunately already enrolled and being robbed?

Now and then, you get a customer service rep who is helpful, but it is rare. I pay higher prices for the few drugs they do cover. Drugs I need they do not cover even when the doctor calls them and authorizes the medication. It is such a hassle to have Cigna's prescription insurance. Next year, I will definitely change companies. This year, I have had to pay the deductible, monthly premiums, and most or all of the prescription costs anyway. There should not be a law for returnees to have to have pres insurance. The cost of their pres plan is higher than paying full cost of the prescriptions, as they only cover a few prescriptions. Their profits should be very high this year, because they get to collect monthly premiums and a deductible, but pay little out.

I selected Cigna-HealthSpring as my insurer when I made the transition to Medicare. My selection was based on my prescriptions and their formulary, which I had signed into with my DOB, confirmed that I was covered for my prescriptions. I received one shipment of one medication after which they told me I was ineligible because of my age. I appealed and was turned down. BAIT AND SWITCH - I selected Cigna HealthSpring based on their coverage quote and then they immediately disqualified me because of my age which they knew when they gave me their coverage quote.

We had Cigna local plus all through my wife's pregnancy and 4 weeks before the delivery, Cigna changed the plan to local plus without our knowledge or approval. We got a letter of the change a month after delivery. The Dr. nor the hospital were not notified either. We have been trying to fight them for the bills in over a year now.

Initial fee with zero deductible was great. Then when renewal came up, the fee went up by 50%, a $300 deductible was added and they didn't cover any of the drugs that were previously covered. Typical bait and switch. Every time I get a new script, I have to call customer service. They in turn tell me that they have to decide who will cover the drug: Medicare or Cigna. In the mean time, I wait. This is no way to run a business. If I have to pay for my drugs anyway, why be forced to have Medicare part D coverage?

Please save yourself headache and heartache and time and avoid the NALC High Option Health Insurance Plan. I have had the worst experience with them. They have refused to cover numerous claims that are clearly listed in their brochure as being covered at 100% without a deductible, including the following: A prenatal sonogram. (They claimed that since I was having a miscarriage, it wasn't really considered as part of their obligation to cover complete maternity care - so not only did I deal with the sadness of losing my baby, but they charged me for it, too.) A well-child check for my newborn a year later. Three fetal monitoring nonstress tests ordered by my OB because it was a high-risk pregnancy. A newborn hearing exam/well-child exam.

Cigna-HealthSpring makes it as difficult as possible for Plan D enrollees to obtain the drugs that they are entitled to receive. There are overt violations which resulted in the CMS sanctions imposed in Jan 2016, but there is also the incompetence of Cigna's bureaucratic structure, which is virtually impossible to overcome and therefore can be construed as an intentional roadblock by the company.

I have had insurance the majority of my life. Over my adult years I have had a number of different insurance companies and for a period of about 14 months was without insurance. For the most part my experience with insurance companies has been very favorable, until I got Cigna insurance. Each time one of my very active kids has to go the Emergency Room or to the doctors for an injury, I get multiple correspondences in the mail (I have 3 kids - we have about 2 emergency room visits a year.).

After waiting 52 minutes on the line, at the moment someone talked to me I told her it was disrespect to keep clients waiting for that long. She hung up the phone on my face. I already changed my address on the internet by phone but they keep sending me letter on the wrong direction and the funny is that I don't receive the checks they are supposed to send me but bills I do! Awful customer service!!! I will be canceling my account with them and find another one on the following months!

Horrible customer service. If you get a US representative, after being on hold for a good 20 minutes or so, they're never educated and typically have a bad attitude. If you get someone from a foreign country, they are very friendly but you can't understand a word they are saying. I dread any time I have to call them. I just know I'm going to spend a good hour on the phone and end up very, very frustrated.

I have been using this insurance coverage for about a year. I have tried four different doctors in their network all of which offices such. The offices seem like they are doing insurance scam frauds in my honest opinion. I used one office, Dr. Ashley **, which I only seen him on maybe two or three of those visits. His nurses were rude telling me I'd have to see the nurse practitioner because he wasn't taking any type of Medicare insurance's. So why did they ever schedule me?

When we were selecting a supplemental drug company, the broker went through several formularies reviewing my wife's current meds. Cigna's list included two (Xarelto and methylphenidate) which required prior authorization, which the broker indicated was generally a simple formality of having the doctor drop a note to them explaining why she needed them. We signed up September 2015. For the last few months of 2015, they paid for both drugs, although the Xarelto ran us nearly $70/month in co-pay. Once we got through deductibles this year, they adopted a new philosophy on methylphenidate, refusing to pay for a regimen of four 10mg tablets/day, claiming this violated FDA and their guidelines.

I have my insurance through Cigna HealthSpring. Up until this point, I was very happy with the service I had received from Cigna Healthspring over the many years I have had them. However in around September or October of 2015, my pain management physician requested that I have surgery to replace my Spinal Cord Stimulator internal pulse generator. The reason for this surgery was because I have lost around 70 pounds after having weight loss surgery. Losing this amount of weight has caused the battery to shift. The shifting of the battery has caused me to be unable to charge the system.

ER for afib, first time. BPM triple normal. ER doctor admitted me. They ran test to make sure no stroke. Cigna denies as medically not necessary. $15,000. They are the insurance company depicted in Matt Damon film. Avoid them.

I am currently out on maternity leave. I am now 35 weeks pregnant with no source of income. I applied for disability in January 2016, however I was denied. I think the decision was unethical. My doctor put me on bed rest due to my chronic hypertension, the same reason I was put on bed rest during my last pregnancy in April 2013. All the requested documents were sent over to Cigna with no delay and all diagnosis clearly indicated from day 1. I received a denial letter from Cigna and I chose to appeal the decision. Myself or my doctor could not figure out the reason for the denial. The denial letter stated the reason for the denial was I did not have chronic hypertension, which is incorrect. I chronic hypertension. My last pregnancy I suffered a placental abruption due to my condition which makes me and unborn child severely at risk for major issues.

I did not receive my dental insurance card and called customer service to get my user ID. They asked me for my first and last name, social security number, and date of birth. They confirmed that two digits of my social security number had been transposed, but that because they had no way of confirming that I was who I said I was, they could not give me my user ID. But they had in fact just confirmed that I was who I said I was since they had just confirmed that two digits of my SSN were transposed. Anyway, they are total morons and not at all helpful.

My husband has numerous serious health issues, and I am left to deal with all of his medicals issues, including obtaining his medication, and I have done so for many years. I have NEVER before had the kind of troubles we have run into with Cigna. No wonder they have been sanctioned by Medicare! If I don't call them and nag them, nothing would ever get filled! Our doctor sent them 3 scripts. One was sent to the "specialist pharmacy", where it sat for at least two weeks before they called and tried to arrange delivery of the much more expensive brand name version of the drug for which he'd been using the much cheaper generic for years. I didn't even know what med the tech was talking about. I asked for the generic name, and was told it didn't have a generic, so I looked it up online while she waited, just to find out it most certainly had a generic, which was what he had always taken in the past.

Horrible insurance company. One star is too generous but partial stars aren't an option here. This is the first and last year I will use Cigna as my mother's Medicare prescription insurance provider. Customer service reps don't have a clear grasp on what is covered and not, which drug stores are preferred, and what exceptions are made for people in nursing homes - like my mom. I get different answers depending on which rep answers the phone. Even setting up direct debit of premiums has been a 4-month long ordeal. Last night I received a phone call from a rep who refused to explain the purpose of his call to me because I was not the member. OK. BUT I'm the member's Power of Attorney which is well documented in their system. How could the rep not be aware that I am the member's legally designated decision maker?

I live in Arizona. I received notice in October 2015 that CIGNA was not going to have the same healthcare program in 2016, that they had in 2015 and were cancelling the program that I was entered into. They suggested other CIGNA plans. Based upon the info and the much higher costs of the new plans CIGNA offered. I chose a different healthcare and dental insurance provider for 2016. Then, going over my credit card bill in March 2016, I saw a charge of $38 per month. I quickly called CIGNA who then stated that they cancelled the Healthcare plan, but NOT the dental! I did not renew the dental and their communications did not imply that they would be providing dental in 2016 either.

I have Cigna insurance through my employer, and it is my only option. In the Spring of 2014, I went through a major life change. I decided to see a clinical social worker in order to help me adjust. I received a recommendation from a friend, although the person was out of Cigna's network. I called Cigna before beginning to see this social worker to find out how much they would cover. They said they would pay 60% after the $500 deductible. They said there was a maximum allowable amount for each zip code, but their employee on the phone looked this provider up and said she was well under the maximum allowable amount.

I have been on the same prescription drug for several years and all of a sudden my prescription refill gets rejected at the Pharmacy. After spending 1/2 at the Pharmacy asking why and then spending another 1/2 hour with my Doctor's office and then another 1/2 hour speaking with Cigna, I was told my drug is no longer covered by Cigna and I would need to try a generic equivalent or alternative.

I had to abandon my other cell phone in order to finally get shed of their relentless telemarketers. There simply was no other way to avoid their calls. I tried for years to get them to quit calling; nothing worked. It is a damn shame to have to give up your phone to put a halt to their harassment!

Myself and my two sons had Cigna health insurance. My husband had his own plan with another company. One of my sons had surgery. Cigna paid. Now, almost a year later, I'm getting bills from the doctors. Cigna has requested refunds because they said my son had other insurance, which is untrue!!! I've called Cigna several times and confirmed they were the only insurer for my son and they've made note of it but these bills just keep rolling in. I paid them $800/month for two years and now I get to deal with this? I've had to call Cigna and the doctors offices over and over again trying to get this dealt with so I don't get sent to collections. They are sneaky snakes that will do anything to get out of paying their portion. They found out my husband had a different plan and assumed my son was covered on it even though he NEVER was. I've had a couple other annoying situations from Cigna but this one is by far the worst and the most time consuming.

I switched to Cigna this year from Blue Cross since it was $2000 less on the platinum plan but I am still paying $9000 for my husband and I for the year. To start with, they don't cover our simple acid reflux scripts which will cost each of us $100 a month. We then find out they won't cover my husband's MRI which we disputed and then they ended up covering it, but we shouldn't have to go through that to begin with. Then I go to my Dr. for my annual and they tell me that CIGNA is the only insurance company that charges the $35 fee for the visit. $35 is no big deal, but every time I use them it keeps getting worse!!! I completely regret going with them and now I'm stuck until next year, but I will never use them again!! What am I paying $9000 for if they don't cover anything!!! Worst company ever!!!

My mother was recently diagnosed with dementia. She is no longer able to take care of her personal business. My niece took her to fill a RX. It was denied. My mother called Cigna February 4. They ask for a January payment which she paid with her debit card. We again attempted to fill her RX. It was again denied. I called Cigna February 19. The representative I spoke with said she was canceled because they did not receive the payment before January 31, which they accepted February 4. They stated she did not give them an acceptable reason for being 4 days past the grace period. I explained to them she was in the hospital two times in January and also told them she suffers from dementia and is unable to handle this type of business. The rep said had she told them she suffered from dementia and had been in the hospital two times in January they would have made an exception.

Cigna discussed my situation with my wife around 12/20/2016. Never did I sign any form giving them the right to discuss my protected health care information with my wife. They wanted me to go see a neuro-psychologist and my wife stated "no this person was not qualified" (according to my wife). Because of this they canceled my insurance. They never asked me if I wanted to go see this individual. So based on their HIPAA violation they cancel me with no notice provided. They did call me yesterday and asked for my wife, which upon questioning they stated they were going to tell her why they closed my case and stopped payment for my LTD. They stated I could appeal but they never told me how???

Randy **, a Cigna rep, called me right away and has helped out and kept in touch to resolve the issue.

I've had Cigna HMO since 2014. In some situations, like urgent care visit and physician visit it works no problem. The problem appears when you have to go to a specialist. There is a seemingly simple system of receiving a referral from your primary care physician and scheduling an appointment with a specialist. However, many places set their own requirements to a referral, so that "referral form" appears to be incorrect. Cigna is not concerned about this form and says that it's up to a physician which form they want to use. I have been through many hours of phone conversations with Cigna's reps, my physician's office and those specialists who refused to accept a referral.

I changed to Cigna and regret it. I have been with them since January 1, 2016. My doctor ordered a ct scan of the lower lumbar region without contrast. You have to get approval from Cigna. It has been 15 days without approval. I had my back fused in October of 2015 and the 3 month check up is required with a ct scan. When my doctor told me that the ct scan has been turned down I called Cigna and asked why? The woman at Cigna said they don't do ct scan for a backache. Ugh.. The doctor and myself both explained to them this was from a major back surgery.

Ilene (claims manager) calls my surgeon after a heated conversation between her and I - saying things out of context knowing (I have doc. to prove) it to be fabricated. Doctor fires me within hours - one week before surgery due to her comments. I had a perfect under 2 yr. relationship w/ doctor and PT. A letter was sent to CIGNA over a year ago - after many reminders they have yet to respond. I was forced to find new surgeon and new PT. I have the original letter and policy showing where this behavior is prohibited by CIGNA reps.

On Friday, January 8, 2016, I was unable to fill a prescription at Publix. I was told that Cigna had rejected my request and that my plan had expired 12/31/2015. However, I had received paperwork from FBMC dated 12/11/2015, showing that I did have coverage. In the following 8 days this is what happened: I contacted: Cigna, 1-800-244-6224, Cigna HealthSpring, 1-800-558-5686. FBMC, 855-445-5803. I also called or was told to call: 1-800-835-3784, 1-800-222-6700, 1-800-558-9562, 1-800-627-7534.

I have had Cigna-HealthSpring Part D last year. When I renewed in December all was good. I take 3 medications. Cigna would not pay for one medication so I called on Jan. 15. At that time I was told I would be contacted on an 'expedited' time frame since the med was for emergency situations. Today, Jan. 22, I called again and was told to have the Dr. contact them. I called the Dr. and within a half hour the Dr. office called back and stated my claim had been denied. I called Cigna back, this time I was told the claim had been denied. Cigna had no record of my call. I was told I could appeal and given a number to call. I called that number and was on hold 34 minutes before someone answered. I made the appeal, and was told Cigna would again need to speak with my Dr.

I submitted a claim for IVF treatment and received a letter back from the Cigna saying the code on the claim was invalid or out of date. The code was correct on the form so either someone didn't enter it correctly or the copy someone at Cigna took of my claim made it unreadable to someone. The claim form I sent was an original and not a copy and very clear. Even the poor copy they sent back to me too. I can still read it well enough to tell that the code starts with an N, not an H like they said. Is this just a delay tactic so that they don't have to pay the claim immediately?

Cigna is the worst. Twice now, I've submitted a claim and had it rejected because the "copy is too dark". Yet, I didn't send a copy. Someone at Cigna made a copy of my form and screwed it up. Cigna, if you are reading this: learn to use your own copy machines and stop blaming your customers for your own incompetence.

They are supposed to cover an array of dental services and dentists. Each dentist we deal with is worse than the last, some don't even answer the phones or call you back when you leave messages. One of the dentist offices didn't even have a voicemail and they wouldn't answer their phones. When we need dental care we are left high and dry almost every time. How are they in business? I have had a dental emergency, I had to go to a "out of network" dentist and pay full price for a repair $270.

We just switched to Cigna and already regret it. First, my husband is being treated for cancer. Through his last insurance we had no problems getting scans and labs done. This week he was scheduled for a routine ct scan and twenty minutes before walking out the door got a call from "info choice" saying if he did the scan there it would cost us $3K out of pocket. Then they gave him a list of other places he could go that would be cheaper. He cancelled his appointment and has been trying to reschedule. COMPLETE NIGHTMARE!

Cigna has been outrageously irresponsible in handling my billing and customer services. I have been charged 3 times my normal premium, enrolling my spouse against my consent or request. They send the absurd bill which NONE of your customer rep could explain to even after spending 1 hour 30 minutes on the phone with 4 customer reps. The billing supervisor hung up the phone without giving me any explanation of the absurdity in the billing. They are intentionally organized i.e., designed, to harass their customers!

Let me begin by stating that I was diagnosed with a chronic and lifelong condition to which flares or intermittent episodes would be experienced for the remainder of my life in June 2014. After a very long and arduous claim that included reports of documents from my doctor's office were not being received and a closed claim threatening a 45 day appeal period, I was able to get it approved (I saw firsthand the fax confirmations from my doctor's office to CIGNA, I had to get a team manager on the line and provide the documents directly to him to get things reviewed). Additionally, my leave manager went on vacation without telling me and my claim was not worked on while she was out. I didn't receive my money until I had returned back to work, after 45 days of not working. A future episode of my disease was approved for a week long leave in October 2014.

Long story semi-short: My doctor said my liver numbers were almost out of control due to recent blood test results and said I need to lose weight quickly. I thought about it and decided to see about weight loss surgery. My doctor agreed it would be a life-saving thing for me and I would benefit greatly from it. I was relatively new to the benefits I had and wasn't sure if bariatric surgery was covered or not so I got my insurance card out and called the number on the back.

I have been with Cigna for years and never have had a bad experience with them till recently. I needed to find a endocrinologist thru PCP referral due to a cat scan given to me after a whole year with pain inside my stomach. They found it after going thru several different doctors. I called Cigna to find a doctor and for first few days they gave me doctors that no longer take Cigna. So, after talking to several different C.S.R I had to repeat myself to everyone of them over and over again... not good at all having to deal with their rudeness and having no concern...

My wife's company just advised us that Cigna is throwing me off her medical plan cause I have my own insurance. Due to the paper work they sent her, I am not considered a family member. I am legally her husband who can make children who they will insure. This company is facing a law suit. Cigna is my secondary insurance. I find this really messed up. I am being penalized for have 2 insurance companies. I know they will blame the company she works for but why would Cigna have a policy like this. I can just drop mine and cost Cigna a whole lot more pay out in claims. Mine pays 80%, Cigna pays 20%. So I drop mine, Cigna now pays 80%. Sounds like Cigna's out more money to me. Really a stupid policy and a not so smart company.

Short term disability - Denied 3 times, provided all the records they required. This was thru my employer. Now I see why they were investigated in 2013 for denials.

Cigna put me through Hell the past few weeks. I did NOT get what I was told in the beginning of my understanding in what I was buying. I was on the phone for over 2 1/2 hours to make sure all of my meds and Dr's were covered!! I couldn't pay my insurance until the 11th because of my check situation. Once I finally paid I got meds transferred to another pharmacy because it was NOT told to me that I couldn't use Walgreens. I was told I could go anywhere!! Now I have to pick up a prescription that SHOULD cost me 14.00 and it's over 200 dollops! CIGNA has made me wait for over 2 weeks for this Med that I need for pain!! My Dr was pissed, that he had to write 2 prescriptions, and he had to get authorized for this prescription! I was also!!

I live in Shanghai, China and have an international health policy from Cigna envoy. I suffered from a disc herniation that I wanted to cure in France instead of in Shanghai. I provided the quotation from the hospital in China (about 30,000 USD) and the one in France + flight tickets (all in all 8,000 USD). Cigna refused the flight ticket reimbursement, considering that I can get my surgery in China. They could save >20,000 USD and make a customer happy, but decided (and confirmed its position several times) to keep their ridiculous line. No possibility to escalate the case. The customer service was awful. I will change my policy to another provider.

I was given misinformation by the sales representative. Upon receiving the written documents, I attempted recontacting the agent. The telephone number(s) and email he provided did not work. I spoke with 7 different people/departments within Cigna and no one could help me contact the agent. As a consequence of the misinformation provided by the agent, my application was denied (for medical reasons). Thank God! I would never want to be insured by such a dysfunctional business entity. My wife's application was approved. She canceled.

Two years ago when our work group of about 50 people took out an HSA Cigna policy I was skeptical, but maintained an open mind. From day one we have had problems. In my case, I have never been able to get signed into their subscribers' log on. I have had vaccinations' approval refused for flu several times. From the day on of this policy (almost two years ago) they did not seem to be able to find me in their files, except when it came to cashing the payment for insurance.

Have been on the phone for days with multiple reps at both Cigna and Amplifon (which do not talk to each other). Finally get concurrence that my benefit for hearing aids is only 80% of the allotted $1500 benefit so $1200/ear regardless of price of aids. Finally thinking I got it settled and now when I go to price a hearing aid that is less than my benefit, I am told "oh nooo because you went under your $1200 allowance it then reverts to 80/20..." Never did this come up in any discussion over the course of the month long communications. This is not an insurance company, all they want is your premium!

I never imagine when my mom said this guy call her one day to enroll her in this insurance it would be such a headache. Called them to get my dad's physician changed and the Rep said she needed to speak to my dad. I tried explaining to her my dad have Alzheimer's and do not handle any of his affairs. Not only that he wouldn't understand what she is asking him. Well, I was talking to a brick wall. She continued saying she needed to speak to him. Well, I got frustrated and just gave up. Now my dad is sitting here an 82 year old man with heart problems needs to see the Dr. and we gotta deal with this BS from them. You gotta call customer service for any and every little detail regarding your healthcare. So what's the point? It really isn't beneficial to the patient.

On 11/20/2015, my doctor called in three prescriptions to Walgreens in Dallas. At pickup I was told that Cigna would not cover the prescription despite my card showing the copay prescription amounts. Pharmacist said I could take the prescription to another pharmacy that Cigna covered, but I didn't know, if Cigna wouldn't pay Walgreens who else they wouldn't pay, and I was sick and needed one of the meds. I paid for all 3 for $412.97 (the one I needed was over $300).

I used to have my blood tested prior to having an annual physical. Now, Cigna has told the doctors that patients must see the doctor 1st during the physical and then have the doctor "approve" the blood test. Now, I do not get to discuss any issues that may come up from the blood test during the physical. Cigna is definitely hoping 10% to 20% of patients who have annual physicals do not get a blood test. Why? So Cigna can save millions and improve their bottom line. Healthcare companies like Cigna are ridiculous. Patient health means nothing. Profits are what drives companies like Cigna. Who's the suit that came up with this great "cost savings"???

Family member was in hospital four days (behavioral health) then a partial program. I was told by facility that provided partial program that they had received authorization for treatment. After all was said and done I received denial for what was billed as miscellaneous. Received another EOB same claim billed as miscellaneous and Cigna covered it. The very next day I receive an EOB exactly the same as the first which says I'm responsible for $5600 because the miscellaneous was educational and they don't cover education. I had a medical claim in April. The physician provided non-covered services and I wasn't held responsible so I'm at a loss as to why this is being treated differently. I have spent numerous hours on the phone with Cigna and the partial program facility, and I can't seem to get this resolved. I have been given several different answers.

Have had stomach pain for over a week. Received a referral for a CT scan from GI on Monday. Had an appointment scheduled for Wed (Today) to have a CT scan on my abdomen to determine what's the cause of the pain. Advanced Radiology had to cancel my appointment due to CIGNA's Dictatorship policies. Meanwhile I am in severe pain and something could be seriously wrong. CIGNA said it takes 48 hours or more for a referral to be approved. Meanwhile something serious could be going on and could be prevented if caught early.

My husband had surgery in September 2014, a surgery that was not work related and did not require pre-authorization according to Cigna at the time. Forward now to 14 months later during which time I have spoken bi-weekly/monthly with the following claims department employees. Christina, Laplecia, Patrick, Vicky, Amanda, Umberto, Jill, Bethany, Dave and Eric. In 14 months, the claims, again noted for all one single surgery were sporadically released for payment, however, not before our file was, and I quote "lost" and or "forgotten"! As phone calls are recorded, this can be verified by Cigna if they wish.

Cigna is a joke. I had back surgery back in August and have been waiting for a long term disability payment payments ever since. They have been yo-yoing me around telling me they're still waiting on medical records. Meanwhile I have not had any money since mid September and I am still waiting. I had to file a complaint with the Commissioner of Insurance and I still don't know if I'm going to be paid. This is ridiculous.

This is the worst insurance we have ever had! I had a total abdominal hysterectomy in March due to many issues. After the surgery, I had an awful time as the incision did not want to stay closed. I have continued to feel bad ever since March. Now I have a fairly large lump on the right side of my abdomen which burns and gets painful. My doctor thinks that it is a hernia which will need surgical repair. She requested a CT scan to properly diagnose the problem, yet Cigna seems to know best and decided that I can't have a CT scan despite having two abdominal surgeries and the high possibility of it being a hernia due to weakened muscles in that area.

My Family Dr sent me to MD Anderson at the Suspicion Of Cancer Clinic. My Family Dr had a Cat Scan done of my neck without dye because my neck and face had swelling. They found my lymph nodes were all enlarged and I had a nodular on my thyroid. My MD Anderson Dr requested a CAT scan with dye, so they can see where to do a biopsy. Cigna denied my test, they said I have to have a biopsy before the Scan. My MD Anderson dr. went to her surgeon and he said he couldn't tell what the largest nodular was attached to, said that it would be too dangerous for him to do the biopsy. So I called Cigna, they then transferred me to their 3rd party people (Advocore) (don't know if I spelled it right but its close) that approves all testing.

First let me explain Cigna Global is NOT Cigna International as I have had both and Cigna International is a great health insurance company. Cigna Global will try to fool you as they use the same logo. My experience with Cigna Global: I checked into the hospital and the hospital notified Cigna Global. I had my Insurance Card and a Certificate of Insurance which the hospital has on file (It states there are no exclusions).

My wife and I started our policy with these useless thieves in April of 2015 in the state of Colorado. Since then, we've paid $400 monthly directly to Cigna for the policy, along with $4000+ in co-pays/deductibles. I am a type 1 diabetic and regularly need to see doctors, have lab work done, buy $600+ worth of prescriptions every month (which they actually cover the majority of). They also expect you to micromanage your doctor's orders on things such as "which lab to have blood work processed at", as they cover *SOME* lab companies, but not all.

When my wife moved back to Texas from Nevada in January 2015, she called Cigna customer service to change her address. Over 3 months she called them 4 times to get this changed so we could get all the information that we needed for our drug plan, ie, drug card, drug coverage booklet, and the monthly recap of our coverage and expenditures. This month, Oct 2015 when I went to pick up my wife's prescriptions, the cost was outrageous and beyond her current budget. I called aetna to inquire about this cost increase and I was told that they would need to speak to her to get her address changed (she cannot speak due to a stroke in June) and that now I would need a power of attorney to get this changed. It should have been changed in January as she asked. Apparently they hire unqualified people into their customer service division as this has now put me into a difficult position with her medications.

Cigna a disability insurer that I chose through my position in now try to debunk my disability even though Social Security finds it a legitimate claim. I understand this is their tactic. But I just submitted all of my info multiple 3 months ago. Why I need to submit to same for the same time period now??? They are the worst! I'm a breast cancer survivor. What they don't tell you about Chemo Radiation and afters effects will blow your minds. I'm experiencing what I now know as neuropathy, insomnia, anxiety, panic attacks. And I could go on. They keep trying to debunk Social security and my docs which I have 12 docs. They think Cigna is the worst also.

We have spent over $8,000 out of pocket so our daughter can get help from qualified doctors who are not in the Cigna network. We have learned through long, hard experience that doctors who work with Cigna, especially in Mental Health, are unqualified and ineffective. After spending 16 years with ineffective doctors, we made the decision to go out of network so our daughter could finally get the help she needs.

Cigna-HealthSpring made me an appointment with the eye doctor which is great, however, they didn't let me know about it. That is one part. Part two is I live on 600.00 dollars a month and try to do anything I am able physically to do to make extra money. So if I cancel their appointment ITech will charge me. If I go they won't see me without the money to give them and I still get charged. I did not make the appointment, did not ask for this appointment and it is not my responsibility to pay for services I did not request them or anyone else to make. Part three: Every time I have called Cigna-HealthSpring they always tell me to call back in ten to twenty minutes because they are doing updates. It's very unusual the five times I have called they are always doing the same thing.

My husband has spinal stenosis so severe, he can hardly walk. Cigna approved fusion surgery in March 2015 for April 2, 2015. 2 days before the surgery CareAllies tells the doctors the surgery is not approved. Doctor talked to a CareAllies' medical person and was told he couldn't approve the back surgery because he doesn't know what the back surgery is because he's a nose throat doctor. Really!!!

I mailed all my required dental paperwork for reimbursement of orthodontic work for my daughter on 8/19/15. I call on 9/21/15 to inquire about reimbursement, only to be told "nothing" had been received. I then faxed all required paperwork on 9/21/15 then called that afternoon to confirm paperwork was received. I was told it was not received. However I had received a fax confirmation that the fax went through successfully. After putting me on hold, I was told that it was in fact received. I was told the request was being processed and I should call by 10/9/15 if payment was not received.

Well this has been going on for month and already meet my deductible and done everything like Cigna wanted and less than 12 hrs before my back surgery they deny me. Worst INS ever. They do not care anything about - well they love your money but they refuse to help you. I can't work because I can't bend over or barely walk so I think I'll be calling a lawyer today and see what I can get done. Might be POPE Ins when I get done with them.

This last May I had to leave the job of a lifetime because I had many impairing neurological problems. I was told by my company I needed to go onto Short Term Disability that will eventually lead me into Long Term Disability. So I called the number the HR woman gave me. The company was Cigna, a name I had heard but never had any experience with. I called and was bounced around a bit. Finally I reached someone who asked me for some form. I politely reminded her that this was my first phone call and I have no idea what form she was talking about. After we square away all my personal information they said they will wait to get the fax from my work with the paperwork I filled out. So I called my work and immediately got the paperwork sent over. Then I waited, I waited and waited.

It began in August of 2015. Johnson controls the contractor I was employed with, struck a deal to sell their contracting business to CBRE. My health insurance with Johnson was with BCBS of Illinois, they had approved immunoglobulin treatments for my wife, suffering from low test values and calcification of the arteries. CBRE's health administrator is Cigna as CBRE is a self insured company. A all hands meeting was called in mid August to announce a close date of Sept. 1st. At this meeting we were assured that there would be no lapse in coverage. During the question and answer I revealed my wife's medical condition and was told to see the HR person. I was given a transfer of care form and was told to fax it to a Cigna number. We filled it out and faxed it.

I have what appears to be a permanent back injury and have had nothing but constant problems with Cigna. I have had to wait to have MRI's and CAT scans done while Cigna bounced denials back and forth. They contract prescriptions out to a drug company called Xpress scripts and my prescriptions are constantly denied. Imagine that, needing your medication and having your insurance deny paying for your prescription. Why have insurance? I HATE Cigna!

I have made three claims for payment and have not received payment for any of them. Cigna do not reply to my complaints and are unhelpful on the phone. They claim payments will be made but this still has not taken place even after weeks have passed. I would be seriously cautious about taking out health insurance with this company. Thankfully, the matters I have required healthcare for are not serious but I would be extremely worried if I needed care for something serious as I have very little confidence in this company. From my own experience look elsewhere for proper health cover.

I live in constant pain. I recently found out why but you keep denying my MRI. Why? I am about tired of living with pain everyday. I would love to be able to do things with my 6 year old daughter. I am not happy with this insurance at all. I would like it if you could give me the reason why.

My Dr took me off work Aug. 14, 2015 due to stress leave. I contacted Cigna that same day, I completed the short term disability & FMLA forms. The next day, I took the forms to my Dr, and submitted them to Cigna. Here it is September 23rd and I still have not received payment. How do they expect people to live when something out of our control happens that we can't work? Cigna drags their feet in paying, is completely unhelpful. Isn't this something that we pay into? How does our government let this happen?

Number one, your customer service department sucks. They're rude and not helpful. Number two, I can't get something that is going to save my life 'cause I haven't met my deductible and have to pay out of pocket when I don't have the money to do this, so I guess it doesn't matter to you or your company that I'm going to die now but as long as y'all can sleep good at night it's all good. In my opinion your company has a poor rate and if it was up to me I would change insurance company at once.

My claim was put in because I am no longer able to drive commercial vehicles due to federal guidelines on diabetes. My A1C is currently 11.4, it's supposed to be under a 9 in order to stay current with regulations set by DOT. My claim representative, Lirenda also known as Denise, was supposed to be looking over my claim, in which she told me that she understood how being a diabetic was hard and she stated that she had a family member going through something similar at a younger age. Well, if she really understood, she would also understand that diabetics don't go to the doctors everyday, its usually in three month increments, so I wouldn't have tons of medical paperwork that she could analyze.

I went to the doctor's office to seek medication for a mental disorder. I was diagnosed and treated using Cigna as my insurance. Long story short, 3 years have gone by with Cigna continuously sending back paperwork to my doctor's office requesting more information. The office has sent everything they have requested but yet it's not enough. Worst insurance ever.

My wife was diagnosed with lung cancer 2 years ago. She had surgeries and was good - had no problems with insurance. 8 months ago my wife's oncologist requested a PET scan. Part of her cancer prevention plan insurance denied procedure. We could not afford the procedure so we could not do it. 4 months later her oncologist requested a brain MIR because that is the most common place lung cancer spreads to. Cigna denied claim so we were unable to get the MIR.

I had been dealing with back pain for some time. MRI showed nerves in lower back were severely crushed. Had 2 doctors review and same answer -- surgery. Submitted to Cigna for approval. DENIED. Then I received a call from Cigna Health Insurance. Nurses telling me I was denied and that I should go to Pain Management. Explained that I cannot take pain meds and function logically, let alone hold a full-time job. Thank God I had a secondary insurance through my husband's union. They picked it up immediately. Had surgery and was back to work in 6 weeks. My family doctor informed me later that he used to be a reviewer/approver for Cigna. Many times he approved a procedure and was told "no" -- It was denied. He no longer does reviews. They do not care about anyone but making money.

In July, a law was passed that under the ACA, all forms of birth control must be covered by all health insurance carriers, even if employers opt out for their misogynistic religious beliefs. So I go to get my prescription of Lo Loestrin Fe and it's over $30 and I am wondering... Why am I paying a copay for this!? I call Cigna up and they tell me they only cover generic brand. Well cool, but there is no generic version of Lo Loestrin Fe. It's too new of a pill. So why should I get screwed? It is not my fault, and switching to a higher dose would be potentially hazardous to my health.

Although I have had Cigna through work for the last five years, I'm new to the HealthSpring Plan. I've been checking on the status of my prescriptions to ensure they arrive before vacation. It appears HealthSpring wanted another prior authorization for the same med I've been taking under my work plan and which was previously approved. This would not be a big problem, except they didn't notify me for 11 days that they wanted a new prior approval authorization and told me last Friday everything was fine. To add insult to injury, they had mixed up my old plan with the new plan. First they sent me a letter that I wasn't eligible for ANY medications under my plan. Then they sent a letter that I was eligible for Cigna Home Pharmacy. Then my doctor faxed my RX to the pharmacy, and they notified me that my meds were not covered. Then I called and was told my plan covered two meds but not one other med -- the one I need most.

I got Cigna Health Spring and they are the best insurance that I ever had. I will not renew my healthcare needs with Cigna ever again. Even many healthcare professionals have told me that Cigna does not care about the patient's medical needs. I need a referral for any and all medical procedures. You cannot pick your primary care doctor and many times the primary care doctor sends in a referral just to have it denied. Their dental and optical is horrible. If you want to add dental or optical to your plan, Cigna will not allow it. Sooner I can dump Cigna, the better. Cigna is worse than public health. I will go with another company as soon as I can.

We ordered eye drops from Cigna Home Delivery. Before I even received it they charged me $293.00 to my credit card .When I realized that they had charged my credit card I called them immediately. I told them to cancel the order, they told me they couldn't do it. I got the order 4 days later. No one told us the copayment was $293.00 otherwise we would have asked for a different eye drops. I have been with them for years but I think I will be leaving them. It just makes me sick.

I paid $29 a month for dental insurance. I requested a copy of my coverage. Nowhere did it say I have to wait one year to be covered for a root canal. I have never heard of such a thing. Customer service was no help. They refused to help me file an appeal. I am 54 years old. I've had dental insurance all my life. This is the worst insurance I have ever had.

Am covered by my employer by CIGNA Access Plus insurance cover whereby they pay the premium and I pay the co-pay per visit. I had a surgical procedure and made sure I selected an 'In-Network' surgeon but lo and behold they get your $$$ every which way. Following paying for consultations with surgeon, surgical procedure and post-op, I then received a whopping bill from the Safe Sedation company for $500 - as they were out of network - so I had to pay for this anesthesia service even though I had Zero Choice in who I selected to provide the anesthesia for the service. CIGNA at no point advise on this and at no stage take responsibility for such 'corrupt practices' by so called professionals. The service and system is a TOTAL SCAM. Never use CIGNA.

Cigna contacted me after reviewing this post, and after I submitted an appeal it was eventually resolved in our favor. I credit them for being proactive. Just gave 4 stars because it took so long to resolve.

My experience dealing with this dept was horrible. This is the worse plan a person can ever have. It started on a Monday. My Dr. wrote me a prescription for 2 medications that I've been getting for like over 5 years. They stop covering so my doctor called himself. We all on a 3 way call. He said "I would like you all to resume this med cause this is the only thing she can take due to her other medical conditions and this have been my patient for over 10 years." They're like "we can't do that." 1st the computers were down then they needed to fax something which the Dr. himself told them "I've been waiting since Monday for this fax." Mind you it's Thursday now.

My son has severe Plantar Fasciitis and flat feet. Cigna policy states that they do not pay anything for Orthotics. He also needs glasses. They also do not help with that either. My son eyes are a negative 10 but this company is a company does not care about the customer. If you insurance just to say I have insurance this is the company.

I am displeased with the service. I am getting no help at all. I have to chase down Doctor to get forms filled out. I have to chase down your employer to get a hold of her. Leave message after message after message with no response and when I do get a response I get nothing but attitudes trying to get things done. Are you with your employers and their attitudes.

I had good experience in past however my current claim was rejected saying that prescription is not provided. This person does not know that international United Kingdom claims does not have prescription to provide. In UK, GP provider gives the prescription which is been handed over to pharmacy. Pharmacy keeps the prescription with them and gives us the bill which is used to claim in Cigna. They are behind me to get the one more prescription from doctor/GP. It's so difficult to GP appointment here for illness and they want me to get his time for same prescription. It's ridiculous.

I am a 57 y/o male going to have knee replacements. The doctor ordered an MRI to make joint specific replacements for my knee. The facility going to do the MRI trying to get authorization was stalled by the 3rd party carrier for Cigna. Through the the MF office the 3rd party insurance facility rejected the authorization. They tried to have the MD change to code for the authorization to a needle guided procedure. This was the MD at the 3rd party carrier. My MD just wanted an MRI to have the replacements made. These insurance carriers have incompetent MD making decisions about personal health. No wonder health care is so much of a disaster.

In Nov. 2014 we went on Cobra. No one told me verbally or in writing that because I was on disability I needed to go on Medicare B. Now Cigna is auditing my account for the past 7 months with the intent of justifying recouping all past paid claims.

On March 12, 2015, I had dental procedures performed. A dental claim was filed by the dentist on that date. Prior to the procedure, a predetermination was submitted to Cigna with all information regarding past procedures relating to the current procedures, such as previous extractions and previous appliances and all information regarding current procedures. The predetermination was approved and I was sent a copy showing what Cigna would pay for each procedure. Since March 12, 2015, Cigna has on more than one occasion contacted the dentist for more information (which he had already sent them, but he provided it again).

I have an unmet deductible on my Cigna medical insurance and I need new headgear and mask for my cpap. Cigna directs me to Carecentrix. I call them and get prices which are more than 30% higher than what I can buy the identical equipment for online. I ask Cigna that since it is MY MONEY. If I can buy the dme from someone else and submit the receipt to them to count as count against my deductible because we are all wanting to bend the cost curve of medicine down in this country, right? Of course, the answer is "no", the game is rigged, and there is probably some way that Cigna makes money inflating the prices. This is just wrong.

Never in my 40 years of carrying insurance with multiple different companies have I ever experienced a $3000 yearly co-pay. Because I consider myself a healthy adult I have no reason to carry insurance with such a high co-pay. Might as well just go to the doctor and pay for everything myself. My pharmacy told me it would cost me $68 for 16 cholesterol pills which used to cost me seven dollars. I pay $150 a week to carry this wonderful insurance. I was told if purchased the cheaper Cigna policy my co-pay would be $6000 per year. This is the most ridiculous insurance coverage I have ever seen. Reading reviews on the web I am not the only person that feels this way. I spend $7800 a year to carry this great insurance policy that I have to pay $3000 out-of-pocket upfront. Doesn't make sense, quite costly if you ask me. Time to for other options.

A Cigna rep actually read my post and helped tremendously. It is finally resolved. Glad it is over.

Every "best" doctor or specialist I need to see are not in their network. It appears all in their network are unqualified that I wouldn't take my pet to. Please beware... If you are on medicare do not... I repeat do not choose Cigna Healthspring. I hope I survive to open enrollment so I can tell them to go shove it. What I have said here is exactly what I said to a representative at Cigna. I told them before I get out from under them I hope I don't go blind or have heart problems. Do they care? NO.

Had a major medical illness and continued getting billed from providers and CIGNA's claims site is more complicated to understand or figure out than my college quantum physics class were. I used In-Network for services and it's barely if any cheaper than In-Network. I have paid more in deductibles in one year with CIGNA than I did with Kaiser and Blue Cross in a 15 year span.

My husband has several physical problems. Really severe problems, he has worked for 22 years at the same factory and paid in Cigna long term insurance. He has dealt with his problems and has done the best he can, he has had to take short term leaves due to his problems. Finally his primary care doctor told him he needs to think about quitting. My husband had brain surgery in 2005 (chiari malformation) this caused severe headaches and we were averaging two to three times a month in the ER so they could knock him out. He had the surgery in 2005 which has helped but recently the headaches have returned. He also has mastoiditis in his head (which we found out can kill you). He has tremors in his hands, and memory loss due to all the stuff going on in his head. On top of that he has hip and lower back pain and his legs go numb.

I was denied for short-term disability when my doctor took me out of work because of complications from the flu. I had an abnormal ekg with chest pain, dizziness and thought I was going to pass out. They did find a premature ventricular complex but the cardiologist could not find any other explanation for the anomalies and the way I was feeling so he referred me back to my g.p. that is why I was denied. They said all the testing came back normal. There was no medical evidence they said for me being taken out of work. I have fibromyalgia so anything, the flu, etc. can cause an exacerbation of my condition. I spent 3 days over the last week flat on my back with severe pain, had to go to the e.r. to get a shot of morphine.

Long story short, in 2012 I was diagnosed with a chronic pain condition and nerve condition that impacted me physically, cognitively, and emotionally. I was unable to work; unable to feel my hands let alone type. Ultimately I was on bed rest for 2 months and my Doctor wrote multiple letters explaining my conditions and the severe onset and emotional distress this was all causing but my Short Term Disability claim was denied. Appealed it, denied again. Tried to find a lawyer to help me but no one would take on my $4000 case, and I had no money from all the medical debt so I could not pursue.