Cigna Health Insurance Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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