Cigna Health Insurance Reviews

They sure do have a lot of ** working for them. Rather than getting frustrated over the whole thing, I've decided that I'm better off to not take them so seriously, though I think that they might be intentionally trying to waste my time. At least I'm still getting the paper statements sent to me... that I usually don't even open. Those go straight into the trash. As soon as they make an attempt to pull their heads out of their @sses, I figure I'll go to electronic statements... until then, I guess that they can keep wasting their resources on hard copies since I waste so much of my time double checking their work. PS... their website isn't very good either.

After returning home, I received a letter signed from Dr. ** stating that my admission was "medically unnecessary". I called Care Allies/Cigna for an explanation and I was told by their representative that "Dr. ** felt that I could have been treated on an "outpatient basis". I advised the representative that I went to my physician prior to being "taken" by ambulance to the hospital. The representative advised that I should have my physician send a report to Care Allies/Cigna. My physician sent the report April 2015, I then received a letter from the medical director, **, DO upholding Dr. **'s position from March 2015.

I am currently on my second appeal to get my medical bills paid (I pay more than 3,000.00) in premiums to have health coverage. No one from Care Allies/Cigna has examined me, or done what any other health professionals would do and that is pick up the phone to talk to my physician or the hospital for that matter. All proactive communication has been initiated by my physician or myself. The "peer to peer" staff at Care Allies/Cigna is there to "hold your hand." What good is that when these peers aren't reaching into their pockets to help pay these medical bills? I need about $80,000 to pay my medical expenses and I'm waiting for the "peers" to divvy up their share.

I have talked to several co-workers and they are receiving the same response from Care Allies/Cigna "not medically necessary". As an asthmatic I want to know what is "medically necessary", I guess being on a Bipap machine isn't "medically necessary", I have to wait until I'm incubated for it to be deemed "medically necessary". If I take the lead of Care Allies/D. **, I need to file malpractice charges against the entities that actually examined me, my physician, EMT, the ER physicians and the hospital that treated me because the services they provided were "medically "unnecessary"! Come on, give me a break, I smell a Care Allies/Cigna/Dr. ** lawsuit.

When I called Cigna, even the supervisor would not help me. First she told me that drug price had probably gone up in one day. Then she said I misunderstood what I was told. I told her to go replay the taped conversation of original quote. She refused. She finally admitted customer service rep misread the computer screen and gave me bad info. Not $116.32. I am stuck paying $582.90 for the next 6 months until 12/31/15 when you try to find a new and better drug company. This is how Cigna handles complaints. She told me a quote means nothing and that they do not stand behind a quote. Great customer service.

DME - sleep apnea supplies: I have sleep apnea and have been using a CPAP for 10 years. I have been working since February (it is now June) to get a new mask. Should be no out of pocket expenses. I have a prescription from my sleep doc. Still I can't get CareCentrix to give me the name of an approved DME supplier. I have tried eight documented times.

Approvals for procedures: One day in April, I went into my oncology clinic for chemo infusion. My doc was concerned about a possible problem with my lungs. He wanted me to get a CT scan before giving my the chemo that day. It took 3 days for Cigna to approve the scan in advance. Waiting for Cigna set my chemo treatments back a whole week. My doc wasn't happy, I wasn't happy. Before you decide on a group or individual policy with Cigna, I urge you to think twice. Read the complaints here. I have experienced many more issues that are reflected in other complaints.

They will only approve a power chair with one option and will not elevate my legs to a degree that is medically necessary. I cannot exert myself or lift or push with my low oxygen and heart. Nothing matters to these people. If you do not fit in their box as a certain diagnoses they will not give you the quality medical item you need according to 5 specialists. I went through the same thing getting medications approved 5 tries on several of them. They have made me more stressed and ill just dealing with them. We used to have first choice and I had NO problems ever with anything being approved. The care ally’s help compared to first choice advocates in the worst. I so hate this insurance company.

I live in Lansing Illinois which is located in Cook County. I went through your obstetrics section and scheduled appointments only to be turned away when I arrived at the doctor's offices, some were nice enough to call me prior to my appointments and inform me that they did not accept Cigna-HealthSpring although I clearly had gotten their numbers from your directory. The last of your so-called affiliated physicians, **, allowed me to drive 45 minutes out of my way to tell me they don't accept any of my insurances and an appointment would be $500, out-of-pocket if I saw him that day. I did not have the money and had no choice but to leave. I ended up in the emergency room who referred me to a Small clinic which is where I learned that my baby's heart had stopped beating at 9 weeks.

I was 3 months pregnant, and visiting the clinic for a pre-natal check up and routine ultrasound. Cigna's negligence didn't allow me to see an obstetrician and my baby died, in me, and remained inside of me for 3 additional weeks. I was ordered to the emergency room STAT, by the clinic's Nurse practitioner. They admitted me, kept me overnight and scheduled surgery for the following morning in order to remove my unborn child and dissect him like a specimen. It has been a week since this all occurred and I just received a bill from the hospital for $8,062.64. If I had a health insurance company that maintained better records of in-network physicians my child would be alive and my fiance and I would still be preparing for our child's arrival, but I had Cigna and it took me months to find a doctor because you don't care enough to know who your doctors are! I will be sharing this information, Thanks!

Is this a scam or what. I have had sooooo much crab from Cigna. Not sure who and how they ever do business. At the end of all this I end up paying myself and kept paying my insurance every pay period. Insurance is Just in case things happen you are cover. I tell this now. I need an insurance that covers when my insurance don't pay. See the Joke is on me every time --- Pay insurance principal and pay service providers... Cigna Now equals to nothing to me… Maybe this won't matter but for anyone reads this and cares I DON’T DON’T DON’T advice to go with Cigna.

Original Review: June 1, 2015

My husband recently had dental work that involved root canal, tooth extraction, x-rays, bone replacement graft, crown placement and impressions. All this treatment was done at a participating Endodontial Practice 2 hours from our home because it was the closest Cigna provider. Inconvenient. Treatment began on November 26,2014. Cigna claim was submitted by treating dental office on this date. On January 21, 2015 dental office called Cigna regarding outstanding claim. Dental office was told claim was "under review", but Cigna needed additional information. Dental office sent additional information as directed.

On February 11, 2015 Dental office called Cigna again for current status of claim. Was told Cigna needed other additional information to process claim. Dental office sent requested info to Cigna. Dental office told claim would take 30-45 business day to process. On March 5, 2015 Dental office received a request from Cigna for information that had been sent to Cigna prior. Dental office called Cigna and spoke to ins. rep. who verified they (Cigna) had all the information they needed and claim was being processed, which would take 30-45 business days.

On March 16, 2015 Dental office received another request for other additional information, which had already been sent to Cigna. Dental office told claim being processed, will take 30-45 business days. On April 14, 2015 Dental office received another request for more info. from Cigna. On May 13, 2015 Dental office received denial from Cigna. Dental office closed claim (over 90 day expectation) and sent bill to me for full amount due.

Meanwhile I had received notices from Cigna stating that dental procedure claim was being processed, that there were no problems noted. Until mid-May when I received Explanation of Benefits for the claim processed on May 5, 2015 stating that claim was denied due to lack of information. I called Cigna customer service on May 18, 2015 - Cigna representative acknowledged receipt of all needed information on claim and stated she would "escalate the issue" which should take 2 business days and check should be received at dental office in 7-10 business day.

On May 21, 2015 called Cigna to verify process was moving along. Was told to call next week for update. On June 1, 2015 called Cigna for update. Was told claim not processed, appears not all information available. I asked to speak to a Supervisor. Supervisor reviewed Cigna notes and acknowledged that all information was present. Supervisor stated that she would "expedite" the claim with documentation numbers for each procedure. She stated that this "expedited" process should take no longer than 10 business days and she has offered to call me with update if claim is done prior to the 10 business day mark. I will call Cigna, again, if I do not hear from them by June 15th, 2015. I am annoyed and frustrated. # 1 Nearest Cigna Provider for services needed 2 hours away. # 2 Claim process crazy bad. Cigna customer service personnel very polite.

I admitted to them that I was a foreign student in the university. So what? They are a BIG company and did not care the concern from a powerless person like me. They are so arrogant. To be honest, I felt hurt and I felt that I was discriminated. I felt as sick as eating flies. If they responded politely, I will not post my horrible experience in the website. They just did not want to spend time helping customers.

My ortho or endo office co pay is $80 when the cash price is $75. I need a CT scan $300 co pay after I reach my $3000 out of pocket. Cash price $240. Why am I paying $900 a month premium for insurance I can't even use? So that when I call I can spend an hour and 4 calls being verbally battered by Cigna reps? I would rather drop my insurance and just pay cash. Having nothing is better than having Cigna.

They keep you on hold for 20 minutes checking back only to see if you are there and then back on hold and come back eventually and say you have the wrong number and hang up. My employer has tried to help me and I have recently sent a letter from my attorney. I pay a very high medical premium and they control it and will not be honest and just keep the run around. They are forcing me into total knee replacement instead of the injection that has worked on my left knee for 6 months. Cannot wait to be rid of them...

Well I went to the doctor, he sent prescriptions into Cigna and I waited 24 hours, checked the website... NO PRESCRIPTIONS SHOWED. I waited another 24 hours, still nothing showed. I had to call them AGAIN and I was told they had the scripts and they would process immediately. Next day I checked the website and yes all 3 are showing. Two days later I get a form letter in the mail from Cigna telling me they cannot process until I give them my credit card information... WHAT? ARE YOU KIDDING ME? I called the 800 number again and was told they did have my scripts but the order was somehow cancelled. They apologized and said they would process again waited.

When I called back, now I am told that the pharmacist has a question about allergy and they put me through to the pharmacist. Then they ship the 2 prescriptions that I did not need immediately and I had to wait another day before I got the one I needed. Very unpleasant experience. Then I get a cold, get a prescription from the doctor which I would fill locally at my Walgreens. When I go to pick it up, I am told the medication is not covered on my plan. WHAT? This is not some rare cancer drug or something experimental or even something that expensive. It cost me $27.99 but the point is, Cigna would not cover it. Why do I pay monthly premiums if you will not cover my drugs when needed.

Then I call again and I am told I can file for an exception which I do, no response. I am told to fax them the receipt for the drug I paid for which I did, no response. I had to call them again and was told sorry your doctor did not get back to them. If my doctor did not want me to have the medication, why would he have prescribed it... obviously he wanted me to have it. I am so disgusted with them and unfortunately stuck until next year with open enrollment. BEWARE, DO NOT SIGN UP FOR THIS DRUG COVERAGE BECAUSE THEIR CUSTOMER SERVICE STINKS AND THEY WON'T COVER THE DRUGS YOU NEED.

I asked for a physical address and a supervisor so I may certify mail it with signature, I was told they cannot do that. I have emailed it, only for them to say the picture was not attached. I have called and left a voicemail so I might can fax or email it directly to them, no callback. Having Cigna is like NOT having insurance. I was told last year because they typo-ed my son's birth year I could pick up his asthma medicine, but they would not cover as his birthdate was wrong!

They had me giving birth to him at age 3. They pick and choose what they will pay. I have used the same doctors for over 10 years now, and they are squeamish when I mentioned my company switched to Cigna. Lots of providers here do not like taking them. I cannot even begin to rant over the past right now I just want someone to contact me and send me written confirmation that they have everything they require to pay my claim on a preauthorized surgery.

Oh and they post your medical claims based on when they get around to entering them, not based on SERVICE DATE. I asked for a copy of their posting policy in writing they refused, and told me all I would ever get is word of mouth. If you ask for a call transcript you are required to have a legal subpoena. I have an anesthesia bill, I paid, and a rep even asked me if my son got anesthesia the day before his surgery or if he got it at all... WOW.

Let me break down the math for you. I pay approx 1000 a month for the insurance. Cigna negotiates discounts and pays nothing until deductible is met, deductible is 5000. I met deductible and got not one but 4 medical bills after the fact because they entered the medical bills faster than the procedure bill that would have met deductible. So according to my math I pay 17,000 a year for Cigna to deny a claim! This is a minimum wage income! No wonder people can't get ahead. So not only have I met deductible, I have exceeded it. I wouldn't even give this rating a star, but it made me. Stay away from them.I have used several other insurers, and this is the absolute worst I have ever had!

Original Review: April 28, 2015

I have Cigna Dental through my employer. I had dental work done last year (2014). My cost was over 2100.00 dollars. Reviewing my policy, Cigna Dental would pay 50%. So, after deductible, my cost would be 1300.00 dollars. Here it is a year later and I started receiving mail from my dentist. I thought they were trying to get me to come in for an appointment. I threw them away. Yesterday, I come home and there's more along with two envelopes from Cigna Dental. Opening them, I found they were denying my dentists the 50% that my paperwork said they would pay. I've talked to my HR at work and if she can't get it straightened out, I'll be seeking an attorney.

In November 2014, I received my annual premium increase letter from Cigna telling me that my monthly premium would be increasing by $53.00 per month and effective January 2015, my new monthly premium would be $380.00 per month. So, no issue there, I figure come January 2015, they'll automatically withdrawal $380.00 from the bank account (which is what they do every month and have since I've enrolled with them). So imagine my surprise when I see that instead of withdrawing the correct premium of $380.00, they've withdrawn $500.00. I immediately thought that this must have been some kind of glitch or mistake on their part and gave them a call. The woman who I spoke with in billing told me that my monthly premium was $500.00, so this amount was correct.

I told her that she was incorrect and that my monthly premium should have been $380.00 and that I have my premium increase letter from November 2014 sitting smack in front of me. So she put me on hold about a dozen more times going back and forth between me and another department in Cigna and said she sees the letter in their system and sees that the premium should have been $380.00 and not $500.00. She assured me that the other department (who apparently makes these corrections and changes) would have this corrected and updated in 48-72 hours and that the $120.00 extra that they withdrew would be credited on my next months premium, meaning I should only be paying $260.00 for the month of February. I thanked her for her help and figured that it was a mistake on their part and come February things should all be corrected.

Wrong. February rolls around and guess what, Cigna didn't credit my account or fix the premium! $500.00 again! So, I have to call them again. The woman that I spoke with also said that she saw the premium increase letter and sees that my premium should be $380.00 and not $500.00 and that she understands why I'm frustrated and assured me that this would be resolved before the next months premium rolled around, and that Cigna would now be crediting me $240.00 making my March premium $140.00.

So, March rolls around and this time I see that they withdrew $380.00. Yes, this is the correct monthly premium amount but they forgot my $240.00 credit that they owe me. At least I'm thinking we are on the right track now at least. So, another phone call and I'm told that the $240.00 credit should appear on Aprils premium. I'm thinking ok, they finally charged me for the right premium amount so that means they'll probably get those credits all straightened out for me come April. Wrong, again! April rolls around and I see that they did not credit me what they owed me or did they charge me for the correct premium because they charged me $500.00 again. And when I look at their automatic scheduled payments, they say that I owe $500.00 come May.

This is an absolute joke and is fraud as far as I'm concerned. Every time I call, every person I speak to tells me that my premium is $500.00 a month. I correct them and tell them about the letter and that I've called them every month now since January about this and then whoever I am speaking with says, "Oh, you're right, I see in the notes that it is supposed to be $380.00 a month and that Cigna owes you $240.00 which will be credited to your next premium." Well, that's a load of ** because Cigna keeps telling me this stuff, yet they never correct it. So here I am again, needing to make yet another phone call to Cigna and their team that seems to be compiled of only incompetents. I understand mistakes happen, so the first time I figured it was just a mistake and figured it would be taken care of after I called. But now months later of getting Cigna's joke of a line that it will all be fixed next month, I've had enough.

So, since they cannot get it right and when I call again to remind them about my correct premium and my credits that I am owed, I am going to tell them that I want to see my correct premium amount reflected online for the payment due for May as well as the credits. Because if they cannot get that corrected before the May payment date, I will be calling my states Division of Insurance to report them for insurance fraud as well as disputing the payment amount with the bank. For anyone looking for an insurance provider... STAY AS FAR AWAY FROM CIGNA AS YOU CAN!

My first payment took 5 weeks from me opening my claim and the check came with a note saying this was my final payment even though my MD had not return me back to work. The specialist advised me on a Monday my check would be mail out and I continue to view the web-site during that week and saw no payment enter that I called her on a Friday and she enter it in that day. She stated because it was a paper check that was why it was not enter in on Monday. I had to wait extra days to receive my payment because she basically did not tell the truth on when she was going to mail my check.

I contacted my claims specialist today to see if their medical department finished reviewing the last MD notes for I will be returning back to work tonight and now she has advice me that my case is closed as of 4/26/15. So I will call her back at 1pm to see when the last check will be mailed out because she was not even kind enough to tell me when she was going to enter it into the system. I don't want to rate the whole company as bad but all it takes is one unprofessional worker to make the organization look bad. So if anyone has to work with ** please be advise that you will have to call her often to make sure she does her job.

They should not have encash check Number ** I sent, because for the transaction I sent check had already been cancelled. I had to pay $325 again to Hospital and Cigna received $325 from a check and $325 from Hospital against cancelled transaction. In January I talk with Cigna associate, she told to me that “we have deposited $325 on 10th November to your account.” I asked her, “How can it possible? I sent check by courier on 10th of November and you credited back to me on the same day, it’s impossible.” I have not seen any credit from Cigna and asked Associate to “cancel the transaction if you have credited to someone else’s account.” I have been following up on this since November 2014. Every time I talked with associate I got the same answer: “we are working on this, I could not see any recent update on this, I am sending an email to the person who is currently working on your case.”

Original Review: April 20, 2015

In March 2014 I had to get a procedure done while covered under CIGNA health insurance. I went about choosing a doctor who was in my network which forced me to turn down the doctor that my GP suggested. After the procedure I paid the co-pay, which ended up being $500, and was convinced CIGNA covered the rest. This was not the case. The crooks at CIGNA denied paying for my Anesthesia Service claiming that the Anesthesiologist was out-of my network. While that may have been the case, I never chose the anesthesiologist myself. This was done by my doctor entirely.

The Anesthesiologist's office filed an appeal on my behalf with CIGNA for the claim which the company denied. Subsequently I was presented with a bill for $1,710. I appealed directly with CIGNA and this is where the case gets even more frustrating. The representative who I spoke with, **, told me that he will make an appeal for me and will know the answer within 72 hours and call me back. Throughout the next month I had to make several calls to CIGNA and speak to incompetent people about this issue. Several times I obtained answers that someone will look into it and call me back. After about a month I received two different answers as to why CIGNA will not cover the charges. First I was told that my appeal was made too late and then I was told that because the procedure was done in the doctor’s office and not in hospital they can't help me.

The supervisor I spoke with kept saying "this is not our policy" and "we tried filing with the review committee but they denied it"... Making it sound as if she was on my side and the review committee, who is made up of CIGNA employees, is an external body. This has been the worst customer service experience in my life, not to mention that the criminals at CIGNA stole from me. I am not forced to pay the $1710 myself or allow it to go to a collector which will ruin my credit. If you have a choice, never get CIGNA health insurance!

Finally after I got bleeding ulcer and was unable to continue my treatment with steroid shots and by mouth and Physical therapy was not working for me the orthopedic surgeon put in for it. They approved it. They found I need surgery due to what they found. It was either that or I stay in pain. Cigna waited until the Friday before my surgery around 2:30 pm to let my doctor know that they denied my surgery. So after all that I am now unable to have my surgery done and after talking to Cigna I am told my only recourse options is an appeal. Which could take months and I only have 4 months of Short Term disability left. They don't care about their customer only the bottom line. So they keep my money and I get to keep being in pain. Don't use Cigna.

My life will be dramatically changed for the worse and they have no alternatives to give me.... I have contacted the Senator's Office in MN and in Washington DC. If I was elderly and didn't have my wits about me I would have been dead by now. This is a terrible company. I regret EVER signing up with these people who deceived me and have left me a crying mess and a financial BURDEN to my cancer-stricken husband. There HAS to be a way we can all come together and file a Class Action Law Suit against these deceptive people who only want our money and don't care about our health and well-being.

In early 2014 my Father passed away so her SS increased to his amount which was $500 more a month than hers, so they Medicaid said she didn't qualify for the extra help any longer. They started back taking out her Medicare premiums. So this year she receives a Bill from Cigna for $54.00 or to dis-enroll. So we filled it out to tell them she didn't want it. She receives another invoice telling her she must pay or be turned over to collections. I called them today and told them she did not enroll in the first place, she didn't need it and she couldn't afford it.

The guy I'm talking with tells me he understands what I am saying but the $54.00 is for Jan & Feb premium and since she did not dis-enroll until Feb. 28, 2015, she owed it. I proceeded to tell him again she didn't ask for it, didn't use it. I also asked him how she was enrolled in the first place. He says Medicare probably auto enrolled her. Really, they do that without her signature. If so why not auto dis-enroll her as well. I told him she had other coverage for prescriptions. Then he says well that is why they dis-enrolled her.

What? First he says she dis-enrolled 2/28/15 then he says they dis-enrolled her. Which is it? He then told me she could go to her local SS office and re-apply for extra assistance and if approved it would backdate to the first of the year. Am I missing something, it was my understanding you had to apply through your State office for that. Which they turned her down for last year. I told him I would be filing a complaint with the Insurance Commissioner of the State of Georgia. He said "I understand you, do what you have to." I will be sending them a letter tomorrow. This is a terrible thing to do to our senior citizens. The money is not the issue in this case even though she cannot afford it, we could. However it is the principle of harassing an 81 year old for something she does not owe.

I attended the exam but the physician I saw knew nothing about me and was not familiar with my disease. He didn't explain the testing I would be receiving. While the physician placed me in another room with another one of his employees that read some tests to me and then she made reading mistakes. They would not allow my caregiver to stay with me and placed her in a room by herself. My caregiver was solicited to purchase a massage or yoga class. I saw told by Cigna the appointment would take an hour...I was there for over 3 hours. This IME was stressful and has made my condition worsen. I have made an appointment with my MS neurologist due to the stress and my worsening symptoms. Is there help for disabled patients not to be subjected to this harassment and symptom decline?? Thanks for this site because I have no help.

You tell me how a nurse makes a decision by phone behind a desk and not complying by doctor's orders???????? BAD BUSINESS. CIGNA-HEALTHSPRING AND MYNEXUS SHOULD BE SHUT DOWN!!! I am seeking legal counsel. Elderly people need all the help they can get because of people like these!!!!!!!! IT IS ABOUT HEALTH CARE NOT MONEY

So I took out a loan to purchase, figuring when the insurance claim went through I would pay it off. Unfortunately, that was - - IS not the case. It was denied in Dental... Never showed up as a "medical claim" so I contacted Cigna. I was told it doesn't automatically go, that "I had to submit" it to Medical. So I faxed 50+ pages with "ALL" the sleep studies - doctors notes, etc.. It was DENIED.. Because the CODE for the ORAL APPLIANCE is a "Dental Code" Not a "Medical Code" Thus started my weekly calling to Cigna, to find out how to correct this. February 2015 (10 months later) they finally told me if my "MEDICAL Doctor" resubmits the "Prescription to be fitted for Oral Appliance with the correct medical Code Number E0486", They will Accept and pay. He did this February 27.

Today March 16th I called to see what that status was. I was told it is still processing but "looks as those it will ALL be applied to your Out of Network Deductible" BECAUSE the Dentist ISN'T IN NETWORK with MEDICAL... ONLY DENTAL!!! I talked to a Supervisor who said.. "you can appeal it". If you have a CHOICE --- DON'T CHOOSE CIGNA = COMPANY INCOMPETENCY GIVES NOTHING but AGGRAVATION!!

I contacted Cigna's executive office of consumer advocacy. I spoke with a **. A very pleasant lady who indicated she was committed to help me. She was able to get a few things handled, however, even she experienced blockages from various departments. Her management team decided to credit me funds for "all your troubles". Each time I was told the money was put into my checking account, it was NEVER there. After two weeks Ms. ** couldn't believe even she had been misled by her own people. She admitted she was greatly surprised by the cultural behavior of the company even dealing with the executive offices. The problem now, weeks later, is starting to get resolved, but I will have a hard time EVER believing anything Cigna tells me again.

If changing health care companies was easier I would do it in a heartbeat. I believe, based on my experience, this company has some VERY serious internal anti-consumer unspoken policies, rampant incompetence and general disinterest for its customer base. My intent is to warn others about this company and this notable concern.

Subsequently, they never filled the refill... because I live an hour away from this particular Walmart and didn't realize I was negotiating a trade treaty with a foreign country. So, in abject frustration, I attempted to move the authorization which took a week, (after attempting to just fill the prescription at a different Walmart), and found out that Walmart pharmacy doesn't share information with other Walmart pharmacies (and let me tell you, these people aren't the brightest pennies in the box).

So, had to start all over, with all of the dates of the prescriptions improperly entered by a Walmart employee, so late fills of prescriptions due to denials based on false dates by Cigna. In short, I do not understand why we harass sick and disabled people with crap like this, with companies that are not vetted by Medicare, and show up on a website somewhere as participating, authentic, and viable entities, when they are actually fly by night organizations with red tape that makes the IRS look like Little Red Riding Hood. No fill of prescriptions to prevent severe tachycardia, heart palpitations, and chronic fainting. Somebody is going to be picking me up off the ground somewhere.

Cigna refuses to pay for the medication my board certified GYN prescribes for me because - Cigna claims it is not safe for patients over 64. Well, this is Medicare Part D. All of the subscribers are over 64, so why include this medication in the formulary with no warning that they in fact won't pay for it. Cigna rejected the form submitted by my doctor that the medication was required and suggested other medications I should try. They have no knowledge of my history, they are just refusing to pay for medication they showed would be available at a low price. Of course, they are still collecting premiums, but I get nothing in return.

This company is a ripoff. They raised my monthly premium within 30 days of my signing up and immediately turned, denied me my prescription. They would rather I inject cheap morphine, turn into a junkie and quit being able to be a productive member of society. And, naturally, they called to tell me that my script request is denied on a day/time when their pharmaceutical and other offices were closed (I have no choice but to refill at full price - $465/mo. or go into withdrawals). The woman on the phone explained that her singular job was to call and advise insureds of their denial and she could not answer any other questions (but referred me to two telephone numbers of offices which were closed).

Okay, since I do work a full time job I made arrangements for a family member to stay at my home during the time that I was at work. They waited and waited... No package. I called them after the delivery times had passed for my area and was then told that order that was to be there the next day was shipped. LIE. They provided a tracking number which I then proceeded to try to track and could not so I called the shipping company. The number that was given to me was not an active number in their system. Called Cigna back. Was then told that the number was assigned but that it would not go out till now Monday. Okay.

Made arrangements again with a family member to stay. No package. Called again and was told that it still had not left that it was waiting in a distribution room awaiting pick up from the shipping company since the previous Wednesday. I told them that I then did not want it because one of the medications was insulin and it had to be kept refrigerated. That it was going to be no good. They then changed their story to "Oh, we still have. It's going out today." After speaking with another supervisor was assured again it was going out.

Well it finally did. Got the meds, one of the rx's dosage amount was wrong. I have since spent the last month and half trying to get it fixed. They finally get it fixed and wanted to charge me almost $1000 for the same med I can get locally for a fraction of the price. Got so frustrated and upset with them I cancelled all orders with them and just going to get them locally or go without since they can't fix a quantity in their system and only give me the runaround about getting pricing and the medications.

Yeah a common dosage amount of insulin is "exceeds the plan benefit amounts and requires authorization from the doctor for medical necessity". I mailed in a paper rx form and they still would not accept that without calling the doctor's office and then this B.S. and every time that you call them "Oh it will be 20 business days, 5 business days... I don't know when you will get a call back"... Their service is unacceptable. Funny how my local pharmacy can process the same info in 20 minutes that it takes Cigna days to do. They needs to be put out of business and licenses removed.

Now the worst part is that it has to be an expedited request because I had no more medication at this point and I was getting very ILL from not having it. So I contacted Cigna the next day which was a Wednesday. After holding yet again for over 30 minutes I was told they DID receive the fax and told me to contact their pharmacy help desk directly to check the status. When you call the direct number to pharmacy services there is no option to speak to anyone, you are forced to leave a message, and it says that they will get back to you within 24 hours. Now it's already been 3 days that this nightmare began. At this point I am beyond sick.

So I finally get a call late on Wednesday that my authorization went through and I felt relieved until they told me that it was approved for a quantity of 60. My reaction has always been a quantity of 90 so once again I called the pharmacy help desk and got their answering machine that says they'll get back to me in 24 hours. It is now Thursday, I call customer service again. I tell them my story and how I got an authorization for 60 and not 90. I asked them what to do, I tell them that I am so sick at this point from not having my medication that I can barely explain my situation. After getting disconnected twice and having to keep calling customer service and explaining my story to 3 more customer service reps, they put me on hold for another 30 minutes and tell me to go get the 60 from the pharmacy and ILL need 2 more authorizations to get the remainder 30.

I go to the pharmacy and pick up the 60 and I have called Cigna's pharmacy help desk and left 3 more messages practically begging them to call me back and help me. I needed to know how to get the remainder 30 pills because a quantity of 60 is only a 20 day supply for me. I have not received any call backs. I literally begged them and cried to have anyone call me back and tell me what needs to be done at this point. I got nothing, no one.

I am so upset at this point I do not know what to do. My nerves are so bad now that I don't have the strength to call customer service and keep going over my story and they tell me to call the pharmacy help desk and I tell them I left 3 very emergent messages and I haven't got any call backs. So here it is Saturday, 6 days I've been trying to resolve this and the only good thing is that I got a partial Rx so I'M not sick from that anymore, however I still have to get 30 more pills and what is going to happen next month.

Like I said in the beginning, I've never had anything bad happen to me as far as Cigna was concerned. Now I feel helpless and scared. This is my health that is being affected by this. Not to mention no one at all has called me after 3 messages that I told them it was an emergent matter and this is supposed to be expedited according to my doctor. Oh yea, I was told by the pharmacy that I could pay cash and get the Rx in full, however it cost 1100.00. I wish someone from Cigna could please help me. I'M completely at their mercy and what am I supposed to do, leave a fourth emergent message begging someone from the pharmacy help desk to call me. The first 3 messages got me nowhere. What can I do????? I'M so sick over this whole situation, and its not even resolved yet.

I am beginning to have panic attacks. If it doesn't get approved, I will get very sick and discontinuing this medication leads to deaths, so there is a high probability that I will die. I have been taking these medications for 10 years and the price has gone up which is all they care about....usually I get the approval once my doctor speaks to a medical professional, but Cigna won't allow it. They probably don't even have a qualified doctor making these decisions. I had better healthcare when I was on Welfare! If ANYONE CAN HELP...please, IN 10 days, I could be in the obituary column. This is NO WAY TO LIVE worrying that I could die and my children would have to leave the state and move with their father. Now my son can't concentrate in school. I can't focus on anything. What do I do? Is this how our country works now? Some kid in billing is deciding our fate.

Then they told me I had to visit a neurological psychiatrist to determine if the pain was all in my head and to make sure that I wouldn't try and hurt myself after the surgery were complete if they ever allowed me to have it. SERIOUSLY, you have numerous x-rays, MRIs and CT scans showing you that this is not pain that is made up. Anyway I did as they requested and saw the shrink, he couldn't believe I was required to see him and said he was sending his report to Cigna telling them to approve the surgery as this is not psychological pain.

I had another nerve test back in November of 2014 that showed Cigna that I have severe nerve and muscle damage from this problem in my lower back. Two weeks ago I was sent in for ANOTHER MRI and it came back that in the 7 months since my last MRI, my condition has gotten drastically worse and the major nerve running to my left leg is completely obliterated. I have no feeling in my legs, I have severe loss of strength in my legs. I am able to spend approximately 10 minutes on my feet at any given time without my pain becoming so much that I can not deal with it and I want to do nothing but cry. When my neurosurgeon requested my surgery just last week, Cigna denied it AGAIN, this time stating that I hadn't tried enough pain meds. ARE YOU SERIOUS, I am trying to avoid being on pain meds for the rest of my life and I really do NOT want to get addicted to any of them and have to go through detox/withdraws.

This is one of the worst health insurance companies when it comes to actually paying out on our health care. They are quick to collect the money from us, but God forbid you get sick and need to use those benefits. I have contacted several attorneys and am waiting to hear from one that is willing to take these scumbags to court in my defense. I have two children and a husband who depend on me to be able to help take care of the home, how am I supposed to do that when I am looking at a lifetime in a wheelchair because I can't walk due to having no strength to move my legs. Isn't it bad enough that I can not feel anything in my legs???

This company needs to pay for everything they put us through and for the way they treat their customers. I have jumped through every hoop they've asked me to jump through, now I'm asking them to do the right thing for once... ALLOW MY SURGERY TO BE APPROVED!!! I want to be able to continue walking, at 40 years old should I have to worry about that, I don't think so... but evidently Cigna couldn't careless about my health or my family's well-being.

My doctor has even wrote them a letter stating that it is medically necessary that I take this medication and could potentially lead to a life are death situation. Well they still refused to cover it. It just not make sense to me how someone that has never met me and does not know one thing about my life could deny something they have paid for over 4 years. It just goes to show me that they do not care about my health and all they are concerned about is money.

CIGNA also refuses to communicate. I found out that CIGNA has been lying to the American public. They only do self-insured companies that want them as a third party administrator. They just process claims. They do not pay out anything. It is the employer that pays. However, CIGNA likes to say they pay the claim. They lie. Apparently, the only oversight that happens is between the HR person at the place of employment (benefits director) and the contract consultant at CIGNA. All other communication CIGNA ignores even if they tell you otherwise. They have to go. They are a pathetic excuse for a health care insurance company, among other things!!!

I dutifully read Medicare's excellent coverage of plan comparisons for the cost of the plans. There was nothing on these comparisons that said I would be paying an ADDITIONAL $19 a month for Cigna. Or, was I suffering with temporary blindness when reviewing my health plans choices? This is additionally frustrating since Medicare, again, raised THEIR monthly deduction from my social security check. Had I been astute enough to read every word in that big Cigna Healthspring plan coverage book and found whatever they had buried regarding the additional monthly charges, I would have, hands-down, signed up with Humana. Now, I am stuck for an entire year paying an extra $228 into Cigna's coffers. Not next year!!!

IMMEDIATELY I diligently checked my premium was paid, made sure I had the correct member information, proof of coverage, etc. WAS DECLINED on my 3 most important monthly medications I'd been PROMISED would be OK! January - letters arrived that I'd been 1) declined and given only a 30-day transition amount (is this just until open enrollment locks the patients in for the year? I could Appeal - which I did, which the doctors offices did, which after the Appeals were declined we could request a review of the determinations... Which we are doing.

Catamaran was the PBN for my last year's Medicare part D provider - although it took from January through April to finally obtain approval for the 12 months of medications I found someone to help. However with CIGNA, Catamaran won't even play into the patient equation to attempt to help. Cigna instead only gives you a dead end phone number called Pharmacy services that promises to return calls in about a business day. In my case, that won't work! I fly out of town for my specialists and need approvals in advance of the trip or that day. It's why I "planned" in advance.

I certainly would NOT have chosen a plan that did not have my medications on the formulary. The first of many customer service representative for Cigna who handles one of my "appeals" was front loaded to assure it'd be declined. I asked her to do it again - I not only needed to be sure that the first month's meds (1/1/15-2/1/15) was covered with the pharmacy that provided the 30 temp supply, but NEEDED TO get the PRIOR Authorizations/Exception in place BEFORE the next refill 1/30/15 when the representative was only filing an appeal for medications "already received". WRONG!!

I pay out of my own pocket to fly to specialists in my state's capital to obtain my medical care and medications. I can't afford to get a hotel, stay in another city and "WAIT" to get another "NO". I've been trying to gain approval for my meds before I end up in CRITICAL CONDITION. I have very unstable angina with vasospastic coronary artery disease. TO simply not get my medications, simply stop them, will possibly kill me. It will certainly mean I won't be able to breathe, won't be able to sleep, won't be able to be ambulatory enough to get back home without complete assistance.

This is such an awful misrepresentation of services. I want this published in the event of my death - to be certain someone files the "wrongful death suit" against CIGNA for refusing medications that've been daily medications since 1997, 1993, and 2006. Three different appeals cases, 3 declines, 3 different processors. The second customer service representative had so much difficulty with basic English language a 10-minute questionnaire took more than an hour as we BOTH spelled each word (such as "SUCH" "S" as in Sierra; "U" as in Uniform, "C" as in Charlie or Cat, "H" as in Hotel). I went through college as a broadcaster, it wasn't me!

The third representative kept having call drop outs until finally I was disconnected on their end (my battery charge and signal were max positive). We're less than 72 hours of medications remaining. Not one of them can be simply "stopped". This company needs to honor the written formulary, or provide the patients with a transition to another provider which will provide the services we were promised. This is as bad or worse than the Veterans Care scandal. This is a Medicare scandal. We are seniors or disabled, and I'm one that inquired into "all available subscriber plans" 3 price tiers, I was given the same positive coverages for formulary!!

Cigna better realize that they cannot make someone stop this medication cold turkey, and all the other meds they want me to try - if they would look at my records would see that I did try all of these medications first and they either didn't work or caused Migraines, I also suffer with Chronic Migraines. I can promise if I end up in the emergency room from complications due to being made to stop the ** suddenly it won't be a good thing!! Who do these people think they are?? You pay for coverage only to be denied your medications. My doctor is writing them according to the guidelines. They have no excuse other than want my money and will not provide the coverage I am paying for!! Stay far away from Cigna. They will only take your money and not provide any coverage!!

I've been on ** because they help me. Morphine is for cancer patients and is used when ** doesn't work. They have in their booklet if you're new they will let you show them over a 90-day period while it gets worked out. Not true!! I was told I don't fit the criteria. I pay $152 to them and hundreds more to Medicare. I'm 48 and have a 13-year-old son to raise on my own and I wish I had my health and paychecks back because I made excellent money and great benefits.. They lied to me to get me to join and I regret it.. I will tell Medicare and they better cancel this because I will not pay for it. This is their premium ripoff plan so stay away folks!

Looking back, the people who have answered the phone during my search have always asked me my insurance carrier first. All I know is that I've weaned myself off of a medication that gave me bad side effects and now it's all I can do to stay awake and function. I have a family. I have to function, and I really need to find a dr. I suspect that the one doctor's office I found that publicly addressed the "payment issues" with Cigna is not the only practice to do so. Another office (an hour's drive from home) told me to try back in a month to see if things have changed. At this point I feel that I have no other options.

My future ex-spouse, Thomas **, became psychotic, assaulted & attempted to kill me before gruesomely trying to kill himself in front of me. I saved his life and he threatened to take my life after his release from a long-term involuntary psych hospital stay. Cigna and his employer, Cisco, Systems, enabled him to interrupt my medical data, harass, stalk me, intimidate providers from treating me, and publish my personal medical data in court declarations to malign me and repair his (crazy) image at Cisco Systems.

I had to discover time and again that despite assurances, my data had been accessed online, over the phone and by way of address changes. I was treated so badly, as though I am the problem despite the fact that my psychotic spouse used the data breach to harass me, intimidate providers not to treat me for injuries I sustained as a result of his assault, battery and traumatic throat slitting in front of me. Cigna and Cisco helped Thomas ** to minimize the damage he caused by limiting my ability to safety and confidentially obtain receive medical care.

You people have been screwing with me ever since I got involved with you, you're either going to insure me or not. What's it going to be? I'm going to the doctor today and I am going to use this card that I have and if there is any problems I am going straight to a lawyers office. My appointment is at 4:00 pm central and you can call me at ** .

I was in the middle of dealing with her question when, all of a sudden she started reading the services I received obviously from the claim form I had sent! Without any ado or verbal drama, I continued listening her reading of my claim form. Finally, she told me to wait 22 more days for a response. I obliged. There was no response after 23 days. Well, I called again on Jan. 2, 2015. An agent answered. I told the agent that I was expecting a response. This agent was a bit problematic for me. At first she claimed to have no knowledge of my claim, and then she said "Oh now I see it, we sent you a check for $151 to your mail box. You have a mail box right?" I responded that I have no mail box and I have no idea what she is talking about. Then she adds "So you did not cash the check, uh? Well, we gonna have to do "stop payment" on that check. That is gonna take some times, you know, and then we will see." I told the agent that all I want is for Cigna to honor my claim, and that I am willing to wait 20 more days to hear from Cigna. I am hoping Cigna will respond.

We have now directed them to a PO Box. Both of us instructed them NEVER to send any mail to us at our street address again. We gave them the PO Box. I have a feeling they will not listen to anyone except themselves and maybe an atty if they feel like it. They are now telling me that they do not have a legal department. Come on! When they are sued I am sure they do not fumble thru the phone book looking for attys. CIGNA is out to destroy individuals and then try to get on top. Does anyone have any advice? I and my husband have tried and tried. They are ruthless and apathetic. I am disabled and my husband will be shortly if CIGNA does not knock it off. We are not leaving them now as we need insurance despite their most deepest wish.

Later, we tried to charge the card at another location. The card did not go through. We called and they said CVS is not covered through health care spending Visa card. I had some dental work done in February, June of 2014 and I had paid out of pocket. In November 2014, I filed a reimbursement claim on Cigna website and uploaded a detailed list of dental work and circled the specific charges that I had paid. Also, I uploaded my bank statement to show that these items were paid out of my checking account. After 10 days, I followed up with them and they told me that they are missing the detailed list of dental work and sometimes the documents does not upload properly, and I need to fax them. I did fax them.

I called a few days later and they told me they cannot see new documents. I asked them to escalate the issue and they connect me with their online support and the technical support told me that the document was originally uploaded and they were not sure why the rep had told me it's not there. They connected me with their customer service - at this point I was in tears - she took my phone and told me that she will follow up with me. The next day, she called and she told me that the document that I provided was rejected and they need the detailed list of dental work. I called my dentist again and they sent me the same list again, advising me that this is the actual list of detailed work done on me in 2014. As of now, this claim is still pending and Cigna is refusing to access the document that was provided to them.

With time running out (we have until end of this year to use the medical expenses) and we had over $2,000 dollars balance in that account, we decided to update our prescription glasses. Both my husband, my daughter, and I wear prescription glasses and we went through exam and we all needed new glasses. We went ahead and ordered glasses at LensCrafters. They told us they will accept the health spending account after offering my husband's health spending card. We received a call from LensCrafters that the card is NOT GOING THROUGH. Calling Cigna again and they profusely apologized and told us that there is a glitch on the card and they will open the ticket and they advised us to pay out of pocket and get reimbursed back from them!!!! At this point, I was nauseated by their advice and sincerity!!! And they told me that they are going to send a new card under my name so I can charge the expenses for the remainder of the year.

I received my card and activated it. I called LensCrafters to use my card and they informed me that this card is not working. At this point, they want their money for the orders that we have placed in and the card is not working. I called Cigna again and they informed me that the reason that both our cards are not working is that these cards are not linked to our health spending account and this was not set up by my employer, which is a Fortune 500 company - one of the BIG BANKS and hosting healthcare conferences all over the US!!!!! CONNECT THE DOTS PLEASE! Therefore, we have to PAY OUT OF POCKET and CHASE Cigna to get reimbursed - GOOD LUCK with that. I recorded my last call. I am planning to make this complaint public. I asked Cigna rep to officially document my complaint (REF: **).

At the end, I asked the rep what is the next step after this official complaint and here is his response: "UNFORTUNATELY, THERE IS NO FOLLOW UP. BUT SOMEONE WILL READ IT." Well, I want to make sure my complaint and my money is more than a simple number and public know under what type of scam Cigna and EMPLOYERS OPERATE to have access to my money.

Original Review: Dec. 26, 2014

I just spent 5 hours on a 3-way phone call with a supervisor from the MarketPlace Healthcare exchange and a supervisor from the billing department of Cigna. Even though both parties agree that I have complied and completed the 2015 application process correctly, Cigna cannot confirm they will honor my Marketplace application. Reason: even though both supervisors confirmed they could both view onscreen that the 2014 plan was cancelled and a new 2015 plan was properly completed and submitted, Cigna could not guarantee coverage starting 1/1/15 because they did not have the ability to speak directly with a supervisor from Cigna's "recon department - only send an email." There was no option for anyone (at any level) at Cigna to call their own recon department and simply say the words "please cancel the 2014 policy and use the 2015 application."

After expressing my shock and concern that I had done nothing wrong and in fact, spent over 20 hours on the phone since 12/10/14 trying to resolve this problem; that was clearly an issue was between the two companies, Cigna told me they could do nothing else for me and would follow up in 3 to 5 business days - literally after my coverage was terminated, and once again confirmed that my husband and myself would have NO healthcare coverage on 1/1/15. I cannot believe the CEO and President of Cigna has a policy that absolutely restricts their own departments to address internal Cigna mistakes via a phone call, and forces their customers to go without healthcare coverage.

Well, long story short, once you choose during your initial enrollment window, you are done. You cannot change providers again until open enrollment. My initial period didn't expire until the Dec 2014, but the open enrollment ended Dec 7th (I was a week or so past that). I didn't find all of this out until I had already signed up with them but I had a similar issue wanting to switch drug coverage a few months back. I didn't think this applied to part B, but it does. Once you first sign up, your initial enrollment window ends. Now you have to do just like anyone else, even if you are still in that six month initial window, and you can only change during the annual open enrollment.

Both Cigna and Mutual of Omaha agents didn't know that... so they were both trying to feverishly sign me up under the initial window (remember, I was past the general open enrollment). I didn't find all of this out until after I had already signed with Cigna and wanted to void the deal. Then, boy did it get ugly. Cigna had conned me into giving them my checking acct number for an initial draw for January. I was reticent to do that but I have a good bank and any problems are usually quick to be resolved...

Then I started a dialog with the agent... Told them all that and, to make a long story short, they just kept hammering me to leave it alone - it wasn't a problem, yada yada... After several heated exchanges I finally threatened to go to the State's DA fraud division and insurance commission. They agreed to withdraw the policy. We'll see if they still draw the premium... then we go see an attorney.

On another note, I guess I should have gotten a clue when the number for the agent in the email says disconnected. I had discussed that with the agent but their excuse was it must be a phone problem... day after day? Right.

I am still waiting for the call. In the meantime my pain did not go away and create some problems during the night and sometime during the day. I go back to my doctor and she told me that apparently Cigna want me to do some therapy and if that will not work then will send me to an MRI. So today I call Cigna and I got a nice lady online with the name of Aisha. She did listen at the beginning to my claim and told me that it is true that they decline my MRI because the doctor did not provide sufficient backup. So I ask her a simple question: How it is possible that a doctor who never see me, never examine me will override the decision of a doctor who made a physical examination and made a decision that it is needed to have this done? In any profession but especially in medicine is a rule. You will not give your opinion or overwrite the decision of your peer unless you personally see the patient and you will conclude differently.

I understand the monetary implication but my question is: Are you my health provider and care about my health or care about your wealth? After three months of pain and no solution provided by the doctor who denied the MRI since he don't know what is my condition, show little or no respect towards the patient and more of the decision is based on how much money I can get from my clients. At this moment Aisha start to get frustrated. She offered to call my doctor in my name and ask them to send backup for my MRI. I told her that she should not call in my name and I don't know what she has to do but I want this to end. She start to interrupt me so I ask for her supervisor. After 10 minutes waiting I got Ashley on the phone. She apologized and was nice. I ask her the same question. She was not able to answer the same questions. So I ask her to please ask the person who overwrite my case to send me how he got to the decision of what is the best for me as a patient without to talk to me or check me. He didn't even know what is the problem that I have but like a blind person he would first send me to a therapy and later if not working will approve the MRI.

How disappointing to know there are doctors like this in important positions. In the meantime the patient can just suffer. Ashley told me that I will have to ask this in writing. She wanted to give me the address since they do not accept e-mail. She told me she don't have the address but will call me back and will let me know. She ask me if I want her to get with my doctor. I explain to her I don't know what she need to do but I really want to put an end of this after three months of pain. I would like a solution and she should do what need as my provider to fix it. Because of them I had 3 terrible months and I don't want to do this for more time.

I work in customer service for a major hotel company. I am the Guest Services Manager. I have 20 years of management experience in the Service Industry. I would like to say that the support and service provided by Cigna is one of the worst I experienced. I am disappointed to see people like the ones are at Cigna, in charge of providing vital service for vulnerable people all around this country and make decisions only based on money and not on what will help them to get better. Shame on them. In the meantime just continue suffering.

First check I sent out got returned in the mail because the stamp fell off (?) so I re-sent the payment the second week of October and called Cigna. The representative told me not to worry, my policy has a 60 day grace on it, just re-send the check. Fast forward a few weeks --- It still wasn't showing as cleared in mid-November, so I called Cigna to find out what was happening, and the representative assured me that they were experiencing significant delays in processing and that they weren't penalizing anyone due to the issue. I still didn't feel real comfortable about it, but really, there was nothing more at that point that I could do -- I use a small bank, I don't have online banking, and there aren't a lot of options to pay the bill for my premium any other way, so I accepted that the check was still processing and went on about my life.

The day before Thanksgiving, I realized the check STILL hadn't cleared, and started to really panic -- I not only have a life insurance premium that hasn't been paid, but a check that hasn't shown up anywhere, essentially lost. I tried to call and couldn't get through, finally leaving a message to request a call-back. I was finally able to reach them today (Monday, December 1st), after a 30+ minute hold time, only to be told I had to overnight a check to their Georgia payment address because they needed payment by tomorrow. They can't accept a wire transfer from a bank, there are no locations that you can take your check or cash to in order to process the payment in person, they can't take credit or debit card payments, and essentially, I just had to pay $20 to overnight a $25 premium.

They sent out no communication prior to mid-September that they would no longer accept credit or debit cards and that they were changing their mailing address -- with a premium due Oct. 1, that didn't leave me a lot of time. Obviously, they didn't plan this too well or think about the effects it would have on their policy holders -- when you don't accept credit or debit payments, you get overwhelmed by checks, which take time to process, and when you don't communicate your changes well, you will get a ton of people calling you, which leads to long hold times which really just irritate people more.

What really ticked me off was not only did they just spring this on everyone with little notice, but that I called them at least 3 different times between October 1st and today and was told not to worry, there wasn't a problem, then I find out today that there is a BIG problem and that the only option I had to try to get them paid before my life insurance would lapse would be to overnight them another check.

What kind of insurance company won't accept a wire transfer from a bank, or credit/debit cards, and doesn't have ANY cheaper payment options that can be used in an emergency, like a check by phone option?? Twenty dollars may not seem like a lot to some people, but it is the principle -- why should I have to jump through hoops to pay this when not only did I receive poor/misguided communication from you and your staff, but my first check is still rolling around somewhere over there? This whole experience really minimizes my trust in this company, and if it weren't something so important as life insurance, I wouldn't put myself through this mess.

Cigna systems or personnel did not record the many times I have called to understand issues, complain, and to escalate to management. They treated each call as if it were my first time, and so ignored the fact of these ongoing, serious issues. In response, I was forced to work with my doctors to re-printed and "correct" each claim, and was forced to resubmit 3-4 times before being processed or any reimbursements provided by Cigna. It quickly became apparent that Cigna's behavior is intentional policy - a racket in hopes that customers will simply give up and stop re-submitting rejected claims.

As mentioned, previous claims were processed like clockwork. Those later and currently being kicked back are the SAME claim/billing documents, in the SAME format, with the SAME information from the SAME doctor, for the SAME treatments and visits as before. NOTHING has changed, except suddenly Cigna now rejects each and every claim (in bulk - no exceptions). They return stacks of claims citing a vague issue with all of them. Examples: "Detailed charges missing" (I recited every code, description, charge and total contained on every bill to the representative, and they had no answer for me); "Copy not legible" (Cigna returned to me their COPIED VERSIONS of my original submission. THEIR returned copy was illegible, compared to my original which was perfectly legible. At times I simply re-sent my home file copies back to Cigna, which were finally accepted after 1 or 2 more iterations). I have reached a point where I simply make no changes or updates to claims, return a stack of rejected claims with a cover letter stating that Cigna's cited issues had been corrected, and after 2-3 iterations Cigna will finally begin processing my claims and providing reimbursement. Cigna's behavior is reprehensible and criminal.

Cigna is stating that they needed a "procedure code" in order to cover this. WELL, no one told me that - Cigna is stating that the clinic should have told me this! The clinic is stating the hospital should have given me a procedure code! Unbelievable! Well, guess what? I'm not paying this bill - follow me to the grave. It is the principle of it! I don't have a medical degree - how is the consumer supposed to know all of this? This is why people would rather go without insurance - too much hassle.

So, after today's phone saga, Cigna is saying that they do not pay for 3-D mammograms ONLY "medically necessary"! Interesting! So, your information you give out just depends on the day of week and WHO is answering the phone over there, CIGNA? Well, it IS now "medically necessary" for me to contact my local television station because they LOVE stories like this - you know....all the Obama care negative stuff right now right before the elections......licking their chops. Also, my brother in law's cousin works @ CBS scouting stories for "60 Minutes". I have had it. Yup - pushed over the edge. You have picked the wrong person to give erroneous information to because I will not lie down and accept it. Time to have some fun -

You're probably wondering what the basis of the doctor's accusation was. My grandmother's prescription was for 5mg Roxicodone. When the 5mg twice a day wasn't cutting it as the pain got worse, she doubled her dosage which obviously meant she needed a refill sooner. So, I'm fairly certain that my story, as well as the countless others on the web, put Cigna comfortably in the worst healthcare company in America title. If you're reading this and considering joining one of Cigna's healthcare plans, don't. There are plenty of companies that will give you the healthcare you deserve.

The page noted that my August payment was returned due to the credit card being expired. There are two exp. dates for the same card number on their site.. Aug 2014 (I made the pymt in Aug..) and Aug 2017. When I spoke to the rep and asked about this, she told me Cigna stopped accepting credit card payments beyond the initial premium six weeks earlier - the payment I made had been a month earlier... two weeks after the company says they stopped accepting payment this way. ***I asked her why the system accepted my payment if they no longer accept this type of payment. She said it accepts your payment, then kicks back several days later and that they don't necessarily notify you.***

So, what does my credit card expiration date have to do with it? Absolutely nothing. Was my credit card expired, if that had anything to do with? Absolutely not. I even called the bank to ask if Cigna tried to run it.. no - no attempt what-so-ever.

-> noted on my account that the payment was returned because the credit card (which wasn't expired & is listed on my account profile with 2017 expiration date) was expired - a payment they never attempted according to the bank.

That's hilarious... not. I have a kidney/pancreas transplant. It's not like I *must* have certain expensive medications to stay alive, right? I've spent hours and hours searching for prescription assistance programs; had to drive 100+ miles and pay gas at 15 mi/gal to pick up one of my anti-rejection medications. I'm still working on the other anti-rejection meds and cutting out meds I need but can't afford. My parents are having to take money out their retirement account to help me pay full price for meds & services... money that, even if reimbursed, has lost the interest it would've accrued. When I asked the representative for the name & address of the CEO, she said she can't "release" that information. I replied, "Are you refusing to give me the name of Cigna's CEO? " She said, "Yes." I said, "Wow. I'd like to speak to your supervisor." She said, "No. This is not a call that we transfer to a supervisor." I said, "Wow. Really? I'd like your name and employee number."

I actually got that information. I know how to get the CEOs name (it's on their website) & that the supervisor lie a classic blow-off technique, but still... Wow. She explicitly refused to release the name of the CEO of a publicly traded company in response to wanting to mail a letter of complaint. I also asked how I appeal the decision - she said I fax a letter to their fax number. Upon pressing a couple more times for any corporate complaint informations, she said I fax a letter to the same number. No matter what I asked her, the answer was fax a letter to that one fax number. The next day I thought I must've misunderstood the conversation. I called Cigna again and spoke to what I'd call an actual "customer service" representative who confirmed everything I was told last night, except for the appeals process.

Cigna does not appeal any policy termination they make.. the must be made through the Health Marketplace. She apologized for every bit of what happened and agreed that it made no sense whatsoever. Cigna is the only PPO available to me and the HMOs, which are cheaper, don't cover any of my doctors (I'm especially attached to my transplant physician!) or many of my medications. Thanks Cigna! When I searched Google for the corporate office address, I came across the following satirical, but appallingly poignant article from The Onion. The article was on the first page of results for "Cigna Cardani". FYI: Foul language is used liberally throughout the article, though it's doubtfully more than what you've thought or voiced already: ** If the link is removed, search: Cigna the Onion and have a great "laugh" - I had trouble laughing.

I don't even have that old invoice in my new computer and I have no way of uploading that. CIGNA had it and they deleted my recent CORRECT document that I uploaded and they put my old one. They are a fraudulent company. I think what they are thinking is that if you don't reimburse by March of next year then they get to keep that money. CIGNA = VULTURES. What a shameful way to make a living (EMPLOYEES OF CIGNA) because you are an active participant to these crimes and sins. OK let's take some action. Anyone had the same issue or a similar one? Want to join a lawsuit? Please email me at **. Let's get an attorney.

My wife was discharged immediately without adequate preparation. The nurse told me to go to her Pharmacy to get medication and rush home to wait for the ambulance that was taking my wife home; however, when I got to the store the Pharmacist told me that there was no medication for her. I called the hospital to notify them that there was no medication to collect. The nurse told me to wait for her to contact the doctor. She called back stating, "The doctor is driving and has not sent in the prescription." I rushed home without medication. It took three days before I was able to get some meds and five days to see the doctor for Sugar meds and supplies. I later called the customer service to file complaint and the responder refused to take my complaint Stating, "You are our customer. You are the husband but you do not have POA on file. We can speak to you on the account but will not file your complaint on phone. Write your complaint and mail it to us or fax/mailed us your POA before we will file your complaint on phone."

The surgeon is out-of-network, as there are no in-network neurosurgeons in my area. I understand that I will likely be responsible for 40% of the total, but why won't Cigna pay anything, much less the 60% out of network charges? I'd like someone to tell me the actual dollar amount I truly owe and it better happen before my credit rating is ruined! Looking now for any class action suits regarding Cigna's fraudulent practices.

I hardly know where to begin with the consequences. While I was relatively healthy, things were mostly fine. Waits to see my primary care provider are much, much longer but I don't work and can usually afford the time. The nightmare started when I needed an MRI and referral to a neurologist. I had a preexisting very serious neurological problem for which I had an MRI and 4 or 5 neurologist visits from July 2012 thru mid-2013. I had an appointment to see my neurologist again in May of this year. I did not keep that appointment because my doctor doesn't accept Cigna Healthsprings insurance and I did not feel that it was urgent that I see her. I hoped my condition had stabilized, but my symptoms got worse and my family doctor ordered an MRI in July, planning to refer me to my neurologist after getting the results.

Cigna appears to have sent my doctor's order to an organization called One Solution for review. There is nothing in their policy documents to even suggest the existence of such a procedure. No one contacted me or my doctor before denying payment for the procedure as medically unnecessary. I found out about the denial around the beginning of August. After many frustrating and pointless conversations with Cigna so-called "customer representatives", which followed the grievance "procedure" that Cigna sent me after one of the calls, I was finally told last week that I had to contact the Appeal department to get the review and investigation they promised in their grievance instructions. In spite of specific requests, I have received nothing in writing from Cigna about this matter other than the grievance procedure instructions.

Yesterday I made an appointment to see my neurologist on a self-pay basis since her clinic's experience with Cigna is that they find numerous reasons to deny payment under the POS coverage even when, as in my case, Cigna has verbally agreed to pay 70%. Cigna's policy, I am told, is to send no written verifications to policyholders. My neurologist's nurse has expressed concern about Cigna's willingness to pay for any additional testing I may need. It will still be as much as 14 business days before they decide the appeal concerning my MRI. That will be about 2 months since my PCP's initial order.

This has been a physically and mentally exhausting ordeal. This is what I guess they meant about "death panels" as a result of the new health care act. I know that I am more fortunate than many. I can afford to pay for some of my care while Cigna drags this out as long as possible. I now know that I should have done that sooner, but I had no idea how far Cigna Healthsprings would go to keep from paying for their agreed part of my healthcare. I can only hope that too much time has not been wasted.

So I began the search for another physician, one who would perform the no-stitch pterygium removal AND take Cigna insurance. This has been no easy task. Very few physicians perform the no-stitch procedure. The reasons I want this type of procedure are simple: (1) better recovery time, (2) less post-surgical pain, and (3) results as good as, if not better than the stitch procedure. Your customer service people have provided different information on different days and depending on the particular agent with whom I spoke. One actually sent me 8 PAGES, of more than 100 physician names and suggested I call them to see what they did/did not do. Seriously?

What I learned during the arduous process of calling many physicians' offices, is that in the greater Phoenix area, there is only one who does the no-stitch pterygium removal. Dr. ** is part of the Cigna family of physicians, but does not take the Medicare Select. In July (now 7 months into the process) I thought I had finally found the answer: I was informed by yet another Cigna CSR, that with my primary physicians referral, because only Dr. ** performed this surgery I would be allowed to go outside the network. Per Cigna's instructions, my primary made the referral to Dr. **, a Cigna participating physician (but not Cigna Medicare Select HMO), who did perform the no-stitch procedure. I spoke with their office and they proceeded to contact Cigna to find out what my portion of the procedure would cost. Several days later (it's now August) Dr.** office called to say that a Cigna rep told them I was NOT allowed ANY out of network benefits and I HAD to use a physician in network whether or not I was comfortable with them and whether or not they performed the surgery I wanted/needed!

Am I frustrated? You bet! So, following the call from Dr. ** office I again contacted Cigna and spoke to yet another CSR who informed me that if my primary physician made a request for authorization to Cigna (1-800-558-4314) I might be allowed to use a physician who was out of network. Of course, I called my primary physician, Dr. ** office to pass along this new information. So, now, 8 months later, I STILL DO NOT KNOW if Cigna will ALLOW me to use a physician who is one of the very few who perform the no-stitch pterygium removal. This is not a surgery I want, it is not elective. It is a surgery I need to avoid losing my vision in my left eye. As a patient, I should not be forced to use a physician who is unable to perform the surgery I need, nor one who makes me uncomfortable. NO SURPRISE... CIGNA WILL NOT ALLOW!!

My wife was put on pain meds and the doctor has increased the pain meds again. She had to have help in getting dressed, help combing her hair and anything to do with the use of her left arm and shoulder. Dr **'s office informed us today that he was going to have a "peer to peer " telephone call with Cigna's doctor or nurse. What can we, as humans who pay high premiums for coverage, do when we denied such tests and are suffering so badly??? We need help!!!!

Now it's not just a means of convenience to be able to pay online with a credit card. But When I purchased the mandatory healthcare at the marketplace I did it with the intention that I could use a credit card to pay the premiums if necessary.. But as of June 31, 2014 Cigna No longer accepts credit cards as a means of payment. Something is terribly wrong when we are required by law to purchase Obama care and we aren't allowed to do so because the health care company can change the rules halfway through the term of coverage. I cannot even make a change until December. In October it will cancel. This isn't just fair, it should be criminal to allow a company to change the payment in the middle of the process. If I am penalized for not having medical insurance because Cigna refuses credit card payments, then cigna should be held accountable even more for not accepting the payment. This is just so wrong.

I purchased a Cigna open access PPO plan in 2013. I had very carefully vetted all the different insurers to ensure I was purchasing a plan that met my needs and provided the care I require. I spoke with Cigna multiple times as did the patient coordinator for my primary specialist as it was imperative that we knew the conditions of my plan. We were all told very clearly that I was purchasing an Open Access Plus plan & that my specialist would be covered as in-network.

For a few months everything seemed fine and good... but as they say, if something seems too good to be true... well, this wasn't quite what I had expected. 05/14 I began noticing on Cigna's app that my claims that were normally processed were now "pending". I called Cigna to inquire and they told me my specialists were in network and that it was their error and everything would be reprocessed. However it continued to show the same thing including many thousands $ of accrued out of network costs on their tracker in the app but they kept telling me it was their issue and advised me to continue to keep seeing my Drs.

Every new doctor took my card, copied it & called to check my benefits before proceeding with any appointment. Never once was anyone told that they were out of network. Finally a month ago after having spoken to 10 different representatives someone finally told me that my plan is actually out of network & Cigna simply "made a mistake" and was never meant to sell me the plan that they did. I was told they would reprocess all of my claims for the year & retroactively bill me (10's of thousands), that all of the claims since May were my responsibility regardless (<$10,000+) & that I would no longer have coverage for ANY of the doctors or services that I had established myself with incl breast cancer services. In 2014 Cigna apparently moved everyone without exception to a new extremely limited LocalPlus network that I never would have bought, was not aware of & was never told about till now because my card also says OPEN ACCESS PLUS PLAN which they now claim was also a "mistake".

It has been a NIGHTMARE trying to get this resolved, and trying to cope with the stress and worry has had a significantly negative impact on my health. They leave you without access to your Dr, access to any prior treatment or care, no warning, no alternatives... you want to talk about sick. They admitted fault to me for selling & administering a plan that they did not intend to honor but they told me that there is nothing that I can do about it now. And it looks like this is the same for a number of people.

They have insufficiently educated customers, doctors & their own staff. There is tremendous confusion over what they have done to individuals who purchased 2014 plans & were forced into a different network to everyone else that greatly limits their access to Drs. Even a Rep confirmed the influx of complaints about the lack of Drs available. Because Drs aren't aware that Cigna did this and Cigna reps don't appear to even understand their own networks, people are receiving care under the impression that their Dr is covered only to discover after the fact that the Dr was out of their Local network.

Shortly after, I started receiving bills from the medical providers I had seen at the hospital. All of the bills were the amount that was "negotiated" by Cigna with the medical provider. When I contacted Cigna to notify them of the bill, they had to apply for an appeal which could take up to 45 days to process. With the bill being due in less than that amount of days, I had to pay out of pocket to avoid delinquency with the medical provider. Then, it's a fight with the care provider to reimburse me for the excess that I paid since Cigna ended up paying the full bill anyway.

This happened on about 5 different bills. When I asked Cigna about this repeatedly, they said it was because the doctor was out of network. Because the bills came not from the hospital but from the office of the physician on duty, that would mean that if I wanted to make sure that I was going to see an in-network physician I would have to call the hospital, see who was on duty, and then call the physician's office to see if they are contracted with Cigna. Basically, this is what they are expecting you to do if you don't want to get stuck having to deal with getting these provider bills, paying it yourself so it doesn't go delinquent, spending time on the phone calling Cigna to have the bills appealed, calling the provider to make sure they actually received the payment, and then having to get the money you paid out of pocket from the provider.

Cigna's explanation of the "negotiated" discount being rejected is put like this: they send the doctor what they think is reasonable to pay for treatment, and then don't bother following up to make sure the doctor actually accepted the discount, and instead blame the doctor for not calling them. (The doctor should call them too, I get it. But I am also paying Cigna every month to not have to deal with paying anything out of pocket. Isn't that the whole point of insurance in the first place?)

Having been with a different insurance provider in the past where I paid nothing out of pocket to see an out of network physician in an emergency situation, this really frustrates me. Why can't they close the loop of communication so that an already stressful situation isn't made worse?

The calls to Cigna?? How deceptive... For over a year, I have called about the problem I have with different generics monthly. As always, I'm told "have my MD specify brand name only". Then pharmacist says, "We can't fill brand name." Cigna "Yes, if the doctor fills out forms"... 2 yrs and it's first I hear about "forms"... I have been treated so nonhuman since questioning my doctor's motives and Cigna's. I'm actually fearful of going to the clinic. I feel like a used "lab rat" and of no value. I pray for strength to walk away and deal with pain...

When meds are right, I can do activities - art, attend PT - BUT I never know each month what pills I get. Some I can't find to identify. Is it possible we could be their lab rats? How would we know? I'm on SSDI. I had to retire 2007 due to physical issues. I'm 63. SSI chose Cigna for me. I did not choose it. How can I get caring medical help? Cigna makes Billions of dollars in profit while I have to take garbage meds... Who can help?

When the Subscriber contacts the Cigna claims, they are told it is "just an innocent mistake" that "can be re-submitted on the claim for payment". But continue to process all claims "out-of-network" for the subscriber, despite the fact that in previous months of that year all similar claims were processed "in-network". The Subscriber is NEVER notified that there has been a change in status of the provider (in relation to Cigna PPO) nor provided any explanation for this change in payment. This appears to be not only "misrepresentation" of the coverage that Cigna offers, but it touches upon "fraud in the inducement", if a subscriber is led to believe through Cigna's words, and actions, that the claim will be covered "in-network" (as was done previously by them) and the opposite turns out to be true.

I am appealing each and every claim that was previously processed "In-Network" this year (2014) by Cigna, and was later processed "Out-of-Network" (unpaid) by them on this basis of misrepresentation of coverage. There may be other legal issues as well, since I, as the individual plan holder, was not notified of any change in status of the provider, nor was I informed correctly by the Claims Dept. as to the true status of the provider's relation to Cigna. The results can be catastrophic for the consumer who is then forced to pay 100% of each bill - since there is not adjustment for UCR (usual customary and reasonable rates) due to the "out-of-network" status now assigned to each claim.

This type of problem I realize is affecting many, many individual plan holders. It is not due to a simple confusion between the "Open Access PPO" or the "Local Plus" networks. It appears to be pure and simple misinformation and misleading statements made by Cigna. "Bait and Switch" enters into the picture because the consumer is "baited" into obtaining medical services from a provider, which may incur considerable cost, is told it will be processed "in-network" (in some cases at 100% payment when the annual in-network deductible is met)... then suddenly, after a few claims, Cigna PPO switches and now acts as if it is "out-of-network" status!! The billing departments of each provider know little or nothing about what is going on, since they were told they were "in-network". I will be doing research on insurance law. This does not appear to be legal, in any state of our country - nor should the innocent consumer continue to be victimized in this manner.

Little did I know that the only options available involved enrollment in the "Affordable Care Act" and that the person I was transferred to was its representative. Ms. ** sent me a list of available plans with their premiums. I noted that the list showed my name and that rates were for "smokers". I also noted that the network was labeled "local Plus" not "Open Access PPO". When I asked if there was a difference, as I very much liked my present doctor, I was assured that the Local Plus Network was extensive and I would be able to keep my doctor.

My first use of my coverage was this month when I received a physical. Last Thursday I received an EOB indicating that I owed $480 dollars as my doctor was not in the Local Plus Network. Since my doctor was in-network, and the Local Plus network was "extensive", I concluded that this must be an error. I called CIGNA to confirm that my doctor was indeed was a CIGNA PPO. I was informed that there was no error and the doctor was not in the "Local Plus" Network. I learned that doctors are unilaterally selected to be in the network and that it was in fact not "extensive" but much smaller than the Open Access Network. Also, there was no possible way to change back to the OAPPO Network and paying more to be in the "Gold" plan would not allow access to the Open Access Network. Apparently, doctors could not request participation in the Local Plus Network and were not informed that they were not selected Local Plus PPO. The service rep would not, or could not, provide the criteria CIGNA used in choosing who is part of the Network and who is not.

I called my doctor's office and explained what I had learned from CIGNA and requested a schedule of payment. During my conversation, I told her what I learned from the conversation with CIGNA regarding the existence of two PPO networks: Local Plus Network and the Open Access Network. She assured me that the information I was given was incorrect as the doctor was a "CIGNA PPO". She told me that the person responsible for insurance would be in touch with me. While I repeated what I had been told by CIGNA, she assured that the doctor was a "CIGNA PPO". Clearly, doctors are not informed that being a CIGNA PPO does not mean their inclusion in all of the insurer's networks.

It is obvious that under the "Affordable Care Act" there is not true choice and what the people have been told is misleading at best. It was not my intention or desire to enroll in the "Affordable Care Act" when I called CIGNA early this year. Nor do I want to change my doctor. What I want is keep my doctor as I was told I would be able to do.

I asked what procedure was being denied and was told they cannot give that information out to the patient or subscriber to protect our privacy! But that just doesn't make sense. I've already given them 10 minutes of time verifying my identity. They will not provide the code or procedure. What a scam. They deliberately make it almost impossible to understand what they pay and don't pay. It must take a court order to get information from them. The next time they call me, I think I'll withhold information from them! So why is healthcare such a mess? It's for profit companies like Cigna that are largely to blame.

Within the past month, I started to receive bill after bill from providers we have had for over 10 years for visits we recently had. I started to become confused why after all these years, I was getting billed for a visit when my daughter had an ear infection or my son had strep throat. I called Cigna and they stated that none of my providers for my family were on our "local plan". When I asked what was a local plan because I never signed up for any local plan. This is a bait and switch tactic where you pay Cigna for one plan, then they switch the rules and coverage and offer you an extremely limited amount of doctors and deny claims for in network coverage like they agreed to do.

In addition, my doctors told me this local plan was a government based Obama care plan that Cigna oversees and is equivalent to the lowest form of insurance. I feel betrayed, angry, and cheated. I have been working overtime at my job just to afford our health care just to find out what I paid for is not what I got. I feel Cigna should be accountable to me and others like me: professional, educated, hard working, and ethical consumers who want what we paid for! I hope the news or government steps in and holds this company responsible for their lies. I will be contacting my state government as well and now in addition to my 1300 health care insurance premiums, I have hundreds of dollars of bills from my doctors that I was told all were Cigna providers, in network, and now all I have is out of network expenses.

I called Cigna back, informed them hospital sent 2 times by hospital and according to my statements these amounts were approximately $21,000 and exceeded their requirements. Was told that they were sorry but it would take Cigna @ least 72 hours to process. I also faxed Cigna my copies of these statements. This morning my daughter has had 5 seizures due to their delay. I believe that they are at fault and she should not have to go through this. Cigna does not seem to care as she may need to go to hospital again for their lack of response. Cannot believe they would prefer this inhumane outcome instead of providing her needed medication.

Cigna is not fooling us. This game is all about money. It's really which docs can give them the volume they're looking for. It has nothing to do with quality. If it did, they would not have excluded a doc who has decades of experience with no negative comments online, patients who love him and have followed him across the city when he moved, leadership positions in multiple hospitals, membership in multiple medical organizations, participation on committees too numerous to count, and a proven track record. Compare that to the docs with the multiple negative comments on the Internet on sites like Vitals.com, Healthgrades.com, etc. Check out their multiple lawsuits and patient deaths. No, Cigna has not evaluated this specialty for quality, and I doubt any other specialty. They are giving preference to docs who run large mills and rush patients in and out like cattle, treating them like numbers, not people.

They want to tell you that you will pay less and get more. Do you know of ANY situation where this is true? Don't be fooled. And if you have Cigna through a company you work for, you are (or will be) required to fill out a "wellness" survey that consists of over 70 questions that pry into your personal life. If you are fat or smoke or have other health problems that cost the insurance company money, they want to know about it so they can save money. They will then have "coaches" call you and tell you how you can be healthy. They don't want to pay for people like you. But if you don't mind this big brother snooping and like to have people other than your personal doctor nag you about about your diet or other life style habits, then Cigna is the place for you.

None of the doctors that I had checked accept "Local Plus" Cigna insurance. These doctors have told me they all accept Cigna PPO, but not Local Plus. I am working from a group of doctors that is more limited than any HMO. Cigna offers "Cigna Care Designation". This is a process in which they have reviewed and rated doctors for care and cost. Not ONE single doctor they give me to chose from has the seal of being "A Cigna Care Designated Physician". They have NOT reviewed ONE single doctor they are giving me to choose from! I am pretty certain that this is a "bait and switch" from their original representation of a standard Cigna PPO. Speak up now! If you have the same complaint, do something about it. I have written to everyone I can think of in my state to stop this misrepresentation.

March 2014: I noticed that my account was not in fact charged on 5 March, as I did not see the charge from my bank account and called in to Cigna Billing to find out why. I was informed it was because my policy was terminated due to non-payment and that my payment was in fact due by the end of February. I told this representative about my call from about a week before, where I was specifically and unequivocally informed otherwise and asked her to look in the records and notes on my account. After reviewing the notes, she admitted there had been an error on the part of Cigna billing and therefore my policy would be automatically reinstated effective Feb 28th (the date of the erroneous cancellation by Cigna). I pay the $662 as a one-time payment to get the account back current and then make arrangements over the phone to set my account back up on auto-pay, so that my $662 payment would be automatically charged on the 5th of each month going forward.

3 May 2014 (approx): I have a period of heavy travel for work and on review of my bank account statements I notice that the last automatic charges from Cigna have been in the amount of only $187. So I again call Cigna Billing and am informed after review of my account it has been determined that the reason for this billing amount is that when my policy was reinstated on Feb 28th, all three of my dependents (my wife and two children) had been erroneously omitted from my policy and that they have in fact had no health coverage for the past 2-3 months. So the $187 premium I was being charged automatically was for myself alone and that the rest of my family had been erroneously dropped from my policy by Cigna.

I then realized that I have paid for medical claims for dependents out of pocket as these claims had been refused by Cigna. I did not earlier realize that this is what happened, as when I received the bill from the medical provider, I assumed it was for an amount over and above the policy coverage limits for my child's medical visit, when now I realize that Cigna had actually refused to pay the claim because they had no showed no active coverage for my child, because again they had erroneously taken my wife and children off the policy. In this phone conversation, when it is discovered that due to Cigna's error of taking my dependents off of the policy, I naturally tell the Cigna Billing representative that I want them reinstated on the policy. And that I don't want to have to pay for the period that I was provided no coverage for them, i.e. that the coverage for my dependents should be reinstated as of the time of the phone conversation or the beginning of the next billing period not retroactively. This is pure common sense that I would not want to pay for a service or product I had not actually received, especially since it was all due completely to Cigna Billing Department errors.

The representative at the time said that she understood this and was submitting my request to her leadership team or the unit that would process this and that I would hear within the next few days or some such. 5 May 2014: A letter is sent to me from Cigna Billing & Enrollment Services confirming that my dependents are being added to my policy certificate and therefore the rate for my policy is being changed to $662 effective 06/01/2014. Naturally I would assume that if I receive a letter from Cigna that says the rate change from $187 to $662 will be effective 06/01/2014, then that is what will happen and that is what they will do. However, in later review of my policy and my Cigna billing online, I see that they have actually made this change retroactive despite not only my request but also Cigna's written statement to the contrary. They have in fact back-dated the rate change and billed me for the months that Cigna had refused claim coverage of my dependents. I have attached a copy of the letter I received but to quote from it exactly: The rate for your Cigna medical policy has been changed to $662.00 effective 06/01/2014.

I paid the bills from my personal account. I submitted copies of the bills and cancelled checks to Cigna and asked them to reimburse me directly. They have stated that they are willing to pay the doctors who have already been paid and then I should try to get reimbursed by them. If the Doctors send the payment back to Cigna then they will issue a check to my dead Uncle even though I paid the bills out of my personal account. If the checks are made out to my Uncle's estate then I would need to open a probate, which would cost more than the reimbursement.

My concern is that Cigna may be engaging in practice of simply not paying bills once a person dies. If that is not the case then Cigna needs to be a good corporate citizen and reimburse the person that was harmed by their actions. Basically, there incompetence is going to cost me $1,200 to $1,400. Someone like the Attorney General, Department of Insurance or a class action lawsuit attorney needs to investigate this. Please comment if anything similar has happened to you.

They claim they have 24 hrs, 7 days a week customer service? What a B.S.? Whenever I call them they say "you have to wait couple of more weeks." When I asked "for what?" they say "to process documents." Really? let's see what documents are involved with approving dependent daycare reimbursement. There is only one document which is the receipt. And it takes them month to process? They purposefully delay to pay your own money. Will talk to HR soon to see what I can do. Also, will contact better business bureau. Worst company ever. I think all of the customers who had been abused by CIGNA should complain about them, take legal actions AGAINST THEM and spread the word about CIGNA: HOW NASTY THEY ARE. This company should not be allowed to operate. A disgrace for healthcare insurance is CIGNA.

However, my first claim was denied and I was told that my doctor who accepts Cigna OAP was not covered under my plan which is 'Local Plus'. After I called Cigna, I found that Local Plus is a much smaller network of doctors in the Cigna network and this is what all Healthcare.gov individuals are being put into. It is even smaller and more restricted than an HMO. None of my documents stated "Local Plus", everything that lead me to purchase this plan stated OAP and I would never have enrolled or left my previous insurance otherwise. I will be filing complaints with the state of Florida to investigate this and I encourage all others affected by this fraud to do the same. Raise your voice; get the local or national news cameras to hear about this, it is outright fraud what Cigna is doing.

Congratulations Cigna, you win. You may keep the $1000 and buy one of your executives a cigar at one of your million dollar resort getaways you lavishly toss at management as a prize for the most claims denied. One day each and every one of you will have to make a claim for something. If your experience is even half as unpleasant as mine karma has done its job. Further, isn't it a little overkill to have a check box on this page to elect to have an attorney contact me about my complaint. Poor attempt at intimidation.

On 3.3.14, I spoke to Nick, who reviewed the rejected appeal and said it should have been covered. He said he'd speak with his supervisor and get back to me by the next afternoon at the latest. I never heard from him. On 4.28.14, I spoke to Joseph, who gathered all of the info to submit a "level 2" appeal. On 5.21.14, I spoke to a different Joseph who said I should have received a letter rejecting my Level 2 appeal (this went overseas to my husband, although I had told Cigna I was back in the US and given them my address). Meanwhile, I have been trying to reduce the time spent with my therapist, as friends have very kindly been paying for the privilege!

On 6.9.14, I spoke with Kristen, another very nice, very empathetic person who said the Skype sessions should be covered & she'd speak with her supervisor and get back to me by the next day. Needless to say, I never heard back. Today, 6.13.14, I spoke with Shenequa, who kindly emailed the rejection letter, which indicated the rejection was based on pages 43 and 45 of the plan certificate(!), which states "internet consultations are specifically excluded from the plan with the exception of Cigna's 'My Consult' program with the eCleveland Clinic, or AS SPECIFICALLY AUTHORIZED BY CIGNA". I thought the first call I made in Oct '12 was specific authorization, but it appears I cannot rely on the word of their employees. I agree with other people who have posted here that our only recourse is the State Insurance Commissioners and every other forum I can find. It is cruel to play with people's emotions and make them jump through hoops to get the service implied by paying for little-used insurance all of these years.

Being mentally ill is a very vulnerable & difficult time, so this worsens the situation. They told me my psychiatrist's notes & letters have no merit because they don't spend enough time with me. Cigna has their own team that has never seen me or treated me. So the question is, how can they omit my doctor's information & documentation? Cigna should be sued for wrongdoing of people with disabilities. Cigna has also caused me into financial hardship. I am well documented for major depression and bipolar disorder and I have become resistant to most of the meds. I guess Cigna wants my illness to get worse where I would possibly begin to feel it's time to end my own life or harm somebody by no true intentions of my own. Thank you.

For the past five years, I've been getting Botox from a migraine specialist at a pain clinic near Boston. The difference in my life is night and day. No one who hasn't had a chronic, unrelenting migraine can have any idea of the pain; it's like the worst hangover ever (that's the closest I can come). When I had United, no problem. Since getting Tufts, my doctor has been trying to get approval for Botox for migraines with no luck. You see, Tufts uses CIGNA to handle prior authorizations! And a bigger cluster I've never seen (and I've worked in health insurance for >20 years).

When I called Cigna, they told me the first request didn't have a diagnosis code or the medications tried. Nonsense - I SAW the request the doctor sent. They do these requests all the time and this is basic. The appeal, Cigna says they haven't received yet, even though the woman doing the appeal faxed it to them in front of my eyes and got back a confirmation. I'm now being told that they don't have it. If Cigna doesn't sort this out damned quick, we are going to have some legal issues and they will be reported to the state and to my senator. I'll also be on the Twitterverse and Facebook doing some complaining.

Every time I speak to a representative they tell me something different. For example I spoke to a representative today and she told me that Cigna does not except credible coverage letters from Medicaid, they only accept letters from private insurance. Hmmm this sounds kinda funny to me. This was the first time anyone has said this to me. All other representative said that the letter I sent was sufficient enough. Every time I requested to talk to someone else or her manager she would say that they would say the same thing. I do not advice anyone to get Cigna. It is the worst insurance in the world and I had better representative and services when I had Medicaid.

If a person reads my EOB, that person knows I had an office visit. However, if a CPT code was used, 99211, only a trained medical professional would know why I was seen. I was told by this supervisor that she deals with Medicare all the time. They have no problem with Medicare processing claims with their EOB and that I should contact Medicare directly and hear it from them. So I did! I was told by Medicare there was no way Medicare would ever accept an EOB from Cigna that simply said Office Visit and had no CPT Code.

I pay for Cigna coverage AND Medicare coverage. I deserve to have proper Explanation of Benefits from Great West/Cigna in which Medicare will honor! This is a right I pay for! You are obligated to provide acceptable Explanations of Benefits that my secondary insurance requires for payment consideration. I would like to see what Great West/Cigna would do if they got an EOB that had only an Office Visit listed for a charge. This is WRONG, WRONG!!!!!!

Meanwhile, he was thrown into collections, because CIGNA had their thumbs up their butts and said they couldn't do anything until one doctor responded. Well, after many attempts to get the doctor to fax this info, he called CIGNA and talked to a manager. This had gone on for a year and a half!!! He talked to a manager and now it is apparently too late to pay the claim, even when they do receive the information for the doctor! This is a horrible insurance company. For services that should have been covered, my husband was thrown into collections and his credit ruined. Beware of this insurance company...they make no effort to get your claims processed efficiently. They will do nothing and you will pay the price.

On 04/04/14, I still did not see the payment so I called Cigna again and gave them the account information over the phone to take the payment out of my bank account. In the meantime, I received our Cigna Healthcare cards, went to the doctor, got my husband's "Have to have" prescriptions and all was good or so I thought. On 04/18/14, I received my premium notice for May and on 04/27/14 mailed a check for $232.82 covering both my healthcare and dental payments along with the stub from their statement in the envelope they provided.

Today, 05/09/14, I received a letter dated May 1, 2014 stating that my healthcare and dental had been cancelled as of 03/31/14 for nonpayment. So I called Cigna and spoke to Natasha. She said that I would have to call Healthcare.gov to have the policy reinstated so I called Healthcare.gov and they said they could not reinstate a policy that was not cancelled. I then made a conference call with Julia from Healthcare.gov and Nathan with Cigna. Julia explained to Nathan that the Healthcare policy and the Dental policy were only offered from the marketplace as two (2) separate policies. Nathan said that since they were both Cigna products, they were the same policy and since the $62.00 for April had not been paid because the bank account information was incorrect, the policy was cancelled and was actually NEVER IN FORCE EVER!!!

Julia informed Nathan that that was incorrect and that the Affordable Care Act lists medical and dental as separate policies and that they could not cancel my healthcare for nonpayment of the dental. After checking all of their documents, Nathan noticed that CIGNA had entered the banking information incorrectly - that is why the payment did not go through for the Dental Insurance (the same bank account was used for both the health and the dental, they had the Account info correct for the health but not the dental) but since the Dental was not paid by 03/31/14, both policies were cancelled and could not be reinstated. Julia then said I would have to wait until the policy cancelled with them, then resubmit my application for coverage as of June 1, 2014 but April and May would not be covered.

My husband's monthly pharmacy bill is over $750 each month, and I was now responsible for those bills as I was before, unless I signed back up with Cigna and we could talk them into backdating the policy. I am angry because I paid as I was suppose to, Cigna saw it was their error and STILL REFUSED to reinstate a much needed policy.

In short the denial could be considered "LIFE THREATENING". But the insurance company arbitrarily denies claims based on a "DATA SET" and not what is really needed to take care of their policy holders. I was on the phone for over an hour just to find out they (CIGNA) would not even discuss this with me, FLAT OUT REFUSED TO TALK TO ME, did not give any directions, processes, or procedures to file an appeal, just "I'm sorry sir this procedure is not covered by your policy" (REPEATEDLY). When asked to talk to the "Person who could do something" they also refused to allow me to even to talk to "THAT" person. If you ask me it's "BAD FAITH" all the way. REMEMBER the "DVT"** THIS IS, IN MY WIFE'S CASE POTENTIALLY LIFE THREATENING!!!

The summary of the plan I reviewed before buying the plan indicates that the plan type is "OAP". The doctors I want to see accept CIGNA insurance and are part of the OAP plan, as indicated by the online directory I searched. The ID card I received from CIGNA indicates that I have the Open Access Plus (OAP) plan. HOWEVER, now I am told by CIGNA that the network of providers considered in-network is "Local Plus" - a much smaller network than the OAP network. The neurologist I made an appointment with several months ago (there is a long wait to see him) is in the OAP network, not LocalPlus, so if I want to see him, it will cost me a lot more money. I never hear the term "Local Plus" until I called CIGNA the day after my effective date. It is not mentioned in any of the documentation I received.

I spent all day Friday trying to get this straightened out, but only got the run-around. So, I finally filed a complaint with the Florida Office of Insurance Regulation. Then, one of the CIGNA representatives told me that since I filed a complaint with the state, it would take CIGNA longer to address my issue. Sounds like a bait and switch coupled with retaliation!

So, be aware of this if you have this insurance already or if you plan to buy insurance from Cigna in future. My assumption that PPO from Cigna would work within THEIR network was not correct. Had I realized this when shopping for a plan, I would have taken a 2nd look at other options in the market. Thanks...

Who wants to get preventive care if there is a huge copayment involved? Does this make sense to anyone? A "penalty" copayment for an abnormal test? What is the copayment if you have an abnormal weight? I have had very little medical care in the past five years due to their incompetence because every single visit turns into a nightmare which requires letters to the Department of Managed Care or Dept of Insurance. It is mentally and emotionally exhausting. It is abuse. Shame on CIGNA!!! As a human being why don't you do your job and help your customers who are paying hard earned money for insurance coverage. How can you get away with this abusive behavior?

This is only part of the story. I have been working diligently for months trying to get money owed to me... The overpayment for the deductible as well as hundreds of dollars owed for the visits which are covered at 70%/30%. This was the last straw. I am mentally and emotionally exhausted. I now have high blood pressure, chest pain, GI pain, insomnia. I am now on medical leave. Thanks, CIGNA... You are doing an excellent job of killing me.

I appealed and they had another doctor they paid do a "peer review" and deny me again (important to note this peer review doctor is the subject of a book titled "Health against Wealth" whereas the medical director of an HMO, he erroneously denied claims just to save the company money; in one case the patient committed suicide. I appealed again, writing letters, sending faxes, continuously calling until I finally got an approval. They had no new medical information, just finally approved my claim... two days after I had filed a complaint with the Michigan Department of Insurance and Financial Services.

Get on your state government website and find out how to file a complaint with your state's Insurance Commissioner. They need to know what's going on with Cigna, they will help you. It's a free service and if enough of us complain to them they may file a lawsuit against Cigna and get a settlement like the settlement five state insurance commissions got which you can view at this link from Connecticut government website: **. I appreciate this website and being able to share bad experiences but everyone here needs to file the complaint where it's going to get some results. Your State Insurance Commissioner!!! Let's go get Cigna!!!!!

The 1st call I made after receiving these bills I was told that they were waiting from information from the doctor and they needed nothing from me. The 2nd call, I was told that they still had not received the information from the Doctor. In between these calls I made several calls to the doctor’s office and was insured that the proper information had been sent to Cigna. The 3rd and 4th call, I was told what the doctor sent was not sufficient and that they needed information from me regarding this pre-existing condition matter. I informed them that I did not have a pre-existing condition and that the procedures were to try to determine a condition that the doctor never determined. The procedure was inconclusive.

I sent back the form I had but still the bills kept coming. The 5th call, I asked her to send me whatever it was that I needed to fill out because it was getting ridiculous & I was getting calls from collection companies for bills that I have medical coverage and they should be paying these claims. (She sent me several claim forms for the SAME claim and to date that is the only claim paid.) The 6th call, I was informed that I filled out and sent back several forms for the same claim and that the others still needed to be filled out but 10 days later still nothing.

The 7th call, I told the rep that I still had not received these forms and that I really needed an address/number or some contact to finally get this resolved. Nothing, there is no number, a general address. Claims waiting on hospital now, she is going to send me the forms but that will take 5-10 business days. The run around again and still 6 and 7 months after services are rendered and 14 months of insurance premiums being paid to Cigna. Cigna has paid 1 claim.

At the end of January, the clerk was rude and sarcastically inquired why I wouldn't send a check for the premium amount. At that point, I was concerned CIGNA would take triple payment, given the multiple methods for payment that I had provided. Furthermore, I was unwilling by the end of January to pay $1600 for a month's coverage when there were only four days left in the month. Strike one - not a great way to begin our relationship with CIGNA.

The next thing I discover is that CIGNA does not include Walgreens among its participating pharmacies. What in the world? Walgreens is a major drugstore chain. Given that I have a family of five, for years I've been on a first name basis with the pharmacists at the local Walgreens. So, strike two against CIGNA - we had to change pharmacies.

Then we learn that CIGNA pays almost nothing on name-brand prescriptions. With costs in the $800/month range for name brands like ** and **, it has become clear that CIGNA only pays for old drugs available in generic form. This intrudes on the medical judgment of my family's doctors. If the prescribing physician authorizes a name-brand drug, CIGNA apparently believes that as between the health insurance company and the insured, the insured should bear the cost. So, strike three against CIGNA - it only pays for old drugs, despite what my family's doctors believe is the correct medication.

The latest thing? CIGNA has twice rejected a claim for my daughter's out-of-network physician services. The explanation is that she is not an insured on my policy. That is ridiculous. When I call to confirm her coverage under the policy, the electronic system lists her as an insured. Notwithstanding, some clerk at CIGNA wants to deny coverage. The second time the claim was rejected, I sent a copy of her insurance card - with her name on it! - back to CIGNA. I have no confidence this will solve the problem. CIGNA has absolutely failed to earn my business. I will be switching our family to another health insurance carrier at the earliest opportunity.

CIGNA's explanation of eligible orthodontia services being reimbursable clearly indicates that reimbursement can be made once charges have been billed. This can be a one time fee less any amount paid. The total billed for orthodontia is approximately $6000. I have paid a portion and dental insurance will eventually pay the rest. NOWHERE does it indicate that FSA will be reimbursed to the member/client/customer based on date paid. Per the IRS Orthodontia is an eligible medical expense. And distributions from a health FSA must be paid only to reimburse you for qualified medical expenses you incurred during the period of coverage. The period of coverage for my service was 2013.

STOP WITHHOLDING MY MONEY!! The FSA has a use-it-or-lose-it policy and a dollar limit, so that people don't shelter income tax-free. The other advantage people have to use an FSA is access to the money for qualified expenses during the plan year before they have contributed all the earmarked funds. BUT CIGNA is not accountable, I am accountable to the IRS so GIVE ME MY MONEY! ORTHODONTIA is not special. It may be paid differently when processing it as a dental claim BUT CIGNA, YOU ARE NOT PROCESSING A CLAIM FOR PAYMENT TO A PROVIDER! This is my money. This was my qualified medical expense during my qualified plan year. There is nothing more to process.

I contacted the insurance navigator who walked me through the marketplace and he put me in touch with a local Cigna rep who told me that the OAP is an old plan that is not offered through the marketplace, and Local Plus is the only thing they offer now (implying that it is different from OAP). Ultimately, Cigna baited and switched me and has taken over $2000 in premiums, paid out nothing, and their own representatives can't even agree on how Cigna is screwing us over. Still waiting to hear back from the local Cigna rep about the discrepancy regarding Local Plus and OAP.

First of all for 2014, I upgraded my coverage after talking with a representative that made me believe that I would get better service. I was advised to obtain a foot splint for night use from my Doctor who wrote me a prescription. Every medical supplier I went to refused to accept my insurance, after contacting Cigna they sent me to an address which belonged to an abandon building.

Pissed off and confused, 2 hours later they gave me a supplier called Corner Stone who was the only additional outlet for their distributor so I could get a discount. When I finally reached the supplier, they required that I make an appointment for the following week. I asked for the price of the splint since I was being sent across the County and was given a price which was 3 times the normal price of what Walgreens and other non-approved sites had for a similar product. I cancelled the appointment but later rescheduled when the staff called me back with the thought that it would go as my deductible.

To make a long story short, after paying for the product, I started to get a bill the next month for 9.40 with a note that Cigna told they that had to charge me more for this product as they do not final their bill until the claim is actually processed. I am in sales and I do not care what industry that you are in, it is unethical to bait and switch. I paid them the 9.40 with an estimate that they would get investigated about shady practices in the future. This long list seems like they are on their way to success.

On 1/14/14, a charge of $1031.51 for Cigna health, I had no knowledge that my application was approved nor was I ever notified it was approved. My issue is that for the first 14 days of January 2014, I paid for coverage I had no knowledge I had or was approved for. I called to express my concern today and was told since I requested Jan 1 as a coverage start date that they couldn't do anything about it. I asked when the policy was officially approved by Cigna and I was told 1/13/14 so my concern is valid.

After going back and forth with a rep, I requested a supervisor and he confirmed that no notification was sent to me until 1/15/14 and I asked how I can be charged for something I couldn't use and had no knowledge I was approved for, had no policy number, no card no information at all on and he said well, you requested Jan 1 as the start date and you could have gone to the Dr before that as the Obama health care act says no one can be denied and it was up to you to know that. I feel this is wrong and I should get a credit for the first 14 days of Jan 2014 as I couldn't use and/or had no knowledge it existed and their records clearly state my application wasn't approved until 1/13/14. 1/23/14 @ 12:31am, I was notified via email by eHealthInsurance that my policy was approved by Cigna.

After weeks of "pending", I finally requested that the forms be sent to me via email where I hand delivered them to the doctor and hospital then proceeded to fax them to Cigna myself. I have exhausted my short term disability and have been denied long-term for just 1 month of coverage due to a"pre-existing condition". Apparently, because I took medication for a chronic illness I've had for 15 years 3 months prior to my effective coverage, I'm ineligible. My company also uses Cigna for Leave Management. Instead of going through HR to apply for FMLA, I have to go through Cigna. I don't even know what has been approved or denied because my employer has received a completely different story than I have from Cigna.

My employer was told by Cigna that both my short term and FMLA was denied, but I received checks for short term and letters from Cigna stating approval. My manager was emailed saying my leave was denied when it wasn't. Thankfully, I'm returning to work next month, or I'm sure I would be in financial ruin. I Elected the buy up option to give me an extra 10% of income, and am paying for that buy up with every paycheck even though they will not cover me. My car payment is overdue and may be repossessed. Unfortunately, I pay for coverage that is useless. I plan on contacting the insurance commission and filing a complaint. I feel horrible for people who have been dealing with this for months, if not years. It's hard enough to deal with a chronic illness without babysitting your insurance company.

Shemeka ** assured us a check for that amount would be overnighted to us within a day or two. That was a month and a half ago. I have called Shemeka 6 to 8 times a day to find out where this mysterious payment is and guess what, no response. I have left a few dozen messages for her manager, Brett. Also, not surprisingly, not one call back. This has been an absolute nightmare. They are not registered with Consumer Affairs, nor are they registered with the BBB. How does one file a complaint against these people? My fiancee is in dire need of financial help and has always made his payments to Cigna without fail. Anyone have anything they can suggest?

Cigna's policy is that for Trade name drug prescriptions of 30 day supply, my copay is 40% and not to exceed $100.00 copay for a 30 day supply. So what Cigna has started doing with my Atripla Rx is even though my doctor writes my script for 30 pills for a 30 day supply, Cigna does not offer this medication in their 90 day mail order, so Cigna only covers a partial fill of 20 pills with the max copay for trade name drugs of $100.00. THEN when I go to get the remaining 10 pills for the 30 day supply, I am charged $100.00 more. Instead of letting the pharmacy fill a complete 30 day supply for the out of pocket max of $100.00, they are going against how the doctors are writing the scripts and choosing to only allow partial fills so that the out of pocket maximum copay is charged twice. I hate this company.

Instead of correcting the underlying computer problem, they each time just provide a temporary patch or program override. Their failure to correct the underlying problem has forced us to file a formal ERISA complaint with the Employer Benefit Program. Express Scripts has been totally unhelpful and has refused to acknowledge that the termination notices are in error - even when one termination date was two years old and they had been sending us medication during that two year period! Neither Cigna nor Express Scripts seem willing to correct what is clearly computer program error. Their attitude seems to be that "Our computer monitor says no coverage, and we see no reason to find out whether that's correct or not."

a) When we (me and my spouse) first looked up/compared plans from different ins. companies at healthcare.gov, the plan we signed up with Cigna (Plan 1250; $1,250 ded., $2,500 max out-of-pocket) was listed as a PPO plan. This plan is far from being a PPO - it is actually a "LocalPlus" plan having a considerably limited network (of doctors, specialists, medical facilities) as compared to the broader PPO network.

b) Calling in cust. service to verify a doctor/specialist/medical facility being in-network has resulted in problems. Every single time we were told that they were in-network but after completing the visit/procedure we found out they were not. Cigna thrives on such discrepancies as they will not admit any wrong-doing - members will have to pay for the company's errors!

DENIALS

Cigna have disapproved repeatedly procedures deemed absolutely necessary by different reputable surgeons/doctors. A couple of doctors have expressed unwillingness to provide us services due to difficulties working with Cigna. My wife has been in constant pain for many days from an almost full spinal collapse but Cigna's Med Solutions dept. (a separate entity per Cigna's account) have repeatedly denied a myelogram that is deemed absolutely necessary by the medical field. We have no choice but paying ourselves for the full price! It is our understanding (and belief) Cigna's affiliation with Med Solutions is Cigna's "back door" for denying service and prevent company responsibility and financial liability.

LACK OF SERVICE

All doctors/specialists/medical facilities we have visited in the last couple months (about 7 total) have expressed uneasiness when told Cigna is our ins. carrier. All of them are just fed up with the inefficiencies and lack of organization when dealing with them. The following is a subjective comment, but we both feel all servicers we've visited feel sorry for us when we tell them of Cigna being out ins. carrier!

According to those servicers.... Cigna mishandles most claims, denies payment although there had been a "pre-authorization" process and agreement, cannot locate info., ..... all in all, are not service-oriented. On our end, our communication with Cigna has been really bad whereas we are told one thing over the phone, at the end we find out otherwise. Again, Cigna have never admitted on providing wrong information. Asking them to re-play a call which can clarify the issues, they will not do so.

It has been a humongous mistake to choose Cigna as our carrier - nothing can pay for the pain, agony, uncertainty, countless hours spent over the phone, expenditure, and mostly, the emotional toll we have endured dealing with this company. We are stuck and feel trapped with no place to go but walk the road of financial ruin. Insurance companies are power houses in this country and can dictate all outcomes. A letter of complaint to your state's insurance department will not resolve anything either as it is the insurance companies that finance and elect them.

In searching for another insurance carrier we have come to a dilemma as we have realized the issues we have experienced are widespread and more predominant today with other insurance companies too. We strongly feel we've been betrayed by Obamacare - this law has simply doubled insurance companies' power to manipulate and at the end profit from peoples' healthcare needs.

On January 14, was told by Cigna that they wouldn't cover the medication I had been taking for 6 years. They told me that if a doctor can prove I had tried others, then they could make an exception (there is no generic). Then they told me that it would cost me out of pocket $1900 for 3 months supply. But, after I hit $5000 (my prescription deductible), it would be covered at approx. $200 for 3 months. I had never before paid more that $250 for this medication. After many phone calls with my doctors trying different medications etc., I cancelled Cigna and got insurance with another major carrier. My insurance is approximately $20 more a month with no deductible for medication or health. Additionally, each phone call to my new provider has been answered promptly and their website is accurate and easy to navigate. The cost of the medication to me was $210 for 3 months. My new insurance paid $1486 for the medication vs $1900 paid by Cigna. Why the difference? Also, if my annual premium is $5040 why not simply say it's $15,040 as nothing except annual preventative visits are covered until the $15040 is hit.

On January 14, I called the Cigna agent who sold us the policy to ask why my medication was not covered. I told her that I was concerned and that we were very careful in purchasing policies that would cover us for all eventualities etc. She said she'd get back to me. I also, as an aside, asked her to look into dental insurance. She said she would, but she felt Cigna was the best and would get back to me. Since my request, she has not called, texted, written, emailed or made any communication. However on February 13, when I was still following up on why/how to get my medication from Cigna, I saw a charge on my Cigna account for family dental for $161 paid for with my credit card. I never applied for such a policy. I never gave the rep. permission to use my credit card etc. After disputing the charge with Cigna directly, they did cancel the policy and refunded the $161 as "never enforced". My frustration lies with how did the agent activate the policy and charge my credit card without my permission?

When I cancelled my policy with Cigna, I had the Cigna representative confirm cancellation, go through my account with me, etc. On my Cigna account were 3 charges. 1. my Cigna health account $402, 2. the unauthorized dental charge $161 and 3. A new health policy charge for $426. (I have the print out.) The agent was very confused. Said she didn't know why there was a charge for $426. After researching this issue, it was determined that the $426 is for my new insurance with a completely different company who I am told has nothing to do with Cigna. I have the printout from Cigna's site with these charges. The commingling of databases between Cigna and my new provider appears to be a significant privacy issue.

Then in February, my son, who is on a separate Cigna policy, had allergy tests. I asked the hospital in advance the cost of the tests/day planned. They said, "$950 will be charged to your insurance (Cigna) or $450 if you pay us directly." Seeing as my son has insurance, I thought it's only right to apply it to the insurance, even at that inflated rate. I then had the hospital call in two prescriptions for eye drops and nose drops.

On the 19th, I called Cigna and spent 63 minutes with a rep. who had a telephone number from 7 years ago listed (this is a new Cigna account), wrong state address listed etc. He said he couldn't find the prescriptions. Said the doctor doesn't exist at UCSF Medical Center etc. I had to follow up again with the hospital who confirmed everything and then I reconfirmed with Cigna and I got a confirmation #. On the 25th, called Cigna again who said that the order came in on the 19th but was still processing. Said prescription deductible is $500 (again I was blind to this) and that the drugs would be $596 for the nasal medication until the $500 deductible was met, then would be charged at a regular rate of approx. $75. I followed up on March 5th to be told that they are still waiting for a reply from the doctor. They said they understood my frustration and the manager said that she'd follow up that day and overnight the drugs to us.

On March 10th I followed up again to be told that the order is being split. That they are waiting on confirmation from the doctor etc. I was so upset at all the time I had put into this simple prescription order that I removed our credit card information from the mail in prescription site. I spoke with a supervisor who stated it was not Cigna's fault and that they had to follow up with the doctor etc. All along, my prescriptions were never visible/trackable on the Cigna site. Because of the repeated issues with Cigna including the delays to medication delivery, I applied for new insurance with another company.

On March 14 two packages arrived from mail order. I called Cigna first thing March 15 to be told that I hadn't canceled the order. That the prescriptions, even unopened, cannot be returned. They said they confirmed my home address on March 13th with me, however I never spoke with them (I have a record on my phone with all inbound/outbound calls. No call was to verify any address and the Cigna profile had no credit card information). Even on March 15th when we called, they had the wrong phone numbers. And on the site, my credit card information is back in with wrong phone numbers. In essence, I was told there was nothing I could do. I will be charged the $649+.

I'm certainly dissatisfied with my experience with Cigna. Cigna has been unresponsive at times, did not fulfill our prescription needs, and continually crossed my private billing records against old internal data and external billing information.

I asked Cigna to check the recording between myself and the Rep, that call you can clearly hear me ask if the Surgery center is in network and the Rep confirming that it was. However Cigna kept making excuses of why they could not check the recording. I was left paying a 5,300.85 medical bill. The surgery center said they would help with some of the cost since I was misled. However I am still stuck paying a huge bill. I did everything right by calling to confirm that the center was in-network. CIGNA has been rude and mishandled my claim from the beginning. In my opinion the representatives are horrible and not properly trained to answer basic questions and CIGNA takes no responsibility for making huge mistakes and misleading customers.

Needless to say, we are not satisfied at all. With regard to the Cigna representative, this person is best described as "nice/nasty" aka "nicety". The name is burned in my memory and memorialized on paper. If the occasion should arise in the future that this person is on the other end of a phone call to Cigna, a prompt request for another representative will be made. Perhaps this rep will be recognized by Cigna for the excellent "script" reading done while speaking with this consumer.

Cigna has dug in its corporate heels and is demanding the step process even in light of prior success. The "step" meds are all generic and from heaven knows what supplier in some low wage, unregulated, part of the world . The step process can waste three months in showing ineffectiveness and getting the known-effective drug approved. Imagine being without the relief of a medication for this amount of time--all the worse if the deterioration is irreversible or life threatening. (Fortunately my issue is quality of life not death.)

When I submitted my prescription for this med to Cigna I ran into all kinds of problems as they really don't want to cover any rather expensive med even if it is listed as covered. I will spare you, gentle reader, the chronology, but suffice it to say that this went on for many weeks with frustrating call after frustrating call both from me and from my doctor's office. Essentially, Cigna wants to become the entity that prescribes your medicine even though they have virtually no medical history and are not doctors in any case. However, it is equally appalling that no one at the Cigna Medicare Part D call center seems to know how their own program works. I was given all kinds of erroneous information and it appeared that the call agents would tell me about anything to get off the phone.

At this writing I have been without this medicine for about 5 days and am feeling the effects of its absence. My doctor is preparing an appeal of the denial for the drug and has prescribed one of Cigna's covered generic step drugs so I will have at least some medication that might be effective. He has done so even though his diagnosis and experience points to a drug that is known to work well for my condition. My doc is a well-known researcher and professor at the most prestigious public university medical school in the US so he is no slouch on this matter. His assistant told me that it is not uncommon for insurance companies to block prescriptions that they don't want to pay for and is getting worse.

If I had it to do over again (and I will in December) I would not chose this company. In fact, I am angry enough to call my congressman as this appears to be an abuse of Cigna's Medicare Part D contract. Maybe a little pressure from Washington would get their attention.

I found a company, 45 minutes from my home that offers Aquatic Physical Therapy. I call my customer service number and verified with a representative, Jennifer, that they were "in network", made my appointment and had my initial evaluation. This is a company that is contracted with Cigna; however, they are not contracted with Ortho-net. So, after I have been poked and prodded and have a treatment plan designed, they tell me that they are getting mixed messages from Cigna, and that they have to call the insurance company again.

I get the call from Aquatic Therapy, and since Cigna is contracted, but Ortho-net is not, it is an "out of network provider", I will have to pay out of pocket until my ridiculous 3,500 out of network deductible is met. It is as if I don't even have insurance! I will have to pay for each visit out of pocket. I called again and spoke to another representative, Rachel, and she said there was nothing they could do, it is an out-of-network provider, and the full cost will be my responsibility until my deductible is met! As I mentioned, I am out of work, and cannot afford the cost out of my pocket, and now I am being denied needed treatment, unless I pay full price, with no offers of suggestion from Cigna, as to what I am supposed to do. Great job making my life miserable Cigna, you get an A+ at that!

I was confused because my medicines were partially denied, what was going on??? I had not gone through this process before and I trusted my doctor's office knew what they were doing when they called the pharmacy to order my medication. After all, they precertified everything and they do this multiple times a day. I have spent five months fighting CIGNA for reimbursement of my funds as it was not my fault my doctor went "out of network" for the pharmacy.

In the last four months I have repeatedly gotten more and more information for CIGNA from medical codes, diagnosis codes, and I was even told from the pharmacy at CIGNA that this often happens to people because the medical coverage confuses pharmacies and I could get paid back. Well as of 2/06 CIGNA has repeatedly refused to return my money and I am getting nowhere! I called my doctor's office trying to get a letter of support and hopefully someone there will help me. I emailed once and called once on Thursday and Friday and my doctor's office has not even replied. If CIGNA was going to deny my claim for "out of network" why did they make me get all that information over the last five months?? They've invented an excuse to deny me because they know they should have paid my claim.

I just can't believe they can get away with not paying people for weeks on end. This is why I payed into this insurance, to be insured on receiving pay checks in case something happens. But the reality is that it is clear it is their job and priority to NOT pay you. I'm still dealing with them, I was just told it can take up to 2 months to decide on long term disability pay. They starve people Back to work, how do they get away with this? Class Action suit, anyone?

After that, they said they needed pre-certification. It's a similar story with Speech Therapy claims with additional roadblocks thrown in of "invalid codes submitted" but no guidance on how to resubmit with valid codes. All this after the provider submitting volumes of clinical notes to Cigna at their request. Will be pursuing legal avenues with my firm's attorneys, but what a waste of time.

Finally we got them to put our money back which took 10 business days. Now I receive a bill for $225 for stop payment fees - again I call billing and they can't help and won't let me speak to a manager. I'm not paying fees for their glitch and they should be paying me fees for taking 5k out of my checking account during the holidays! I even had to submit claims thru my banking fraud department and block them from access to my checking account. What do I do? How can I get a hold of a manager??

She went on to say that she would personally make sure "you get to speak to our individual policy claims department... they can help you"! DING LINE GOES DEAD!!! This has to be nothing short of punishment for being one of Obama's pre-existing sickly mongrels that CIGNA has now ended up and "OPERATION BEAT THEM ALL DOWN UNTIL THEY ALL GIVE UP" is fully operational and serving its intended victims. I am done writing this as it's a waste of time. I just want to talk with a live Cigna person that can find me in their system! That's all.

Over the past week I've called them around 1/2 a dozen times, each conversation lasting around 1 hour with lots of time on hold to get this looked at. I was promised a callback from a supervisor in 48-72 hours. Never happened. Apparently there are 2 supervisors and 1 is out sick with the flu and the other is unavailable because they are in training! No one knows or can do anything. The representatives have no ability to call you back. Nor can they ask a question of the previous representative that had been looking at the matter. Dare I say this is the WORST experience I've ever had with a corporation. Even worse than Comcast.

Second problem--I'm eligible for an HSA with my plan, but I haven't received anything about that or who administers it. I want to make a contribution so I'm trying to call Cigna for more information, but so far I've been on hold/transferred to 4 different departments/etc and am not any closer to an answer after 2.5 hours on the phone. The real highlight of this experience was the operator (at the number that was supposed to be the one that could really help) who asked me what an HSO is.

Yeah, seriously. Who are they hiring? And why don't they train them? I'm beginning to seriously wonder if I'll ever get the information I desire. If not, I'm thankful the 2014 Open Enrollment runs until mid-March because I'm about two seconds away from dropping them and going back to BCBS. Yeah, they're a little more expensive, but I've never experienced this with them. I guess you get what you pay for....

In October, the pain returned. I handled it through my primary physician. For a while It was manageable. In December 2013 when the pain returned so bad that I presented at an ER, they did a CT scan and a fracture was discovered. I still tried to work but on December 20th, it was so bad that I couldn't stand it. I was sent to a surgeon by primary physician. He immediately ordered an MRI. Cigna immediately denied it. My physician called them... They caved and ordered it but would only agree to an imaging place that was cheaper than the hospital he wanted it done at. I went for the MRI. Very painful to lay flat for that length of time. God my disc... Paid a huge Co-pay... Took the disc to the surgeon and he couldn't even read it. It wouldn't even load on his computer system. He had nothing to "go on" for further treatment.

Called Cigna... informed them I wanted another MRI done at the facility of my Dr.'s recommendations. Of course they denied... I threw a fit... they caved....(all the while the clock is ticking and I am off work...) Due to the excruciating pain of the bulging discs, herniations and fracture... It was recommended that I be seen by a pain management doctor until they figure out what to do with my issues. My problems are in a tricky area....and I'm STILL waiting for a date for the MRI.

I see a pain management physician. FINALLY I have a little relief while they are figuring this all out. All the while Cigna is taking their time getting information to the short term disability I pay for... So naturally I'm not getting paid at the moment... My Pain management physician who is wonderful... caring... concerned and keeping comfortable during this process informs me that Cigna probably isn't going to pay for this. They do not believe in pain management as a viable option even though it's helping me tremendously for the moment. This is where my problem is.

Cigna dictates to me what they will and will not cover and denies EVERYTHING... more than they help. What exactly am I paying for? It's been nothing but trouble at every single "thing" I have had to do from a common cold Dr. visit...to this... Cigna is absolutely the worst. As I said before it's more about NOT getting you covered and well... than it is about getting you covered for medical treatments... and getting well. When all this is worked out...and I am able to go back to work which hopefully I will, I am going to apply for any other job and I am leaving because of the insurance... That's how bad it is. At 52 years old, I can't afford to be denied for everything and anything.

I'm out $4650 because of the negligence of my medical provider, who never took my Cigna card and never processed any claims through Cigna since 2010! I'm trying desperately to recoup the money I've spent now that I know that she's an in-network health care professional who participates with Cigna. I was not told this and never knew until Aug. 2013, and I've seen her since 2010. I've been paying money to her since then to the tune of $4650! She should have been submitting claims to Cigna all along, but she did not! So now I'm running myself ragged, speaking to 8-9 Cigna employees who all give me different stories. In Sept., I mailed Cigna ALL the claim forms and info they requested. It was 185 pages long and paid for a return receipt.

I called Cigna yesterday, asking about the status of the 2013 claims. I learned that they'd just shoved the 2013 claims in some "dungeon" for dead, null claims. Why did they do that? One of the CPT codes on the claim, written by my provider, was missing the last digit! Instead of notifying me or the health care professional, though, Cigna just put the claims in a claim "graveyard" and had no intention of telling either one us that one of the codes was short a number. That would have been an easy fix.That scenario would have required that a Cigna employee would have to DO THEIR JOB. And Cigna would have to pay those 2013 claims. That's something they don't want, so instead they chose to pretend that the 2013 claims didn't exist.

The employee I spoke with yesterday - for 90 MINUTES - promised to call my medical provider's office manager to "coach" her through filling out the 2013 claims with the correct CPT codes and diagnosis codes. (This is something she SHOULD know how to do).

Yet today, after NO promised follow-up Cigna call, the officer manager told ME to give Cigna the conversions of the "old" CPT codes to the 2013 codes! (I'd found the conversions online). It's not MY JOB to provide code conversions to my insurance company. It is THEIR JOB to know the codes and it's the medical provider's office manager's JOB to file the claims CORRECTLY and to be in touch with the insurance company!

I have done SO MUCH of the legwork here: phone calls upon phone calls, printing 185 pages of claims, running out of printer ink and running to go buy more, spending almost $15 mailing those claims, calling again, seeing that 2013 claims don't even exist on the web site as "pending", like the older claims say. Then I'm calling again just to be told that Cigna "never received any claims from 2013". After I yelled, the Cigna employee magically "found" the 2013 claims - with the one-number-off CPT code - in the "claims graveyard". Supposedly she resubmitted them to the "claims department" yesterday. So now I can wait another 2 months before they're returned to me with "rejected due to lack of timely filing".

I am at wit's end doing ALL the legwork here. I was the one duped out of $4700 in bogus co-pays. But I'm the one calling, checking the website, asking questions, taking notes, calling again, being on hold and disconnected, and being assured by my own medical provider that she'll "make sure it's done correctly", as she omits the last digit of the CPT code!

Nobody wants a resolution. The medical provider already got her money from me. Cigna wants me to go away so they never have to pay out on my claims. So it's only me, alone, fighting by myself, trying to recoup money I never knew I didn't have to pay! The Cigna forms all say, "Your in-network provider should be filing your claims for you." What a joke. I'm doing everything MYSELF, talking to 9 different Cigna employees who all tell me different things while condescending/placating because they want me to just go away. I want the $4650+ that I am owed, out of which I was duped as I spent it needlessly in that office! This is now affecting my health. Can anyone help me in any way?

Two weeks into her move to the nursing facility, the social worker at this nursing facility told us the Cigna was only covering 30 days of her stay at the nursing care coz she has an individual insurance coverage (she purchased this policy on her own coz she lost her job 4 years ago and she took care of my mother for 2 years. Our mother passed away 2 years ago. She tried to get another full time job but could only get part time work at minimum wage and no insurance). We were told that she will need to move elsewhere and the option Cigna gave us were in home help or hospice. Both are not possible because the house she lives in has too many steps with the bathroom upstairs and my brother who she lives with works long hours and an hour commute to and from work. His business also takes him out of town a lot. Hospice is out of the question right now because she is very alert and knows everything that's going on.

Her progress with her therapy amazes the doctors and therapists. She is very positive and doesn't dwell on what is happening to her and worries more about everyone else. Her left arm is getting stronger every day and she can now walk around with a walker, but needs someone to watch over her. We were told yesterday that Cigna will not cover her transport to and from radiation once she leaves the nursing care facility. They are taking her to radiation treatment tomorrow and it will be our responsibility to drive her to the board and care home WE found. I am not comfortable she is safe for discharge, but we are being forced to take her out of that facility since Cigna refuses to pay until the end of treatment. We will also be driving her back and forth for radiation treatment starting next week once she's out of the nursing care facility and in the board and care home we found which we will be paying for out of our own pocket.

We don't know how long my sister will be with us so we want what's best for her. She took care of our parents during their last days, worked for over 30 years with a good paying job before getting laid off 4 years ago and had to work part time at minimum wage after that only now to be told she has brain cancer with 8 months to live. We feel that Cigna is pushing her aside with no regard to her condition especially when we were told our choice were in home help or hospice. My sister is very much alive and hospice shouldn't even be given as an option. We had to put our mom in hospice before she passed away two years ago and know very well how that works. Cigna shouldn't give that as an option just because one has a terminal illness. Miracles do happen. To us and her doctor, her progress is a miracle since when they first saw the tumors, they didn't think treatment would work. We know she will leave us someday, but while she's alert and communicating with us, we feel she should be given the care she needs and not pushed aside.