Cigna Health Insurance Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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