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Cigna Health Insurance Reviews and Customer Comments

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These are comments left by site visitors who have completed a survey for this company. The comments are unedited and shown in the order the surveys were received. If you would like to participate, just click the "Take a Survey" button at the end of these comments.

"I need an updated MRI of my brain because I am experiencing new symptoms that are connected with possible growth of a cyst. Cigna denied my MRI because it was not medically necessary according to them. Meanwhile I am paying a large sum of money to be on their plan. Is this the new health insurance or just Cigna. I am glad I am just a number. "
Commented on 2014-11-20 08:52:38 EST
"It seems very amazing the amount of lawsuits filed at all levels on this Ins Co. I am going elsewhere. "
Commented on 2014-11-18 11:02:48 EST
"Stay away from all Cigna Insurances this has to be the most lousy insurane ever. They will deny any claim you have stay away. "
Commented on 2014-11-13 22:54:01 EST
"Lousy insurance Co stay away from this Co. They do everything they can to deny claims. "
Commented on 2014-11-03 13:34:16 EST
"Cigna told me they would cover a certain surgery if i signed on to a plan. I signed on to the plan and now they are saying they are not going to cover it. They are immoral and unjust on all levels as I am finding out. I would never ever ever sign on with them again. DO NOT SIGN UP WITH THEM. I have had better experience with every other insurance company I have been with. "
Commented on 2014-10-27 15:25:35 EST
"I would suggest that everyone stay away from Cigna."
Commented on 2014-10-15 18:04:56 EST
"Cigna life insurance was offered by my employer. Stated open house for employees and spouses. NO MEDICAL QUESTIONS. No Health questions needed. Guaranteed Coverage and cannot be turned down. Life Insurance was purchased for my wife. When she became ill and passed away CIGNA denied the claim stating that health information was obtained from the hospital and based on this denied the claim. Despite the dispute CIGNA continued to collect the monthly premiums from my payroll for an additional 6 months until I petitioned repeatedly to my employer and Consumer Protection agency. The life Insurance was never paid despite my appeals. Upon further investigation of other reviews and complaints I discovered that CIGNA systematically denies up to 65 % of life insurance claims.The Truth is CIGNA has committed fraud against consumers and should be dissolved as a business and all prior claims be reviewed by a real Consumer protection Agency. "
Commented on 2014-10-12 21:26:28 EST
"We have Cigna Dental and their payment rates to the providers are AWFUL The usual and customary rates are almost 25% less than other carriers for the same services. They also issued me a check for orthodontic services and the check bounced I have already sent the provider his money so I am now out the full load plus a return check charge from my bank The reps have no idea that the check bounced and insist that I cashed it. WTF This is a LAWSUIT and they should no longer be able to provide insurance in my state if I have anything to say about it"
Commented on 2014-10-11 10:38:35 EST
"I realize most people post when they are upset. Today I got a call from Informed Choice to let me know that the place my husband chose to get a scan would cost 3 or 4 times as much as another local place. They got a conference call going and authorized the scan and set the appointment for me. I did not give extremely happy rating because there are a couple of things I wish they could do for me but thankfully at least we have insurance through my husband's work. I am certainly very satisfied with phone communication. "
Commented on 2014-09-24 19:24:36 EST
"Don't get sick with these carpet baggers. The 500 dollar deductible would be a nice thing to post on the insurance card but good luck with that."
Commented on 2014-09-17 22:01:13 EST
"Cigna is horrible to deal with. Has held claims for as long as 3 months asking my doctor to code and recode them. They keep applying bills I've paid to my deductible even though I've already met the very high deductible. They are slow and unresponsive to inquiries. Their website lists "in network" doctors who won't take their insurance. Their activity borders on fraud. Stay away"
Commented on 2014-08-14 14:53:40 EST
"The Cigna Dental Insurance is always a problem. Constantly deny claims the first time and then I have to call multiple times for months to get anything resolved. I even ask the dentists for upfront estimates to be sure of what will be covered and there still seems to be problems. They are the worst company to deal with. Don't use this company."
Commented on 2014-08-07 17:23:15 EST
"They used to take ten to fourteen days to pay out now they take over a month. "
Commented on 2014-08-04 04:13:52 EST
"Denied almost all claims after requesting so many paper work and making many phone calls. The strategy I think is to get customers sick and tired of the cumbersome process that they will pay from pocket. That is what we did - pay from our pocket than go thru all the frustrating hassle. Good work CIGNA. "
Commented on 2014-06-26 14:48:46 EST
"I asked for and was granted pre-approval for a device to wear for my neck insurance paid the months later............they want their money back They are a very low sneaky and deceitful company...........sending people on wild telephone goose chases which get the customer no where.......wouldn't recommend them to anyone They take your premiums and run"
Commented on 2014-06-24 20:53:19 EST
"Horrible service with rude staff. Keep requesting the same documents over and over again no dispersal with out documents. I have signature mail receipts signed by them and they still deny they got them. Also deny they got my Doctors numerous faxes HORRIBLE Thieves scum bags of a company...stay away at all means"
Commented on 2014-06-06 21:50:38 EST
"Cigna's coverage is worthless. They deny all claims. "
Commented on 2014-05-28 12:02:30 EST
"my problem is with the Part D and mail order prescriptions will not have them next year"
Commented on 2014-04-21 12:08:04 EST
"Cigna home delivery is aweful. They send you other peoples meds. They send you the wrong dosage when they finally do send you your meds. Ive been waiting right now 35 minutes for someone to talk to me. They are a joke the really SUCK "
Commented on 2014-03-18 21:34:05 EST
"Denial of surgical procedures for months on end. Took so long they got another deductible out of me"
Commented on 2014-02-17 11:27:04 EST
"The customer service is terrible the billing system non-existent there is no way to get a customer service rep on the phone. After paying my premiums and they took my mony they can't find my account. STAY AWAY...... "
Commented on 2014-01-31 16:12:07 EST
"Shame on Cigna and other health insurers. Because of Obamacare they are moving the start date of 2014 polices back one day to 12/31/2013 so they can increase premiums before the new law takes affect on 1/1/2014 which may have lowered them for some folks."
Commented on 2013-11-18 17:17:31 EST
"They will deny every diagnostic procedure ordered by your doctor. "
Commented on 2013-11-01 20:38:52 EST
"Stay away from this company especially if you can not handle being stressed out. These people at CIGNA are absolutely honorable in every sense of the word. WARNING Avoid CIGNA your life may depend on it."
Commented on 2013-10-29 17:52:15 EST
"Terrible. Focus solely on short term financials. No thought to patient. All processes are obviously set up to deny care.Would like to see them prosecuted."
Commented on 2013-10-29 09:45:56 EST
"Their directory of doctors is outdated. I made two calls and none of the doctors listed work in those offices. Glad it is not an urgency but how can they NOT update their doctor's network?? After reading other comments here it might be better to just go to a doctor and pay it all out of my pocket just to save me the hassle and stress of dealing with them. "
Commented on 2013-10-15 14:21:32 EST
"I've been reading the complaints about Cigna which I too share. They know exactly what they are doing when it comes to denial of service. some people think it's a game it's's math. They have formulas they use. What they want of course is people who are paying in and drawing nothing out. They are currently denying an MRI my Dr.ordered for my back. This isn't the first time. I was temporarily notified they were not going to pay another MRI bill a couple of years ago for a knee situation. They sent out a ridiculous set of instructions that one should use to determine if an MRI was needed. Of course the joke was that my Dr. is also a teaching professor at the top Medical school for hundreds of miles. What they would like you to do is get mad and cancel. I refuse to do so...My family is just costing them too much money...I don't care. I'll make them pay until I eventually die."
Commented on 2013-10-05 17:43:18 EST
"My husband gets his medical coverage through his employer the USPS so thankfully knowing what we do now about how terrible his choice of Cigna was we will be changing at the end of this year.In December my husband developed heart failure and he ended up in the hospital three times and to begin with Cigna seemed to be okay with paying the 80% of his medical bills until his cardiologist who is an in network provider said that he needed to have an internal defibrillator implanted to save him in case of sudden cardiac arrest.Apparently due to too much Medicare fraud concerning the implantation of these devices the government a few years back started requiring that a doctor have a 90 day waiting period before they implant the device to see if medication would be enough to help the functioning of his heart and his cardiologist said that he recommended that for that 90 days he use an external defibrillator just to make sure he was safe. There is only ONE company that makes these devices and basically rents them to the patient for that 90 day period and his doctor said not to worry because it was fully covered by his insurance which as we found out from Zoll themselves is USUALLY true.My husband reached the cap on his out of pocket expenses for IN NETWORK coverage meaning that Cigna should have had to fully cover anything else he had done for the rest of the year and lo and behold we received a letter from Zoll NOT Cigna alerting us that Cigna took it upon themselves to decide that this device again the ONLY one made in America was considered an OUT of network claim and basically what Zoll told us is this is unheard of as they have never seen another insurance company do this so Zoll themselves is filing an appeal on this decision for us. When my husband actually called Zoll and asked them if this was standard the Zoll Rep.said and I quote " they are a bunch of SOB's at Cigna".I have nothing but glowing reviews for Zoll as they are doing everything to represent us and let us know what is going on while Cigna never cared to even notify us of their decision. My belief is that since my husband reached his out of pocket cap for the year on his IN network coverage this scam of an insurance company just decided to say that this was an out of network claim.Would someone tell me HOW this life saving device which his IN network cardiologist said he had to use for that 90 waiting period and is ONLY made by Zoll specifically for the purpose of keeping patients like my husband alive during that 90 day government MANDATED waiting period could be considered out of network? To me what they are telling my husband is that they have the right to decide that even though there was NO choice as to any other device manufacturer in the entire country he can either suck up the costs or he could have chosen to die. Stay as far away from this fraud of an insurance company if you can and if this is the only choice for insurance through your employer get a bunch of fellow employees together to form a complaint with your company to get your health insurance company changed. "
Commented on 2013-09-18 09:36:22 EST
"Hit and miss with Cigna. It's always a game with them about what they don't want to cover."
Commented on 2013-09-16 21:37:53 EST
"You will pay a high premium and have a large deductible and still end up paying more out of pocket. They refuse tests needed at the risk of patients health they refuse to approve procedures. your out of picket will be expensive. Rude on the phone. If your co has this insurance you aren't alone in loathing having to deal w these people or this co. you pay out but get nothing for it. Absolutely the worst insurance co. "
Commented on 2013-09-01 16:55:22 EST
"Customer Service reps seem to only be trained to transfer you to a different department who then tells you it's not their department or disconnect you. THis will go on for hours and days. After notifying them of change of address they insist on mailing checks to an address I had 2 years ago and they insist this is their policy yet their bills have the ability to be sent to the correct address. I frequently get calls for another cigna subscriber Ernest M... and they refuse to acknowledge they are calling the wrong number for the past 2 years. The most incompetent rude company I have ever dealt with. I cannot understand why they still have the ability to conduct business. To think a company with their conduct has the ability to manage one's health care is a travesty. A very sad day in America."
Commented on 2013-08-15 11:05:04 EST
"This company should be out of business. They don't train their reps who are rude and clueless they refuse claims routinely they reimbursed me 132.50 on a 660 claim for mental health benefits stating that "another insurer" had already paid a complete fabrication they are just hopeless. I told them if they don't get their act together they'll have to pay to institutionalize me -- that I need mental health treatment and meds as much as I'd need insulin if I were diabetic. I hope they understood the word "institutionalize" -- I don't know where they find these people who answer phones but no questions."
Commented on 2013-07-30 09:30:23 EST
"Run away from this company. They deny almost every claim. They never approve any test that needs pre-authorization. Their service representatives are clueless. My doctor ordered a MRI that they said wasn't medically necessary. They think they know more than the docors. They are making it impossible for doctors to do their jobs. People are going to die because they aren't going to get the care that they need because this company won't pay for your care. RUN"
Commented on 2013-04-12 22:12:19 EST
"The only thing Cigna cares about is it's bottom line. They know nothing yet challenge every decision doctors make.Soul-less Bloodsuckers."
Commented on 2013-04-09 09:06:06 EST
"Our company Cigna for health insurance two years ago. FSA accounts They provide a charge card for FSA expenses. Do not be fooled. This is a joke Not only do you have to submit a paper claim anyway they cut off your FSA account if they cannot keep them straight. It is sad that Cigna is so disorganized and confused that many of my coworkers who qualify for an FSA have given it up since they took over. I will be next. They cannot handle more than one FSA expense at a time even if only for 5.00. Even the most clearly validated expense must be submitted individually or they cannot figure it out. They inundate you with reams of useless mail their website is chaotic and confusing and their customer service is appalling. If I ask three Cigna agents the same question about coverage I get three different and conflicting answers As for medical expenses One week they cover an expense. The next week they do not cover the same expense. You never know what is covered. If you ask them they tell you to go ahead and get the treatment and then they will give you an answer One young teen who lost her leg was told her prosthetic would be covered. After she was fitted and wearing it for a month they denied coverage retroactively. Cigna is the worst mess I have ever had the extreme displeasure to deal with. "
Commented on 2013-01-09 20:09:36 EST
"They dont want to pay for anything but they want to charge you an arm and a leg for insurance. They are a joke How in the world are they still in business???Shame on you Cigna"
Commented on 2012-10-22 23:29:20 EST
"Stay FAR away from these CROOKS............"
Commented on 2012-09-05 21:50:58 EST
"I have no choice. This is the only medical my work offers. Would NEVER pick them on my own. Way too much bull."
Commented on 2012-09-03 15:29:16 EST
"constant denials claiming paperwork incomplete/missing/filled out wrong."
Commented on 2012-08-27 23:14:43 EST
"My employer uses this insurance and it is my only choice. I have had several problems. Do not choose this insurance if any have any choice. Countless mistakes are made always in their favor. They pay such a low rate to doctors many do not take it now. They will do everything in their power to avoid or delay paying claims - including deception and I believe unlawful practices. Hate them. They have taken over my life trying to get them to pay what they legally should be paying. "
Commented on 2012-08-18 00:15:43 EST
"They are the absolute worst company ever. They do not pay their bills at all. Every time even if it is at a different place they do not pay their bills at all. They always blame the doctor. They should be ashamed of theirselves for such crappy insurance and service and this is for a 1400 a month policy. CRAP is what you get when dealing with this company. I would highly recommend not getting this. We can hardly afford our bills as it is and now we have to pay for drs bills too. A piss poor company is what it is. AND they are refusing to pay a bill now saying it is out of network and it is in network they are the idiots that reffered me to the dr I took my son too. IDIOT"S for sure DO NOT TAKE INSURANCE OUT WITH THEM"
Commented on 2012-08-01 09:22:57 EST
"Vey difficult to deal with. Every bill takes phone calls and arguments to get covered."
Commented on 2012-07-31 22:19:51 EST
"continual rising costs"
Commented on 2012-07-10 12:10:23 EST
"CIGNA has network doctors who under contract are supposed to provide discounts but when you get the bill the providers DO NOT GIVE THE DISCOUNT CIGNA says they cannot make them give the 50% discount so you are left holding the bill and CIGNA only pays 50% of your bill because of a non-existent 50% discount. "
Commented on 2012-06-12 02:54:35 EST
"I do not believe they are in compliance with the mental parity act."
Commented on 2012-03-20 21:57:26 EST
"Cigna is a joke. They change their in-network providers without any notice to the member or the provider then deny claims from those providers. Quite the racket."
Commented on 2012-03-13 13:47:18 EST
"My doctor required a test to be done in order to better diagnose my problem since this was second doctor i visited after the first diagnosis wasnt correct I wanted to do the MRI he recommended Cigna had outsourced the decision to approve pre-approve the MRI to a company called Med Solutions. Med solution rejected to approve my testing and asked for more information from my doctor. He sent it and I had to wait 48 hours for the decision. The y rejected again with no explanation to me of what so ever . now I am stuck with my condition and doctors cant diagnose. Cigna outsourced the preapproval of imaging to this company so they can reject these requests and probably are paid by how many they reject I dont know what to do now Because Cigna doesnt give me any solution This is the worst service ever. "
Commented on 2012-01-31 15:05:08 EST
"they have consistently made errors in claim management copays and deductibles. We have spent hours to achieve a resolution to no available. None of the customer service people are knowledgeable in their claims coverages or deductibles. Response times to numerous calls are non-existent. Problems disappear into a blackhole. They continue to bill us for claims which have exceed the co-pay limit."
Commented on 2012-01-31 11:16:15 EST
"Very dissatisfied. Have had a lot of trouble with Cigna and their customer service. I have to call Cigna each time they reject a doctors visit to walk the Cigna service rep through their own website to show them that my doctor is in network. THey have made continuous mistakes in covering me and I get hounded by by doctors office to pay since Cigna is not paying when they are supposed to. The customer service does not know about company plans and are unable to help with issues."
Commented on 2012-01-04 16:04:57 EST
"They constantly deny claims even when authorized as neccessary by doctors"
Commented on 2011-11-16 22:33:16 EST
"My husband and I have health insurance with Cigna through our employer so weI have no choice. The quotation marks indicate a laugh-line. Cigna pays little and sometimes nothing for claims keeps doctors and facilities waiting for as long as it likes and has a ridicuously inefficient and unresponsive prescriptions-by-mail program. Customer Service CS is non-existent. We endure lengthy descriptions of what CS cannot do. You will be bombarded with comments like Why are you angry with me and Its not my fault. But best of all you are likely to be promised by a Suupervisor that everything will be taken care of immediately. I should insert another laugh-line here. Its been difficult dealing with Cigna and I do not look forward to the continued realtionship. I wish my firm would choose another provider."
Commented on 2011-11-03 16:22:55 EST
"Reasons for denying claims are many and varied and often depend on whom youre speaking with. Write down the name of the agent date and ALL details of every conversation. When the customer keeps this information it saves time and some of the heartache of trying to get claims through. "
Commented on 2011-11-01 12:39:39 EST
"Unfortunately I work for Cigna and my benefits are the WORST Ive ever had. Even my claims are routinely denied for no reason but when I call to follow-up they are suddenly approved. Not just once this year but FIVE times. Our shareholders are the most important person here not our members. We are NOT in the Healthcare business we are an insurance company and dont want to pay money...even though we are making Billions of dollars each financial quarter. It makes me sick to work here. We spent FIFTY MILLION dollars to rebrand ourselves with a new logo and ads on TV and in magazines so you will think we are trendy. GO YOU is our new catch phrase...and you should GO somewhere else to get your insurance."
Commented on 2011-10-31 11:12:14 EST
"Weve been under Cigna for several years and have had not problems with coverage for our entire family. Kids get regular check-ups preventative care is covered etc. All bills are paid and EOBs sent with description of what was covered. No problems. "
Commented on 2011-10-23 00:21:38 EST
"possible heart attack...5 days in the hospital with numerous tests. 17000. bill. They refuse to pay saying it was medically unnecessary. Seriously Denied all appeals including cardiologist. Seriously"
Commented on 2011-09-22 19:29:03 EST
"I have no choice of health insurance companies and therefore have been with CIGNA for many years. As a seasoned subscriber I strongly recommend that you NOT use CIGNA unless they completely revamp their business methods from the top down."
Commented on 2011-06-28 15:04:56 EST
"They would have you denied of benefits to save them money period. They hassel Doctors and have scripted responces. we need more information. that is pure B.S. We have the best goverment that corporation can buy. Its all about Corporate GREED "
Commented on 2011-06-05 10:32:52 EST
"Went to a Chiropractor that was with Cigna. Cigna repeatedly said they were not."
Commented on 2011-05-24 18:06:10 EST
"First of all they dont consider a dermatologist appointment for a preventive check up on moles etc PREVENTIVE. Supposedly since it is a specialist. I have to pay for it (since the deductible is so high I never reach it anyways till the year is almost over-smart move from their side not having to pay for too much grrr) Also you have to get a procedure approved and then when cigna sends a letter it is approved and will be covered-they dont mean covered as paid for-no I still have to pay for all that is left after their negotiated discount (since it is in network) since I did not reach my deductible yet. I would have never made an appointment for this if I would have known covered does not really mean covered!!! I had enough of it seriously... I am so fed up with all that!"
Commented on 2011-05-20 14:11:39 EST
"DO NOT TRUST CIGNA! After having 3 strokes and a heart attack I went through extensive rehab (not through CIGNA). I attempted to go back to work on a trial basis and realized that I could not perform my duties. The rehab doctors and therapists confirmed that I was disabled. I applied for Social Security disability and for CIGNA short term disability from my employer prior to applying for long term disability status. Social Security approved my claim without any need for appeals or lawyers. CIGNA and Social Security were both provided the same documentation. CIGNA has done nothing but string me along. CIIGNA: We didn’t receive the information, the information we received was insufficient, your claim has taken too long and is being closed, we need additional medical information, we need 30 days to review the medical information, we need an additional 30 days to review your information, etc. I have been disabled since November of 2010. It is now March of 2011. I will not receive Social security income until May. My family and I are in extreme hardship because CIGNA will not honor its commitment to provide disability benefits. THIS COMPANY IS NOT TO BE TRUSTED! "
Commented on 2011-03-25 12:34:07 EST
"The HSA program that my company switched to is terrible. I consider treating depression a preventative step, as the health consequences of untreated depression can be detrimental. Unfortunately my insurance company does not agree. "
Commented on 2011-03-08 15:51:19 EST
"My daughter went to the E.R.then had a seizure.She was admitted,the doctors told me she could not go home.She spent 3 days there,After 10 months of getting the run around they still have not paid the bill."
Commented on 2011-03-08 11:44:55 EST
"Representatives are courtesy but...The Rainmaker starts playing in the back of your mind. Our Flexible Spending Account reimbursement takes a minimum of two phone calls at best. Faxes aren’t received even though we have a fax confirmation. Magically in the denial both faxes have been processed. When on occasion there is an error on your form and you try to find out how to correct it, you are given the wrong directive to fix it. If you have a HSA and/or FSA, just get ready to resubmit and make three to four calls to finally retrieve your money."
Commented on 2011-02-04 14:49:34 EST
"CIGNA makes a pratice of giving their customers the royal run-around. This is the worst insurance company I have ever had to deal with. CIGNA was picked by my company and they have nothing but complaints from the employees. The rates are extreamly high, the coverage is poor and their customer is anything but customer service. To rate CIGNA we need to be able to use negative numbers."
Commented on 2011-01-12 22:42:22 EST
"terrible coverage for the money it costs!!!"
Commented on 2011-01-09 18:00:37 EST
"Cigna owns other smaller companies such as Great West. Although the card you carry says Cigna, as we did, we found out that Great West does not honor Cigna insurance and their respective in net work providers. Great West says that medical facilities must individually provide proof that they are Cigna providers."
Commented on 2011-01-08 07:36:37 EST
"Terrible company with terrible costumer service."
Commented on 2010-12-27 17:27:29 EST
"Our company had CIGNA as an FSA administrator for 2 years. They were awful. It was such a pain to get our own money back."
Commented on 2010-12-08 15:17:03 EST
"too expensive"
Commented on 2010-11-22 20:19:09 EST
"Seriously considered not signing up for fsa next year because they are so unorganized and paperwork heavy. They require an EOB for every receipt and routinely deny perfectly eligible expenses. When you have $2,000 to $2,500 each year in small claimed increments ($20 or so) you need to submit reams of paperwork. For fifteen years we had 4 or 5 different companies and all they required was receipt and claims form. Needing to log onto blue cross to get an EOB for each receipt and waste a full sheet of paper for each $20 copay is totally inefficient and wasteful. Decided to try the FSA card they sent us, but it has been a nightmare. Some weeks we get 3 or 4 letters from cigna telling us that a claim has been denied. Then I need to call them so that they will actually look at the paperwork I sent (and in some cases faxed up to 3 times) before they accept it. Fortunately the company I work for got us ADP. It cannot help but be better!"
Commented on 2010-11-18 20:03:16 EST
"This company is a nightmare if you have to file your own claim."
Commented on 2010-11-15 22:07:48 EST
"HORRIBLE... HORRIBLE... HORRIBLE!!!! enough said.. i cannot believe what a scam this insurance is. I am better off with out any insurance!!"
Commented on 2010-10-31 21:19:19 EST
"The maximum annual amount that CIGNA pays is very small so this insurance is not an asset that is worth having. "
Commented on 2010-10-26 21:09:51 EST
"Mulitple times the precertification dept would say that a test or orthosis for my special needs child was covered, so we went ahead with the tests or ordering the orthosis. Then after it was done, they would deny the claim, leaving me holding the bill for the whole amount. About $10k total I ended up holding the bill for. "
Commented on 2010-10-18 12:39:36 EST
"The only person I would recommend this insurance to is a person on death row at 11:59pm."
Commented on 2010-10-04 12:59:01 EST
"Very rude and unresponsive to client issues "
Commented on 2010-10-01 14:14:01 EST
"Cigna is the worst. Run away, FAST !"
Commented on 2010-09-14 12:02:28 EST
"They are unhelpful, everything is more expensive, the benefits are extremely low, co-pays high, things are rejected out of hand for silly reasons but eventually paid."
Commented on 2010-09-04 09:28:40 EST
"I have been paying for Dental insurance from Cigna for 9 months now and have yet to have my records processed every time that I call in they say that I am not fully in the system and cannot receive services until I am."
Commented on 2010-08-29 00:22:21 EST
"My wife and I went on picked a dentist close to home that cigna covered. Went to an appointment and then received a bill. Cigna refused to pay any amount because they stated we did not select an approved dentist. Even after showing a rep the dentist is on the list and still is to this day they still refuse to pay even a partial payment. Stay away from this health care provider. "
Commented on 2010-08-20 11:55:26 EST
"Avoid at all costs."
Commented on 2010-07-27 16:28:23 EST
"Stay away from these criminals."
Commented on 2010-06-28 18:03:51 EST
"CIGNA denies claims routinely and then assumes you will not take the time to fight them. They use their unclear policies to deny coverage."
Commented on 2010-06-02 11:28:08 EST
"I would like to see this offered to Individuals in the state of Nevada outside of the employer soon or explain why not"
Commented on 2010-03-28 13:50:27 EST
"Poor provider participation. Impossible to get through to a provider, in network, in my state."
Commented on 2010-03-26 13:29:23 EST
Commented on 2010-03-02 14:16:05 EST
"denied denied denied, thats all they do. Stuck with these idiots through work, I may even change jobs to get away from cigna!!! Avoid if you can"
Commented on 2010-02-16 22:21:07 EST
"First claim from pediatrician (Daughters 1 year shots) denied????!! I had called the pediatrician to make sure they accepted them and they do. I already hate this insurance company."
Commented on 2010-01-29 08:23:39 EST
" Insurance company told us that ambulance company participated in a network and took a lower payment, but they were wrong... paperwork, phone calls, hassles... Insurance company denied coverage for hearing evaluation on 5 year old child due to the way it was "coded". Child was being evaluated for persistent hearing loss which was significant and ultimately underwent adenoid and ear tube surgery. Tedious. Paperwork, phone calls, hassle... "
Commented on 2010-01-20 09:41:42 EST
"Never ever"
Commented on 2010-01-07 14:33:10 EST
"takes an act of god or the insurance commissioner to get a denial reversed"
Commented on 2009-12-26 11:00:15 EST
"If you want your claims denied, go with this company. It is the worst I have ever dealt with!!!"
Commented on 2009-12-09 16:45:12 EST
"Hardly covers anything for prenatal care. We paid majority. "
Commented on 2009-12-08 17:58:48 EST
"This is hands down the worst medical insurance that I have ever had. As a federal employee I decided to give Cigna a shot, well big mistake. Thank God and the heavens it is now open season. Cigna, good by and I hope you go bankrupt!!!, seriously!"
Commented on 2009-11-25 14:00:53 EST
"This was a workers comp claim and even though I was permanently disabled by federal standards I only received 10 years medical. I know I really got the screws put to me."
Commented on 2009-11-19 20:17:19 EST
"Life insurance claim-has been over 4 months and has still not paid"
Commented on 2009-10-28 10:54:33 EST
"They would not pay my chiropractor bills instead trying to bill other insurance companies I had in the past , even though they were closed . One was dental insurance I had years ago . The other was a insurance company that was canceled 2 years ago when I changed jobs . I just want them to pay my bills and not try to pass it on to someone else .I pay them and they should pay . Where I work we have Blue Cross Blue Shield and Cigna . They just lost 1,000 customers when we decided to make Blue Cross Blue Shield our only provider . During our employee meeting this news got a standing ovation with continuing applause .It has been 4 months and my chiropractors office will bring them before an insurance fraud board . I have had to go between all this and have had much grief . I do not need this I have enough things to worry about . "
Commented on 2009-10-26 21:29:26 EST
"problem with our group policy was they didnt want to honor the coverages that were presented to us when we enrolled in plan"
Commented on 2009-10-16 00:02:14 EST
"When my PCP tried to call this company and explain why I needed certain tests that he prescribed, he was ignored by their services group and the group called Med Solutions that does the medical review for approval. What a shame that a company has an operating policy to delay care that is needed. I will definitly recommend my corporation to drop this insurance company as a provider."
Commented on 2009-10-12 17:28:32 EST
"Any condition you have will be assumed to be pre-existing. You will have to fight to get it covered and even then you may still have to pay. The best advise I can give with this company is DONT GET SICK."
Commented on 2009-09-29 12:13:47 EST
"I had to undergo- a prostate biposy and all else related to to it- I am now lloking at a $799.10 payment to my urologist- the bill /invoice by itself is comploicated enough "
Commented on 2009-09-14 16:52:38 EST
"The worst insurance company EVER. I dont understand how every claim that they have gotten for myself and family can be considered pre existing?? I was in the hospital for several days with a viral invection almost 6 months ago and they have denied the claims for pre existing. Better yet my GF who is covered on the policy is now pregnaunt. suppose to be a very exciting time in our lives but CIGNA is making it a nightmare. i had the insurance longer than 6 months befor the pregnauncy and they are dening claims for a new prgnaunce for pre existing. HOW THE HELL IS THAT PRE EXISTING?? I hate CIGNA and the retards they have working at that place they are all crooks and liers!! DONT EVER GET CIGNA if you have the choice.... "
Commented on 2009-08-10 22:35:29 EST
"To restricted and overall a rip off for PPOs"
Commented on 2009-07-31 23:49:33 EST
"From $1300 that I spent on my chiropractic visits they reimbursed me only $190, with explanation that was even hard to follow. I pay $200 every month for that policy. It sucks!! and I can not change it until the next enrollment period. I feel like Cigna is doing whatever they can to get from their clients whatever they have!"
Commented on 2009-07-29 15:23:38 EST
"always treated well when i call them for any questions. I have open access plus. after my deductible was met i paid amazingly low prices for treatments and pharmacies. one example.. i was taking a medication that cost $130 (for the generic)without insurance and $58 with but after my deductable was met i paid less than 3 dollars"
Commented on 2009-06-29 11:05:05 EST
"Cigna is a sorry excuse for an insurance company."
Commented on 2009-06-27 13:19:37 EST
"Extremely poor customer service. They now have us go through curascripts for speciality medication. Curascript takes atleast 2 weeks to fill your prescription and they have utter disregard for patients."
Commented on 2009-06-17 15:27:44 EST
"We have been extremely pleased with Cigna (group plan) - great prices, good customer service, and a great provider network. They even called us to show us a way we could save money on prescriptions - we would definitely recommend them!"
Commented on 2009-05-21 14:16:55 EST
"They changed the filing address without notifying me or my provider. When she was finally able to determine the claims had gone upaid because they went to the wrong address, we learned that my copay was equal to the amount they had contracted with my provider. Thus, they were controlling my care, without actually paying anything for the service."
Commented on 2009-05-18 19:34:31 EST
"I'm on a group CIGNA plan and I find them to have very good customer service. "
Commented on 2009-04-26 02:49:43 EST
"State of Tennessee employee with Cigna POS insurance. Recently, had a major claim and have NEVER encounted any better insurance. I am very pleased. My fear is this can't last, the state will figure this out and get us some cut rate insurance. Excellent insurance. You need to go to a qualified provider BUT, the providers are the best anyone could want to go. Thank Cigna, you gave me one less worry in a very stressful period of my life... I can't say enough about how pleased I am with Cigna POS insurance. "
Commented on 2009-04-24 10:23:37 EST
"I have Cigna coverage through my employer and they have been wonderful. I have never had any problems with claims, they even covered replacing my husband's prosthetic eye 100% and saved us thousands of dollars!!! I wish every insurance company were as good as this one!"
Commented on 2009-02-24 12:26:03 EST
"I have this insurance through my work. I have cancer and cannot get the treatment I need because no one will accept Cigna as they don't pay."
Commented on 2009-02-17 11:51:45 EST
"Their deductible is extremely high and even though my mother will soon only have about $70 left over each month after paying for our mortgage, due to the WONDERFUL economy/losing hours at work, cigna won't let her cancel our health coverage. they claim it's the law but whatever it is, it's ridiculous. i hate the company. and i hate the stupid laws that are made up to prevent people from living freely."
Commented on 2009-02-09 22:21:44 EST
"They charge astronomical rates and provide very little service. The government should review this company and put them out of business."
Commented on 2009-02-05 16:20:23 EST
"Double billed us for my husband's outpatient surgery last April. It took me until Jan to get the duplicate charges off the account. Got the runaround every time we called customer service. Eventually sent a certified letter threatening to contact our state attorney's office over the double charges--that finally got some action. Horrible, horrible insurance. If you have the choice, run far, far away from this company."
Commented on 2009-02-05 13:00:39 EST
"Cigna insurance sucks! one Cigna person gave me the info that a procedure was covered.After the procedure,I got a bill for 700$.when I called back,all that they did was apologise!now I am stuck with a huge bill to pay!"
Commented on 2008-10-15 17:46:21 EST
"This is the worst company I've ever been insured by. They try to get out of paying almost every claim and their customer service is atrocious!"
Commented on 2008-10-01 13:13:45 EST
"Have had Cigna for three plus years but company getting ready to change to another. We have been very satisfied with Cigna. My wife had open heart surgery two years ago and everything was covered with no questions asked. If you follow the rules, they provide excellent coverage."
Commented on 2008-09-26 18:09:32 EST
"I have never had any problems with CIGNA and would stay with them except they are dropping their HMO plans in NY. Otherwise they are great. "
Commented on 2008-09-10 16:07:24 EST
"My wife had Hodgkin's lymphoma. Cigna assigned an account rep to help us track all the paperwork and make sure that all claims were covered. They provided a $10,000.00 travel and lodging expense which was extremely helpful. Overall, they were very helpful through this difficult time. "
Commented on 2008-09-09 14:20:09 EST
"I've submitted multiple dental and medical claims over the past years, and they have all been processed relatively quickly and fairly. I'm probably jinxing myself by saying this, of course. "
Commented on 2008-08-29 05:54:04 EST
"I'm amazed that Cigna is still in business. I've had a roller-coaster of bad experiences with them. First, I was told that they would cover my acupucture treatments, and then they didn't. I have spent countless hours on the phone with them to try to get a straight answer. And I get a different answer every time I call. I just keep calling until I get the answer I'm satisfied with. Their customer service reps don't get much training, and you can tell when you call. Someone once hung up on me after I explained my complicated issue to her. I can only assume she didn't know how to respond to me. My BP goes up and I get stressed out now whenever I deal with them. I've had enough that I'm dropping them as soon as I can. Do yourself a favor and stay away from Cigna if you can help it."
Commented on 2008-07-15 22:29:44 EST
"Covers diddly squat for senior dental care. We had to go out of state to see a peridontist that would honor Cigna. Very few in dental health will accept senior patients. My long time dentist would not long honor Cigna insurance and it has been a nightmare finding dental care."
Commented on 2008-07-10 20:35:23 EST
"We have been denied card by three different dentists over the last eighteen months (dentists we were previously patients of). We were told Cigna doesn't pay their providers and are no longer taking Cigna patients."
Commented on 2008-07-08 14:39:38 EST
"My Company supplies the insurance - try to get by as cheap as they can - you get what you pay for"
Commented on 2008-06-06 23:41:48 EST
"Cigna is dragging it's feet on approving my life insurance claim. It is legit yet they are trying everything they can to deny the claim, and when I call they give me the same bull "It's not that were going to deny it" "We just need more information". If that is the case, approve it and go on to the next claim!!!"
Commented on 2008-05-14 09:02:57 EST
"GIGNA THIS SHOULD BE A CRIME Criminal prosecution is necessary for these kind of actions: Twelve years ago I fought for my life with this same Glendale Cigna. Back in those days they owned and operated 29 wholly owned health Clinics where they employed the doctors. I did not stop fighting until these Clinics were quietly closed down. I had Lung Cancer, they documented in my file, I was neither a candidate for Surgery, nor was I a candidate for follow up. In other words they put me on Disability and sent me home to die. They made me suffer for two years, lying to me I was well, when all the time they knew I had Lung Cancer. I fought, went to Doctors outside their system, and all these Doctors recommended immediate Surgery. I had the surgery, and I survived. All this just to save a BUCK. When I was leaving the hospital the Surgeon told us, the cancer was very rare only in 1 percent of all cases would it originate in the Lung. He advised my family Cigna was not going to want to pay for the treatment needed. So he said he was going to document in my Hospital file all the things I would need so I could fight to get it. The Cigna Medical Director, documented in my file theTumor was removed it was benign, and all I would need would be a follow up xray. I stood outside this same Glendale based Cigna in a Hospital Gown fighting to live, as they would not return my calls. Instead of letting me get treatment they met me with their Lawyers, and their Risk manager. My father was with me,and so was my husband, my Father I will never forget told their Risk Manager, if they do not let me get the necessary treatment, he would take him and throw him from the fifth floor Window out on to the street. The Newspapers came to my aid, and after my story was published CIGNA only then agreed to pay for the treatment needed. Please believe me, when I say these people are CRIMINALS, and I have the evidence to prove it. Cigna, must be held accountible for its CRIMES against humanity. Pretty damed sad this is happening in AMERICA, and nothing is being done about it."
Commented on 2008-04-28 22:50:12 EST
"Cigna disability is an outrite cash cow for Cigna and it's shareholders. I've been subjected to the worst possible service I could have ever had a nightmare about. They are constantly making me undergo needless tests, and redundant paperwork. I have 2 (two) degenerative dieseases, meaning they will never get better. As a condition of employment 20 years ago ,I had to take out a disability policy with my employer. I paid the premiums through payroll deduction, hoping never to have to use it. Well unfortunte to me I got sick. Cigna has been nothing but a pain in the you know what. They were perfectly content while I paid my premiums, but when it came time for them to help me, forget it ! All over the internet you can read of more horror stories about Cigna. I can tell you they have been absolutely my worst nightmare come true. They are constantly re-evaluating my claim, making jump through hoops, and raising the bar after every re-eval. It's terrible when you have several Drs. attesting to the fact that your disabled, only to have some desk jocky thousands of miles away rebuking what your Drs. say. These desk jocky's with minimal medical education, other than terminology, actually have the right to deterimine what a well educated and highly trained and medical pro. has? Hog wash, my Dr. is actually thinking of bringing suit against them for defamation. How can these 90 day wonders possibly have the credentials or knowledge of a Dr. with 12 years formal medical education and twenty years practice under his/her belts ? Makes me sick to even have to comment, Cigna just wants me to forget dotting an i or better yet just die. I blame our government for letting this type of thing to go on. Never and I mean NEVER trust Cigna !!!!"
Commented on 2008-04-20 10:49:55 EST
"They eventually paid on claims, but it was like pulling teeth. They always had some excuse, or kept sending out the same forms, even after we had filled them out already. Be patient. Keep a folder of ALL bills and records relating to a claim, so you know where they are and can tell the person on the phone what was sent when."
Commented on 2008-04-01 13:47:21 EST
"After about 12 months of decent service for a 90%/10 plan they just stopped paying my medical bills without warning. Cigna claimed that it was because my husband added a supplemental umbrella policy .. Cigna said to submit his bills to the unbrella company and upon denial they would consider . . Umbrella policies do not work that way . . they do not review primary medical billing . . the policy only covers charges not covered my primary insurance . . They know this and thats why they gave this response .. . The company I work for represents a $20 million dollar plus annual contract . . we have taken action with the account rep . . No solutions have resulted . . Very very frustrated"
Commented on 2008-03-13 19:44:21 EST
"Mu Dr. sent me for an MRI due to my bad back got worse, after the MRI was done Cigna refuses to pay for it saying they do not feel it was medically necessary??WHAT?? I filed both appeals and they still wont pay the bill, Why would the Dr. send me for it if it was not necessary? I never knew they could do this intil after the MRI was a;ready done, I cant take it back or return it!! the stress is killing me over this, its not fair!!"
Commented on 2008-03-02 16:54:00 EST
"Be aware of the rules and guide lines for the plan you choose."
Commented on 2008-02-08 11:11:32 EST
"All they no is deny deny deny. If your physician writes you a script good luck getting it filled. They want you to take additional test all with deductibles.And still want to deny your meds."
Commented on 2007-12-22 19:19:27 EST
Commented on 2007-12-22 18:37:38 EST
"I'm a previous employee for Cigna Health Care and I want everyone to know what actually goes on there. People are paid terribly low salaries, are treated poorly by management and forced to work horrendous hours! Those who are our customer services representatives (people who take your phone calls) are only trained for one week, you heard right, one week!!! They do not know your answers, when you call and get so frustrated its because they don't know what you're talking about. When you have a question, and they say I will get an answer and call you back, they never will. We are forced to answer calls as quickly as possible and say whatever we have to to get you on the phone and take the next call. All they care about are numbers and how quickly we respond to calls waiting in our queue. There is never ANY time given to work on all the issues that we come across that day. If people don't feel like entering and application they shred it. Nothing is done properly and most employees will look for any excuse they can find to not work."
Commented on 2007-12-20 15:20:55 EST
"DO NOT PURCHASE THESE PRODUCTS Basically, they do not cover lung cancer - even one lymph node involved, and despite the fact that both it and the tumour can be cut out with excellent total cure almost certain, their policy does not cover any 'metastasis' - in TNM terms for non small cell lung cancer (the most common type), this means that they only actually cover a T1N0MO status - which is less than 13% of patients with this disease - utterly utterly disgusting product, misleading policy and staff DO NOT PURCHASE EVER"
Commented on 2007-12-18 15:10:10 EST
"*admin's website always down. * employees claims are only paid when employees fight for money."
Commented on 2007-12-18 10:51:56 EST
"Read the long term coverage details."
Commented on 2007-12-13 13:15:46 EST
"Customer service is HORRIBLE! They do not update files correctly and give you a run around. It's the worst experience I have ever had with ANY insurance company. "
Commented on 2007-12-12 19:51:39 EST
"Long term disability claim. Helt up over several months. Claim based on auto accident insurance company had to determined it was not a preexisting illness!!!! Case worker never in office...rarely available for questions . Never a direct answer. Tremely bad experience all around"
Commented on 2007-11-28 06:49:11 EST
"All services I've recieved have been payed with out issue. "
Commented on 2007-11-26 22:09:25 EST
"I have no choice - this is a company polany plan"
Commented on 2007-11-19 13:26:24 EST
"They are terrible about getting correct information. I have had the worst nightmare dealing with them to get my daughters wheelchair covered. I have been getting the complete runaround from them. I think I spoke with almost every department they have and I still get no straight answers. I was denied a claim for a manual wheelchair for my daughter (who drives an electric one now, when she is unable to push a manual one due to her constantly changing physical condition but she suffers muscle loss, lung compromise, additional pain and more contractures and additional scoliosis when she only uses the electric chair) But what really floored me is that a Cigna employee said that having an additional chair was considered a "convenience"! I wonder how convenient it is for them to just blanket deny claims, misinform their insured and make patients and their families jump through hoops just to get the coverage they pay for, and is desperately needed denied. "
Commented on 2007-11-03 00:32:24 EST
"CIGNA does not want to pay on their Disability claims. I have had several occasions when I had to go on disability from my job. They paid me for only a few days of disability then claimed I no longer had reason to collect benefits. This in spite of the fact that several doctors have written the company and provided test results and office notes stating clearly that I have not been able to perform my job duties. I paid my premiums and expected to collect when I am unable to work. But CIGNA personnel make medical decisions from a thousand miles away without any consideration given to medical decisions made by physicians that I see on a regular basis. I wouldn't recommend this company to my worst enemy."
Commented on 2007-10-25 17:16:06 EST
"all of our prescriptions to date have been free! unheard of."
Commented on 2007-10-17 17:19:29 EST
"CIGNA handles routine approved claims fairly well. But when even the smallest thing is different or non-standard they drift into DUMMY mode and never recover. They say one thing today, another tomorrow. It's a game of wild goose chase that never ends until you finally get tired and give up. They are horrible at handling anything but routine! Information sent to them is ALLWAYS lost. I would never recommend to my least friends. I've been fighting a +$500 claim for months now. Every time I call they want me to do something else before deciding if they'll pay the claim."
Commented on 2007-10-03 07:23:34 EST
"They are terrible. I wouldn't recommend a mangy dog to this company from how angry I am about this. First off I got rushed to ER TWICE from work (where I got my medical from haha) due to asthma related issues. I payed the co pay and later got a letter asking me what was prescribed to me. Call me silly but I thought that's something the doctors put in with the claim. I sent it back with the information and they still couldn't figure it out and continued to send me letters requesting information on what I was prescribed. FINALLY they sent me a letter telling me I wasn't covered because it was a pre-existing condition. I have never had to go to ER because of this, before or after I quit working at the job. Second, their customer reps are terrible, They are rude and don't know what they are talking about. You get set on hold forever and they still have no clue what's going on when they pick back up. Thirdly, the have an insanely high deduct. For me, one person, the deduct was 500 dollars a year. All in all, I couldn't be more dissatisfied if they had flat out held me up at gun point and robbed me. Atleast that way I wouldn't get a run around."
Commented on 2007-09-03 17:54:24 EST
"They refused to pay for my son's asthma medication that was prescribed by the doctor. Made some lame excuse at first about it being no longer effective. This was albuterol, the most commonly prescribed asthma medication that I know!"
Commented on 2007-07-06 21:19:43 EST
"The claims reps are both stupid and unfair. I think Cigna makes their money by cheating a claimant and expecting that person not to fight back. I used to help employees with claims and found this all the time. Further, my own claims are only paid after battles. I'm so tired of dealing with them. It shouldn't have to be this way. "
Commented on 2007-07-04 00:58:06 EST
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