Though its origins go back to 1792, Cigna was officially founded in 1982 when two companies merged. Since then, the insurance provider has grown worldwide, serving millions of customers in multiple countries.
Consumers considering health insurance companies need to understand the offered health benefit plans, what each policy covers and what it costs.
Is Cigna good?
Cigna has many health benefit plans to choose from. Cigna global health plans are available to independent buyers and businesses whose employees travel or work internationally. Typical health plans offer coverage domestically, so you'll need to get an international health plan if you want coverage abroad.
Positive Cigna reviews on Best Company talk about satisfaction with coverage, claims processing, and doctor networks. Reviewers that gave Cigna a poor rating had difficulty resolving issues, getting pre-authorization, and getting claims paid. These are common concerns across the industry. Both positive and negative customer experiences are helpful to understand when enrolling in a health plan.
In the United States, Cigna offers a wide selection of health insurance plans and several unique qualities. Cigna offers Medicare plans and HSA-compatible plans. It also provides dental and vision insurance plans.
Cigna also has good member resources for patients. If Cigna health insurance is available in your area and you find a quality, affordable plan, it is a good choice.
Cigna health insurance customer reviews are at the bottom of the page.
First of all, it's important to note that Cigna is a worldwide company, with customers in 30 countries around the world. No matter what kind of coverage or insurance plan a consumer is looking for, Cigna will probably have a good option available.
Cigna offers a wide selection of insurance policies, including:
Cigna health care insurance options include indemnity plans and international plans. The one type of health plan that Cigna is unclear about providing is short-term insurance (except for short-term disability insurance).
Like other multi-state insurance companies, the availability of specific plans varies by state.
Covered services tend to be pretty similar across traditional plans, like a Cigna PPO and a Cigna HMO. However coverage levels, networks, and cost-sharing rules differ. For example, a PPO network offers more options for choosing doctors. It offers coverage and discounted rates for in- and out-of-network providers.
Additionally, some plans require prior authorization for some health care services before the insurance kicks in to help cover the health care costs. The insurance premiums also vary based on the number of people on the plan and demographic information, like age.
Cigna's also offers individual and family dental and vision coverage as well. There are three types of dental plans to choose from, each of which covers a certain percentage of preventive services, restorative, and major dental work. A Cigna dental care plan is available to individuals and families. However, the terms and costs vary depending on the number of people insured.
Finally, the Cigna Vision Plan uses VSP for insurance and covers an annual eye exam as well as a new pair of glasses or contacts each year. Your copays with this benefit plan depend on your individual plan, however.
Cigna insurance is also available to employers who provide health insurance and other benefits to their employees.
Right away, it's easy to see how Cigna allows you to find an in-network provider, look up coverage, and perform all other basic tasks you need to as a member.
The Cigna website is fairly easy to navigate. Before becoming a member, you can tour the patient portal that Cigna has created for all members. This gets you acquainted with the website and allows you to see what resources you would have as a member.
You can also view the health benefits, coverage, and costs (copayment, deductible, coinsurance, out-of-pocket expenses, etc.) for plans and get a quote of monthly premiums for the plan you're interested in buying. And if you're interested in international insurance, you can get a quote for that too.
If you decide to register with Cigna, your resources expand even more. You're able to, of course, log into your patient portal and view your personal account information. Just as important, you can check a claim's status, acquire an ID card, find the form you need to download, look up your benefits, and find a doctor that works within Cigna's network (if you haven't already verified this).
Members benefit from a dedicated member customer service line as well, and through what Cigna calls the Health Information Line, members can contact the company 24/7. It's important to note, too, that Cigna provides more than explanations about benefits and forms. They also have sections with information about health care in general, including the changing laws, like the Affordable Care Act, that affect the industry.
Cigna also offers programs to support the health and well-being of its members. The Cigna Healthy Rewards® program offers discounts to members for fitness clubs, nutrition programs, alternative medicine, and more.
Cigna is more than one company. It has several subsidiaries that either focus on certain kinds of insurance or serve specific areas.
Aside from providing a fairly large network, Cigna gives members perks like a home delivery pharmacy and discounts on healthy products. These discounts come through the Cigna Healthy Rewards® program
Cigna also gives members education about health care. Should your doctor suggest that you need an MRI, a PET scan, or a CT scan, you would benefit from the Informed Choice Program. Through this, Cigna informs you about facilities that would charge you the least amount of money for one of these procedures.
Finally, Cigna offers several apps. For example you can review your account balance, check a claim's status, find doctors and hospitals, and perform other member tasks with the myCigna app.
With millions of customers around the globe, customer service is important to Cigna. Cigna promises live customer service that is available 24 hours a day, 7 days a week, 365 days of the year. You can contact Cigna via mail, or phone. The mobile apps make communication much more convenient and transparent too. Cigna's company website is intuitive to use overall.
Cigna's contact page lists several phone numbers, but many of these have specific business hours attached to them. That being said, it's great that Cigna can provide 24/7 customer service, but it would do well to make these means easier to find for both members and potential customers.
Overall, it's clear from the company website that Cigna wants its customers to feel informed and to get the best prices. To help customers with this, Cigna offers convenient tools to look up benefits, acquire discounts, and of course search through available health plans.
Aside from short-term disability insurance, there's no clear mention of Cigna providing short-term health insurance (one health plan that other competitors do provide). These plans are designed to cover basic health services and have more exclusions than Marketplace health plans. They are designed to provide short term coverage while you wait for a more standard health plan to start.
Call our recommended rep over at Cigna below.
This is the worst option for health insurance. This company doesn’t care about it’s members. The only thing they care about is their own profits. Doctors and medical directors who work for Cigna are nothing more than corporate crooks. My 4-year old daughter needed a bone marrow transplant a few months ago. Cigna denied covering the procedure. My wife and I appealed their decision as many times as our policy would allow. Cigna still denied covering the procedure. They said it wasn’t medically necessary for our 4-year old daughter to receive this bone marrow transplant. And instead they claimed it was only ‘experimental’ in nature and those types of procedures aren’t covered under our plan. Several of our daughter’s doctors and her primary care pediatrician obviously disagreed with Cigna’s ruling. Every single doctor plus our pediatrician tried to convince Cigna to reverse its denials. But Cigna still didn’t want to hear it. They just kept saying the same thing over and over again: this is not covered because it isn’t medically necessary. And furthermore Cigna did not even supply us with the medical research or data they used to reach that denial decision. That’s why I feel like Cigna just didn’t want to pay for it. And that was really the underlying reason behind their constant denials. Our doctors and pediatrician supplied Cigna with all the medical research they would have needed which shows that our daughter’s bone marrow transplant wasn’t just simply ‘experimental in nature’ like Cigna had claimed. Plus Cigna was supplied with all of our daughter’s medical records proving and showing her underlying medical condition. Cigna still denied covering the procedure. Now as a result of Cigna’s corporate greed and total disregard for our daughter’s health and well-being my wife and I are in medical debt for over $400,000! That is just plain crazy. Even though we’ve already consulted a couple of attorneys regarding this matter that could still take years for us to receive financial remuneration. This is honestly the worst health insurance you could ever buy: either for yourself or your family. Cigna doesn’t care about human life and especially not the life of a sick little 4-year old girl who did nothing wrong in the first place by getting sick. Cigna doesn’t care that it wasn’t our fault or our daughter’s fault that she got sick. All they care about is saving money and increasing their bottom-line corporate profits. Even if that comes at the expense of a 4-year old’s health and life. To Cigna $400,000 apparently appears to be the ‘going rate’ for a child’s health and well-being. Or even for their life. Doesn’t that just make your heart sink?
We have Cigna insurance through my husbands employer. I do like how helpful they have been when I've called with questions or concerns. I don't like that they aren't accepted at the facilities closest to me or that they force me to fill prescriptions through their Home Delivery Pharmacy.
I am not a fan of CIGNA. They have so many prior authorizations and they are difficult to work with. Getting a live person on the phone is a series of too many buttons. Difficult and frustrating.
Natalia Correa MDTribe
Amazing customer service. When you call they patiently work with you and thoroughly answer all your questions!
Our Cigna we can take almost everywhere we need to with doctors and clinics. Their customer service is excellent when I call to confirm coverage. The make contact with the providers and they even follow up with you. Plans and cost fits our family and is affordable for us.
I’ve had Cigna insurance for several years and I have not been impressed with them over the past few years. The costs have gone up and the coverage has gone down. I’ve had procedures denied even though the doctors have requested them and the only way to get them approved was going to an ER because the severity of the pain. I haven’t like how the insurance company tries to dictate medicine.
I am so disappointed by what the benefits have turned into over the last several years. Cigna used to be amazing and now the benefits have plummeted.
CIGNA is the worst insurance company due to David C. In a direct effort to boost his bonus he is dmanding a 30% reimbursement reduction from the largest hospital network in Houston, Memorial Herrman. David is personally screwing his 160,000 customers in Houston and he knows exactly what he is doing. There is a special place in hell for David C.
Had insurance through them! I have no complaints. Their coverage was great and decently priced. Love them!
I was with Cigna for approx 19 years. You get what you expect with health insurance. You jump thru the hoops when filing claims. You get the pre-approvals when going in for procedures. There really isn’t anything that sets Cigna apart as better or worse than other insurance companies.I would say its average. I recently switched to another provider due to premium rates, no other reason.
Cigna’s reimbursement rates are extremely low. Many providers will no longer accept Cigna.
Hands down, the absolute sleaziest and most spineless unethical insurance company on the entire planet!!! Only sign up for health insurance through Cigna if you have disposable income and don't mind wasting thousands and thousands of dollars on insurance premiums which Cigna will never actually cover services and procedures for once you do need them. All they will do after basically stealing your hard-earned insurance premium dollars is turn around and tell you "no you are not covered." They will fine the tiniest and most insignificant legal loophole in order to accomplish this, not caring for one split second how these same sleazy and dishonest “bait and switch” insurance denial tactics affect your health as a human being. That is exactly how this company makes it record triple digit profits, by lying to and cheating against average consumers like you and me. Thankfully we have review forums such as this one where we can forewarn our fellow consumers of a company’s products and services prior to actually purchasing or using them. I wish I had “done my homework” a little better, prior to purchasing individual healthcare insurance through Cigna. And if I had, then I would have quickly found out about that whole scandal back in December 2007, for example in which Cigna basically denied a lifesaving liver transplant to a 17 year old girl: Nataline S, who eventually died afterwards as a result. (Google her name so you will know what I am referring to.) With Nataline’s case, I felt like Cigna was almost telling her family: “your daughter’s life basically isn’t worth ‘X’ amount of money, so that is why we are not covering your treatment.” Maybe they didn’t use those exact words, but their message was pretty much the same. And I am mentioning all of this, because that is exactly what Cigna has done to me!! I too, required a lifesaving transplant procedure, only mine was for a bone marrow transplant different than Nataline S's liver transplant in 2007. However, Cigna’s response to my transplant was the same which it had been to Nataline’s nearly 13 years earlier: “No this is not covered because it is only ‘experimental in nature’ which your plan does not cover.” So as a result of Cigna's duplicity and sleazy denial tactics, I am now drowning in medical debt to the tune of almost $400,000 which I obviously won't ever be able to repay back in this lifetime!!! Even though I have already contacted a lawyer regarding this, that could take a lot of time for that to wind it's way through the flooded court system. And besides, that’s not really the point I am trying to make here is: we as consumers I feel, almost have an obligation to forewarn our fellow consumers about our unethical and dishonest experiences which we might have had with a particular company. Mine with Cigna’s however, have surpassed that definition of “unethical.” At this point, I’d have to say that I feel like it’s just downright inhumane sleaziness and cold-hearted disregard for quality of human life on their part. Nataline S was just one (of many) examples of that, and mine is yet another. And I’m sure there are probably many more examples out there. But anyways, that’s my review of this company: Cigna. If you are in the market for either group or individual health insurance company, I would STRONGLY suggest that you look elsewhere. This company will be very friendly to you in the beginning, when you are signing up for health insurance and forking over your credit card or checking account numbers to them for automatic payment processing. However, they will turn on you in the blink of an eye when you do actually go to file a claim for the same insurance coverage services which you have paid for all your life, without ever filing a claim. Make your own educated decision as a consumer as to whether or not you would like to purchase any of Cigna insurance products or services. However, based upon my own horrific and nightmarish ordeals of dealing with this insurance company, this is the last insurance on Earth which I would ever recommend to anyone else….. even if it was free!!
Couldn’t be worse. Their policy as to paying Medical bills is very simple and straightforward. JUST SAY NO!! They turn down everything. The best most accredited Doctors can recommend a test and Cigna will make you jump through 17 hoops and end up saying NO! So you pay for Cigna Insurance and you pay your own Medical bills.
If you enjoy contesting an emergency room visit, Cigna will be the health insurance choice for you! Be weary of this company.
Had some success with CIgna over the last several years. This year they 'quoted' me $675 during the open enrollment then the 'bill' shows up for Jan 1st at $849!! Thier respsones, "sorry" - now I am stuck becasue open enrollment is closed. The biggest pev is the promise that a manager would call me within 48 hours for dicuss this a call was never made!!
Cigna has provided us with great insurance and to see the doctors we like. Customer service helped us figure out issues we had.
Cigna is rough. They don't cover much and even didn't cover my friend's shattered knee cap. They do cover some things that don't seem medically necessary which is nice.
I feel like the health insurance plans offered to me by my employer from Cigna were not as good as I've had in the past. The high deductible plan was REALLY high, and my normal pills I took daily weren't covered. But the customer service helped me as much as they could and walked me through where I needed to look/go to fix my problems.
Avoid this insurance company if your life and health depends upon it.... literally!! Cigna denied covering chemotherapy treatment for me despite the fact that I was diagnosed with stage 3 breast cancer several weeks ago. They are claiming that I need to try "less invasive" techniques prior to chemo., but the only reason why I feel they are doing this is because of the cost of the chemo. sessions. Would you believe Cigna had the nerve to suggest that I tried oral cancer medications first, before they would consider approving coverage for my chemo. sessions? I've never heard of anything so ridiculous in my entire life as that, of course chemo. sessions are the most common standard of care.... for someone who has C-A-N-C-E-R!!! Yet Cigna is still trying to find any possible and imaginable way to avoid covering my treatment, even though I have 4 different oncologists on my cancer treatment team who are diagnosing the exact opposite: that my chemo. sessions really are medically necessary. Fortunately, several of my friends and family help me set up a GoFundMe page, so I've been able to raise some money to cover the costs associated with my chemo. treatment sessions so far. The rest of the money for my cancer treatment has unfortunately, had to be taken out of my 3 kids' college funds - money we set aside so they could have that benefit of attending college. Yet now, everything is all up in smoke....all our dreams of early retirement, of financing our kids' college tuition, of paying off our mortgage early - and all because our insurance company, Cigna refuses to stand by their morals and do the right thing. How can an insurance company act so callous, so cold and without regard for human life? I just don't understand how the people working for this organization can even sleep at night, being as unethical as they are? If no other positive or good comes out of my situation, then at least hopefully prospective insureds considering insurance coverage through Cigna will find themselves well-informed, and able to make an educated decision on their healthcare needs. Trust me though, when I tell you that this company: Cigna is definitely NOT "in the business of caring" about you or your health..... they sure weren't about mine! And also believe me that Cigna is also NOT "together all the way" with you as their member. None of those cheezey, phony mottoes in my opinion, amount to anything more than cliched rhetoric. This insurance company Cigna is the absolute worst of the worst. Based upon so many of my horrific experiences dealing with this atrocity of a so-called "caring and compassionate" insurance company, this is actually the last insurance company on planet Earth that I would even insure a stray dog with!!
I love this insurance company, I can always go to the doctor without having to pay and arm and a leg to go
Stay away from CIGNA. Do not take my word for it, Google CIGNA LTD Complaints. The CEO and Executives are GREEDY PIGS. All they care about is the stockholders and the PIGS at the top. Spread the word to family, friends, coworkers, social media sites to hopefully hit CIGNA in the purse strings by reducing the premiums they collect.
Cigna charges way too much and ultimately my family has ended up paying for a majority of the tests and procedures that my son has needed. I guess they figure we love paying half a thousand dollars a month for absolutely nothing. I would love to see this company disappear completely. It's as if they figure we just loved taking diagnostic tests and we didn't need the actual help of the insurance company covering it.
Cigna doesn’t cover Home Health Care at all! And they don’t cover diabetics well at all! Worst insurance ever!
Was badly injured, visited a doctor who said I needed an MRI and Cigna refused to cover my MRI. Although it was a referral from an in network doctor who urged me to get a MRI, Cigna said that I couldn't prove that I was injured and that getting a note in writing from the doctor was insufficient. I find it disgusting that the CEO can make an income of nearly 50 million annually while paying customers get mistreated. Do not support Cigna and let the free market demand better service.
We had this Health Insurance when my daughter broke her arm while trampolining. They took good care of us, without it we would have been put in a big financial hole.
Cigna Health Insurance is the worst I ever had in all my life! I use to have Cigna Internacional Heath Insurance, actually the best plan, the more expensive. I never needed to use this plan, but once I needed. I start feeling some burning in my stomach and then I visited a gastro and he asked me to have an endoscopy done. I had the exam done and after that Cigna just canceled everything about my gastro and didn't even wanted to pay my endoscopy and believe me, not even the visit in the gastro. My sister use to have the same insurance and she passed through the same thing but another exam. Cigna is an excellent receiving money, but when someone need them, they just run away. They are not a honest Company! Cigna is untrustable!
We switched from United Health care to Cigna this year. It was a big mistake from cigna medical to cigna dental the customer service is the worst in the industry and we found it out the hard way. It's unbelievable how we've gotten so many employee complaints about Cigna customer service. We're actually going to have to switch back to United healthcare which is going to cost our company more but have to deal with less irate emoyees. Companies and customers beware Cigna dental or health is a big mistake.
My parents had us on Cigna through my mom's work and it worked pretty well until I moved from Texas to Utah for college. Anytime I would try to use it, it would give me headaches trying to get my coverage set up and when I had ACL surgery, it sent me to a doctor that I didn't really trust and I ended up needing surgery again on that same knee a few years later.
I have only had Cigna since the first of 2019 and I have to say that I am very, very disappointed in it. It takes forever for them to approve any tests! I wish my company would go back to the insurance we used to have
Cigna saved my life! I went into the hospital two years ago for suicide. Cigna was on it, they gave me a case manager, they gave me a counselor 24 seven 365. They set me up with the mental health professionals that I needed. They helped me with medical as well. But it when it comes down to it Cigna saved my life!
Can I give zero stars? Runaway from this insurer. It's the worse medical plan you can find. They won't cover anything but happy to take the Government and your money. The only services they cover are preventative. Everything else you have to pay all until you pay them the deductibles which are so high, you never will on a year. I have to pay for all my doctor's visit and forced to take medicines with high risk to my health because they won't cover it and the only one I can afford monthly creates a higher risk for me to develop cancer. They don't care about your health, they only care about their business. Can't wait to finish my contract with this company. Before I was with Blue Cross/Blue Shield and they were covering all, except the regular deductibles which they count for the amount I have to pay to complete my deductible yearly amount. Can't imagine a company worse than Cigna. Do yourself a favor, run away from this company.
I was lucky enough to have Cigna health insurance through my employer and always appreciated the support that I received from them. They were fair and helped with my health needs. Great company and great coverage. I was glad to have Cigna as my health insurance payer.
CIgna was super helpful whenever I needed coverage. They were easy to work with and very helpful.
Cigna provides great service at a reasonable cost. I have always been happy with what they have covered.
I have been a customer for years and have been impressed with the customer service.
Robert D Zell
Just an average health insurance company. Nothing stands out as being exceptional in terms of dealing with them.
I had a hip replacement recently and used your insurance with my Medicare. So far I have not received a bill and have been pleased so far.
The system seems not properly designed, always requested the same information when they got claims, the the 2nd insurer (should already in their system)
RUN FROM CIGNA. The worst health insurance company I've EVER had. I received claims for other people MULTIPLE TIMES from all across the country (HIPAA?). They said it must just be that I have a common name. I've NEVER been mixed up with another human by an insurance company in my life before, or after, them. They filed almost every claim with errors. I have one office visit with like eight different EOBs populated for it because they don't have a clue what they're doing. It's still that way to this very day despite being on the phone for hours of my life trying to get them to straighten it out. They blame it on the provider. When I call the providers they say Cigna is just like that. I've never had this happen with any other insurance company before, or after, Cigna. They were what my employer provided for three years. I switched jobs in part to escape this HORRIBLE company. Guess what? They changed the status of a claim from TEN MONTHS earlier, processing it so I owed money...after I had already quit, literally moved on, and discontinued services with Cigna. I received no email or letter from them about the change in status of the claim. I finally logged back into my Cigna account because of another issue that came up and realized six months after-the-fact what they had done.The bill was already in collections by the time I found out I even owed anything. PLEASE SAVE YOURSELF AND CHOOSE AETNA INSTEAD.
I’ve been experiencing sciatic pain for about +3 months I’ve have been trying a variety of medication and seeing a physical therapist and is unable to work because of the sciatic pain. My job requires me to be on my feet and I can’t constantly be standing and running around. I already did a x ray which didn’t show anything I was recommended to do a mri by my physical therapist. I went to my primary care doctor requested a MRI which he orders so I went to the radiologist and make a appointment which was postponed and later canceled because Cigna never approved my MRI(just requested additional info). After researching online I found out it’s common for Cigna to deny people’s MRIs even if it’s urgent for someone to get a MRI. I been dealing with this pain for 3 months and unable to make a living and to this day I don’t even know what’s causing my sciatic pain cause these crooks are afraid they may find something that would cost them money. Health insurance companies prey on the vulnerable and one day these health insurance companies will get what’s coming for them! Single Payer all the way!
My family was covered by Cigna for 10 years, and we are extremely grateful for them. My mother who was diagnosed with cancer during this period, was able to receive treatment that saved her life, and not become financially ruined in the process. I had to make several arrangements prior to leaving the country for an extended period of time, and my interactions with their customer service phone representatives were awesome. They were knowledgeable, helpful, efficient and kind
I have Cigna through my husbands employer and have had it for only 4 weeks now. I had to get Prior Authorization for 2 of my medications and within minutes of them receiving tIhe completed forms from my doctors Denied the medications. One of the medications is Insulin. Cigna has no idea about my medical history and they are denying an insulin that is working for me. They told my doctor that I needed to switch to a different insulin that they are saying I have to use. Cigna IS NOT my doctor. Who are they to make medical decisions for people?? Switching to a different insulin is not that easy. The number of units to take needs to be figured out and that takes months and you have to go through the A1C testing and other things. They denied another medication and said that I had to go on a medication that has at least 26 side effects. And required prior authorization for the medication they said I had to go on. I don't want to be on a medication that has that many side effects (would anyone else)?? I have done a bunch of research on the medication and it scares the crap out of me. It is obvious that money is their number one priority and not the customer. This whole thing is stressing my out, causing severe headaches and is depressing me. I want to know what gives them the right to make medical decisions for people they don't know?? They are not my doctor(s). What gives them the right to play god with peoples lives???? I am still waiting for a call back from Daniella in the Pharmacy Department, but I'm not holding my breath. If this crap continues I will be contacting my attorney.
This is the worst health insurance which i ever dealt with. They offered a policy for my father without any restrictions. They charged us three months of the policy term, my father recently just went to a doctor where just a few days ago he's been diagnosed with cancer. Cigna automatically declined our claim stating that he did have a pre condition, what is totally absurd and not true. Furthermore in order to verify that my father didn't have any medical issues whatsoever prior starting his policy with them they asked me to prove that with his medical records 5 years backwards, i went ahead and provided them with medical record since December 2005. Today is 04/07/2019. After couple days of their " due diligence" i am receiving an email that they are canceling his policy completely, when i asked them why? their agent told me that is the decision of his medical team from Cigna even though they didn't find anything about prior illnesses from my dad since he didn't have any. I am extremely disappointed with this Company, whenever it comes to that they need to charge Your card for the policy there is no delays whatsoever which I would be fine with that if they providing what they said they will, but when it comes that they need to pay something for You in return well that's when the issues are starting. I don't understand what's the purpose of having an health insurance on a first place if You will end up paying everything from Your pocket again anyway. I am escalating entire case to my attorney, because this company should be out of business completely!!!
I used Cigna for my health insurance for several years. I found their customer service to be one of the better ones in the insurance industry as I have had tried several over the years.
Cigna promptly paid our claims and our plan gave us decent coverage. As with all insurance it seems over priced, but being a necessity we found a plan that offered respectable value for our family of 6. We did have an issue getting our deductible to rollover from our previous plan and that took several months to sort out which was annoying, but it did eventually get resolved. Customer service was so so and frustrating at times.
Had through work. Had different options. Wasn’t happy that when I had an issue with them no one seemed to know how hat steps I needed to take to get it resolved.
Cigna has been such a great insurance for our family! They are always willing to help whenever we call!
I was always intimidated to talk about insurance stuff because I didn’t know a whole lot. But when I had to go pick up some subscriptions. I called Cigna to see what was covered and what wasn’t. And the lady I talked to was an angle. She answered all my annoying questions and told me all the little details about what I could and couldn’t get.
I have been with Cigna 7 years. They were a great insurance to have. 2019 has been the worse experience ever. My husband fell and ripped his rotator cuff. They would not pay for MRI (said he needed 6 weeks of therapy) now if he would have done pt it would have caused more damage. Then the surgeon said he needed surgery. CIGNS DENIED that claim and said they needed to see MRI. ok how do we send images to you? The dr. Office asked, they(Cigna) replied: WE DO NOT KNOW! REALLY. THIS is sad. Any then the money we have had to pay upfront now bc dr. Offices do not trust cigna yo pay. This company has had a good run but time is up. Do not get this insurance Aetna is even better than this.
My experience with Cigna has been nothing but positive. They cover what their policy says they'll cover and have been quick at processing claims. My only complaint is that they don't include most Intermountain Health Care Hospitals.