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?

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Customer Review: AGenes from Eagle Mountain, Utah

"Had insurance through them! I have no complaints. Their coverage was great and decently priced. Love them!"

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.

Read Cigna Reviews

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.

The Good

  • Positive Customer Reviews
  • Types of Plans Offered
  • Member Resources and Perks
  • Helpful Tools
  • Customer Service

Positive Customer Reviews

Cigna has recieved a good number of positive reviews on Best Company. Reviewers most commonly mention customer service. Claims and coverage are also mentioned in some positive reviews.

Review Icon

Customer Review: Matthew J. Collin from Stephenville, Texas

"I love everything about this company they have made dealing with medical so easy. There has not been a single time I have had a bad time dealing with them."

Types of Plans Offered

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:

  • Medicare (Medicare Advantage plans and Part D)
  • Medigap (Medicare supplement insurance)
  • Health Savings Account (HSA) Compatible Plans (typically high deductible plans)
  • Health Reimbursement Account (HRA) Compatible Plans
  • Health Maintenance Organization Network Plans (HMO)
  • Preferred Provider Organization Network Plans (PPO)

When you enroll in Medicare, you can purchase a Medicare Advantage plan or enroll in Original Medicare (Part A and Part B). Medicare Advantage plans cover the same medical care services that Original Medicare does but are managed by a private insurance carrier instead of the federal government. 

If you enroll in Original Medicare, you can purchase a Medigap plan to control your out-of-pocket expenses and a prescription drug plan to cover your medications. Cigna Medicare options can vary by area, so work with the company to learn more.

Cigna health care insurance options also 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.

  • Cigna Dental Preventive — This plan has no annual maximum and no deductible! As long as your dental work is completed by an in-network dentist, Cigna is responsible only for the costs of preventative work.
  • Cigna Dental 1000 — With this plan, your deductible is either $50 for an individual or $150 for a family. After that, Cigna pays a maximum of $1,000 every year for restorative dental expenses!
  • Cigna Dental 1500 — Deductibles with this plan are the same as the Dental 1000. The difference is that after that deductible, Cigna covers a maximum of $1,500 per year for restorative work. This plan also includes coverage for orthodontia.

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.

Member Resources and Perks

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.

Helpful Tools

Cigna is more than one company. It has several subsidiaries that either focus on certain kinds of insurance or serve specific areas.

Cigna offers a good provider network, which makes it easy to find an in-network care provider. 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.

Customer Service

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.

Get Quote

The Bad

  • Negative Customer Reviews
  • No Short-Term Insurance

Negative Customer Reviews

Unfortunately, Cigna has recieved a high percentage of negative reviews. High percentages of negative customer reviews is common with health insurance. However, some competitors have lower percentages of negative customer reviews.

The most common issues mentioned in reviews are issues having services covered, claims payments, and working through issues with customer service. Keep these reviews in mind as you determine whether or not to buy a plan from Cigna.

No Short-Term Insurance

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. If you're interested in a short-term health plan, you may need to find another insurer.

The Bottom Line

An insurance plan provides discounts and cost-sharing for medical treatment and care, which can significantly reduce medical expenses.  Review a plan's premium, out-of-pocket expenses, and coverage to determine whether it will be a good fit. Out-of-pocket expenses include copays, the coinsurance percentage, the annual deductible, and annual out-of-pocket max.

Although some Cigna insurance reviews illustrate difficulties with claims, pre-authorization, and resolving issues, these concerns are not unique to Cigna. Those considering Cigna should be aware of these problems, but they may find similar issues with other insurers. 

Overall, Cigna offers a range of health plans and member perks that make it easy to find a plan to meet your needs.

Cigna offers plans that are compatible with HSAs and HRAs. Cigna has HMO and PPO plans, Medicare, and Medigap.

Cigna's network is large, although a customer's access to it depends on the kind of health plan they have. Cost-sharing rules for health care costs also vary based on the benefit plan chosen. Customers can also purchase vision and dental insurance from Cigna.

While it would be nice to have clearer information about their contact points and types of insurance Cigna doesn't offer, it's website still has plenty of resources to help members and potential members be more informed.

The coverage you do get through Cigna will depend on several factors, including your location, health situation, and the amount you want to pay for your monthly premiums. Cigna has search engines that are easy to navigate to discover plan options that are available to you.

Individuals who choose a health insurance plan from Cigna, have access to Cigna's member resources and services. Cigna makes it easy to find a primary care physician, specialized doctors, and other health care professionals. The insurance company also makes it easy to view the claims process and see the explanation of benefits.

We'll Introduce You!

Call our recommended rep over at Cigna below.

1-(855) 246-9950

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User Reviews

Star Rating

2.8
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189 Reviews

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Rebecca Evans

October 19th, 2020 American Fork, UT DETAILS arrow_drop_down
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This company has covered a lot of expenses willingly for us for which we are grateful. Lately they have been giving more push back on needed procedures. They do come through on most, but it takes time and can be quite distressing wondering if they will be able to cover the costs.

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Jada Guzman

October 19th, 2020 Orlando, FL DETAILS arrow_drop_down
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DOES NOT fully cover clients medical bills. I owed and was almost sent to collections for this company!

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Sarah Crowther

October 9th, 2020 Draper, UT DETAILS arrow_drop_down
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We have a Cigna PPO plan with a No Deductible policy. Generally we are satisfied but there have been exclusions and would recommend researching the fine print of your individual plan before making assumptions of coverage.

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Andrew Hyde

October 8th, 2020 , DETAILS arrow_drop_down
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The only thing I did not like about Cigna was how hard it was to find an in-network doctor in my region. The billing process what very consistent.

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RJ

October 4th, 2020 Calhoun, LA DETAILS arrow_drop_down
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Very pricy, but the coverage is good in Medicare supplement plan F, so it pays to have it!

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James Knight

September 28th, 2020 Richmond, VA DETAILS arrow_drop_down
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Terrible business practices! My daughter has been sick for a year and they have denied her treatment over and over again. She has seen numerous specialist who all agree on her treatment path which would cure her. Instead the insurance company denies every claim while my daughter lives in misery everyday of her life. A quick google search will show that Cigna revenue for 2019 was $153.6 billion! How are they making so much money you may wonder. Well I can tell you they are getting rich off of the pain and suffering of others. I hope karma catches up with them in my lifetime.

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boscoe16

September 20th, 2020 Ladson, SC DETAILS arrow_drop_down
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Mostly good, the range of coverage is okay and somewhat helpful with issues of coverage.

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Lexii H

September 16th, 2020 Hammond, IN DETAILS arrow_drop_down
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The customer service is great when ever I call and need help. They are open 24 hours also, which not many insurance companies are

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Jessica Archuleta

September 15th, 2020 Riverton, UT DETAILS arrow_drop_down
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I use Cigna as a second insurance since my husband's is our primary. They have been great to work with . They very easy to work with when it comes to them picking up what is left after my husbands insurance

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John

September 14th, 2020 Delmar, NY DETAILS arrow_drop_down
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Switch over to their COBRA coverage administered via Bswift....horrible! Phone systems with 50 minute holds routine, call backs that never come. Email systems that are send you confirmation system that go to other companies NOT there own. Then policy changes never occur. 60 days and no changes 8 phone call, 2 communications in person, no direct call back. ALL WITH THE THREAT OF COVERAGE CANCELLATION LOOMING WHILE THEY ARE NOT EFFECTIVE. NEVER EVER EVER RECOMMENDING AND ALWAYS WILL SHARE THIS OPINION.

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Rseibold

September 10th, 2020 Phoenix, AZ DETAILS arrow_drop_down
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CIGNA has gotten really good at making it very easy for you to schedule appointments with their app. they have everything laid out By ZIP Code and procedure needed. Only complaint I have is I’ve called multiple doctors and they say that I’m not in their network but it does show I’m in their network on the app otherwise they make it very simple for you to schedule appointments.

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Jon Posey

September 10th, 2020 Riverton, UT DETAILS arrow_drop_down
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We just changed to Cigna and I am not impressed. They boast a nationwide network but their network is small unless you pay for a larger one which at that point defeats the purpose

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Victor Kyler

September 4th, 2020 New Castle, DE DETAILS arrow_drop_down
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My company has been using Cigna for health insurance for about 4 years now. They have been sufficient but there are many procedures they don't cover at all like hearing care. Make sure you know what's covered before you buy a policy.

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Kevin Liu

September 4th, 2020 Sandy, UT DETAILS arrow_drop_down
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Cigna has good coverage options for my primary care doctors. Their web ports is very transparent and easy to use to find physicians and see what I’ve paid towards my deductible.

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Tiauna Anderson

September 3rd, 2020 Salt Lake City, UT DETAILS arrow_drop_down
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I had Cigna for a year or so and the company was great at helping anytime we needed customer service. Our coverage was also sufficient for us!

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Carmen Murphey

September 3rd, 2020 Abilene, TX DETAILS arrow_drop_down
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I have Cigna through work. They provide great coverage and offer education and physical fit options, training.

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Karen DeMann

September 3rd, 2020 , DETAILS arrow_drop_down
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I have had Cigna for a few years. We have a high deductible plan, I need to meet before coverage. I met my deductible last year, and the coverage after was very nice. I like the coverages before for physicals and check-ups. I think its good insurance.

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Z. Hines

September 2nd, 2020 Pearland, TX DETAILS arrow_drop_down
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The cost of health care coverage with Cigna is very high and the out-of-pocket costs are even higher.

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Craig Carter

August 21st, 2020 Van Buren, AR DETAILS arrow_drop_down
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Very good company, paid clams timely very helpful when you need them and they them.ĺ

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Albert Shapiro

August 18th, 2020 Georgetown, TX DETAILS arrow_drop_down

They Pay all of my medical bills that Medicare doesn't pay for. I have no put of pocket medical bills.

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Linde DeFrancesco

August 18th, 2020 Lancaster, PA DETAILS arrow_drop_down

Very pleased with their services. They keep my medical info up to date which gives me peace of mind.

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Matthew J Collin

August 14th, 2020 Stephenville, TX DETAILS arrow_drop_down
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I love everything about this company they have made dealing with medical so easy. There has not been a single time I have had a bad time dealing with them.

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Timothy Ball

August 11th, 2020 Aiken, SC DETAILS arrow_drop_down
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Cigna is a predatory company. Some of their provider networks are so narrow they should be illegal. For example, there is a hospital 10 minutes from my house, but it is not in-network so now I have a $1,200 out-of-network bill because my infant child was choking. The closest in-network hospital is 30 minutes further. Also, their customer service representatives are not well trained and - either purposefully or inadvertently - communicate false information. This has led to avoidable out-of-network costs.

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Edye Payne D-I-L

August 10th, 2020 Louisville, KY DETAILS arrow_drop_down
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They provide good rates. They pay on time with no questons.

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Christine Wheeler

August 7th, 2020 New Albany, IN DETAILS arrow_drop_down
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Dear Cigna, My son has Mild Mental retardation. He had a seizure in the doctors office. He's having intense facial tics. Cigna's response to paying for a CPT code 95712 EEG. "This policy is meant for healthy individuals. You can't have any underlying conditions when you sign up for this policy." Apparently Cigna is above the pre-existing conditions laws that state you can't charge someone more due to pre-existing conditions. They offered to cover it for $600 more a month when I already pay $450 a month. First off my son is healthy. He has special needs and these are discriminatory practices. Saying that a child with MR is not healthy and won't be covered is the sickest most disgusting business practice I've ever heard of. IN CONCLUSION DO YOU REALLY WANT INSURANCE FROM A COMPANY THAT DISCRIMINATES AGAINST SPECIAL NEEDS?

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Ladyjojo

July 30th, 2020 DETAILS arrow_drop_down
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I had Cigna before working with a different company. Customer service is great where when you call in, you can always get someone to explain to you about your benefits and what's covered and how much your co-pay should be.

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Valorie Hudson

July 29th, 2020 DETAILS arrow_drop_down
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They have been very good to me and approve requests with more info submitted.

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Seyan Lucero

July 23rd, 2020 Denver, CO DETAILS arrow_drop_down
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This is a good plan. Their online system is very helpful as you price out cost for services.

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MissHmong95

July 22nd, 2020 Utica, MI DETAILS arrow_drop_down
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Cannot find any doctors for this insurance at all. Tried to login into my member ID but it does not work.

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Linda Lewis

July 9th, 2020 Woodland Park, CO DETAILS arrow_drop_down
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I called to ask if work was going to be covered under 2019 or 2020 benefits, and was told it would be under 2020. After the work was done, they refused to cover it, saying it was under 2019 and my benefit had already been used. I went through ALL of their appeals - which, by the way, are all in-house - and they still refused. If you can't trust the information they give you over the phone, then you can't trust them, period.

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Lyn

June 29th, 2020 Phoenix, AZ DETAILS arrow_drop_down
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Refused to provide electric wheelchair, because a nurse was able to override Rehab Specialist Doctors evaluation. Said because I didn't have a neurological disease I didn't need it. Cigna doesn't care how disabled I am or how many doctors and PT agree I need it. I am now only able to sit in chair at apt. Can't do anything for myself. Just because Cigna is cheap. Will be changing ins as soon as possible. Putting word out on internet.

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Rickey

June 8th, 2020 Lehi, UT DETAILS arrow_drop_down
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Cigna customer service is really nice, especially with their extra features. I had a bad experience once with a teledoc appointment and left them feedback internally. They called me back the next day, refunded my appointment, and thanked me for the suggestions on how to improve the service. I've never had an issue with them working with doctors on payments or denying any claims. I've used Cigna for 3 years.

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Newton Omotayo

May 26th, 2020 Houston, TX DETAILS arrow_drop_down
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The best ever health insurance I ever used till date. They took care of my claims even while I was in Ghana and Nigeria

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MattB

April 5th, 2020 Salt Lake City, UT DETAILS arrow_drop_down
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We currently have Cigna as our medical provider through my employer. It does not cover providers and hospitals we would like to use and have been forced to see providers who wouldn't be our first choice. We pay a large amount monthly for a High Deductible Health Plan that doesn't cover anything unless someone in my family gets seriously injured or ill. I haven't been impressed. We live in Utah where the largest Healthcare organization is Intermountain Healthcare and I wish Cigna would add them to their in-network services.

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Kevin Marquette

March 28th, 2020 Valley Center, CA DETAILS arrow_drop_down
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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?

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take7

February 27th, 2020 Sandy, UT

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.

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Stephanie Love

February 24th, 2020 West Valley City, UT DETAILS arrow_drop_down
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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.

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Mike Ika

February 18th, 2020 West Valley City, UT DETAILS arrow_drop_down
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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.

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John F

February 15th, 2020 Houston, TX DETAILS arrow_drop_down
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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.

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Monique

January 21st, 2020 Valley Center, CA DETAILS arrow_drop_down
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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!!

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SkylarPickens

January 15th, 2020 Gulfport, MS

Thanks to Cigna, i have incredible low prices for my health insurance! Very worth it!

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eunj

January 13th, 2020 ,

If you enjoy contesting an emergency room visit, Cigna will be the health insurance choice for you! Be weary of this company.

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Josef Bloch

January 13th, 2020 Cassville, NJ DETAILS arrow_drop_down
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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.

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D Churchill

December 24th, 2019 Dunedin, FL DETAILS arrow_drop_down
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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!!

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Melinda Olson

December 1st, 2019 Goodyear, AZ DETAILS arrow_drop_down
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Cigna has provided us with great insurance and to see the doctors we like. Customer service helped us figure out issues we had.

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Connor

November 28th, 2019 Farmington, UT

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.

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Michelle W

November 27th, 2019 Coraopolis, PA DETAILS arrow_drop_down
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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.

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Jolanda Johnston

November 26th, 2019 DETAILS arrow_drop_down
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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!!

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Madison Leonard

November 15th, 2019 Midlothian, VA DETAILS arrow_drop_down
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I love this insurance company, I can always go to the doctor without having to pay and arm and a leg to go

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Gina M

November 14th, 2019 Ballston Spa, NY DETAILS arrow_drop_down
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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.