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Cigna

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6.2

Overall Score

LAST UPDATED: January 16th, 2023

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.

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The Good

  • Positive Customer Reviews
  • Types of Plans Offered
  • Dental and Vision Coverage
  • Group Plans
  • Supplemental Insurance
  • Member Resources and Perks
  • Helpful Tools
  • Customer Service

Positive Customer Reviews

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

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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)
  • International Health Plans

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.

Most of Cigna's individual and family plans include access to telehealth providers so members can quickly get medical advice or be seen by a doctor remotely in non-emergency situations. Many plans include this as a complimentary service, though some do not.

If you're looking for an international health plan, you can purchase one from Cigna. These plans typically cover mental health, cancer treatment, and more. You can also customize these plans to meet your needs.

Dental and Vision Coverage

Cigna 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.

While it is difficult to tell whether or not Cigna offers vision insurance that individuals can purchase independently, Cigna does offer plans that employers can offer employees. For more information, you'll need to work with Cigna directly.

Group Plans

Cigna insurance is also available to employers who provide health insurance and other benefits to their employees.

Cigna has a wide range of health plan offerings available to groups with different network structures. This variety makes it easier to find a health plan that works best for your group.

If you need to purchase international health coverage for members of your organization, Cigna also offers a good selection of plans. Its offerings are primarily for groups based in the United States and Canada. You can also find international health plans designed to cover short-term needs, which are ideal for business trips.

Cigna stands out for its international health insurance offerings because it offers plans designed for intergovernmental organizations (IGOs), nongovernmental organizations (NGOs), government employees, overseas students, and healthcare travelers.

Supplemental Insurance

Cigna also offers insurance policies for specific conditions, including heart attack, stroke, and cancer. You can also purchase whole life insurance through Cigna. 

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.

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The Bad

  • Negative Customer Reviews
  • No Domestic Short-Term Health Insurance

Negative Customer Reviews

Unfortunately, Cigna has received 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 and short-term international 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.

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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.

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Star Rating

2.6

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317 Reviews

Review Breakdown

5 grade

22%

4 grade

16%

3 grade

9%

2 grade

6%

1 grade

47%

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Heidi Lauber Horman Independence, MO

Please offer a zero stars choice for next time. One star is WAY too inflated for the "service" Cigna provides. I was told to immediately go to the closest emergency room by our employee clinic. So i followed their directions. Asked at ER when presenting my card to be sure it was preauthorized. I was having my first bout of diverticulitis and was in severe pain, couldn't have a bowel movement. Chills, fever, doubled over in pain and eventually fell asleep in the ER. They called me back and did all my vitals. Asked me when my last period was. I said I don't know, maybe 2 years ago. I've reached menopause. So they gave a me a pregnancy test that I didn't know about until I got the bill. Then i got a CT scan. (Medical blue book cost is $300 for a CT scan). I was in the ER for 4 hours. Saw an in network doctor for about 5 minutes. Received my bill for $14,000. One $200 charge was covered for the in network doctor consult. I was charged full ER price for everything else. FOUR HUNDRED DOLLARS for a pregnancy test for a menopausal woman. TWELVE THOUSAND DOLLARS for a CT scan. And then other little charges here and there. I filed a thorough appeal and of course it was denied. Called dozens of times for help and kept getting told it was out of network and not preauthorized even though it was. Finally 3 days before the deadline to file a second appeal I spoke with a woman who said it should have been enhanced in network and it wasn't coded correctly. I asked her to help me get it filed and she agreed. About 40 minutes into the phone call we got disconnected. I tried to call back immediately but couldn't get through. Gave the operator the previous ladies name and she said she would email her and have her return my call. That never happened. I kept calling but couldn't get to the person helping me. So after I was told it needed to be redone and enhanced as in-network, the call dropped and it never got done because I couldn't locate the previous person who was helping me. Now I'm receiving calls daily from collections but I will not pay my bill until they figure out how to do their job. On top of that they wouldn't apply any money towards the deductible so they said I had to pay off the$14000 before any amount could be applied to the deductible. So that Max Out of Pocket number is a big lie because they can deny any claim. I've filled 3 claims in the last 2 years and every single charge was denied the first time. Fast forward to 2022. Hurt my back. Laid up for a month because Cigna wouldn't approve an appointment with a neurosurgeon because I've already had 2 back surgeries. They denied that appointment because they said I needed to see my primary care physician first. This happened in September and my PCP was booked out till January. Cigna didn't care. They declined all appointments. Four days later I ended up in the ER. I was admitted to the hospital for 3 days. So what should have been a simple appointment turned into a $22000 charge. So when Cigna denies a claim its likely because they're using premiums to pay for a $22000 error that could have cost them one appointment with neuro. Good job Cigna. Way to spend our hard earned money wisely. With a $4000 deductible, Cigna is still claiming I owe them $12,000 after negotiations. They can eat this one. We pay for a service. When you don't receive the service you paid for, they're not getting another penny from me because it is CIGNAs debt to pay.

3 weeks ago

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Angela Childres-Walker Rancho Cucamonga, CA

My Orthopedic Physician suggested Back Surgery for for a multiple reasons. I am new to Cigna and I’ve heard nothing but nightmare stories regarding this company. Not only reading reviews but I’m the news. I regret my company left Blue Shield for this Low Budget Insurance Co. DO NOT SELECT THEM FOR YOUR INSURANCE NEEDS not even for Medicare.

1 week ago

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Abc Houston, TX

Terrible, just terrible. I've been dealing with a claim issue for 6 months. The people working there really do seem incompetent, at least when it comes to dealing with any claims related issues. It took several calls before they finally understood that the same claim kept getting submitted to them because it needed to be reprocessed/readjusted even though I specifically stated that on every call. They kept telling me wait 5-10 business days & then when I check online, the issue should show resolved, except it never was. I just end up calling again & again, getting told the same story. I just called them again yesterday for at least the 8th or 9th time & I finally got to the point where I was a bit rude because I was angry. Angry because the issue finally showed that it was resolved, so I contacted my dr's office to let them know, but they stated their was something wrong on Cigna's end. I asked for a supervisor this time & it seems like I might finally be getting somewhere, but won't know until tomorrow for sure. Pray for me.

1 month ago

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Monique Miami, FL

WORST INSURANCE COMPANY EVER!!!!!!!!!!!! ONE STAR IS TOO MUCH CREDIT!!!!! TOOK MY MONEY AND NEVER GAVE ME MY POLICY!!!! I PURCHASED A DENTAL POLICY AND THEY REFUSED TO GIVE ME A MEMBER ID NUMBER AND THEN TRANSFERRED ME ALL DAY WHEN I KEPT ASKING TO TALK TO A SUPERVISOR WHEN I FINALLY GOT TO A SUPERVISOR HE WAS SO DISGUSTINGLY RUDE AND HAD ABSOLUTELY NO EMPATHY NOT ONCE DID HE SAY HE WAS SORRY FOR THE INCONVENIENCE AND HE DID ABSOLUTELY NOTHING TO HELP ME. HE CONSTANTLY CUT ME OFF WHEN I WAS TRYING TO TALK AND THEN WHEN HE DID GIVE ME TWO SECONDS TO TALK HIS RESPONSE TO EVERYTHING I SAID WAS OKAY BECAUSE HE FELT THAT NOTHING WOULD HAPPEN AND I WAS JUST ANOTHER PEON. WORST CUSTOMER SERVICE EVER! I WILL BE CONTACTING THE CEO! JORGE IN TAMPA LOCATION IS THE SUPERVISOR I SPOKE WITH I WILL NEVER SHOP WITH THIS COMPANY AGAIN!! I RECORDED MY CALL IN CASE JORGE IN TAMPA DECIDES TO TRY AND DENY MY ALLEGATIONS AND I CANCELED MY POLICY IMMEDIATELY!

2 months ago

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James M Miami, FL

I am currently being treated at The Mayo Clinic, the top rated hospital system in the world. I have a condition called Tracheobronchomalacia, which is very rare in adults. In addition, this is being exacerbated by paralysis of my right diaphragm. The specialists at Mayo ordered a diaphragm plication, which they believe will not only improve my breathing but may lessen the collapse of my airways due to the diaphragms current paradoxical movement. Cigna has refused my surgery, their medical director (who has never seen me) decided it's not medically necessary and has overruled an entire team at Mayo Clinic for a procedure which may save my life.

3 months ago

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STEPHEN SHREIM Fort Lauderdale, FL

Warning! Stay away! Worst insurance company ever. Almost impossible to get help from them, I have been waiting for over one year to be paid for claim for my teeth submitted and still not paid yet they supposed to review the claim and tell you what they need more info every time you call them to ask what happen to that claim they ask you for other things after you send them every things they ask you did you send ask us the x-ray, that x-ray to your knowledge has been sent 6 times after they said ok we have everything's, i called one month later to ask what is going on in the claim they ask me did you send us the x-ray remember i send that x-ray 7 times and last month you told me that you have everything's that the file is complete they get everything's and still till this minute i have not resolve the claim, they are a RIPOFF company they do not want to pay and try to let you forgot and you give up. what a rip-off company.

3 months ago

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Jason Carter San Francisco, CA

What a nightmare Cigna has been for me and my employer. We switched from Blue Cross this year to save money. The experience has been so bad that the employer is going rock to the older plan even though it is more costly. Standard office visits are processed OK. But everything else, and I mean everything, is a struggle. They routinely deny supplies or procedures even if they have approved them three months earlier. Every time for example, you get a Botox injection for migraine, they require the doctor to resubmit a ton of paperwork. My wife where is compression socks after cancer surgery. Every time she orders them they declined them and make the supplier submit exactly the same detailed information again and again. Approvals can take months, and when I was in the hospital they told me that they couldn’t guarantee they would pay for the next day without careful review a week later. So I had to leave even though the doctors thought I should stay longer. I couldn’t risk them denying it and being stuck with a huge bill. Sometimes when you called you get good service, other times you get overseas call centers where they simply read a script and repeat the same useless information again and again If you can avoid CIGNA do so at all costs

3 months ago

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Linda Vick Liberty, MO

So very disappointing. I was shown an “updated” list of dermatology providers that were supposedly in network for a preventative skin cancer screening (with referral). After double checking each of them with an insurance rep, I learned that dermatology is no longer covered at all through SureFit. Very misleading info for customers. It should be called the SureDoesn’tFit plan.

3 months ago

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RealPerson Mililani Town, HI

Warning ! Stay away ! Worst insurance company ever. Almost impossibly to get help from them, and every little thing and procedure needs a pre-authorization ! I got one for a dentist and another for an emergency visit. They Ok'd it before. Then they refused to pay. Stating it was either not included or not authorized, although I had an authorization from the telling me to go ahead !!! I ended up getting collection letters that I had to settle. So beware, stay away !

3 months ago

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Ben Peech Douglas, WY

I just changed over to Cigna about 2 2/1 years ago because my company wished to save money from Blue Cross. Every employee within the company has hd issues with Cigna denying stuff. The majority of the things Cigna denied was stuff that had ben covered and already been adjudicated through Blue Cross. About 2 years ago I had to remain in pain for over 4 months while my doctor tried to get an authorization for a simple Cortizone shot for my blown back discs. I was assured at this time this would not happen again as Cigna understood the back issue was ongoing and the only other repair was surgery. Again this time I had the shot scheduled, by my doctor, for August 16th. They denied and stated I need to see the doctor annually and have a x-ray. I complied, but due to scheduling a doctor visit this did not happen until 2 days ago. The doctor ordered an MRI, as there were other things in the x-ray he was concerned about. They denied the MRI. This is EXACTLY the same stuff I went through the last time. If you need insurance due to having ongoing health problems and do not wish to wait for months to get the issues resolved i would STORNGLY suggest paying extra to NOT go with Cigna. I will likely pay for the cortisone shot out of pocket to avoid being in pain any longer and having to miss work. They are absolutely, without doubt, the worst at maintaining a "standard of care".

3 months ago

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Anthony Dean Bleull Oak Park, IL

. paying for them. My most recent situation is a denied MRI procedure. Cigna had the request for 6 days and three hours before my appointment I called to check on the status and they informed me that it was denied. In order to appeal this I had to contact my Dr. and have him contact Cigna to let them know why the procedure was necessary. Cigna was also requiring an XRAY to be done, which would be a waste of time and resources as this will not help diagnose a hamstring tear. Leaving me only 3 hours made it impossible to get this done so now the appointment has to be rescheduled. This is a common occurrence with Cigna and I can't help but feel that this is a way of trying to encourage people to give up on expensive but necessary procedures to assure their ongoing health.

4 months ago

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M T Chicago, IL

This health insurance does not provide good coverage and under-pays claims frequently.

3 weeks ago

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Gary Kissimmee, FL

I have been with Cigna for 3 years now and I will never go anywhere else. There customer service and claims payout are 2nd to none. I have been able to see specialist without waiting to get a stupid referral from my doctor. My agent has made using this plan very easy to use and understand. For anyone complaining about Cigna maybe you need a better agent, the coverage Cigna provides is incredible and your agent should be there to help you whenever you need it.

3 years ago

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Ronald Sumlin Ocean View, DE

There is nothing to like about Cigna. Since my local pharmacy has increased prices I decided to sign up for mail order delivery from Cigna. That's a huge mistake. Now Cigna is going to delay my 2 prescriptions by 60 days. While I will be without my blood pressure and digestive medication Cigna will provide counseling to me at no charge on the dangers of being without my medications. Amazing.

4 months ago

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Steve Lammers Kansas City, KS

If I could give them a zero, I would. It seems like any service you need requires a preauthorization, and you better get it in writing from Cigna before you have the test or scan completed. To be as hard to deal with as they are…. They almost have to be purposefully trying. Premiums are high and they will make you wish you chose a different insurer. Never again.

5 months ago

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Monica Wiseman Belton, TX

This has been the most deplorable company I have ever had the misfortune of doing business with, hands down. I was forced into this "health/prescription insurance" when I started at my current company. Since day ONE, I was lied to. Immediately I was told that they will not cover any of my mental health providers. So right off the bat, the best way to screw with someone's health is to mess with their mental health coverage. I have been in mental health treatment for over 20 years, and now all of a sudden, this company has to do the opposite of what every other ACTUAL insurance company has done, and that is HELP their patients and customers. They first started by telling me that I can continue to see my doctors as long as I submitted and had a network exception form approved by them. I was then told that I would pay out of pocket at the appointments, submit my payments and claims to CIGNA and they would reimburse. Well here I am over $1,200+ later, & they (even with the recorded call) are no longer willing to honor that exception form and will not reimburse me a dime. Today I went to go get my prescriptions filled that I am on for my heart arrythmia, and guess what?! Pharmacist says "No, Cigna no longer will cover these meds you have been on for multiple years now... you have to call them, otherwise, it is $50+ out of pocket today." FOR A MEDICATION THAT KEEPS ME ALIVE!!! I have over 50+ claims and cases open with Cigna, I have been told they were "escalated" and no one has ever called me back. I have submitted every scrap of paper they required, had my providers fill out and submit MULTIPLE forms, all to no avail. This company is absolutely HORRENDOUS! They have someone with multiple diagnosis of mental health disorders, needing mental health medication, as well as cardiac medication, and they do not give 1 iota about that person. They have absolutely CAUSED 90% of my mental anguish the last 6 months. I truly wish someone would shut this company DOWN!

6 months ago

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Masoud Gorjian

They clearly lied to me several times about reimbursement of 7 claims that I made during my coverage period. Their portal shows the claims are paid, but I never received them. In addition, they have not responded to the several request for cancellation of the policy after I realized that I would not be reimbursed for any claim, only being charged for the premium. It seems they want to delay the cancellation request as long as they can to charge my credit card for the future premium payments. In summary avoid this company and do not be fooled by their false advertisements. They have the worst customer service that you can imagine.

8 months ago

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Chris Kinney Boston, MA

Honestly worst insurance company I have ever had to deal with. Their processing times are clearly a commercial strategy to increase their bottom lines. For patients who need immediately surgery or assistance, they will kindly reply, " oh this will take 30-90 days to approve." How is that possible? It's basic math. Their actually needs to be A LAW SUBMITTED ON PROCESSING TIMES AND SOMEONE NEEDS TO TAKE ACTION AGAINST THIS COMPANY. Processing an immediate tumor for brain surgery shouldn't take 30 - 90 days to approve a quote, you should have priority systems in place. Thus, clearly a strategy that they use to take as much time as possible to not approve quotes or payments. The longer they wait the more MONEY they make!!!

8 months ago

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adettel Roswell, GA

Cigna health insurance, specifically medical, is not great. What makes them awful are all of their extra 'hoops' and red tape you, the customer, has to go through to get simple things done. They have so many restrictions and processes and 'red tape' customers have to work through just to get the basic needs, let alone more high-value medication and procedures. If you have a choice, I would not recommend using Cigna as it creates more headaches than it's worth.

8 months ago

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Velma Merritt Ozark, MO

Cigna was excellent health insurance. HOWEVER, they were to refund me one month's premium. It was to arrive in 15 days. It has now been 30 days and no refund. I find businesses like Cigna want their payment on or before the due date but when they owe the customer money, time becomes irrelevant. Because of this I would definitely think twice before I would have their coverage again. I stayed on the phone with them three hours, my insurance agent has called them numerous times. Still no refund.

11 months ago

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Terri wills Frederick, MD

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!

3 years ago

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Kenneth Bouldin

Cigna has been very proactive in providing top notch customer service and prompt health care, and quick to follow up when I have medical emergencies to make sure that my needs were met and if any follow up care was needed. They also provide yearly checkups, and routine medication checks when new prescriptions are given.

4 years ago

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Amy Stewart Gilbert, AZ

We had Cigna Health Insurance! When my children were young we had Cigna insurance that was offered to us through my husbands company and we loved it! My pediatrician accepted Cigna and they were very helpful in covering all of our needs. I enjoyed not having to worry about visits being covered.

4 years ago

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Review Source

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Anne Sainsbury Salt Lake City, UT

I had cigna coverage for a few years and had a fairly good experience. One of the difficulties I ran into was having claims mixed up every so often. My saving grace was the customer service. I called many times to make sure that claims were handled appropriately and we were always able to identify the right solution for the coverage that was seemed appropriate.

1 year ago

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Rickey Lehi, UT

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.

2 years ago

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Krystal Taylor Pleasant Grove, UT

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

3 years ago

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Lilly Logan, UT

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.

3 years ago

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Worm Shmie Denver, CO

Cigna uses excuses like you need physical therapy for MRI when you have a herniated disc also I go to a surgeon that's in network he sends me across the street to a major Hospital get an x-ray and then Cigna says they're not in network it won't pay for it I have to fight tooth and nail to get any procedure done

5 months ago

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Carrie McCain Upper Marlboro, MD

This company is absolutely awful. I have been dealing with severe shoulder pain for months, and they kept denying my doctor's request for an MRI, saying that it wasn't medically necessary. My company finally got new insurance, and I didn't even need prior authorization for the test this time. The MRI showed two torn tendons in my shoulder and I need surgery. This could have been solved months ago and saved me a lot of pain but they obviously only care about saving themselves money by making unqualified medical decisions. You pay in, but they don't pay out. I would sue them if I could.

5 months ago

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Paul Turner Chicopee, MA

They have a very restricting network. I have to have them because my company went cheap on health care. Don't believe my company's motto which claims they care. LOL I used to have BCBS of Ma. and it just blows Cigna out of the water. I wouldn't give this insurance to my worst enemy. On top of their tiny network, I believe their call center is outsourced to another country. Avoid them if at all possible.

7 months ago

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Andrew Cox

run a MILE from this terrible company. Still waiting for payment nearly 3 months after EMERGENCY appendix surgery at a reputable hospital. They keep 'reviewing' for another 2 weeks and then asking for some new document or information. By now it is clear to me that it is a deliberate tactic to delay or avoid paying. It is impossible to talk to a decision maker or anyone employed to act like a human being. Meanwhile my credit card has a $15,000 debit on it. Only 1 star because zero is not accepted on this site.

7 months ago

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Lynn Perley Moorpark, CA

In January 2022 my coverage was switched from United Healthcare to Cigna because of a bad decision made by a major airline. Since that time, my life has been a nightmare and dealing with Cigna has become my full time job. I have come to believe Cignas motto is: deny, deny, deny until you either go away or die. Cigna has demonstrated absolutely no interest in providing any of us healthcare. Their business model is strictly about saving/making money. And they are very good at that, at our expense. Paying claims, authorizing tests and procedures our medical professionals deem necessary for our quality of life is counter to their objectives. Making us and our doctors beg for their approval is disgusting. Cignas business practices, and treatment of those most vulnerable and in need of care, are disgraceful. If I could rate them ZERO stars I would.

8 months ago

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April Ross Islandton, SC

I had cigna with my hca company. Hca ended up switching insurance companies. I got a late letter in the mail with a check for almost 900$. Since we didnt finishing up using there services. The check had the year 2017 on it. So the bank wouldnt cash it. I called them told them about it. They said ooh yeagh we will send you another check Ill put in a request for it, some lady named Gabby I spoke with. Two weeks came and went no check. Called back got transferred from department to department no one knew what to do are who I should talk to. After probablly 8 hours on a phone to the point to where my fully charged phone finally died.And I had to call back to deal with that again they told me Im sorry mam theres nothing we can do. Since HCA no longer has a bank with us. The check was written to me not to Hca. They had the wrong date on it. And since my company switched insurances I was suppose to be backpayed for services I did not recieve. My company had switch insurances because they were so high. It was not worth it. If only zero stars was an option.

9 months ago

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Completely DISSATISFIED Washington, DC

They have the worse representation I've ever experienced for any medical / rx insurance company I've ever had. After meeting my fiscal yr deductible, my provider called in a prescription that I purposely waited on until after the deductible was met. Well, Cigna Express Scripts mail order service processed it as if I still had a deductible balance to be met. After bringing this to the attention and advising the medical and pharmacy depts of my amount paid, being told by more than one medical representative my deductible had been met beforehand, attempting to forward the proof of payment with my receipt to the pharmacy dept and speaking with 3 representatives and 3 supv from pharmacy, they still wanted to twist this matter into their narrative and refused to contact Cigna medical to confirm my deductible payment. Instead, I had those same representatives and supervisors, Danielle, Diane, Candace and several more tell me I had to go back to the date of svce provider and request a refund of my already paid deductible balance and twice pay it to the pharmacy for the Rx balance plus the copay. Their line was "the Rx was processed in real time and they wouldn't wait for the paid deductible amount from the provider to be processed". Really? Well, so was my paid deductible balance met in "real time" and days before the prescription was ordered. After paying Cigna's high annual deductible along with the balances to providers for not being completely covered and my employer's portion, they really expect someone to overpay an annual deductible and then go back to a service date provider who has absolutely nothing to do with this concern and wait to be reimbursed from them. Absolutely NOT!!! So no, I absolutely would give zero stars if I could.

10 months ago

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Anne Toomey Tarrytown, NY

I had standard tests requested by my doctor that Cigna determined to be "not medically necessary" and thus refused to pay the cost. I was told there were two appeal steps - first an internal appeal and then an external appeal. I did the internal appeal rapidly, without going to my doctor for additional documentation, thinking I could do the external appeal if that failed. But when the internal appeal failed I learned that to complete the external appeal process, my employer would be potentially be liable for the fee incurred if it was rejected - the fee being somewhere between $400-4000! Nothing of the fee was included in the earlier documentation, and indeed the customer service representatives didn't seem to know how the process worked either. So now I'm stuck having to pay for a bill that should have been covered. How are these insurance companies dictating what our health should look like? Can we please abolish this ridiculous system?

10 months ago

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Danielle Oleary Peabody, MA

Cigna is AWFUL. Please do your research before enrolling with this company. Their customer service is awful, if you call them plan on being on the phone for hours at a time and getting nothing fixed. Also, every single customer service agent I spoke with contradicted what the other person said. No one is on the same page. They don’t cover much of anything. I had no choice and had to switch to them because my husbands work went with them, I miss Blue Cross so much they are 100% better. I spoke with customer service before switching to make sure my medication was covered and they assured me they were. Well, I am now paying over $2000.00 a month for meds I need. And they WILL NOT do anything about it. And I’m stuck with them until next year. Do yourself a favor and avoid this insurance company AT ALL COST.

10 months ago

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Sam Zhao Anaheim, CA

As a customer I had been with drug insurance company Express Scripts for several years. Eventually I rarely use the service of Express Scripts. After Express Scripts merging into Cigna starting January 1, 2022, my monthly premium was raised to $71.60 from $26.50 almost tripled without my consent. Therefore, I contacted Cigna several times, but they didn’t have any sincerity to help me solve the problem, but keep sending the bill to me, which causes me considerable mental pressure. Since Cigna’s bad business behavior and poor customer service I had to select another insurance company. Based on my bad experience with Cigna I strongly recommend that as long as you have another choice don’t choose Cigna.

11 months ago

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Narges Masoudi Redwood City, CA

Worst insurance company I've had the displeasure of working with. They are liars and schemers. I've worked with many insurance companies through out my career but none of them have been like Cigna. They have the worst and the most incompetent customer service. I submitted a claim a year ago and after 4 calls, I still haven't been able to get the claim processed. Their customer service keeps hanging up on me or just passing me around for hours until I have to give up and call back another day. When it comes to payout, I believe their policy is to drag the process out as long as possible so you would give up.

11 months ago

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Ladyjojo

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.

2 years ago

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Jeremy Balls Kaysville, UT

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.

3 years ago

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Gracie Dallas, TX

We all know insurance providers can be confusing at times, but I've never been more confused on what is covered, vs what is not, than with Cigna. I've received letters stating that basic testing for pregnancy is not covered, and from the sounds of it, Cigna plays by its own rules rather than what has been recommended by the AMA. Although their customer service was kind, I was still lead down a rabbit hole trying to figure out what was covered and what wasn't. There are better services out there. I recommend United Healthcare.

3 years ago

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Allison Joplin, MO

I’ve had Cigna high option through my employer for over 15 years. I have choices of companies and have stuck with Cigna because my drs are in network. However, they use a 3rd party to process preapprovals (Evcore?) and Informed choices that is literally a company to harass you about what the dr has ordered! They called everyday when I was in the hospital after a liver resection to ask why I was still there and when I thought they’d release me. Still in ICU. I’m convinced I was released entirely to soon which lead to other complications because they called daily to talk to me and nurses. They also take a ridiculous amount of time to approve of dr ordered tests and then call you trying to get you to get the test done at the cheapest place they can find. Even if it’s 60miles away. Took almost 3 weeks to get an mri approved for my sons torn ACL. I had to sign a insurance waiver when I showed up for a CT scan and they were still waiting for approval. I had taken off work and when I called they said “nothing they could do. Should be approved by end of business day”. They call you before every procedure to harass you guaranteed! I’ve blocked the number so I don’t have to talk to them.

3 years ago

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Hannah Pleasant Grove, UT

Unfortunately, all in all, I would not recommend Cigna to anyone. I have had some good experiences, but they are drowned out by the number of poor customer service experiences I've had. And that's only considering the MINIMAL health issues we've had - I can't even imagine trying to deal with them with more rare or expensive health issues. For example, several times that I've called the customer service lines, I've been told I'm number four-hundred-something in the line (like, what?!) and to please wait. Other times, I've gotten someone, but man they are so, so difficult to understand. Other times STILL, I've had requests come to my mailbox for certain information and have complied and sent said info in, only to receive the exact same request a month later. Ugh. Sorry Cigna. You're not cool.

5 years ago

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Amy N Sandy, UT

We have had Cigna health insurance at various times through the last few years with different employers. It seems the level of service is more related to the plan setup with the employer than Cigna itself. Some employers had their own dedicated customer service we would call rather than direct Cigna customer service. The dedicated customer service provided a higher level of helpfulness.

1 year ago

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Mandi Colorado Springs, CO

I mostly used my Cigna for the telemedicine benefit they have. I was able to get a virtual visit with a doctor quickly. When I had an allergic reaction to medication prescribed to me through their telehealth app, I was able to get quick follow-up care within a few hours to get an alternative medicine for my sickness. Vision insurance through Cigna is also a very good value for just an individual or family. The dental through them helped to offset the cost of my daughter's braces which was a financial gift for my family.

1 year ago

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Rhonda Earhart , VA

I had a CIGNA health insurance policy via the Affordable Care Act when I was self-employed. Their coverage was phenomenal! Their website was easy to navigate. My employer offers coverage from a different company; however, if I ever needed to purchase health insurance on the market, I would choose CIGNA again.

2 years ago

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Rseibold Phoenix, AZ

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.

2 years ago

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Karen DeMann ,

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.

2 years ago

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take7 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.

2 years ago

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Angela Wellsville, UT

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.

3 years ago