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Cigna

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237 User Reviews

7.6

Overall Score

LAST UPDATED: October 27th, 2021

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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237 Reviews

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BG St Louis, MO

Cigna will approve a procedure, i.e. a cardiac echo, but after the procedure they will find some part of the procedure that they do not cover. They say the doctor wrote the wrong diagnosis for them to approve that part of the echo procedure. We, as patients, have no way to tell what it is when it's happening, so can't tell what we might have to pay for later. Customer service is terrible.

12 hours ago

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Christopher h Bellwood, IL

Cigna sucks completely. I've been on less that a month and I already hate it. I pay about $377 a month through healthcare.gov for them and they still don't cover anything besides a visit to the doctor. I have a $5,000 deductible I have to meet before they will pay for anything. I'm experience acid reflux issues and had to turn down the testing my GI doc wanted to do because I can't afford it. BlueCross is literally the only good insurance on healthcare.gov. Its a little expensive, but their copays and deductible are much lower. Definitely switching back in January They also don't cover about 1/2 if not more of all medications. Even if they do cover it they have insane restrict on dose and # times of day. When I switched to them I had to buy a Walgreen Prescription Saving Plan to cover most of meds. I'm on 2 mental health meds that were difficult to get right and I refuse to change them.

1 week ago

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Mike Richey San Francisco, CA

Quite possibly one of the worst insurance companies, I have Cigna PPO Preferred through my employer and pay extra for the higher tier. Well that doesn't mean anything, everything with Cigna is denied by their evaluating company "Evicore." My 18 year old son had an injury to his hip and saw an orthopedic who referred him to physical therapy, Cigna/Evicore denied it saying there was no medical necessity, after appeal was approved, co-pay was $600. My son was sent for an MRI, was originally denied and after appeal was approved, co-pay was $400. Multiple medications denied, not covered even after my physician sent in several requests for authorization. My wife has suffered from severe back pain and sees a pain management physician and gets epidural injections every 3-months, every time the physician submits for authorization, comes back denied and requires a peer-to-peer review, even after having documentation of her condition from multiple MRIs, orthopedic and neurosurgeon. Typical co-pay for an injection, $1,200. I work for a large medical device company and have submitted multiple complaints regarding Cigna asking to give employees another option besides Cigna. **If you have the choice of choosing another insurance provider besides Cigna do it, you will be extremely frustrated and disappointed with the service and coverage you receive.

1 week ago

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Joe Lapham Cookeville, TN

Cigna is terrible. They do not pay claims. they do not return phone calls. I was even working with a supervisor to get a refund for the bills I paid to keep my credit in good shape. Your jumping threw hoops like a circus dog. You've been warned. Do not do business with them.

1 week ago

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Amal Faraj Fredericksburg, VA

Worst insurance ever. Gave me wrong coverage and people answering the phone didn’t know nothing they sent me to wrong facility that charged me for everything and Cigna didn’t cover anything. They sent me my card with wrong last name and when I called them they said I have to resubmit my paperwork like I’m getting new insurance, which took over an hour of question and at the end the representative said oh sorry we can’t do anything because this will make you as new prescriber and you have to pay minimum.

1 month ago

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M Wilson Houston, TX

Health coverage through them for several years. Competitive rates with better than average customer care. Only complaint is they make you go through their online pharmacy for prescriptions which can be a negative sometimes

2 months ago

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H J Tempe, AZ

I’ve had Cigna with my employer for almost 10 months now. I’ve never experienced such a disgraceful process in my entire life. I’ve had 7 surgeries since 2008. With previous employers, I’ve had Blue Cross / Blue Shield and United. I’ve run into speed bumps with previous insurance companies but I’ve never felt like an insurance company is actively trying to make me suffer - that’s what it’s been like dealing with Cigna. From Day 1, they’ve caused issues. They denied coverage for a prescription I’ve been on for 2 years for nerve pain. They said they wouldn’t cover it because the medication was used to treat nerve pain from Shingles - sorry my nerve pain is related to spinal stenosis?? This increased my monthly cost to over $500 and I couldn’t afford it, so I had to switch back to other medication that I take every 8 hours (instead of once a day). Back in May, I had a doctor send a request for an MRI - it was denied. The office at this practice informed me that Cigna denies about 50% of imaging requests - that’s insane! I’ve never had an MRI request denied until Cigna. I then went to see my surgeon at his new practice and it was denied a second time! The third request was finally approved. And this week, I was suppose to have a spinal fusion surgery, but the pre certification was denied by Cigna. The nurse told the surgery scheduler that it was due to “not receiving 12 months of continuous treatment” and that the imaging didn’t show substantial evidence that the procedure was required. What does that mean? My disc herniation was smaller than average? I have spinal stenosis and a small herniation can cause massive nerve issues. I’m currently experiencing muscle weakness and loss of feeling in my left leg (foot, ankle, calf, shin). That’s been recorded by my doctor. How is that not enough? If I wait any more, the damage could become permanent; I know, because it happened in 2016 (to another disc level). I had to reschedule my surgery and that’s pending a peer to peer review at the moment. Living with chronic pain is exhausting enough. Dealing with disability paperwork for short term disability insurance at work. Having my pay cut. Scheduling people to care for me and pay for work done around my house because I’m physically unable to do it due to my medical condition. Cigna really kicks you when you’re down. I will never work for another employer that offers Cigna. They only want to take your money and never pay out for the coverage you’re due. I would pay DOUBLE the premiums to have BC/BS or United again.

2 months ago

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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.

3 months ago

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Sydney Charleston South Jordan, UT

Cigna was a great company! We used them for vision and health insurance. They covered so many costs that would've otherwise left us out of money.

1 month ago

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Gabe Burton Riverton, UT

Never accepted anywhere, will deny payment for things that are obviously covered, or should be covered...like my INSULIN, maybe they should help me with that so I don't DIE. so glad I switched to Aetna.

1 month ago

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Yasamin Khorramzadeh San Francisco, CA

I have filled for short term disability. It's been a disaster they way they are collecting evidence. They have asked my drs for FAX number which they don't have access (it is 2021! ) I have 12 weeks of short term disability. I am at the week 8 right now and not have received a penny or any progress report for claim manager. I wish I have not wasted my money paying for this insurance in the first place.

3 months ago

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Jon Lang Shingle Springs, CA

The worst. They installed a system that protects them from any accountability over their wrong decisions and doesn't let you (or anybody else) to reach people who are really responsible for the misery they cause. Certainly, they never respond any complaints nor do anything to fix their faults. It would be great to pull them into a class action for all the denials and harm they do to the cancer patients.

3 months ago

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Keiana Knowles Tallahassee, FL

I have Cigna as my insurance right and many places accept it so I like it. It also covers a majority of the cost sometimes so the copay is never too much

2 months ago

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Reta Orlando, FL

Cigna is pretty mediocre when it comes to insurance. They always preface your coverage options by saying "Cigna will cover 100 percent of the costs once you meet your 10,000 dollar deductible." As if that makes it any better. Processing claims is a nightmare. They require your entire medical history before they will apply an out of pocket expense to your deductible. The website is down at least 3-4 times out of the week. I know this because I am constantly uploading claims. The representatives are a hit or miss when it comes to customer service. They'll tell you a claim takes 5-7 business days to process when in actuality it takes a minimum of two weeks just for them to receive the claim. When you upload to the website, they can't see it. A visit with a specialist that was originally $275 and my co-pay is $210. That's Cigna for you.

5 months 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.

2 years ago

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Shelbi Griggs Houston, TX

Cigna is what I use through my work and they have a lot of providers in the network and good mental health insurance.

2 months ago

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Christina A San Antonio, TX

This company will keep you in pain and Encourage you to lose your job and insurance to get on disability. I am perfectly well managed by my doctor, but need a specific procedure twice per year on my spine. Despite historical evidence this is successful, they require two painful procedure prior to Auth, Insist it has to be Many weeks apart and then they don't get back with the staff. You could have pre approval sitting there for over a month that they won't bother with so despite everything, they are waiting until I am an invalid. Hateful, spiteful company.

4 months ago

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CR Round Rock, TX

HR Professionals, Individuals, and Insurance Brokers I urge you to consider and exhaust all other coverage options prior to choosing any Cigna plans. Throughout my career and my lifetime I've never experienced the issues that I have faced trying to get coverage for myself or my associates. Employers - choosing Cigna as a insurance provider poses the opportunity to cost you your most valuable asset, your associates. Please look at the 1 start reviews and the comments. Look at what healthcare providers are saying about working with them. Look at all the people hurting, in pain, afraid, and financially impacted by choosing Cigna. This is what you'd be putting your associates through using them. There is no savings on premiums worth the outcomes that you'll have to face. There is no value that you can pass to yourself or to your associates to mitigate the coverage issues you will face, the poor customer experience, and the astounding lack of concern for your health. Interacting with Cigna: In trying to refill a prescription with them I made over 30 calls from January 16th to April 5th. These call would go like this: Call Cigna, "you have to call Accredo"; call Accredo, "You have to call Express Scripts"; Call Express Scripts "you have to do that with Cigna". At one point I had myself, the insurance broker, the provider, Cigna, Accredo, and Express Scripts (Accredo and Express Scripts are owned by Cigna) on the phone and it was dangerously laughable at the degree of incompetence I witnessed. This issue was never satisfactorily resolved. When escalated to a manager the comment was a sarcastic, "have the insured pay cash for it and submit a claim if he needs it that badly", to which their own associate replied, "it's $5200.00 per dose", to which the manager said, "oh, that's too bad then". I have not had a single instance of contact with Cigna that had a positive or timely outcome. Coverage: I individually have not a single event or prescription successfully covered. I have daily conversations with associates regarding their struggles to get prescriptions covered. I've never had the case to write a negative review for any business or business partner. My interaction with Cigna as a customer has proven to be that "nightmare" that you hear others talk about. They've jeopardized by health, negatively affected my livelihood, negatively impacted my business, negatively impacted my associates, negatively impacted my finances, created anxiety, stress, and caused a reduction in efficacy at work for me and associates due to the number of calls, contacts, emails, follow-ups, etc in trying to obtain coverage. There is no savings that is worth doing business with Cigna.

6 months ago

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Vicki H. Poolesville, MD

I used Cigna as a dependent on my husband's company insurance. Cigna was accepted by all of our doctors at that time and I never had any issues in paying any medical bills covered by the policy.

7 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!

2 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.

3 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.

3 years 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.

10 months 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.

1 year 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

2 years ago

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Taylor Purcellville, VA

Customer service was very rude, not helpful, and blamed everything on marketplace when marketplace had everything in order. The workers names from today were Maria and Shonta. Will be leaving this service as soon as possible. Do not recommend.

5 months ago

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Cignaisworst Bend, OR

Worst health insurance I've ever had. It's probably easier/cheaper to be uninsured. The initial set up was confusing & frustrating, they send you a long email list with providers in network where it's the same repeating numbers or random nonsense(one of the phone numbers was for a emergency room social worker?? Another one was just the busy tone, another one I got the "subscriber not in service" message). It's been 2 months & I'm out 500 (so far) & I'm basically where I was when I started. Customer service is nice but not helpful.

8 months ago

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KS Orem, UT

We love Cigna and their website is so easy to use! Their customer service is always great to work with and the online chat service is nice to have.

4 months ago

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AngryCignaCustomer San Carlos, CA

If you have a choice, pick another insurance company. Otherwise, prepare to waste a lot of time fighting for your claims and worse ended up paying what your insurance company should have paid. #1. The names of their plan will confuse everyone - staff will ask me what's LocalIN plus, never hear of that. What's EPO? Is that PPO or HMO? #2. Be prepared to appeal. They will reject your claim for treatment ordered by your order. Hope your doctor can help. Otherwise, you are on your own. #3. Phone support is almost useless. People on the phone are trying hard to help but their knowledge is limited and they tried to search the web to answer your question. You can try to search their webpages too but good luck - very confusing. #4. Cigna's goal is to make money and not to take care of your health or pay your treatment. They tried their best to not pay and maximize their profit. Looks at how many bad reviews out there for Cigna. It is not just me. Look for other better options if you can so you can focus on your health. Take care and be safe.

9 months ago

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AKT Roseville, CA

This is by far the most miserable experience I've ever had with any company providing a service. It dethrones all of my previous negative experiences with other companies, including a now-defunct credit union that was mismanaging and irreversibly losing my funds, and a VA service for a dental operation that almost got me killed, due to poor surgery technique. Automatic billing information does not update on their auto-pay system if their is a change to your bank info. I take the blame for this (as I am used to services automatically updating themselves), but perhaps they could have at least informed me that my monthly payment was declined BEFORE a late penalty was incurred. I fixed my information to use the new card, but auto-pay stopped working. Even though I complained about this twice, I know have to go out of my way to manually pay each month, on their extremely buggy payment portal. Their website is constantly full of bugs, missing information, and straight-up lies. I even got penalized for a late payment of ZERO dollars and ZERO cents. When I attempted to pay my bill of zero cents, the payment was declined because banks think making a credit card payment of zero cents is stupid, and they are right. I reached out multiple times in writing and through the website's messaging system, pleading with them to contact me via e-mail, and they only spammed my phone with calls I would never be able to pick up. If I attempted to call them, THEY would never pick up because it was never during THEIR office hours. I attempted to eat the late fee by manually paying on their website (which took three days, because 75% of the time, their payment system is bugged and doesn't work), which resolved the penalties and e-mail spam for 1 month. Now, the system is saying I overpaid. Because Cigna absolutely refuses my wishes to be contacted by e-mail or US-mail, they constantly kept attempting me to contact me on my Cell Phone during work hours where I cannot answer. And after work or on the Weekends, if I tried to call them back, they would not be in-office (even though their website boasts 24/7 phone support). I paid into this company for a year, received 0 benefits (as I did not use any medical services this year), had several hours of my time wasted due to their terrible website and business practices, and am LEGALLY bound to paying THEM money until THEY decide I can dis-enroll (If I stop paying them, it does not end the contract, it just gives me RECURRING penalties that I am legally responsible for).

11 months ago

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Rob Denver, CO

Awful customer service experience. Cigna incorrectly applied my payment to my wife's policy, and, even after I had made the binder payment, they terminated my insurance! Because of this, I have been 2 months w/o insurance with empty promises of reinstatement, a refund, and callbacks. After nearly 4 weeks of phone calls to multiple supervisors, Cigna has crafted an argument to keep my binder payment which was not applied to any insurance. Further, they propose to back date my insurance two months asking for additional payments when I have never used the insurance. Absolute disaster, waste of time and energy, and ultimately a disgrace of an insurance provider.

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.

1 year 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.

2 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.

2 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.

2 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.

3 years ago

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Tracey Columbia, MD

Overall great service. My insurance uses cigna for pricing so my deductibles and co-pays may be different as well as out of pocket cost, but I've never had an issue. My only problem with cigna is that they go thru ash for their chiro first and thats a pain in the rear to get communication with ash when there's a problem.

9 months 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.

1 year 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.

1 year 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.

1 year 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.

2 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.

2 years ago

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Jennifer Smith Salt Lake City, UT

My husband and I worked through this insurance company for close to 10 years through a company that he was working for. Both my husband and I had cancerous surgeries to remove cancerous cells. This health insurance made our lives much easier as much of these costs were covered after we had met our deductible. The biggest challenge with this company is its customer service. I have spent hours upon hours on the phone and feel like I never was able to get the answers that I needed.

2 years ago

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wayne sanders Valley Center, CA

we currently have Cigna as our health care provider. So far Ive found the coverage and service to be quite good. Although we haven't ever had to submit any major claims, When we have had claims submitted they have always been paid in a timely manor.

2 years ago

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Evelyn Chidester Riverton, UT

Their costumer service is always easy to get a hold of and are very friendly when answering all my questions. Unfortunately they do not always hold true to what they say. Although you have to make appointments with doctors on their providers list, there seems to be many qualified doctors to choose from. You can go to a doctor not on the providers list, but its will cost you more money.

2 years ago

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Katie Kearney Vienna, VA

My company currently uses Cigna and I am pleasantly surprised how much I like them. I haven't had any concerns yet and have not needed to talk to customer service so I hope it stays that way! I'm bringing my husband over to my insurance plan in Jan 2019!

2 years ago

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Rashida Laumatia Saint George, UT

Had Cigna for a little while and loved it. Until it was hard to get a live person on the phone. Once a person was on the other line, the agent was very rude as if I was burdening her. Would hate to see a good company get a bad name for something that could be a simple fix.

3 years ago

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Regina Page Washington, DC

Year-long processing error NOW costing me $$$$!!

1 week ago

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Kurt Lucas Olney, MD

Cigna has great customer service. They are very easy to deal with. Cigna takes the time to help with medical care issues, and resolve them quickly.

5 months ago

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Kim Berlin Alexandria, VA

Denied my boyfriend's diagnosis procedure to determine if he needs back surgery since he has been in pain for 3 years. Then they denied the appeal after he met all the requirements they specified he needed. Now he was on hold with member services for 6+ hours, after every 2 hours the phone would automatically hang up. Available 24/7 is a flat out lie. He only has this month left of coverage since he turns 26 and they are preventing him from getting any further treatment because they are about to drop him. What a sick, corrupt company!

11 months ago

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