Cigna
2.5
5.2
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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.
2 years ago
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?
2 years ago
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.
2 years ago Edited March 2, 2022
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.
2 years ago
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.
2 years ago
dwood51 Dallas, TX
My employer, a major airline, just moved from United Health Care to Cigna. No problems with United in 15 yrs. Now my wife desperately needs a double knee replacement, but Cigna denied the surgery stating it needs to be done on an outpatient basis. Our doctor is one of the best knee surgeons in Dallas and says she needs the surgery ASAP (bone-on-bone and can't walk 50 ft) and a 3-day hospital stay. What doctor sends a double knee replacement patient home the same day. Shame on Cigna and my employer. My wife and I just signed up a Medicare supplement insurer and it isn't Cigna (its United).
2 years ago
Dan S Gilroy, CA
Cigna is the worst insurance company I have ever dealt with. Read the reviews on here - the 5 star reviews are sourced and I don't believe to be actual customers who have really had to rely upon their insurance.
Okay, let's get into it! In March of 2020 I was dealing with some severe shoulder pain. I was told I needed to go to physical therapy before an MRI would be approved. Well COVID hit and I put off PT till November of 2020. So, I start going and end up completing about 15 sessions - 5 in 2020 and 10 in 2021 (this number becomes important later).
At this point, I finally get to see an orthopedic doctor and he orders an MRI. The MRI is supposed to be covered as pre-approval was submitted and approved. I'll come back to this later in the story! So, I get my MRI in June and it is decided that I need surgery to fix a tear in my shoulder. So I go in for surgery in October of 2021 and they fix things. My doctor immediately wants me in PT, so he orders 12 initial visits and wants 12 more after. Remember when I said I had 10 visits in 2021? That I needed to use to get approval for the MRI? Well it turns out that Cigna only allows 20 visits per year - no matter what! So, I am only allowed 10 visits to get my shoulder back to 100%! They will then offer you a BS virtual PT...because someone can really work your shoulder remotely.
Okay, so their coverage is terrible, got it. Now we get to deal with them paying these medical professionals. Remember that MRI that was approved in June? Well, they never actually paid it. They say they paid it, but they did not pay it. They paid a 3rd party, but not the actual bill that was sent to them. So now I start getting bills from Valley Radiology (a clueless billing department there too) who says Cigna didn't pay. Then after a bunch of back and forth calls, Cigna pays Valley Radiology...some. So Valley Radiology bills me the difference now. After several more hours on the phone with Cigna they assure me things will be taken care of and they will be paid. A month later I get a collections notice from Valley Radiology. Apparently one can't talk to the other they are both incompetent and can't get things right. So MORE back and fort with them, and right now I am told they are getting it worked out. Will they? I doubt it.
So the surgery was in October. They processed a claim this week (January) for the medical devices they put on your legs during surgery to prevent DVT. $1800 they denied because it's "Out of network"? Everything about the surgery was in network, but not that?!
It all just keeps coming. More bills. More things they don't cover. More things they say they will do, but are lying to you directly. They aren't actually trying to help you, they are taking your call and passing you off enough that you get tired of it and finally pay the bills they are supposed to be.
I could keep going about my experience with them, but I'll leave it at this one. Good luck to anyone out there who is using them or their employers offer them.
2 years ago
Heidi Warwick, RI
Absolutely terrible experience! Not only did they just switch me over to a different vaginal ring without even giving me a heads up beforehand, but they also make it impossible to talk to the right person on their service line to actually get help.
I´ve called them 4 times this week, every single time being transferred to about 3 people, having to explain all over every single time. Once they even hung up on me after me spending 30 minutes trying to explain to uneducated people what I am looking for. I am currently waiting in the line to speak to the 5th person and its been one hour that I spent on the phone without getting ANY helpful information.
2 years ago
Lindsey Schneider Homer, AK
I was attracted to Cigna because I needed expat insurance before my Canadian insurance kicked in. Their "exclusions" were extremely hard to find, and 2(!!!) agents on the phone told me that birth control would be covered, when it wasn't (women, beware). Their agents are either ill-informed, or lied to make a sale. By the way, that's a violation of the Civil Rights Act. Additionally, when I requested a cancellation of my policy, it was completely ignored by their customer service team and my card was charged against my wishes! I would never EVER recommend this company to anyone. Functionally, making a claim is difficult and complicated. Once you seek reimbursement, they will probably site some secret clause in their policy and deny you coverage. Don't be fooled by their paid influencer marketing and the bloggers paid to write amazing things about them. This company is based on customer service interactions over the phone, but it's ineffective and archaic. Choose someone else.
2 years ago
Mike Williams Indianapolis, IN
Terrible company. I receive long term disability from this company after an injury. They tell me my checks are issued on the 7th each month which leaves 3-5 business days for processing. This month they didn’t issue it until the 9th which is a day before the weekend which makes for an extended wait period unlike the respective 7th like they told me. Their customer service is the worst. There is a woman that is usually answering calls she is usually not any help and very indifferent. She tells me even tho I was told the 7th every month it can be basically whenever they want to issue it and that’s that. Here it is the 13th and still no check. This is the same woman I gave my direct deposit info to and did not do her job to put it in the system in the past. As when I called about it at that time all she had to say is we didn’t receive it and that’s all she had for me. I eventually got in touch with manager there and she found info and put it in. Wouldn’t even recommend this company to my worst enemy
3 years ago
Gary Sweet Shrewsbury, MA
I was one of the unlucky Express Scripts customers who got switched to Cigna. In the past two days, I have spent more than 4+hours holding on the phone to speak to a representative about your / my medicare plan !!!! Absolutely ridiculous !!! Yes, I know that it is a busy time for you but that excuse does not cut it. I have also called at least 4 different phone numbers to get my wife's account number to sign up for auto pay out of our checking account. Every person told me that they do not have access to that information and transferred me to someone else. I could go on and on about my negative experience but probably time to stop. Hopefully someone that can resolve this issue will contact me but if they do they to will probably have to transfer me to someone else!!!!
3 years ago
Carol Johnston Los Angeles, CA
Our company switched our service from Blue Shield to Cigna this year. It was supposed to keep our costs the same without reducing coverage. However, medications that I was using in the past having gotten approval to not use the generic (It gave me severe headaches), Cigna denied letters from my Doctor stating this and wants me to try other medications that I did actually use initially, and they did not work well for me. I was given no appeal opportunity and was refused being able to speak with another representative.
I have also found, that despite having the more expensive PPO, I have had to wait up to 3 weeks for approvals for medically necessary procedures.
Waiting for medicare so I can leave this company--and I can assure you that they will not be getting my business for the plan B, etc.
3 years ago
Do Better Secaucus, NJ
This is by far the WORST insurance coverage I've ever been forced to pay for. If I had any other option through my employer, I would gladly accept it in leu of having to jump through unnecessary hoops for this agency. I've personally spent 14 years working in the Operating Room (OR) and even longer in generalized healthcare. I spent several of those years specializing in Sports Medicine. I have firsthand experience with diagnosing injury and scheduling imaging, therapy, etc. This past year I left surgery to redirect my expertise into supporting the global efforts combating the SARS-CoV-2 pandemic. With that decision, I changed my employer and had to transition my health plan to Cigna. My wife, who also works in the OR continued to receive healthcare through the hospital. For those of you who are not aware, hospitals tend to offer much better health coverage to their employees. When my wife injured her shoulder, I had her see a former colleague who specializes in Sports Medicine, suspecting a rotator cuff injury. My wife, pregnant at this time, was given a cortisol injection and underwent physical therapy. However, her pain persisted. Once she gave birth to our child, I had her transition over to my health plan for a better insurance rate. Now that she has given birth, she returned to her physician for further evaluation and treatment for her shoulder injury. Her physician ordered an MRI, understandable so, and Cigna denied it. Cigna requested a history of an X-ray. For those of you that do not know, an X-ray will not show soft tissue injuries. X-rays are ordered upon the initial report of an injury to rule out a fracture. It’s also a way for insurance companies to exploit patients/customers by forcing unnecessary preliminary steps rather than trusting the trained physicians who actually diagnose and place the orders. I digress. I have my wife cancel her MRI and her physician schedules her for an X-ray (waste of time, resources, and MONEY). Upon receiving her X-rays, once again she is scheduled for an MRI. Cigna once again now denies covering the expense of the MRI stating it is “not medically necessary”. My wife is now to the point she does not have full mobility in her shoulder without excruciating pain. It’s obvious to medical professionals (myself, my wife, her physician) what level of care is needed. However, the buffoons who run this agency seem to disagree. IF THOSE OF US WORKING IN HEALTHCARE, DEDICATING OUR LIVES TO CARING FOR OTHERS CANNOT RECEIVE PROPER HEALTHCARE… in a timely fashion… That is a problem. Do better. You’re failing us all.
3 years ago
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.
3 years ago
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.
3 years ago
Mike Richey Los Angeles, CA
CIGNS QUIETE 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.
**UPDATE: 10/30/2021**
Cigna continues to be the worst insurance company, after being contacted by Lance F. States sorry for denials but they have been because they requests don't meet Cigna's policy for treatment. This is what people need to know about Cigna, is your policies are to deny, deny and hope the member just gives up and does not seek further treatment. After talking to Lance F, this week regarding my healthy 19 year old son who was denied physical therapy for a sports related injury after recommendation for physical therapy by two orthopedic surgeons and physical therapist, I received a letter from American Specialty Health on 10/28/2021 notifying me they are approving 6 sessions of physical therapy--FIVE MONTHS AFTER IT WAS REQUESTED, FIVE MONTHS!!!! One of the most ridiculous things I have ever seen, Cigna should be embarrassed just sending that letter out. My wife's procedures still continue to be denied and are on appeal, even after 40+ pages of physician notes, multiple MRI and consultations with multiple pain management physicians, orthopedic spine and neurosurgery.
THIS is the kind of coverage you can expect with Cigna, have better coverage with Kaiser or any of the Blues. Don't be fooled by they hyped up "Cigna PPO Preferred," just a marketing ploy.
3 years ago Edited November 1, 2021
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
3 years ago
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.
3 years ago
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.
3 years ago
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.
3 years ago
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.
3 years ago
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).
4 years ago
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.
4 years ago
Rebecca Evans American Fork, UT
This company has covered a lot of expenses willingly for us for which we are grateful. Lately they have been giving more push back on needed procedures. They do come through on most, but it takes time and can be quite distressing wondering if they will be able to cover the costs.
4 years ago Edited September 14, 2021
Christine Wheeler New Albany, IN
Dear Cigna, My son has Mild Mental retardation. He had a seizure in the doctors office. He's having intense facial tics. Cigna's response to paying for a CPT code 95712 EEG. "This policy is meant for healthy individuals. You can't have any underlying conditions when you sign up for this policy." Apparently Cigna is above the pre-existing conditions laws that state you can't charge someone more due to pre-existing conditions. They offered to cover it for $600 more a month when I already pay $450 a month. First off my son is healthy. He has special needs and these are discriminatory practices. Saying that a child with MR is not healthy and won't be covered is the sickest most disgusting business practice I've ever heard of. IN CONCLUSION DO YOU REALLY WANT INSURANCE FROM A COMPANY THAT DISCRIMINATES AGAINST SPECIAL NEEDS?
4 years ago
Linda Lewis Woodland Park, CO
I called to ask if work was going to be covered under 2019 or 2020 benefits, and was told it would be under 2020. After the work was done, they refused to cover it, saying it was under 2019 and my benefit had already been used. I went through ALL of their appeals - which, by the way, are all in-house - and they still refused. If you can't trust the information they give you over the phone, then you can't trust them, period.
4 years ago
Lyn Phoenix, AZ
Refused to provide electric wheelchair, because a nurse was able to override Rehab Specialist Doctors evaluation. Said because I didn't have a neurological disease I didn't need it. Cigna doesn't care how disabled I am or how many doctors and PT agree I need it. I am now only able to sit in chair at apt. Can't do anything for myself. Just because Cigna is cheap. Will be changing ins as soon as possible. Putting word out on internet.
4 years ago
Kevin Marquette Valley Center, CA
This is the worst option for health insurance. This company doesn’t care about it’s members. The only thing they care about is their own profits. Doctors and medical directors who work for Cigna are nothing more than corporate crooks. My 4-year old daughter needed a bone marrow transplant a few months ago. Cigna denied covering the procedure. My wife and I appealed their decision as many times as our policy would allow. Cigna still denied covering the procedure. They said it wasn’t medically necessary for our 4-year old daughter to receive this bone marrow transplant. And instead they claimed it was only ‘experimental’ in nature and those types of procedures aren’t covered under our plan. Several of our daughter’s doctors and her primary care pediatrician obviously disagreed with Cigna’s ruling. Every single doctor plus our pediatrician tried to convince Cigna to reverse its denials. But Cigna still didn’t want to hear it. They just kept saying the same thing over and over again: this is not covered because it isn’t medically necessary. And furthermore Cigna did not even supply us with the medical research or data they used to reach that denial decision. That’s why I feel like Cigna just didn’t want to pay for it. And that was really the underlying reason behind their constant denials. Our doctors and pediatrician supplied Cigna with all the medical research they would have needed which shows that our daughter’s bone marrow transplant wasn’t just simply ‘experimental in nature’ like Cigna had claimed. Plus Cigna was supplied with all of our daughter’s medical records proving and showing her underlying medical condition. Cigna still denied covering the procedure. Now as a result of Cigna’s corporate greed and total disregard for our daughter’s health and well-being my wife and I are in medical debt for over $400,000! That is just plain crazy. Even though we’ve already consulted a couple of attorneys regarding this matter that could still take years for us to receive financial remuneration. This is honestly the worst health insurance you could ever buy: either for yourself or your family. Cigna doesn’t care about human life and especially not the life of a sick little 4-year old girl who did nothing wrong in the first place by getting sick. Cigna doesn’t care that it wasn’t our fault or our daughter’s fault that she got sick. All they care about is saving money and increasing their bottom-line corporate profits. Even if that comes at the expense of a 4-year old’s health and life. To Cigna $400,000 apparently appears to be the ‘going rate’ for a child’s health and well-being. Or even for their life. Doesn’t that just make your heart sink?
4 years ago
Monique Valley Center, CA
Hands down, the absolute sleaziest and most spineless unethical insurance company on the entire planet!!! Only sign up for health insurance through Cigna if you have disposable income and don't mind wasting thousands and thousands of dollars on insurance premiums which Cigna will never actually cover services and procedures for once you do need them. All they will do after basically stealing your hard-earned insurance premium dollars is turn around and tell you "no you are not covered." They will fine the tiniest and most insignificant legal loophole in order to accomplish this, not caring for one split second how these same sleazy and dishonest “bait and switch” insurance denial tactics affect your health as a human being. That is exactly how this company makes it record triple digit profits, by lying to and cheating against average consumers like you and me. Thankfully we have review forums such as this one where we can forewarn our fellow consumers of a company’s products and services prior to actually purchasing or using them. I wish I had “done my homework” a little better, prior to purchasing individual healthcare insurance through Cigna. And if I had, then I would have quickly found out about that whole scandal back in December 2007, for example in which Cigna basically denied a lifesaving liver transplant to a 17 year old girl: Nataline S, who eventually died afterwards as a result. (Google her name so you will know what I am referring to.) With Nataline’s case, I felt like Cigna was almost telling her family: “your daughter’s life basically isn’t worth ‘X’ amount of money, so that is why we are not covering your treatment.” Maybe they didn’t use those exact words, but their message was pretty much the same. And I am mentioning all of this, because that is exactly what Cigna has done to me!! I too, required a lifesaving transplant procedure, only mine was for a bone marrow transplant different than Nataline S's liver transplant in 2007. However, Cigna’s response to my transplant was the same which it had been to Nataline’s nearly 13 years earlier: “No this is not covered because it is only ‘experimental in nature’ which your plan does not cover.” So as a result of Cigna's duplicity and sleazy denial tactics, I am now drowning in medical debt to the tune of almost $400,000 which I obviously won't ever be able to repay back in this lifetime!!! Even though I have already contacted a lawyer regarding this, that could take a lot of time for that to wind it's way through the flooded court system. And besides, that’s not really the point I am trying to make here is: we as consumers I feel, almost have an obligation to forewarn our fellow consumers about our unethical and dishonest experiences which we might have had with a particular company. Mine with Cigna’s however, have surpassed that definition of “unethical.” At this point, I’d have to say that I feel like it’s just downright inhumane sleaziness and cold-hearted disregard for quality of human life on their part. Nataline S was just one (of many) examples of that, and mine is yet another. And I’m sure there are probably many more examples out there. But anyways, that’s my review of this company: Cigna. If you are in the market for either group or individual health insurance company, I would STRONGLY suggest that you look elsewhere. This company will be very friendly to you in the beginning, when you are signing up for health insurance and forking over your credit card or checking account numbers to them for automatic payment processing. However, they will turn on you in the blink of an eye when you do actually go to file a claim for the same insurance coverage services which you have paid for all your life, without ever filing a claim. Make your own educated decision as a consumer as to whether or not you would like to purchase any of Cigna insurance products or services. However, based upon my own horrific and nightmarish ordeals of dealing with this insurance company, this is the last insurance on Earth which I would ever recommend to anyone else….. even if it was free!!
4 years ago
Jolanda Johnston
Avoid this insurance company if your life and health depends upon it.... literally!! Cigna denied covering chemotherapy treatment for me despite the fact that I was diagnosed with stage 3 breast cancer several weeks ago. They are claiming that I need to try "less invasive" techniques prior to chemo., but the only reason why I feel they are doing this is because of the cost of the chemo. sessions. Would you believe Cigna had the nerve to suggest that I tried oral cancer medications first, before they would consider approving coverage for my chemo. sessions? I've never heard of anything so ridiculous in my entire life as that, of course chemo. sessions are the most common standard of care.... for someone who has C-A-N-C-E-R!!! Yet Cigna is still trying to find any possible and imaginable way to avoid covering my treatment, even though I have 4 different oncologists on my cancer treatment team who are diagnosing the exact opposite: that my chemo. sessions really are medically necessary. Fortunately, several of my friends and family help me set up a GoFundMe page, so I've been able to raise some money to cover the costs associated with my chemo. treatment sessions so far. The rest of the money for my cancer treatment has unfortunately, had to be taken out of my 3 kids' college funds - money we set aside so they could have that benefit of attending college. Yet now, everything is all up in smoke....all our dreams of early retirement, of financing our kids' college tuition, of paying off our mortgage early - and all because our insurance company, Cigna refuses to stand by their morals and do the right thing. How can an insurance company act so callous, so cold and without regard for human life? I just don't understand how the people working for this organization can even sleep at night, being as unethical as they are? If no other positive or good comes out of my situation, then at least hopefully prospective insureds considering insurance coverage through Cigna will find themselves well-informed, and able to make an educated decision on their healthcare needs. Trust me though, when I tell you that this company: Cigna is definitely NOT "in the business of caring" about you or your health..... they sure weren't about mine! And also believe me that Cigna is also NOT "together all the way" with you as their member. None of those cheezey, phony mottoes in my opinion, amount to anything more than cliched rhetoric. This insurance company Cigna is the absolute worst of the worst. Based upon so many of my horrific experiences dealing with this atrocity of a so-called "caring and compassionate" insurance company, this is actually the last insurance company on planet Earth that I would even insure a stray dog with!!
5 years ago
Danilo Charlotte, NC
Cigna Health Insurance is the worst I ever had in all my life!
I use to have Cigna Internacional Heath Insurance, actually the best plan, the more expensive. I never needed to use this plan, but once I needed. I start feeling some burning in my stomach and then I visited a gastro and he asked me to have an endoscopy done. I had the exam done and after that Cigna just canceled everything about my gastro and didn't even wanted to pay my endoscopy and believe me, not even the visit in the gastro.
My sister use to have the same insurance and she passed through the same thing but another exam.
Cigna is an excellent receiving money, but when someone need them, they just run away.
They are not a honest Company!
Cigna is untrustable!
5 years ago
Wilmaris Ashburn, VA
Can I give zero stars? Runaway from this insurer. It's the worse medical plan you can find. They won't cover anything but happy to take the Government and your money. The only services they cover are preventative. Everything else you have to pay all until you pay them the deductibles which are so high, you never will on a year. I have to pay for all my doctor's visit and forced to take medicines with high risk to my health because they won't cover it and the only one I can afford monthly creates a higher risk for me to develop cancer. They don't care about your health, they only care about their business. Can't wait to finish my contract with this company. Before I was with Blue Cross/Blue Shield and they were covering all, except the regular deductibles which they count for the amount I have to pay to complete my deductible yearly amount. Can't imagine a company worse than Cigna. Do yourself a favor, run away from this company.
5 years ago
Sennelier999 St Louis, MO
RUN FROM CIGNA. The worst health insurance company I've EVER had. I received claims for other people MULTIPLE TIMES from all across the country (HIPAA?). They said it must just be that I have a common name. I've NEVER been mixed up with another human by an insurance company in my life before, or after, them. They filed almost every claim with errors. I have one office visit with like eight different EOBs populated for it because they don't have a clue what they're doing. It's still that way to this very day despite being on the phone for hours of my life trying to get them to straighten it out. They blame it on the provider. When I call the providers they say Cigna is just like that. I've never had this happen with any other insurance company before, or after, Cigna. They were what my employer provided for three years. I switched jobs in part to escape this HORRIBLE company. Guess what? They changed the status of a claim from TEN MONTHS earlier, processing it so I owed money...after I had already quit, literally moved on, and discontinued services with Cigna. I received no email or letter from them about the change in status of the claim. I finally logged back into my Cigna account because of another issue that came up and realized six months after-the-fact what they had done.The bill was already in collections by the time I found out I even owed anything. PLEASE SAVE YOURSELF AND CHOOSE AETNA INSTEAD.
5 years ago
Brandon Baltimore, MD
I’ve been experiencing sciatic pain for about +3 months I’ve have been trying a variety of medication and seeing a physical therapist and is unable to work because of the sciatic pain. My job requires me to be on my feet and I can’t constantly be standing and running around. I already did a x ray which didn’t show anything I was recommended to do a mri by my physical therapist. I went to my primary care doctor requested a MRI which he orders so I went to the radiologist and make a appointment which was postponed and later canceled because Cigna never approved my MRI(just requested additional info). After researching online I found out it’s common for Cigna to deny people’s MRIs even if it’s urgent for someone to get a MRI. I been dealing with this pain for 3 months and unable to make a living and to this day I don’t even know what’s causing my sciatic pain cause these crooks are afraid they may find something that would cost them money. Health insurance companies prey on the vulnerable and one day these health insurance companies will get what’s coming for them! Single Payer all the way!
5 years ago
Julie Billerica, MA
I have Cigna through my husbands employer and have had it for only 4 weeks now. I had to get Prior Authorization for 2 of my medications and within minutes of them receiving tIhe completed forms from my doctors Denied the medications. One of the medications is Insulin. Cigna has no idea about my medical history and they are denying an insulin that is working for me. They told my doctor that I needed to switch to a different insulin that they are saying I have to use. Cigna IS NOT my doctor. Who are they to make medical decisions for people?? Switching to a different insulin is not that easy. The number of units to take needs to be figured out and that takes months and you have to go through the A1C testing and other things. They denied another medication and said that I had to go on a medication that has at least 26 side effects. And required prior authorization for the medication they said I had to go on. I don't want to be on a medication that has that many side effects (would anyone else)?? I have done a bunch of research on the medication and it scares the crap out of me. It is obvious that money is their number one priority and not the customer. This whole thing is stressing my out, causing severe headaches and is depressing me.
I want to know what gives them the right to make medical decisions for people they don't know?? They are not my doctor(s). What gives them the right to play god with peoples lives???? I am still waiting for a call back from Daniella in the Pharmacy Department, but I'm not holding my breath. If this crap continues I will be contacting my attorney.
5 years ago
Sladan Orlando, FL
This is the worst health insurance which i ever dealt with. They offered a policy for my father without any restrictions. They charged us three months of the policy term, my father recently just went to a doctor where just a few days ago he's been diagnosed with cancer. Cigna automatically declined our claim stating that he did have a pre condition, what is totally absurd and not true. Furthermore in order to verify that my father didn't have any medical issues whatsoever prior starting his policy with them they asked me to prove that with his medical records 5 years backwards, i went ahead and provided them with medical record since December 2005. Today is 04/07/2019. After couple days of their " due diligence" i am receiving an email that they are canceling his policy completely, when i asked them why? their agent told me that is the decision of his medical team from Cigna even though they didn't find anything about prior illnesses from my dad since he didn't have any. I am extremely disappointed with this Company, whenever it comes to that they need to charge Your card for the policy there is no delays whatsoever which I would be fine with that if they providing what they said they will, but when it comes that they need to pay something for You in return well that's when the issues are starting. I don't understand what's the purpose of having an health insurance on a first place if You will end up paying everything from Your pocket again anyway. I am escalating entire case to my attorney, because this company should be out of business completely!!!
5 years ago
Mrs. R Red Oak, TX
I have been with Cigna 7 years. They were a great insurance to have. 2019 has been the worse experience ever. My husband fell and ripped his rotator cuff. They would not pay for MRI (said he needed 6 weeks of therapy) now if he would have done pt it would have caused more damage. Then the surgeon said he needed surgery. CIGNS DENIED that claim and said they needed to see MRI. ok how do we send images to you? The dr. Office asked, they(Cigna) replied: WE DO NOT KNOW! REALLY. THIS is sad. Any then the money we have had to pay upfront now bc dr. Offices do not trust cigna yo pay. This company has had a good run but time is up. Do not get this insurance Aetna is even better than this.
5 years ago
Dawn Brooks Millville, NJ
Short term disability is a joke Been 4 weeks they still haven't sent the correct forms to the correct doctors I'm getting the run around and my doctor is so confused he doesn't understand the paperwork they are sending him, the mental health questions are a joke they are actually trying to nay say a doctor evaluation who I have gone to for 20 years for same problem, I can not get my own case worker on the phone I keep getting other so called associated people who say all sorts of conflicting statements I actually had one guy tell me they don't approve mental health claims easily because you can't actually see it like you can a broken leg, what??? Are you serious omg how rude. I'm still waiting game fir my case worker to call me after 3 weeks I doubt I'm going to get paid. So nothing like being depressed and stressed and them adding to my condition. They should be held accountable for their incompetence
5 years ago
Rick Manchester, CT
What a horrible experience when you're sick! I have been dealing with Cigna for several years now and each time I talk to an associate, I get wrong, conflicting, and inappropriate information from them regarding claims and coverage. I am shocked at the number of times I have had to explain to my Cigna associate how my deductible works because they are giving me inaccurate information. This includes giving my healthcare provider figures like $4000.00 instead of $400.00 left to meet my deductible. I frequently get disconnected when I am on hold waiting for a supervisor and I am often transferred to wrong departments. I seldom get return calls when I have requested them and I never have gotten satisfaction with the numerous problems I have with coverage. If I had a choice, I would drop this awful insurance company in a minute. You win again, Cigna. You got my insurance premiums (+/- $14000.00 annually) and you got out of paying bills . Shameful!
5 years ago
Mara Eureka, IL
I have had nothing but a horrible experience with Cigna. They’re a mess. I was passed around to three people, one of whom being the lead for their short term disability department. The first person i dealt with didn’t even investigate, and their lead admitted it before passing me off without communication to someone else. My appeal (which occurred due to the first person not doing anything, so if you get Rahim, run.) was then drug our weeks with little to no communication, and now I have an address change that’s been on file and they’re still refusing to send it to my actual address?? Not to mention the complete inadequacy in regards to mental health. Their entire front of being cohesive and open is a joke. I have never had to deal with more inconsiderate and biased people in my ENTIRE life. The only decent person was someone in their call center, who I spoke to to file the first complaint. They will weasel their way out of helping anyone, and focus on the one fine print, neglecting doctor testimonials and even the exact issue at hand. It is disgusting and immoral. Cigna is a waste of money, and an absolute mess. They sent at least ten half faxes to one of my doctors, who was completely confused because it was the exact same thing she had already sent in. Disorganized, i’ll-equipped, and pathetic. Do not waste your time or money.
5 years ago
Lila
Very unfriendly process to get reimbursed and unprofessional people. Everything is made to discourage you. When you call the number indicated you have directly the voice mail and of course they never call you back. And when finally you manage to create a claim after 2 hours of persistance to comply with all their criteria, they just remove simply your claim the day after. On top of that they ask a million documents to send by scan but the download size is limited to maximum 2 documents! I wish I had ead the review before subscribing. As it was offered by my company,I thought it was a serious and professional insurance. Obviously they are not: almost 200 review and average is 1 star! (less is technically impossible unfortunately)
5 years ago
Danyela Olivares Delray Beach, FL
The worst insurance company I ever seen. I am giving a 1 start because I can not give a 0. I have an ear infection and I called customer service to get an advice on where to go, they assured me than MD now can resolve my problem, I ask I do not want to go to MD now and pay $75 for them to say we can not resolve your problem here, then the customer service representative told me they sure will resolve your problem and guess what? They did not, they told me that I need to go to an Specialist to drain my ear, that is exactly I was trying to avoid and because of Cigna guarantee me MD now will resolve my problem, I went there. I will definitely cancel this insurance where the customer service is a useless
5 years ago
Sally hughes Chicago, IL
They, whoever They are, at Cigna denied an anti seizure medication for my 81 year old husband. He’s been on it since his first and only seizure. It works. It’s been suggested he try a less costly drug. Anyone who’s witnessed a grand mal seizure can understand our reluctance to play Russian roulette with an unproven drug. World class medicine gave my husband his life back only to be threatened again by a bean counter at Cigna. I’ve spent three hours on the phone, to date, neurology nurse spent a couple of hours dealing with Cigna, Cigna staff spent at least five hours on same. Total cost of person hours would have paid for the right drug. Stupid
5 years ago
Amanda Schaumburg, IL
WORST INSURANCE COMPANY EVER- Their customer service is non-existant. I quit smoking back in December- completed their smoking cessation program (which entailed some guy talking to me about how he brushes his teeth?!?) and am STILL getting charged for being a smoker because they cannot figure out how to send information to my benefits team. I have talked to over 15 people, supervisors, etc. No one returns calls except to tell me they need 10 more business days to look into this. They were the once I completed the program with! What is so confusing about this process? I am already out an additional $300 because of their incompetene. I hate their company with a passion and hope their go bankrupt.
5 years ago
Lee Weston, MA
RUN, don't walk, to another company. They are horrible to deal with. They deny, deny, deny with their pre-certification procedures, regardless of medical necessity and their own written guidelines that you can read on the eviCore website. Their only interest is in taking your premiums and making as much profit as possible for the CEO and top execs. Paying for insurance without the BENEFIT of proper insurance is not what paying for insurance is supposed to be about. Look online at the lawsuits that have been filed against them for scamming customers, overcharging them for prescription kickbacks, overcharging them for co-pays, etc. They have some of the highest rates of denials and complaints and overturned appeals for a reason. Employers are using them because they are cheap for employers. Employees are getting screwed with this horrible insurance. If you can afford another option, buy it or get a wrap-around plan. Cigna won't cover your needs if you need something other than routine care or have a medical crisis. And they can make your life much, much more stressful and financially devastating at the same time.
5 years ago
Tracy R. Winston-Salem, NC
The claims processors keep putting one of our doctors as out of network even though they are in network! Takes way too long to correct these problems. I'm on MyCigna daily to see if they actually processed a claim correct or not. Majority of the time they screw up the claims. Some customer service reps are rude and don't really care. Other are helpful but can't fix Cigna's errors and they have to send it -back to get reprocessed again which will take 7-10 days and up to 21 days. To get a refund from them is ridiculous and they try everything to keep your money. When they overpay you, they want it back NOW!!! We have a case manager, left emails and phone calls and have not heard back from her. Not surprised.
6 years ago
Angela Newton Canton, OH
I have spent more time trying to get them to issue my refund check then it is even worth. They are suppose to send a check for $312.38!! That's it....not a big number. They keep reprocessing the codes and randomly come up with different amounts. It has been over the year since the service and everytime I call "well, that's not right. I will have them send it back to claims to reprocess" EVERYTIME! I just sat on hold for 45 minutes to hang up and come to the conclusion I have spend more than $312 on the phone waiting while I could be doing other, more productive things. Such as writing a review saying if you have a choice DO NOT WASTE YOUR TIME ON CIGNA! Makes me wonder how many other claims they are " incorrectly processing to save money.
6 years ago
McKenzie Sheldon Palmyra, NJ
Cigna has been the worst for claims. I submitted medical expenses to get reimbursed three months ago and still have not received anything. I used to have Horizon Blue Cross and they would take a maximum of two weeks to let me know that I would see the funds in my account within the next 5 business days. Meanwhile everytime I call Cigna for an update, not only is it a headache to talk to the representatives, but it seems like nothing has even been started with my claims and they continuously tell me to wait another week. I cannot wait to switch health care companies. Even if I have to pay more, I will at least know I will get better service.
6 years ago
Mary Moseberth Fort Wayne, IN
As a diabetic it has taken months to be stabilized on my current insulin. Switching from Aetna to Cigna, they decided they wouldn't cover the only one we have found the lowers my sugar. They will only pay for four types that my doctor never prescribes due to the lack of success in stabilizing patients sugar levels. Glad that some paper pusher knows more a out what will work for my health conditions, than my own physician. Also, hate that you are forced into 90 day supplies of meds. It has yet to save me money. In fact it prohibited me from using savings cards given by the drug makers. Cigna doesn't care about their subscribers, they just care about providing the cheapest care with the highest premium.
6 years ago
Aaron Robertson Houston, TX
Cigna insurance is garbage and they don't care about their members.
In short, I have a torn spinal disc on which I was supposed to have surgery about 2 months ago. Cigna denied my surgery, and my experience since then with Cigna in trying to resolve this has been utterly awful.
Cigna decided that my surgery was not medically necessary because I hadn’t seen a psychiatrist, which is absurd. 2 MRI’s and other diagnostic procedures clearly indicate a torn L5-S1 disc as the source of pain. The issue with my spine is quite obviously mechanical, and so the requirement to see a psychiatrist was a complete waste of my time and money, and kept me in pain needlessly. But I went ahead and saw the psychiatrist anyway, figuring it was the fastest way to get approval.
After Cigna lost the records my doctor sent over multiple times, I was finally able to get them to confirm they had what they needed. At this time, I was told they would reach a decision in 5 business days. After a week, I called to find my case was not even under review. Then, I was given a new promise of a decision within 72 hours. After that time elapsed, I was told that no decision had been made and they couldn’t even tell me why. After several more calls and more conflicting answers, I'm now being told that I’ll have to wait 30 days. No one at Cigna seems to have any clue what is going on with my case, and they just give me false or conflicting information.
Cigna "Customer Service" is a complete nightmare. They have given me false information over and over, and refuse to take any responsibility for it. I satisfied their requirements for this surgery over a month ago, and yet they continue to delay. They seem content to keep me in pain indefinitely, with an ever-changing story about when I'll get a resolution. Cigna simply does not care about their members at all, and they operate in bad faith using questionable denials and delays.
6 years ago
