Name: Cigna
Rating: 2.5

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Carol Hughes DeSoto, TX

I have had Cigna as my medication insurance for years. This will be the LAST year I have them. They approve a medication , then turn around a month later and deny it! Every year, they remove medication from their formulas that someone has been on for months or years....& not powerful meds either.....normal meds that do not have addiction tendencies. The worst part is THEY want to override your physicians treatment plan & tell you what THEY think you should take! I'm sorry, but an Insurance Company is NOT my doctor. I believe my doctors knowledge is more valuable in knowing my health issues, than any pharmacist or insurance company! And when they want to push their idea of your treatment plan, they call you 6-8 times a day, hanging up & leaving a message! That's harassment as far as I'm concerned.......I am SO done with this company.

6 years ago

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Christian Mandl Lexington, MA

Seems to be a highly dysfunctional and poorly organized company. Within 6 months they have managed to (i) send me an incorrect 1099 HC form; (ii) refused to correct the form; (iii) after intervention from my employer promised to correct it, but instead sent the wrong form again; (iv) failed to reactivate my insurance under COBRA for two months in spite of me providing proof of having paid my premiums; (v) sent two out of 4 reimbursement checks to the provider instead of me although the receipts clearly showed that I had payed out of pocket; (vi) were unable to track the checks that were delivered incorrectly and gave me repeatedly wrong information; (vii) delayed processing of claims for over two months and sent me more than 10 letters announcing those delays. With this error rate, I wonder how they can stay in business. As a customer, it is a very frustrating experience. I strongly recommend to look for better insurance companies.

6 years ago

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Sheila Waldrop Stringer, MS

Worst insurance money can buy! My husband and I pay $1,200 per month and pay for the best coverage they offer. I have multiple problems due to a car accident 4 years ago. Had a triple disckectomy over 3 years ago. Still have 1 collapsed disc in my neck and every disc in lower lumber is bulging/ herniated. My Doctor ordered an MRI in November, 2017. Cigna denied it. Well, had an epidural injections in my neck in January, 2018.. they denied it as well! I wouldn't recommend this insurance to anyone!! I only gave a 1 star rating because there wasn't an option for a zero. Please do not waste a single dime on this horrible rip off insurance

6 years ago

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CG

While trying to get information on my employer provided Cigna plan, I was given the worst run-around. My employer & Cigna own me, according to them. When I tried to just cancel the policy, Cigna refused, stating that my employer had to do it. My employer is also able to mandate vaccinations and other services that I object to. Cigna refused to cancel and would not answer any questions with anything other than a "sorry". My HR person also would not discuss Cigna. So, I pay these worthless bums for a crappy policy that I do not control and am forced to continue paying for, even if I do not use it. I F'ing hate Cigna with all of my heart. They are one of the worst examples of the "medical cartel" in my opinion.

6 years ago

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Matt Howie In The Hills, FL

So let me tell you how I got screwed by Cigna. My son was born in May of 2017 and I go on their mycigna website to find a pediatrician for him and found one 2 towns over that had good reviews and was IN NETWORK. So just to be sure I call Cigna to make sure I am good to go to bring my son there. The rep tells me "yup you're all good to go to Dr. Smith" (his actual name). So I bring my son there 4 times from May through November and don't hear anything from Cigna at all. I go on the mycigna website at the claims section to see that I owe $1,953.00. This surprises me since I have never received an explanation of benefits nor a bill for any amount. Not to mention nothing from Cigna telling me that there is any issue and that my doctor ISNT in my network. So I call Cigna to ask what is going on and they state they sent me explanation of benefits telling me that the doc isn't in my network and how much I owe which was approx. $500 per visit. I tell them that I have never received anything at all in the mail and they basically said "tough" we sent it to you now its your responsibility. So I have 4 issues: 1) the Cigna rep told me the doc was in network. 2) Cigna never told me the doc wasn't in network and never sent me an explanation of benefits because if they would have I obviously would of switched doctors. 3) I've never received a bill whatsoever. 4). They told me if I didn't pay the mystery bill I would be brought to collections and dropped from the insurance. Mind you, I HAVE NEVER RECEIVED A BILL. Cigna is an unbelievably dishonest and scummy company who wont own up to their mistakes and has no problem screwing over honest, hard working people. I told the rep that if I would have received an explanation of benefits saying my claim was denied the first time I brought him, I would of had no problem paying the bill and finding another doctor but Cigna never provided me that chance and wont own up to their mistake. Stay far away from this company and I would recommend recording every conversation you have with them since nothing they say can be trusted as the truth.

6 years ago

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Sherry Fort Walton Beach, FL

I bet Cigna has more more money this year than any other year they have been in business. Because, the have screwed over so many hard working people who pay a lot for their health care coverage and do not get reimburse for anything. Cigna hires 3rd parties to try and deny claims. Worse insurance company in US History. God I hope our employer switches back to Blue Cross. Blue Cross Geo Blue is like Heaven and CIGNA Global/Envoy is the Devil themselves. Pure Evil. Customer Service Sucks. And forget getting a legitimate regular claim paid or even a percentage. How in the world they have a 2.9 stars out of 5, I will never know. Should be No stars out of 5. Horrible, Terrible, useless coverage. Who ever works in the claims dept. should be fired and in prison for life. Monsters.

6 years ago

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Debrina Mobile, AL

Since I have been living for 52 years I have NEVER had health insurance as HORRIBLE as CIGNA. By far the worse crappiest non paying for normal standard claims insurance on the planet. If there is a health insurance worse than CIGNA, you may as well not even have any. I have had a ton of different insurance companies and have worked for many insurance companies and CIGNA is absolutely TERRIBLE. They will not cover legitimate claims when it's obvious you went to the Dr. and you needed what they told you needed. Will not cover Chiropractor (not enough), will not even cover a medical eye visit. I have paid out of pocket this year more than I have ever paid out in my life. Just about went bankrupt paying out of pocket for things that should have been covered for my children, husband, and myself. Im not talking about anything over the norm. Just normal regular things that all other insurance covers, other than deduct.

6 years ago

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Sue Wharton, NJ

They are the worst insurance company I ever had to deal with. First you call and get a person you can't understand and they get mad when you ask to repeat themselves. I have this insurance through my job and they deduct from my pay 2 times a month, so they get their money no problem. My husband has been diagnosed with a rare immune disorder and the doctor whom is a specialist did all the necessary tests to prove this sickness. He got 5 treatments and was starting to get some feeling back in his hands and feet. The doctor request 4 more weeks of treatments 2 times a week and the insurance is questioning the doctor for more tests to be done. Meanwhile he is not getting the treatments for a month and a half and he is not getting better. Now he is right back to where he started not able to walk properly. This company is delaying any progress to his health. I thought Medical Insurance is there to help. I am so disgusted with this low budget insurance company.

7 years ago

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Daniel Anoka, MN

One of the worst experiences I've ever had. I've been on leave from work for 3 months and am still struggling to get my disability benefits. They say they believe I am sick and the documentation is sufficient, yet they keep denying my claim for very vague reasons. I have contacted an attorney, talked to my HR manager, who is just as confused as I am about why they keep denying it, and it doesn't seem to phase Cigna. They didn't mind taking my money every paycheck for the past 2.5 years, but when I need those benefits, they stall at every opportunity. I am dealing with a health issue that is stressful and exhausting on it's own, and Cigna has only added to this stress and I am now more focused on trying to get my disability benefits to pay bills than I am on taking care of my health. This company makes me sick, they treat people like junk and I am shocked that my work chose to go through them after reading the reviews here. I have no idea how they stay in business when they treat people like junk. Unfortunately, it looks like I will have to hire an attorney and sue to get my benefits.

7 years ago

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Darin Davis Phoenix, AZ

In the day of the Internet Cigna only will use snail mail as a way of delaying paying short term and long term benefits. I have been struggling daily with Cigna to get paid for both short and long term. I have to delay my physical therapy as I have run out of funds dealing with Cigna. When SS Administration tell you Cigna will do every possible not to pay long term they were spot on. Now my ability to return to work is compremised as I have to stop physical therapy delaying my ability to get back what I lost due to a major surgery and delaying my ability to return to work in a timely manner.

8 years ago

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Eva Iglesias Redwood City, CA

I have Cigna through my husband's job. I do not recommend this company if you are planning on actually using out of network providers and submitting claims on your own. My experience is that they will take an average of 3 months, sometimes 9 months, to pay your claim. They will send the claims back saying there is missing information or wrong codes, which is typically not true (based on my follow up calls, CS reps tell me the information is all there and correct). The have also sent payment to my service providers instead of me and then you have to follow up twice with Cigna and you will not receive the check for at least 45 days. Bottom line, be prepared to stay on top of your claims and spend hours on the phone with Cigna if you choose this insurance company. My experience is that CS reps are good. The problems is with the claims processing people and/or automated system.

8 years ago

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Nashali Vescovacci FL

Cigna is a great health insurance company. They have a large variety of service and a lot of doctors in their network. Their customer service is great and their employees are very helpful.

3 years ago

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xabriah glenn-young Tallahassee, FL

When it comes to dental as an insurance company Cigna meets the needs of its clients and ensures that you get full coverage and that you get the best quality care and recommended services to help aid you and your process

3 years ago Edited November 4, 2021

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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.

3 years ago Edited September 14, 2021

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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.

3 years ago

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Jessica Archuleta Riverton, UT

I use Cigna as a second insurance since my husband's is our primary. They have been great to work with . They very easy to work with when it comes to them picking up what is left after my husbands insurance

4 years ago

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Kevin Liu Sandy, UT

Cigna has good coverage options for my primary care doctors. Their web ports is very transparent and easy to use to find physicians and see what I’ve paid towards my deductible.

4 years ago Edited September 14, 2021

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MattB Salt Lake City, UT

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

4 years ago

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Stephanie Love West Valley City, UT

I’ve had Cigna insurance for several years and I have not been impressed with them over the past few years. The costs have gone up and the coverage has gone down. I’ve had procedures denied even though the doctors have requested them and the only way to get them approved was going to an ER because the severity of the pain. I haven’t like how the insurance company tries to dictate medicine.

4 years ago

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Mike Ika West Valley City, UT

I was with Cigna for approx 19 years. You get what you expect with health insurance. You jump thru the hoops when filing claims. You get the pre-approvals when going in for procedures. There really isn’t anything that sets Cigna apart as better or worse than other insurance companies.I would say its average. I recently switched to another provider due to premium rates, no other reason.

4 years ago

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bailey jo Orem, UT

My parents had us on Cigna through my mom's work and it worked pretty well until I moved from Texas to Utah for college. Anytime I would try to use it, it would give me headaches trying to get my coverage set up and when I had ACL surgery, it sent me to a doctor that I didn't really trust and I ended up needing surgery again on that same knee a few years later.

5 years ago

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Ron Durfey Pleasant Grove, UT

I was lucky enough to have Cigna health insurance through my employer and always appreciated the support that I received from them. They were fair and helped with my health needs. Great company and great coverage. I was glad to have Cigna as my health insurance payer.

5 years ago

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Stephanie Orem, UT

We have had many health insurance providers and Cigna has been my all time favorite. It seemed like our bills were dramatically lower when we were with Cigna and our premiums were cheap. Look into Cigna if you haven't.

5 years ago

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Reese Pleasant Grove, UT

I have had Cigna in the past and they are easy to work with, don't have killer fees and have a great selection of doctors and care specialists available. They are easy to talk to and easy to learn about what I need to do.

5 years ago

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Emily Lindon, UT

We changed insurance to Cigna in the last year. Their customer service is helpful and will take the time to help you sort things out. It is also very simple to figure out which places you have coverage at.

5 years ago

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kerry perez Orem, UT

Im a current Cigna customer, i havent had to worry about anything with doctors, they've helped me with all the questions that i've had. Love the app, makes it easy to show ID!! highly recommend it

5 years ago

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Sydni Robinson Alexandria, VA

The Copays are on the higher side but there are a ton of options for specialists and general practitioners all over the DMV and ever major pharmacy takes them the App is also super useful and easy to use when it comes to helping you find a new doctor.

6 years ago

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Dee Farquharson Washington, DC

I have only used the Amwell feature. I was sick and couldnt drive to a doctor. The remote appointment was awesome. I could describe my symptoms, talk to a real doctor via video chat and get a prescription. it wasn't cheap, but was WELL worth it. I will definitely use it again ( hopefully, I won't have to anytime soon)

6 years ago

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Kaitlyn G. Vienna, VA

Their website is easy and intuitive to find the information you're looking for. EOBs are generated and available within a few days of your visit and notified electronically versus receiving in the mail.

6 years ago

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Katie Howard Pleasant Grove, UT

We used Cigna for a while and liked it quite well. It wasn't our choice, but rather what our employer offered, but we felt like it offered good coverage for a reasonable premium. It only worked with a certain hospital network, though, which meant we couldn't go to the hospital nearest us for urgent care. Most local doctors accepted it.

6 years ago

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Melanie Curtis Pleasant Grove, UT

First time having them as our insurance. So far they have been easy to work with. I was happy to see my doctors in the network and I have only had to my co-payment for my visits. I did have to pay some for labs but it was a small amount for which I was grateful!

6 years ago

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Irene Anders Folsom, CA

I love Cigna. They are very responsive and communicative, both online, prescriptions, and through phone calls from us to them. They have lots of choices of doctors in network wherever we have lived.

6 years ago

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Marci Schramm Salem, UT

We have Cigna insurance through Mountain View hospital in Payson. It is very good. All caregivers I have wanted to go to accept Cigna. It is a very good and dependable insurance.

6 years ago

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Spencer Schuenman Pleasant Grove, UT

We recently got Cigna and switched from another carrier and they have been great. I have spoken with them multiple times and they have been very helpful in sorting out networks and services.

6 years ago

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L Gilbert, AZ

I have had mostly Cigna insurance for 20+ years. It isn’t the most organized company, but for the money compared to other healthcare, it’s been a good value. They just are very disorganized and it’s hard to get a consistent answer when we have a question.

6 years ago

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Andrea Smith Idaho Falls, ID

We have had Cigna health insurance on three occasions and it has been very difficult every time. Their customer service is terrible and getting an answer to a question requires a million phone calls over several days. Their coverage is not as high as many other providers and many of our coworkers have complained about not being able to reach anyone to get procedures preauthorized. We have had several instances where things were billed incorrectly and each time we spoke to someone who told us it was taken care of, it wasn't and continued to be wrong. The doctors and hospitals have also told us they hate working with Cigna. We always try to avoid having Cigna insurance through our employer.

6 years ago

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Kevin Rusch West Jordan, UT

Terrible company to work with that cares little about customer health and all about their bottom line. Reject any claim they can and require appeals. Recently had an emergency pop up requiring an immediate MRI around the holidays and they still rejected it. Also disappointed with my company for selecting such a narrow minded corporation like this.

11 months ago

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William Strand Fort Myers, FL

Received a letter that Cigna will not renew it's contract with Memorial Sloan in NYC. How in the world does Cigna not reach an agreement to have one of the best cancer facilities in the world, literally a hospital that people throughout the world travel to, in their network in particular when it is one of the most used cancer facilities in the NYC area. I hope they find a way to fix this before the end of year as most other major insurance companies seem to have been able to keep Memorial Sloan in their networks

1 year ago

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Wendel Croft Pinellas Park, FL

In 2023 my wife and I had Cigna Dental insurance. Absolutely horrendous company to do business with. They constantly look to deny and if that doesn’t fly they will absolutely nickel and dime. The dentist (Cigna preferred ) has actually withdrawn from accepting any Cigna dental insurance in 2024. Worst of the worst and frequently give incomplete and/or inaccurate information Best advise I can give - pick another company- they are truly awful

1 year ago

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Tony Chicago, IL

Cigna is the worst healthcare provider I have ever used in my life. It seems like everything is a denied claim. It does not matter if your doctor prescribes it... they, in their infinite wisdom, know better. Short of a well visit, you are likely screwed. Doctor visit - NO. Specialist - NO. RX - NO. Sleep Study - NO. This company is nothing more than a Billion Dollar scam money grab. If I could score lower, I would.

1 year ago

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Joseph Tempe, AZ

Signa is one of the better health insurances I have had, they have a lot of resources and when I called, they are very helpful answering questions

1 year ago

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Natalie Shapiro Miami, FL

If I could give this company a ZERO I would. Customer service doesn’t exist there, people are confused, have no idea what the are doing. They give you a run around and transfer you to someone else to brush you off. Wrong information is being provided to get you into buying the policy and after you are in, nothing is covered as promises. Horrible company, STAY AWAY!!!!!

1 year ago

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G.J. Boise, ID

We no longer have Cigna health insurance. They made it difficult to submit a claim. Their website made no sense it had way to many links that you need to use. The only thing that was good with this company was their customer service. With a lot of help I could kind of get around on their website.

2 years ago

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montereynative Auburn, CA

I cancelled my dental policy with CIGNA on 11/4/22 because I got a new job with dental insurance. I was told by CIGNA that my auto pay of the insurance premium would be cancelled. However, CIGNA charged me $85.10 again on 11/7/22. I called CIGNA again on 11/18/22 and they said they would cancel the auto pay. But on 11/29/22, I was charged $85.10 again. Worst company to do business with!

2 years ago

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Linda Vick Liberty, MO

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

2 years ago

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RealPerson Mililani Town, HI

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

2 years ago

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Ronald Sumlin Ocean View, DE

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

2 years ago

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Steve Lammers Kansas City, KS

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

2 years ago

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Carrie McCain Upper Marlboro, MD

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

2 years ago

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Paul Turner Chicopee, MA

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

2 years ago