Though its origins go back to 1792, Cigna was officially founded in 1982 when two companies merged. Since then, the insurance provider has grown worldwide, serving millions of customers in multiple countries.

Consumers considering health insurance companies need to understand the offered health benefit plans, what each policy covers and what it costs.

Is Cigna good?

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Customer Review: AGenes from Eagle Mountain, Utah

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

Cigna has many health benefit plans to choose from. Cigna global health plans are available to independent buyers and businesses whose employees travel or work internationally. Typical health plans offer coverage domestically, so you'll need to get an international health plan if you want coverage abroad.

Positive Cigna reviews on Best Company talk about satisfaction with coverage, claims processing, and doctor networks.

Reviewers that gave Cigna a poor rating had difficulty resolving issues, getting pre-authorization, and getting claims paid. These are common concerns across the industry. Both positive and negative customer experiences are helpful to understand when enrolling in a health plan.

Read Cigna Reviews

In the United States, Cigna offers a wide selection of health insurance plans and several unique qualities. Cigna offers Medicare plans and HSA-compatible plans. It also provides dental and vision insurance plans.

Cigna also has good member resources for patients. If Cigna health insurance is available in your area and you find a quality, affordable plan, it is a good choice.

The Good

  • Positive Customer Reviews
  • Types of Plans Offered
  • 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.

Get Quote

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.

The Bottom Line

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

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

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

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

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

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

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

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

We'll Introduce You!

Call our recommended rep over at Cigna below.

1-(855) 246-9950

User Reviews

Star Rating

2.8
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196 Reviews

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Jenny A. Tibbetts

August 8th, 2018 Tooele, UT DETAILS arrow_drop_down
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Cigna just denied me to have a lifesaving medical procedure that helped my cousin (who has the same GI genetic condition that I have). I'm getting sicker every day, what a nightmare! Through it all I've managed to graduate from college (this month) but will not be able to even hold down a job now because this procedure was denied. I'm hiring a lawyer and looking into all legal option!

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Susan

August 8th, 2018 Montross, VA DETAILS arrow_drop_down
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We have had Cigna for a decade. Out of pocket has doubled and the process to get out of network provider costs covered has become cumbersome. They have outsourced customer service for some customers. This was particularly evident when my husband's company dropped Cigna due to a rate hike and our account was handled very poorly in the last 30 days of our coverage. The pharmacy even sent out an expensive prescription and charged my credit card after we were no longer customers were no longer customers.

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Jimmy Picha

August 3rd, 2018 Houston, TX DETAILS arrow_drop_down
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This is the worst insurance there is my plan covered annual physical at 100% but of course Cigna didn't pay I did call them and they made the appointment and said it would be paid at 100% I told the Doctor all I wanted was annual physical nothing else Cigna sends a bill they will not pay they are not in network. Every time I use them they have a excuse not to pay this is crap insurance please save your money get another Insurance Company.

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Shelly Lomu

July 25th, 2018 Gilbert, AZ

We have been really happy with our health insurance. I’ve had a few questions about providers and found the website easy to navigate.

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Mike Affleck

July 23rd, 2018 Cedar Park, TX DETAILS arrow_drop_down
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They are outstanding in large group carrier with great customer service

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HB

July 16th, 2018 DETAILS arrow_drop_down
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They set a limit on how much needed medication they will pay for a patient in a month. Their rules are rigid, even with a doctor sending them a letter, explaining a covered procedure.

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K Mason

July 16th, 2018 DETAILS arrow_drop_down
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Slow service; as their rates are very high.

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Spencer Hodgson

July 16th, 2018 Salt Lake City, UT

They provided good service for me and good health coverage.

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Stephen Kincaid

July 10th, 2018 Frederick, MD DETAILS arrow_drop_down
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Claims are always denied - can no longer receive the level of healthcare I did from Blue Cross Blue Shield. I can't even go to the doctor anymore.

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Thelma Gwin

July 10th, 2018 Milton, DE DETAILS arrow_drop_down
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I like them a lot, but I wish they could pay the co-pay and a little more than they cover.

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Adam B

July 10th, 2018 DETAILS arrow_drop_down
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slow, unresponsive, changing to the wrong direction

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Kenneth Bouldin

July 10th, 2018 DETAILS arrow_drop_down
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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.

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Robert Joros

July 10th, 2018 DETAILS arrow_drop_down
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There are some Cigna's that are great. We recently changed co Obie's and the old policy was great. I loved it. One of the best insurances I've ever had and I've had some good ones. But the new company's insurance is awful. By far the worst insurance I've ever had.

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No name

July 10th, 2018 DETAILS arrow_drop_down
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Not much. The only complain is that paying so much for premium I still owe mom tu to am lab

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Amy Stewart

July 6th, 2018 Gilbert, AZ DETAILS arrow_drop_down
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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.

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Jim Stewart

July 5th, 2018 Queen Creek, AZ

Cigna customer service has always been professional and information given reliable.

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Kaleb Herbert

July 5th, 2018 Gilbert, AZ DETAILS arrow_drop_down
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I am new to Cigna, but it has been very frustrating to try and get answers to costs prior to attending an appointment. I was transferred to 3 different departments and still did not get the answers I needed. I am not happy with the service.

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Mary Moseberth

July 5th, 2018 Fort Wayne, IN DETAILS arrow_drop_down
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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.

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L

July 5th, 2018 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.

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Aaron Robertson

June 26th, 2018 Houston, TX DETAILS arrow_drop_down
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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.

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michelle l pierce

June 26th, 2018 Gilbert, AZ

Great customer service, good choice for doctors and hospitals .

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A Craw

June 5th, 2018 Draper, UT DETAILS arrow_drop_down
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I have been dealing with a Cigna problem for the past year. It hasn't been corrected and it is a Cigna issue. I continue to deal with the problem. My husband's company is now switching insurance providers because it has been such a frustrating issue. He is an executive at the company and there are currently over 200 employees (and growing, they just had their series A capital raise). I honestly wish you could contact me about this. It is not resolved and I have had Cigna insurance for years prior to this without an issue.

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L. Fowler

May 31st, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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We had a pleasant experience with Cigna and really didn't have any issues with filing claims or having them pay for services we incurred.

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Carol Hughes

April 28th, 2018 DeSoto, TX DETAILS arrow_drop_down
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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.

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Andrea Smith

April 16th, 2018 Idaho Falls, ID DETAILS arrow_drop_down
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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.

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Zoe Julian

April 15th, 2018 DETAILS arrow_drop_down
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I would give Cigna zero stars if it were possible. Cigna gave me the run around for 9 months following a medical procedure that was covered by my insurance. They continued to reject my claims even though everything was covered and had been verified previous to treatment. Only after threatening legal action did they fulfill their end of the terms. The customer service was less than helpful and I was given incorrect and different information every time I called, resulting in confusion and a longer time to get my claims settled. I will never use Cigna again.

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Christian Mandl

March 24th, 2018 Lexington, MA DETAILS arrow_drop_down
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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.

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Drew

March 16th, 2018 Rainbow, TX DETAILS arrow_drop_down
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I wish there was a zero star rating. WORST possible insurance available. Negligent, malicious, heartless, worthless. They should be investigated and audited by each State and Federal government for predatory practices and their proven deny / delay tactics. Have had excellent experience with Aetna, State Farm, CHUBB, Minnesota Life, and CUNA. Cigna is a disaster and hides behind ERISA protection that was supposed to protect consumers. Instead Cigna gets to act as judge, jury, and executioner.

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Shirley Carolan

March 7th, 2018 Kirkland, WA DETAILS arrow_drop_down
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DIRE! They would not even pay for preventative. Their excuse was, because a polyp was found in 2012 (benign so it was nothing more that a spot) then I can never have a preventative colonoscopy again. I was left with a large bill. Yes I Appealed because the surgeon insisted it was preventative, they denied the Appeal. I will never use them again. I'm done!

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Alejandro J Sola

February 22nd, 2018 Stony Brook, NY DETAILS arrow_drop_down
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Having to interact what Cigna calls "customer service" is difficult, time-consuming and draining. And given their dishonest inefficiency, every claim has to be followed up manually. Avoid at all costs. Ask your employer to switch. And vote for whichever candidate will put these parasitical companies out of business.

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Sheila Waldrop

January 17th, 2018 Stringer, MS DETAILS arrow_drop_down
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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

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Michael Gallacher

January 17th, 2018 Herriman, UT DETAILS arrow_drop_down
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I only make $24,000 a year. $3,600 of that goes to the annual Cigna premiums and I have a $6000 deductible and that's through my employer plan! Can you say WORTHLESS?? The Cigna plan is to steel as much as they can per month and discourage you from using it with a hulk sized deductible. Bottom line is they are thieves.

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Chao

January 6th, 2018 Oklahoma City, OK DETAILS arrow_drop_down
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We paid more than $20,000 a year to this company but our plan only paid less than $2,000 for our visits in year 2017, they applied as much as they could to the deductibles/copays. Their stock share price keep increasing all these years and now it's rocket high, think about how much money they made on us every year.

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CG

December 30th, 2017 DETAILS arrow_drop_down
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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.

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Matt

December 28th, 2017 Howie In The Hills, FL DETAILS arrow_drop_down
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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.

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Sherry

December 27th, 2017 Fort Walton Beach, FL DETAILS arrow_drop_down
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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.

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Debrina

December 27th, 2017 Mobile, AL DETAILS arrow_drop_down
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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.

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Hannah

December 7th, 2017 Pleasant Grove, UT DETAILS arrow_drop_down
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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.

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John Price

September 6th, 2017

I would rather deal with the cable company. Cigna has consistently denied and/or denied valid claims for healthcare strongly recommended by multiple healthcare professionals. We have waited months for claims to be processed and are never given clear guidance why some claims are paid and others denied. I have never dealt with a worse "service provider", particularly one that had literally life and death power over the lives of others.

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Sue

September 5th, 2017 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.

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Param

July 27th, 2017 Smyrna, GA

It's been more than 4 weeks since i submitted the claim, and whenever i contact customer care team, I was advised to wait for 10 business days. Also they rejected the first claim even though it was within the policy date, after talking to a customer care agent they accepted that its their fault and now re-processing that claim. Worst health insurance company

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Daniel

June 10th, 2017 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.

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Darin Davis

July 1st, 2016 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.

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Eva Iglesias

May 6th, 2016 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.

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RayChilders

February 27th, 2016 Orland Park, IL

Cigna refuses to cover annual mammograms.We have been trying for 3 years we always pay full mammogram bill

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Michelle Williams

August 17th, 2015 Social Circle, GA

Cigna's Health Information Line where you speak with a nurse about a health issue is a waste of time. The "nurse" read through a list of questions (repeating some 2 or 3 times) and then said we needed evaluation by a pediatrician. She was clearly reading from a prompt the entire time. I have Google for that. I give it a 1 because she was polite. Just not helpful or knowledgeable.