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Cigna

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5.3

Overall Score

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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.

1 year 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.

1 year ago

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Andrew Cox

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

1 year ago

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Charley Graybell Salt Lake City, UT

They send out incorrect information by mail and email to customers. The website gives incorrect information. The customer service reps (when you can talk to one, it takes hours) have no clue. Basically, no one there has any idea about where to find something on the website, what is covered, what doctors are available, or anything else. It's like dealing with a foreign government.

2 years ago

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Cindy Alam UT

I have Cigna Dental Insurance, and the plan I chose is a PPO. I have a cracked tooth which occurred at the beginning of January, 2022. My dentist submitted a claim in order to get this fixed. Here we are in March of 2022, and they still haven’t approved the service to be completed. When I call them, they use a bunch of dental insurance terminology that I don’t understand. Bottom line, I’m still waiting for my dental service to be approved. What a crappy company!!!!!!!!!!!!!!!!!!!!!!

2 years ago

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Benjamin Wiseman Las Vegas, NV

Cigna are WORSE than being uninsured. They cover NOTHING so when you give a provider your insurance information, you lose any possible discounts and usually end up paying TWICE AS MUCH as you would if you don't use your insurance. Their network only has providers with 0 availability. I've just given up on getting medical help since my employer shafted me with Cigna. They started off as a life insurance company, and as a health insurance company their business model is still profiting when their customers die.

2 years ago

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YD YS Los Altos, CA

Horrible Horrible Customer service. No matter what time I call, I remain waiting on the line for hours and no one respond. A recorded messages keep coming on that says "Your call is important to us; stay on the line and your call will be answered in te order received." No matter what time I call, I stay waiting for hours and they just do not answer... I finally hang up and I am unable to talk to any representative. This is the worst service I have ever experienced. This is why I decided to go ahead and share it with everybody.

2 years ago

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Patrice Lagnier Phoenix, AZ

15 days after requesting referrals, I am still waiting. I complaint but did not get any help. The nurse names Melissa W refuses to communicate. Today, 17 days after my request, I received a call from customer service,telling me that I was going to get my referrals. She also gave me lies to explain their tardiness in responding. Very poor management. I will no longer recommend Cigna. There is much better service with other insurances

2 years ago

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Joe Tuscola, TX

I just found out Cignas' customer service just lied to me about my prescription. I ordered it near the first of the month along with another prescription. I received the other prescription Monday, 12/6/21. I called & asked why & they couldn't tell me anything and suggested I call the shipping company, the shipping company told me the shipping label was just created yesterday & they picked it up today. Every time I refill this one prescription I have a hard time with Cigna, it's like they don't want to mess with it.

2 years ago Edited December 9, 2021

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David Smith MD

As a physician, I highly recommend that you avoid Cigna. They decline most services ordered by us, then make the us spend hundreds of dollars of our time fighting to get a patients study or drug approved. They understand that most doctors won’t go through the trouble, since it is so costly to us and doesn’t affect us personally. It’s a huge scam.

2 years ago

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Amal Faraj Fredericksburg, VA

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

2 years ago

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Yasamin Khorramzadeh San Francisco, CA

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

2 years ago

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Jon Lang Shingle Springs, CA

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

2 years ago

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Christina A San Antonio, TX

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

2 years ago

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Cignaisworst Bend, OR

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

3 years ago Edited September 14, 2021

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Kim Berlin Alexandria, VA

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

3 years ago

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James Knight Richmond, VA

Terrible business practices! My daughter has been sick for a year and they have denied her treatment over and over again. She has seen numerous specialist who all agree on her treatment path which would cure her. Instead the insurance company denies every claim while my daughter lives in misery everyday of her life. A quick google search will show that Cigna revenue for 2019 was $153.6 billion! How are they making so much money you may wonder. Well I can tell you they are getting rich off of the pain and suffering of others. I hope karma catches up with them in my lifetime.

3 years ago

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John Delmar, NY

Switch over to their COBRA coverage administered via Bswift....horrible! Phone systems with 50 minute holds routine, call backs that never come. Email systems that are send you confirmation system that go to other companies NOT there own. Then policy changes never occur. 60 days and no changes 8 phone call, 2 communications in person, no direct call back. ALL WITH THE THREAT OF COVERAGE CANCELLATION LOOMING WHILE THEY ARE NOT EFFECTIVE. NEVER EVER EVER RECOMMENDING AND ALWAYS WILL SHARE THIS OPINION.

3 years ago

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Timothy Ball Aiken, SC

Cigna is a predatory company. Some of their provider networks are so narrow they should be illegal. For example, there is a hospital 10 minutes from my house, but it is not in-network so now I have a $1,200 out-of-network bill because my infant child was choking. The closest in-network hospital is 30 minutes further. Also, their customer service representatives are not well trained and - either purposefully or inadvertently - communicate false information. This has led to avoidable out-of-network costs.

3 years ago

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D Churchill Dunedin, FL

Had some success with CIgna over the last several years. This year they 'quoted' me $675 during the open enrollment then the 'bill' shows up for Jan 1st at $849!! Thier respsones, "sorry" - now I am stuck becasue open enrollment is closed. The biggest pev is the promise that a manager would call me within 48 hours for dicuss this a call was never made!!

4 years ago

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Jacob Wiggins Phoenix, AZ

Was badly injured, visited a doctor who said I needed an MRI and Cigna refused to cover my MRI. Although it was a referral from an in network doctor who urged me to get a MRI, Cigna said that I couldn't prove that I was injured and that getting a note in writing from the doctor was insufficient. I find it disgusting that the CEO can make an income of nearly 50 million annually while paying customers get mistreated. Do not support Cigna and let the free market demand better service.

4 years ago

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Larry kaplan New York, NY

We switched from United Health care to Cigna this year. It was a big mistake from cigna medical to cigna dental the customer service is the worst in the industry and we found it out the hard way. It's unbelievable how we've gotten so many employee complaints about Cigna customer service. We're actually going to have to switch back to United healthcare which is going to cost our company more but have to deal with less irate emoyees. Companies and customers beware Cigna dental or health is a big mistake.

4 years ago

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Joan Hast

I had a hip replacement recently and used your insurance with my Medicare. So far I have not received a bill and have been pleased so far.

4 years ago

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Christy Wren Greenfield, TN

The associates at Cigna are polite and helpfu, but the insurance denied several of my claims during a hip replacement. One denial was an ice machine. Cigna would not pay because it is deemed experimental or not a proven treatment. Many other insurances paid for this item because they recognize that ice is an effective treatment for swelling. You may want to read other reviews if you have options in choosing your healthcare.

5 years ago

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Em Brunswick, OH

Cigna discontinued a medication that I have been taking for 2 years because they have eliminated coverage for this class of medication. I'm a moderately healthy person who goes to the doctor once a year for my annual check up, and I take two medications daily - one of which they just eliminated. I hope they are ashamed that they are playing roulette with people's health. I would sooner cancel this racket you claim to be insurance and pay out of my own pocket rather (and any penalties for doing so) than give you crooks one cent. What gives them the right to trump my doctor? Disgusting.

5 years ago

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Alicia Orlando, FL

horrible. I used to be a Cigna member through the company I was with and had no problems. I tried to help my S/O join as well. We had to fill out the information for them to call to give us a rate. So they call and tell us it’s 200 a month. Me and my s/o wanted to talk about it first and the guy on the other line was saying how we wasted his time and not to fill out forms if we are not looking to apply and was completely rude. Very unprofessional

5 years ago

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Jenny A. Tibbetts Tooele, UT

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!

5 years ago Edited September 14, 2021

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Susan Montross, VA

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.

5 years ago

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Jimmy Picha Houston, TX

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.

5 years ago

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Drew Rainbow, TX

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.

6 years ago

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Shirley Carolan Kirkland, WA

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!

6 years ago

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John Price

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.

6 years ago

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Param 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

6 years ago

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Michelle Williams 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.

8 years ago

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Carlianne Slocomb, AL

I love the coverage offered by Cigna. My parents have always used Cigna and it is now time for me to find m own provider. Cigna has many plans available for me!

2 years ago

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Bessie B Gilbert, AZ

We had this coverage over 20 years ago and they were horrible even back then. I would never choose them if I had another choice. The was a lot of preapprovals to be able to do anything. They choose the doctors you could see and there was not any consistancy in being able to see the same doctor. I felt the physicians they had very not top quality.

3 years ago

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Wendy Rowlette Morgan, UT

Using Cigna insurance has worked well for our family. We haven't had any issues with preapproval of procedures and the payments are made quickly and efficiently to our doctors and hospitals.

3 years ago

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Sarah Crowther Draper, UT

We have a Cigna PPO plan with a No Deductible policy. Generally we are satisfied but there have been exclusions and would recommend researching the fine print of your individual plan before making assumptions of coverage.

3 years ago

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Victor Kyler New Castle, DE

My company has been using Cigna for health insurance for about 4 years now. They have been sufficient but there are many procedures they don't cover at all like hearing care. Make sure you know what's covered before you buy a policy.

3 years ago

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Matthew J Collin Stephenville, TX

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.

3 years ago

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Brenda Mertes Houston, TX

Cigna charges way too much and ultimately my family has ended up paying for a majority of the tests and procedures that my son has needed. I guess they figure we love paying half a thousand dollars a month for absolutely nothing. I would love to see this company disappear completely. It's as if they figure we just loved taking diagnostic tests and we didn't need the actual help of the insurance company covering it.

4 years ago

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C B Hyrum, UT

I used Cigna for my health insurance for several years. I found their customer service to be one of the better ones in the insurance industry as I have had tried several over the years.

4 years ago

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Christina Kaysville, UT

Seems to be plenty of in network doctors to choose from and we have not had problems with finding doctors, but as with all insurances, the cost is absolutely ridiculous and unaffordable for most families. Customer service has always been very helpful

4 years ago

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Tamra Orem, UT

I have had quite a few different insurances over the last 10 years and Cigna has by far been my favorite. I feel like their coverage has been much better.

5 years ago

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Amanda Olsen Eagle Mountain, UT

Cigna is Awesome! Love the easy to website that directs you to providers in your area. Prompt and informative EOB's and helpful billing representatives that are patient and courteous.

5 years ago

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janalee sanders Valley Center, CA

we have had Cigna Health insurance for a couple years now. I was worried about switching providers but we haven't had one issue so far with Cigna. Any claims we have had have been paid in a timely manner and without problem.

5 years ago

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Shayla Hankins Lehi, UT

Cigna is an amazing insurance, they covered me for MRIs and xrays. I have not had any surgeries so I cannot speak for their coverage on them but on all small things they come through. My family trusts them and so do I.

5 years ago

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Rischelle Mikkelson American Fork, UT

I really like Cigna. Their customer service reps are easy to work with on claims, and have a low denial rate. I like that all the doctors me and my family see are part of their network.

5 years ago

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Lindsay Fritts San Diego, CA

I had cigna growing up and loved them. Was able to go to specialty doctors that I chose and loved. Had a low copay, if any, at most places. Didn't have to get referrals.

5 years ago

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Dylan Curtis Pleasant Grove, UT

We have this health insurance through my current employer. So far it's been pretty good. We've only had to use it for going in for annual women's exams and labs, but it's been good.

5 years ago