CIGNA

Reviewers
Male / Female		 Recommend
Yes / No		 Number of Reviews Coverage Claims Customer Service Cost Total Average Rating
3 / 6 1 / 8 9 4.44 3.00 3.33 4.44 3.80

Date Submitted: June 11, 2010
Insurance Provider: CIGNA in Illinois
Coverage: 10 out of 10
Claims: 8 out of 10
Customer Service: 10 out of 10
Cost: 10 out of 10
Recommend: No
Review: Cigna is Deceptive
I have had Cigna for the past 10 yrs through my husband's employer. Where do I start: 1.) They do not have to follow any Illinois insurance laws. Why is that bad? Well Illinois has great insurance laws to protect disabilities and the rights of the consumer! They choose a state where there is virtually no laws at all. 2.) They never send you a policy certificate, they do not have one made available in your online portal(which is where it is supposed to be, so one can see what your true benefits are).
3.) Thier website is a mess, there is no details, where it highlights benefits they have one-line details. How am I supposed to know what's covered. I can never find information about provider's. I think they do this to avoid law suits.
4.) They make doctor's release you before you are well from the hospital, to save money. 5.) Their HMO is not a true HMO, since they have copay's and deductibles. You pay per occurrence. 5.) They are expensive. They are over priced for the market to employee's but employer's love them, because they pass almost all the price off to thier employee's< again they do not have to follow ILL law.

I would suggest you never purchase thier insurance! Never buy thier Ind. plans, they are not what is considered true health insurance. BUYER BEWARE!!!!!
Comments [ 0 ]
Submitted by: CareBear
35 year-old   ::   Female Reviewer   ::   Oak Park, IL USA

Date Submitted: June 9, 2010
Insurance Provider: CIGNA in New York
Coverage: 5 out of 10
Claims: 1 out of 10
Customer Service: 1 out of 10
Cost: 4 out of 10
Recommend: No
Review: Administrative Nightmare
We are members of an (expensive) family plan for healthcare coverage through the NYS Bar Association. Do NOT join this plan!! #1) Coverage is provided downstate by Cigna PPO through MVP (which uses USIA as its administrator). What a nightmare. While Cigna is taken by many doctors, no one has heard of MVP, so coverage everywhere is denied. This requires many hours of phone calls to get various doctor/hospital computer systems to finally recognize the insurance. At the moment, my husband has to have life-saving surgery at NYU Hospital--the doctor says he takes Cigna PPO, the MVP website says he is a participating doctor, and his first bill was denied. We found out this had been a previous problem, involving the NYU Hospital CFO, and it is STILL NOT FIXED!!! Now all parties are orally saying he is covered. Needless to say, we did not need this aggravation. Are we going to have to sue??
#2) Our daughter graduated from college last year, and is working at a job that does not provide healthcare coverage. We called up MVP, after Obamacare was past, to find out about adding her to our family plan. Two different people told us to submit papers, and she wouild be added as of June 1, 2010. We submitted the papers, and got back a bulletin from MVP/Cigna saying it was willing to add her, but that the employer elected not to. After many MORE phone calls, including to the NYS Bar Assn. Health Committee, we found out that MVP/Cigna wanted to place a 2% surcharge on all covered members, so the Bar Assn. decided not to do it. Now our daughter is not to be covered: 1) until Obama signs the bill, and 2) until our enrollment period roles around, so not until June 1, 2011 (for one-half year)!!
So, the insurance bulletin was misleading, to the point of fraud, and MVP/Cigna is the WORST!!!
Comments [ 0 ]
Submitted by: Pat
63 year-old   ::   Female Reviewer   ::   NYC

Date Submitted: February 1, 2010
Insurance Provider: CIGNA in Virginia
Coverage: 7 out of 10
Claims: 2 out of 10
Customer Service: 1 out of 10
Cost: 5 out of 10
Recommend: No
Review: Never ask questions, never go out of network
As long as you obey the two rules above, most things work fine. If you have a question, make sure you call, get an answer, then hang up and call and ask again. It 100% guaranteed to get you a different answer. So, you'd better call a third time.

Never go out of network or it will take you years to get paid (literally about 2 years to resolve my claim). I went out of network because there was a FIRE at my doctor's office (yes, a fire), and I had to fight for a year to get the claim processed because the doctor wasn't my PCP.
Comments [ 0 ]
Submitted by: Granny Smith
50 year-old   ::   Female Reviewer   ::   Virginia

Date Submitted: October 2, 2009
Insurance Provider: CIGNA in California
Coverage: 1 out of 10
Claims: 1 out of 10
Customer Service: 1 out of 10
Cost: 1 out of 10
Recommend: No
Review: CIGNA cancels disability with no reasons given
My sister-in-law is permanently disabled and after many years if disability CIGNA suddenly canceled her disability benefits with no reasons given. After the cancellation, she has appealed and underwent numerous recent tests by many specialists that confirmed her disability but CIGNA still has denied her appeal without providing any reasons. Now she has to take them to court. What is the point of paying for disability coverage if they don't give it to you when you actually need it? Worst company ever. They ought to be shut down.
Comments [ 0 ]
Submitted by: Phil Lee
43 year-old   ::   Male Reviewer   ::   San Francisco, CA

Date Submitted: August 12, 2009
Insurance Provider: CIGNA in Colorado
Coverage: 5 out of 10
Claims: 2 out of 10
Customer Service: 4 out of 10
Cost: 6 out of 10
Recommend: No
Review: I have to Justify many of my Doctors Requests!
I have NALC which is a division of CIGNA, 1 out of every 3 prescriptions has to be justified by my doctor before NALC will cover them. And when my doctor wants to try different dosages my prescriptions are rejected unless I use Caremark, a mail order company, I do not have time to send in a prescription and wait 10 days to get it filled. I'm currently spending 3-4 hours every 2 weeks on the phone, Faxing letters, and running to my doctors to pick up letters of justification. NALC fights 1/3 of my doctors plans, causes significant delays in my medication. If you have a choice you should NOT choose NALC (CIGNA?) for your insurance!
Comments [ 0 ]
Submitted by: Mikey
51 year-old   ::   Male Reviewer   ::   Arvada, Co. USA

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