CIGNA

Reviewers
Male / Female		 Recommend
Yes / No		 Number of Reviews Coverage Claims Customer Service Cost Total Average Rating
10 / 8 1 / 17 18 3.05 2.27 2.16 3.22 2.68

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 [ 2 ]
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

Date Submitted: April 16, 2009
Insurance Provider: CIGNA in California
Coverage: 9 out of 10
Claims: 10 out of 10
Customer Service: 10 out of 10
Cost: 6 out of 10
Recommend: Yes
Review: Very Responsive
My wife and I have had CIGNA for over a year and have had excellent service. Claims have been paid promptly and the representatives over the phone have not only answered our questions, but made sure we were aware of additional resources that could help us.
Comments [ 2 ]
Submitted by: M.R.
54 year-old   ::   Male Reviewer   ::   Ontario, California

Date Submitted: October 4, 2008
Insurance Provider: CIGNA in Ohio
Coverage: 1 out of 10
Claims: 1 out of 10
Customer Service: 1 out of 10
Cost: 1 out of 10
Recommend: No
Review: Worst I have Ever Had...and I have Had A Lot
My company changes insurance companies a lot and this is the worst ever. I have only had them a year and I have had to fight them tooth and nail for every single claim.

I have severe allergies and unlike every other company that pays for injections, Cigna says that even though I don't see a doctor but just go in and get an injection from a nurse, they still charge me an office visit which means they pay a whole $3 towards the $ 18 allergy injections.

The latest and worse fiasco is a foot surgery that I have/had scheduled for Oct 10th, 2008. My joints in two of my toes are totally destroyed by degenerative arthritis . It is very painful and the fix is to obviously go in and clean out the mess and replace the joints. At the last minute Cigna denied the surgery saying it is experimental. Right !! Having joints in your feet is experimental,,What a new concepet. My surgeon has gone before the peer review and agin it was denied and it is now being appealed. This now means the surgery will be cancelled and I don't know if I will ever get it. Whats worse is to think I am paying 100 dollars every week for what ?

My advice to you... ABC ..anything but Cigna.



Comments [ 0 ]
Submitted by: S Stacy
56 year-old   ::   Female Reviewer   ::   Springfield, Ohio

Date Submitted: May 28, 2008
Insurance Provider: CIGNA in Virginia
Coverage: 1 out of 10
Claims: 1 out of 10
Customer Service: 1 out of 10
Cost: 5 out of 10
Recommend: No
Review: dumber then dirt!
You call they give you confirmation number wait 15 days don't hear, you call back and get the samething over and over. Try to talk to a supervisor you can't get the sameone twice, don't call back either. Do not how to work with COB claims at all. They drop your PCP from their computer & then deny your claims for no PCP, even thought you have a card from them with it on it! Always, requesting additional information to pay claims! This is the WORST of the WORST medical insurance company I have encountered it right up there with HIP!
Comments [ 0 ]
Submitted by: fit to be tied
59 year-old   ::   Female Reviewer   ::   virginia

Date Submitted: December 20, 2007
Insurance Provider: CIGNA in New Hampshire
Coverage: 1 out of 10
Claims: 1 out of 10
Customer Service: 1 out of 10
Cost: 2 out of 10
Recommend: No
Review: Worst Company Ever
I'm a former employee of Cigna HealthCare and I wanted to write a review to inform everyone of how horrendous this company actually is. First of all I want to start with Customer service. The employees that take your calls only receive one week of training, ONE WEEK! They are forced to answer the calls as quickly as possible. They are told to say whatever they have to to get you off the phone and take the next call. When they inform you that they will "get back to" its crap. You will never receive a call back. They are not even given the time to research the problem to get an answer for you. Our billing department has about a 30 day backup-meaning you send in your payment and it doesn't post for another 25 days since you mailed it, then you're in danger of being termed for non-pay, chances are it is our fault. When you are told that we have a "5 business day turn-around" thats also a crock. When you fax, or send in something, it will be lost. If there is a piece of information missing from the form you send in, someone will shred it so they don't have to follow up with you. Most of the employees will do whatever they can to get out of doing work. It's truly the most repulsive company out there and I feel really sorry for any of you who carry them as your provider.
Comments [ 1 ]
Submitted by: CignaEmp
32 year-old   ::   Female Reviewer   ::   Alton, NH