CIGNA
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!!!!!
Submitted by: CareBear
35 year-old   ::   Female Reviewer   ::   Oak Park, IL USA

 0 comments for this review

Your Name
(required)
Your City, State, etc.
(required)
Your Email Address
(Not published - required)
Your Comment