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Cigna like Madoff

I had braces put in by an "in network ortho". He became so frustrated with them not returning his calls, he wrote letters. His staff called multiple times to resolve issues and only got through to one person. They received a callback during the evening. Do you know a doctor open until midnight? So the ortho is mad and drops out of Cigna network. I am denied in network benefit of $2000 and told that $1400 is it. I am maxed out kaput....history. A woman actually told be the doctor dropped out to charge a higher fee (his fee did not chnge, in fact he's a decent man and is splitting the difference with me). Another woman gave me a suggestion. Get another ortho to take my case. OK sure...this guy was in network and is working with my in network dentist and we are 3/4 done and say what? What a bunch of immoral, ignorant, rip off liars (an earlier employee had told me if he leaves the network I am still covered because he was in network when I started treatment. CIGNA IS SATAN
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1 comment
Anonymous
#360167

I am so sorry for the difficulties you are having. I would be happy to help you clear this all up, if you send me an email @ SCR_isolve@cigna.com.

Please include your ID number and your date of birth. Thanks.

Review
#268474 Review #268474 is a subjective opinion of poster.

Cigna disability denial

My wife had surgery which resulted in a great amount of pain that she continues to life with. She went to numerous doctors over a period of months before the diagnosis was found to be a trapped nerve. While having to live with excruciating, continuous pain & trying to find the root cause of the problem; we had to deal with a company (cigna) who makes your life more of a living *** than it already is. Continuously asking for documentation & picking the doctors' words & phrases that justify their right of denial while completely ignoring wording that would not. Delaying, denying & hoping that you'll become so aggravated & demoralized that you eventually give up. I honestly don't understand how these people can sleep at night knowing the misery they are causing people who depend on short term disability to live and then compounding it with enough paperwork from doctors that would keep a part time secretary busy - when they know they're just going to deny it anyway. I haven't wished ill on anyone in years but I hope there is truly karma for all the people in cigna (esp Rachael Z) who have caused my wife & I so much stress & worry through all this. You are one truly *** company.
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1 comment
Anonymous
#359074

I feel your pain and if you do a search you will find hundreds of complaints and court cases against Cigna.

I am going throug something similar to what your wife is experiencing. Cigna likes to do this to people and they don't care if people drag them to court.

It says no links, so just type cigna disability complaints or cigna complaints. It will keep you occupied for hours and give you a headache.

Review
#267955 Review #267955 is a subjective opinion of poster.
Service
Cigna Disability Insurance
Loss
$10000

Cigna Health Insurance won't pay ANYTHING!

Ever since my husband started receiving health insurance with Cigna through his work at Transfreight, Cigna refuses to pay for ANYTHING, including a regular doctor appointment and lab work to check my sugar, cholesterol, etc. as any doctor should for people of my age (61 at the time I went to the doctor). We are paying for that insurance on every paycheck as well as the company is paying them a fortune every year for their employees. We are being TAKEN! Their glad to take our money, but won't pay for a thing!!!!!!!!!!!! This needs to be reported!Please Help!
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3 comments
Anonymous
#454290

I totally agree with the OP - I'm in the same boat, the PCP couldn't care less, doesn't care how it's coded, and cigna refuses to help. Routine lab work should be paid by insurance!!!!!

John N
#352838

You probably should read your policy and it will tell you exactly what is covered, when and how much. You probably have a high deductible.

This is because of the type of coverage your employer is paying for. They cannot afford to provide employees with high cost health insurance and instead go for a high deductible, low coverage policy. Talk to the people who handle your employer's health care.

They know what the policy covers and what it doesn't. Also, when you talk to the insurer, they will tell you why they did not cover a certain expense or procedure.

Anonymous
#752325
@John N

You don't know what you're talking about regarding THIS insurance company.

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#265467 Review #265467 is a subjective opinion of poster.
Service
Cigna Health Insurance
After cancer surgery I contacted Cigna to get pre-approved for purchasing a specific L7900 Durable Medical device. I was told it was approved and I should find an in-network provider by calling a long list of names. After much effort and research I found an in-network...
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6 comments
Anonymous
#1159935

I have had the same problem with CIGNA. They told me my son speech therapy was a covered service.

I gave them CPT code is an ICD nine code so that was covered. They refused to pay. Now they are denying genetic testing that will change the course of treatment for my son. Is gastroenterologist denied A neurological problem.

How is this possible? Fraud!

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#263116 Review #263116 is a subjective opinion of poster.
Service
Cigna Health Insurance

Cigna life Insurance NZ

Cigna requested the original policy after death of mother ,which we never receive in the firts place she passed 9 july 2011 and still no payment. In the claim requirements no policy is mentioned as it all by phone. Cigna burial insurance sucks. We sent death certificate policy document with all details of policy and claim form varified by lawyer but no claim paid to date how good is that. If anyone out there is with Cigna make sure of what is required before u buy or even after u buy and make sure u get all details, as the web page sucks. Its all adds and no real facts.
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2 comments
Anonymous
#1243567

I agree 100 %, they are very dodgy to do business with.

No real answers from them, no call backs.

Avoid them as far as possible. They pray on people's mistakes.

Anonymous
#390246

Gotta ageree about CIGNA and their FINE PRINT. 1 day late on a payment and guess what, policy is done.

Even if you've been paying for years and have never been late. Good customert loyalty. Oh, you can reinstate it after a medical exam, interesting huh!

They are just sitting back waiting for people to do the smallest error. DO NOT BUY CIGNA if you want ANY customer service!!!

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Review
#254640 Review #254640 is a subjective opinion of poster.
Service
Cigna Claim

Cigna review in Nashville, Tennessee: Life or Dealth deny coverage

My husband went into the hospital for mental health. The doctors at vanderbilt admitted him because of his condition and well being. This is a life and dealth situation. Cigna call the doctor and told him that if he is not trying to harm his self right at the moment that they are speaking that they was not going to cover him to release him right now. The problem is that the only reason he is not harming his self is because they have 24 hr. watch on him and his tring to get him stable and out of harms way. but cigna does not care. I told servaral people that work with cigna that my husband is very ill and needed to be there. They told me that they can not discuss him because he is grown. I told her I am the primary card holder and I did need you to discuss my husband problem but that we need to discuss why youll are refusing to cover him. then after that she began asking me about my husband pasted and why did i think he should be there. NOw this is the question how do you expect me to discuss his personal business with them when they are not willing to cover him or to give information on him. so i told them that i will call email write to every person company government that would listen to how an insurance company that takes about $800.00 a month from my check but refuse service that they provide and I pay for. To top it off every month that take our money and send out these false letters of concern on how they can help with different situations but now that we are in a crisis they are refusing help. this is my first step. I will right call very one. I told them that if he gets out and harm him self that I will be in the media!
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Review
#253736 Review #253736 is a subjective opinion of poster.
Service
Cigna Health Insurance

Cigna is a joke!

After applying for Cigna individual health insurance the underwriters rejected my application after a total of 3 days! Reason: I have too many medical problems. Really? I've got typical high blood pressure & cholesterol which are being treated. But I was told my a phone agent beforehand that the three pills I'm prescribed for these conditions are too much!! Unbelievable! I can't imagine what grief others with more serious conditions and are on more medication must go through. I hope those underwriters feel our pain someday for the *** they do to peoples' lives. Oh, they did send me the rejected application letter stating that people like me do have other choices such as HIPAA. What a worse joke. When I called the agent told me that I'd pay at least 3 times more than what I'm paying now for my federal COBRA plan!!!! Can anyone say 'extortion'?? And interestingly to this date I'm receiving emails from Cigna telling me that my application is still on hold, that I still have time to complete it! I've no idea what they are talking about. They are crazy, and frankly perhaps it's good they rejected me. I won't even consider them at all anymore!
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1 comment
Anonymous
#795309

cigna from marketplace is not the same as regular cigna. you cannot use quality pharmacies like Walgreens and their provider list is not the same as you are offered when you buy cigna elsewhere.

I made the mistake of purchasing cigna from the marketplace and have had nothing but frustration. My employer provided cigna so I thought I was buying quality ins. What a mistake.

I am stuck with this joke of a policy for a year and I hope I can prevent someone else from making the same mistake.They are providing second rate insurance you would be better off with a no name ins co that may provide better service. I am surprized that they arent charged w fraud

Review
#246648 Review #246648 is a subjective opinion of poster.
Service
Cigna Health Insurance

Cigna

I required a special surgery for dupytrens disease, a disease that causes your fingers to contract. The only surgeon that did needle aponeurotomy was an out of network doctor. I called Cigna many times and each and every time I was ping-ponged around. My out of network doctor said he got approval for the surgery and yet after it I got a bill for 30 thou. It was only after writing a 13 page repeal that I was relieved of the bill. These Washington guys that think private enterprise in the medical system is the way to go are crazy.
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Review
#245318 Review #245318 is a subjective opinion of poster.
My husband has Cigna Health insurance from his employer and we have had nothing but misery from them. Claims are not paid. Huge deductibles ($4,000 for our family)and we are not able to see our family physician of 12 years. To see our family Dr. we have a $6,000...
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2 comments
Anonymous
#591034

this is the worst insurance i've ever had. it pays for nothing and is hella expensive.

better to just get cheap insurance that covers catastrophic illness and self pay for doctor visits and medication. this insurance is the biggest rip-off.

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#242230 Review #242230 is a subjective opinion of poster.
Service
Cigna Prescription Refill

Cigna--took our $, didn't pay vendor, wont' refund us

My husband's employer began using Cigna as a health insurance provider in 2011. We also have an HSA for the first time this year. In mid-February I had 2 claims, one on 2-15, the other on 2-17. Our deductible had not yet been met so both of the claims were sent to our HSA account for automatic payment. At total of $1,566.07 was deducted from our HSA account for pay ent to the providers. In early March I was told by one provider that they hadn't received payment and were trying to work with Cigna in order to verify an EFT payment. In late April I received a bill from the other provider showing no payment had been received by them either. I called Cigna on 4-27 and was told by Consuela that they were working with the first provider (I'll call them Provider A) to track down the payment. Provider A, I was told, was being connected with a Cigna online business site that would allow the provider to track down all necessary information themselves. Re the payment to provider B, I was told that an EFT payment had been made and was transferred to Chase (who runs the HSA) for further information. Chase informed me that everything Consuela had just told me was incorrect and that once Cigna debits my HSA account Chase can no longer see what happened to the funds. So I called Cigna back and talked to Yolanda. She supposedly put in a request to get information as to how payment was made to Vendor B. She said that she hoped to get a response that day, or the next day at the latest, and would call me the following day with news. Yolanda did not call me back so on the afternoon of 4-28 I called Cigna and this time spoke with Ray Lynn. She could see Yolanda's inquiry but said it looked as if it went to the wrong department. She said that she would put in a new request for tracking and would call me back on Sunday or Monday. She did not call me back. I called Cigna again on 5-1 and spoke with Elia who sent me to Mandy who, before I could stop her, sent me to Chase where I was told the same thing I was told before--Chase can't help me once Cigna debits my account. SO, I called back to Cigna again and spoke with Julie. She said that she could not see a payment being made in her system and that 'we are waiting to hear from that department'. I was supremely frustrated at this point and asked for a supervisor. I was given to a supervisor named Jeff Ellison. He said that he would find out if funds were paid to vendor B. If not, the funds that were taken from my account would be credited. If a payment was made he would get me the check clearing info. I thought...finally, I'm getting somewhere...but I was wrong. When I spoke with Jeff Ellison again on 5-4 he said that he could not find any record of payment having been made to Vendor B. He said that he would update the service request so that the money would be credited back to my HSA. He said that he would have verification within 24-48 hours and would call me back by that Friday, May 6th. Jeff didn't call me on Friday the 6th or Monday the 9th. I left him a voice mail on the 10th and on the 11th. Late in the afternoon of the 11th I got a call from Julie (apparently calling instead of Jeff). She told me that the payment matter was still under investigation. Cigna did take the money from my HSA and did not pay the provider, but that Cigna couldn't figure out where the money went. 'When the mystery is solved we will credit your account'. At this point I was fuming. I explained that I didn't care what Cigna had done with the money or that they needed to figure out the glitch in their system. They admitted to having withdrawn money from my account and having not paid the vendor. There is no reason for further delay, I said, pay me back! She was so sorry, she said, but they were 'working' on it and she couldn't give me a date by which I would be credited. On 5-16 I touched base with Vendor A to see if their payment issue had been solved. Big surprise, it had not. they had gotten online with Cigna's Business Services site but all the information that they could see was 'payment was made on X date'. No payment details or an audit to show which account the payment went into. As the provider said, "Cigna has been less than helpful." I tried to reach Jeff Ellison again and could not--only voice mail. So I called the main number and asked to speak to another supervisor. I was transferred to Gracie Lewis. She listened to my story with a mixture of horror and disbelief. She kept saying, "that just doesn't sound right that we would have taken money out of your account, not paid the vendor and drug our feet in returning your money." She apologized for Cigna's behavior and said that she would do some research, get things straightened out and call me the next morning. 5-17: Gracie didn't call me this morning. I called her and she returned my call. She said that she is working with the client service partner (my husband's employer?) and her financial services department. It is confirmed that no check went out to Vendor B...yet, she cannot tell me when I will have my money back. I explained to her that, in my eyes, Cigna's actions translate to theft and said that if any banking institution took $1566.09 from my checking account and refused to return it I would have solid grounds for legal action--same here--and I'm considering it. She said that she was working really hard to get this resolved...blah, blah, blah. I explained that I had gotten that same story from every person I have talked to over the previous 3 weeks and that as 'hard as everyone is working on it' nothing is being done. She said that she 'escalated' the matter to a higher level. I asked if she was the first person to 'escalate' the situation and she said yes. If this is true, it's a clear sign of how terrible Cigna's customer service is. This should have been elevated to a high priority situation on 4-27 and should have been resolved within a couple of days. Instead, the issue was passed around and ignored. I'm not hopeful that dealing with Gracie will be any different. I told her that I read Cigna's Ethics Policy online and got a huge laugh about their dedication to 'fair treatment of customers' HA! I have never been treated so poorly by any company in my life. Frankly, never imagined that treatment like this was possible. NOTE: I asked what was happening with the payment to Vendor A. She said the investigation is currently on hold until the matter with Vendor B is solved...assuming Vendor B issue is solved they will use the same template to solve problem with Vendor A. Again...ridiculous...as if everything at Cigna were being done by hand with pen and paper in a back room. If they can't work on issues simultaneously they are operating in the dark ages. IMO, they are simply not in a hurry to refund my money because...they don't have to be. And that's what makes me the most angry. We are financially well off, but I know that this kind of gross incompetence could wreck some families with big medical bills and shaky credit. Absolutely, totally and completely disgusted with Cigna. The consequences of this clustered mess is that we have medical bills that are due...and in some instances past due...that we will either need to pay for out of pocket (and therefore lose the advantage of paying with pre-tax dollars with funds from our HSA) or risk having damage done to our credit...all because Cigna has taken our money and refused to return it. If anyone out there in HR is considering using Cigna, I can say loudly and clearly RUN THE OTHER WAY if you value your employers and their time and sanity.
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2 comments
Anonymous
#296134

Update: I took my cue from one of the other ops who emailed the Cigna BOD to get resolution. I couldn't find an email for any Board members but did find and email address for the company's general auditor.

I emailed my complaint, in brief, and suggested that someone in the position of general auditor would understand the serious nature of debiting our tax deferred HSA account under the pretense of paying a claim, admittedly not paying the claim for 3 months, co-mingling our assets with the general assets of the company and refusing to expedite the return of our funds for more than a month after I made them aware of their mistake. Lo and behold, I got a call from the auditor the next morning. A point person at headquarters was assigned to the situation and our money was returned within a week. It was too bad that I had to go the extreme measure of contacting the general auditor to be heard, but am very glad that I did and that the matter was resolved.

I've discussed the matter with many friends who tell me that they are much too busy to have spent the 15 hours I spent gathering data, making phone calls and contacting Cigna advisors. They feel that if this would have happened to them, they would have likely been out the $1300+.

And they all know definitively that their aging parents would have never been able to navigate thru the Cigna system. I now know why when calling Cigna I never hear the message, "This call may be recorded for quality assurance."

Anonymous
#287341

I read your blog and apologize for the bad customer service. I have contacted the managers you were working with and have asked them to continue working your case and to get a resolution asap. If you have any additional questions please email us at SCR_isolve@cigna.com.

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#238156 Review #238156 is a subjective opinion of poster.
Service
Cigna Health Insurance