I work for UBS Investment Bank which funds it's own health insurance and uses CIGNA as agent. My wife fell and broke her leg.
Called 911 to take her to hospital. CIGNA sends a letter saying I didn't get medical authorization for the ambulance and quesitons the medical necessity. How crazy is this?
CIGNA seems to routinely deny coverage and hopes you don't question it.
I often wonder if this is at the direction of UBS since the plan is self funded or if this is a normal practive for CIGNA. It's ashame you have to fight for what you are entitled to.
Product or Service Mentioned: Cigna Health Insurance.