In 16 years, anything that is done that is not a routine visit to the doctor, is initially denied by cigna. I then have to call and sit on hold for usually 10-15 minutes before speaking to a person.
After explaining the problem they usually say that there was an error and they will take care of it right away. Either they are counting on people just paying the bill and not calling them on it, or they are completely incompetent. Their Dental coverage seems worse than medical. At least I have an option of another provider for dental.
Unfortunately, I'm stuck with Cigna for medical.
From what I hear, most health insurance companies are not much better.
Product or Service Mentioned: Cigna Dental Insurance.