I was employed by Konica Minolta and my department was dissolved in January 2010. Konica paid for my insurance for 1 month and paid the supplemental cobra through ADP to Cigna.
I am over 65 but because I was employed by a large company I paid $700 a month in premiums for me and my spouse. In February 2010 I fell and broke my knee. Cigna was still in force as the primary provider. They paid part and then demanded their money back from health providers, saying that because I did not carry Part B they were not responsible in any way for paying my claims.
Medicare told me that as long as I was paying the insurance I would not need Part B
and after my layoff, I couldn't carry Part B and still keep Cobra.
In May I started Part B, cancelling my Cobra, which was too expensive to maintain with the Part B premiums added. My daughter, who is a nursing home administrator has informed me that Cigna has the worst reputation in the health care community for paying claims and told me of her multiple experiences concering Cigna claims.