CIGNA is the worst insurance ever. We do not have an in network dentist in our area so when I need a nightgard I called and ask what our benefits were for that service with our dentist.
Oh, we will pay 80% and yes I wrote the persons name down that verified this information. Well CIGNA will only paid 50% because the dentist that I asked about providing the service was out of network. Why didn't the person who verified this benefit and the dentist tell me that when I was verifying before the service was done? I think that CIGNA is a sloppily run business that is out to make a buck (or keep from paying) any way they can.
They are not customer friendly nor do they pay benefits on time. If you can avoid them as a benefits provider you should by all means. I am going to start asking my employer to please find another dental benefit provider for our company.
It took five years of lobbing to get a health insurance provider other than CIGNA but the employee stuck together and complained loudly, so now we tackle the dental side of our benefits hopefully it won't take as long to get another provider.
Product or Service Mentioned: Cigna Dental Insurance.
Monetary Loss: $565.