Cigna Health Insurance Reviews
3.63 / 5 based on 159 Reviews | Submit Your ReviewSatisfactionClaimsCostBillingService
Company Information900 Cottage Grove Road
Bloomfield, CT 06002
(215) 761-5613 (Fax)
Last Updated: 2020-03-21
Company Reviews (159)
False representation of Benefits, May, 2017
Needed an elective ultrasound for rule out of cancerous tumor. Called Cigna to ensure that my current insurance plan covers the procedure. Cigna representative provided information that if I completed my procedure at the diagnostic center on the list provided and emailed to my attention, the procedure is covered 100% regardless of my deductible and all I am responsible only for the office copayment. Then a month later after the procedure, I received a Cigna statement stating that the ultrasound procedure is not covered 100% because I have not met the plan deductible. This is false representation of benefits by Cigna. Please beware of this insurance company. We just recently switch to Cigna, and sadly to say that the poor reviews for this insurance company is true. Cigna falsely represent their benefits to their customers especially when there is a non-routine procedure to be completed. Do not recommend my experience with Cigna has been a great one.
Avoid this company like the plague!, November, 2019
Cigna is beyond the worst of the worst! They have categorically refused to cover my chemotherapy on the grounds of them deciding that it is "not being medically necessary." Five different doctors on my care team however, including two different oncologists obviously disagree. When you are a Stage III breast cancer patient like I am, that is obviously and clearly NOT the time to tell the patient and/or their doctors that chemotherapy isn't "medically necessary"!! Of course it is! Everyone knows that, but this insurance company is just trying to weasel their way out of covering the cost of my treatment, because it's not necessarily going to be cheap to undergo multiple rounds of chemo. In my opinion, this insurer Cigna really doesn't seem to care if their patients will suffer (or could even potentially die in my particular case with my diagnosis). Cigna has denied my chemotherapy treatment on 7 different occasions, despite clinical recommendations from my oncologist, OBGYN practitioner, and family medicine doctor. None of those doctors' medical opinions seem to matter to Cigna though, who is determined to just keep on denying this much needed care. So honestly, my best advice to whichever woman (or even a man) reading my review right now would be to just avoid dealing with Cigna altogether. They will be their quick as a flash to accept your insurance premium payments, yet will disappear just as quickly when it comes time to pay out on valid claims. Right now, I'm just so scared and hurt, that I don't know where else to turn to. Each day is a struggle, wondering whether Cigna's constant denials will have long-term effects on my health? For those reading this review though, please don't make the same mistake I did by choosing Cigna as a health insurer. This has been the worst insurance company which I've ever dealt with, and I'd hate for someone else to have to go through these same ordeals. Avoid Cigna altogether if you value your health and your sanity!!
25 years on a prescription denied!, December, 2018
my mother have been on Zoloft, the brand name for 25 years. Multiple times she has tried other medications, but she is either allergic or they don't work. Here i am 2 weeks before Christmas and and Cigna who she has had for 6 month refuses to fill her prescription.... asking her to take the generic that she is allergic to. Claiming she is not established on the medicine.... FOR 25 YEARS!!!!!!! This is a mood stabilizer and she is a teacher! What is wrong with this company ???
Not to mention being denied my appeal to cigna because they didn't explain the directions properly to the doctors office!!!
I would rather deal with the cable company, September, 2017
Terrible customer service, glacial claims processing, a willingness to find any reason to deny, impossible to communicate with. In 30+ years of work, I have never dealt with a worse insurance provider. Absolutely horrible.
Cigna is Garbage, June, 2018
Cigna is absolute garbage insurance. They deny and delay necessary procedures and treat their members poorly.
In short, I have a torn spinal disc on which I was supposed to have surgery about 2 months ago. Cigna denied my surgery, and my experience since then with Cigna in trying to resolve this has been utterly awful.
Cigna decided that my surgery was not medically necessary because I hadn’t seen a psychiatrist, which is absurd. 2 MRI’s and other diagnostic procedures clearly indicate a torn L5-S1 disc as the source of pain. The issue with my spine is quite obviously mechanical, and so the requirement to see a psychiatrist was a complete waste of my time and money, and kept me in pain needlessly. But I went ahead and saw the psychiatrist anyway, figuring it was the fastest way to get approval.
After Cigna lost the records my doctor sent over multiple times, I was finally able to get them to confirm they had what they needed. At this time, I was told they would reach a decision in 5 business days. After a week, I called to find my case was not even under review. Then, I was given a new promise of a decision within 72 hours. After that time elapsed, I was told that no decision had been made and they couldn’t even tell me why. After several more calls and more conflicting answers, I'm now being told that I’ll have to wait 30 days. No one at Cigna seems to have any clue what is going on with my case, and they just give me false or conflicting information.
Cigna "Customer Service" is a complete nightmare. They have given me false information over and over, and refuse to take any responsibility for it. I satisfied their requirements for this surgery over a month ago, and yet they continue to delay. They seem content to keep me in pain indefinitely, with an ever-changing story about when I'll get a resolution. Cigna simply does not care about their members at all, and they operate in bad faith using questionable denials and delays.
Worst insurance money can buy , January, 2018
My husband and I pay over $14,000 per year for our Cigna health insurance. I had a car accident 4 years ago. I have many health problems due to it. I had a triple disckectomy in my neck 3 years ago. I still have a collapsed disc in my neck and have 5 bulging/herniated discs in the lower lumber in my back. I've been suffering tremendously for the past 6 months with excruciating chronic pain in my neck and back. My Dr ordered an MRI in November, 2017. Cigna denied it. My Dr. Ordered an epidural injection in my neck in January, 2018. They denied it as well! I wouldn't recommend this rip off insurance company to anyone! I only gave a 1 star rating because there wasn't an option for a zero!
Terrible, unethical insurance company- Buyer bewar, January, 2019
I had coverage through my ex-husbands company for several years. During 2018, I had coverage from 1/1/18- 7/30/18. In October, I was notified by my doctor, who is an independent provider, that Cigna was demanding repayment of all the claims for 2018 as they said I was not covered. He was notified that it was going to collections (!!!). After countless hours on the phone by my Dr, myself, and the HR department at my ex's company, submission of paychecks showing payments thru July, documentation by Ex's company showing cancellation on 7/30/18, and verbal follow-up by a Provider rep at Cigna- I was assured by Cigna, and HR that the matter was resolved and the company acknowledged that I was, in fact, covered. Come to find out; Cigna once again has demanded repayment and has no record of ALL the dozens of emails and countless hours put in by Dr, HR, and myself.
BUYER BEWARE!!! unethical company, terrible customer service, and no tracking between agents and departments at Cigna of any communications at all. Fortunately, it is for a relatively small amount of $$, less than $10,000, and I am healthy enough to be able to go through this. HOWEVER, I can not imagine what would happen if someone with a life threatening or chronic situation with $100s of thousands on the line could possibly deal with this!
My advice is to run from this company as if your life depended on it, because if it ever does, there will be no accountability or ethics from Cigna at all!
The worst insurance , November, 2019
This is definitely the worst insurance I have ever had. I got close to my deductible and they held a claim until they could work the number and pay the least before finally showing that I was over the deductible. Their people will lie to you just to get you off the phone. Anybody that posts a good review must have money in the company. If this was not the only option through my work I would NEVER choose cigna. We've always has good insurance through work BUT this has got to be the WORST. They will weasel their way out of actually helping and they are great at creative figuring- IF IT IS IN THEIR FAVOR. They even denied one employees yearly checkup. Stay smart and stay away from this company,
Broke promises, September, 2016
Wish I could give them 0 stars. They have lied and stalled and wasted so much of my time. I was told I would be refunded through submitted a medical claim form. I was even told I would receive payment in 2 weeks! That was 6 months ago!
Great service , August, 2015
I really liked Cigna, the only reason I left is because they couldn't cover me anymore due to my move out of state. I guess they just didn't have anyone out here. They are kind of expensive but what insurance isn't anymore? It was pretty much the best price I could find. But not bad guest service.
cigna, October, 2013
I have been very happy with Cigna, They have good coverage and are easy to get a hold of when I have questions. good dental coverage as well.
Wish another option was available..., January, 2020
Insurance coverage provided through my wife's employer. Worst insurance company I've had to deal with (this review also includes their 3rd party "assessment" company Evicore). They have denied pre-authorization for a simple procedure that would mitigate or eliminate my excruciating pain for the past 7 weeks; each time claiming a "lack of information" despite having received information as follows:
1. All potential alternative methods for pain management have been exhausted (multiple medications, acupuncture, ear needling, physical therapy, etc.)
2. Multiple referrals for required, medically necessary treatment (general practitioner, ortho, and neurosurgeons) all of which have been denied
3. Clarification that procedure is required for DIAGNOSTIC purposes (pre-surgical) as well as pain treatment - still denied
As a result I have essentially been bed-ridden the last 7 weeks in constant pain and at significantly increased risk of becoming another casualty of the opioid epidemic, rather than receiving the treatment actually recommended by all of my clinicians. I am aghast that an insurance company can actually totally disrupt the proper course of treatment as determined by medical professionals, all in the interests of potentially saving a few dollars, although in reality I believe this ultimately will end up costing more by not getting the proper treatment in a timely fashion. I truly believe insurance companies should also be held accountable in cases of insurance-driven medical malpractice.
Worst health plan ever, September, 2019
Cigna is the worst health plan ever
I have a son who is autistic, and he has severe speech delay. Cigna denied our speech therapy claim and said we would need pre-authorization for speech therapy. My son’s speech therapist provided all the medical record and evaluation report and I provide the diagnose report and prescription for speech therapy, but they still deny the authorization – then then the customer service (True care)told me we can do a peer to peer review to get the authorization processed. However, when my provider calls to schedule a peer to peer review, the answer they get is no we can’t do it. I as a customer must step in to make sure people among different department in Cigna, they are talking to each other so that there is no disconnection. It’s truly a horrible process and I don’t understand why Cigna is making the process so difficult for a family who has an ASD kid. We had enough stress and difficulties in our daily life but Cigna, you make it even worse. I have a state regulated plan and Cigna still make the process so difficult.
Worst plan ever and no sympathy to special needs family at all. Stay away from Cigna
avoid this company, July, 2019
After 3 months using Cigna with policy 750, Cigna changed my policy to 5000 and put my husband as primary with no reason. This company replied to my questions that Marketplace has changed my information. I contacted Cigna and Marketplace a lot to follow up on this issue. Then, I did a three-way call and Cigna representative was informed that my policy was 750. However, he asked me to apply through Marketplace again to update their system (Cigna denied I had 750 for three months and took an easy way to fix the issue). Unfortunately, even if all my information was the same, I was eligible for 3400. I appealed the Marketplace's result and also complained Cigna. This company followed up and after three months they put me back on 750 policy. They asked me to cancel the appeal. a week after receiving my new ID card, I got another letter that I have 3400. I contacted Cigna again and they say that I had this policy and nothing is changed. They ignored my email after that and didn't reply. They put me in trouble and I have to may more because of their fault now they don't take responsibility. They asked me to cancel the appeal while the issue was not resolved. never ever will work with this company.
Honouring of claims, July, 2018
I’ve had an absolutely atrocious experience with Cigna. Please do not get insured with them if you want to make sure they honour their commitments.
I was meant to go for knee surgery after an accident. Cigna accepted the claim, but we were still negotiating on where the surgery would take place. Then my coverage with them ended and now they refuse to honour the claim although the law is pretty clear that they have to honour the claim once it has been lodged with them. My organisation and the insurance broker have lodged a complained with the insurance regulator in the UK. I didn’t have any issues with them when I only claimed for small medical treatments, but my first and only experience with them on a major issue was absolutely degrading and that’s the type of insurance I really care about.
Wish I could give zero, April, 2018
I have had significantly uneven breasts since puberty. It is to the point that it gives me horrible back pain and headaches when I wear a real bra (which is difficult to do seeing there is a 2+ cup size difference). Saw a plastic surgeon to speak about augmentation who said he was confident at least some of the cost would be covered, as this was usually the case for his other patients in my same situation. Took over a month to hear back after multiple calls to the insurance company who told us I was denied coverage because they do not cover “breast reduction for large breasts”, when that is not my case. It is a medical deformity that I’ve lived with my whole life and nobody can explain why. All I want is to feel normal in my own skin and Cigna has done nothing to assist in that. I’m confident that any other decent heath insurance would have covered at least some of the costs of this (necessary) surgery.
employer based coverage, September, 2017
employer based coverage. Switched jobs. need new insurance
high premiums, November, 2016
Cigna was our provider for 22 years. Premiums went up outrageously the past two years.
My cobra ends Dec 31, 20016, October, 2016
I am 64 and searching for individual health insurance that is affordable as I am currently unemployed.
Very helpful customer service, November, 2015
They had no problem spending time with you on the phone.teir rates were competitive for Medicare supplement needs.
bad office experiance, September, 2015
referrals are given to patients we go to thhe doctor only to find out later that the doctor or facility they send you to is not coverd and we end up with a very big bill no one knows anything ,front office staff is not very friendy,,when your sick they refuse to see you and always want you to go to urgent care that cost alot.
cigna is employer picked plan, November, 2013
CIGNA is an employer selected plan for group health care plan benefit for its employees.
This was the cheapest option for group coverage offered by my company and that is why I went with Connecticut General Health Insurance.
Good Company, October, 2013
I like the effectiveness and customer service. It is the only insurance my company offered and it has served my family well... but now that we have an option to receive cheaper more cost efficient insurance for our family we are looking into our options.
My Health, October, 2013
I loved this insurance it was the only one I had. I got it through work. But now with the presidents insurance plan I am loosing the one I like. It only cost me $100-$125 a month and was taken out of my check. Now his plan is going to cost me over $300 a month. Now I have to look for the affordable health care he promised.
Company provided coverage, it's the best coverage they have had yet and wish they could pay a little extra to make it easier on me with my regular bills
great, June, 2015
good phone service and coverage is decent
Coverage was through my significant other's employer. Great service and coverage, but employer is no loner offering coverage with Cigna.
Not sure just what you want. Is it Cigna?
Great Plan if not self-employed, October, 2012
CIGNA is an awesome health insurance company with great customer service but is far too expensive for an individual
good and affordable
Dollars before disease; profits before people., March, 2020
Words can't express my disappointment with Cigna! My employer has our health benefits through them. Recently, Cigna initially said it will cover COVID-19/Corona Virus testing for all of us as employees, no questions asked. So, after experiencing immense difficulty breathing and persistent cough/fever that wouldn’t go away, I finally attempted to take Cigna up that offer. Then, they basically went back on their promise!! Cigna decided that: "I'm not covered since this test does not meet our definition of medical necessity, as outlined in your specific plan.” (Luckily, it turns out I didn’t actually have the virus.) But now I’m stuck with tons of medical bills, due to Cigna's unethical and sleazy business practices! My employer’s HR unit has been going around and around with Cigna, but not getting anywhere either. My HR rep. even tells me they're probably going to drop Cigna in the near future once their contract is up. Not only because of my own insurance denial fiasco with them, but countless other problems too affecting other members. Good for my employer to do this, to protect our health! After all, would anyone including a family with children really want to entrust a health insurer with their own health that basically stares a global pandemic in the face, only to do the morally and socially irresponsible thing afterwards by refusing to do their own part in order to prevent disease contagion? (No, I didn’t think so...) Cigna is a very dishonest insurance company which can't ever be trusted!! Do not ever do business with them. Period. End of analysis. To Cigna, it is obviously the almighty dollar that wins out every time, when compared to the health (and potential survival) of another human being’s life!! To say that I'm beyond disappointed in all the dishonesty, deception, and underhanded denial tactics Cigna uses, simply to sell out their values for a stack of greenbacks, would certainly be an understatement!!!
prescriptions are cheaper without this insurance, February, 2020
When I filled my first script on Cigna, which is through my work, I was charged the co-pay $25 for 30 days. I had paid far less with our previous insurance, and I knew about insurers overcharging for prescriptions, so I did some research. Goodrx.com had the same script, 90 days of generic Lipitor for $17. I had paid $75 for 3 months with Cigna insurance. Another script, amlodipine, was FREE from Publix, a grocery store, and Cigna wanted $75. The majority of my scripts, generics, cost less without Cigna. So what's the point of paying for this insurance when they either don't pay or dispute every claim. It is a nightmare. Avoid if possible.
Cigna is the WORST EVER, December, 2019
This is the absolute worst health insurance company ever. I am suffering as I write this review and Cigna has refused the authorize the CT scans that my internist has ordered. I am experiencing abdominal pain, severe fatigue and unrelenting cold sweats. My condition deteriorates daily and I am at a standstill because of Cigna. Thus is a HORRIBLE health insurance company. AVOID IF YOU WANT TO LIVE.
Cigna is a Scam! The service is horrible! , December, 2019
My claim manager was horrible and no one could help me ! If you need time away from work due to medical issues you won’t get paid ! They are a scam and fake advertise ! They do not care about the customers at all!
provided through work, July, 2017
i want to purchase insurance for my grankids
This insurance was provided by my employer
good, November, 2016
Insurance offered through husbands work. No complaints, but now looking at alternatives for myself alone. Customer service has always been great. Good solid company.
I am presently covered under my father's insurance. I will be turning 26 years old and will no longer be covered
Coverage terminating 11/30/2016, November, 2016
After I was laid off in early 2015 the package they gave me had insurance coverage up t0 11/302016
was the company plan, September, 2016
Good coverage company plan
On Cobra for 18 months after let go at my job of 23plus years due to disability. Have had Cigna for all the time I have been employed They do not cover NH otherwise I would like to stay with them.
Company provided through mother
would love to keep this company, June, 2016
retiring, need coverage I can afford, not sure but I may be keeping CIGNA
Good hdhp plan at a reasonable cost, June, 2016
I am really pleased with Cigna and would an individual plan that is similar. The provider network coverage is great.
Good, June, 2016
Over all was a good deal with a very easy application. Customer service was very friendly and I look forward to working with them again.
good, June, 2016
good insurance co. I like it
good, May, 2016
On Cobra , expensive but good
Cigna Health, April, 2016
I was insured with Cigna via my company. In January I was laid off and the cost for Cigna is extremely high.
annual mammograms, February, 2016
will not cover annual mammograms we have paid for al mammograms cost for 3 years..They will not help on the phone and never can understand english
coverage was good, most doctor offices accepted the plan.
Most of the time they are good to work with., November, 2015
For the most part we have been happy with Cigna. One instance, a not helpful rep, left us fighting to have a large bill covered. Other than that they have been ok!
Great insurance company, October, 2015
Cigna is an amazing insurance company. They cover almost everything. Their customer service department is the best and never any long wait time.
on cobra and its done july 2015, July, 2015
I was part of lay off and cigna was offerd as cobra
My mother's insurance--it was fine., June, 2015
I was on Cigna through my mother for a few years while i was in school. It covered most of what i needed done. But I'm 26 this year so I'm off it and I need my own in case I get sick.
accepted widely, June, 2015
Cigna is accepted widely. Limits are reasonable but copays are high.
Ok with CIGNA, June, 2015
Currently on COBRA
Lost Job - paying COBRA prices, May, 2015
I have CIGNA COBRA - very expensive and lost job so looking for insurance
Was on my parents insurance which ends on 01/31/2015
Cigna was the insurance company that the company I work for was contracted with, as we are a self insured company, they also had something to do with GreatWestern.
cigna, November, 2014
this is the insurance they give you
cigna is good insurance company, November, 2014
Cigna is offered by my employeer
over thel ast 10 plus years I ahve been very satisfied. Overall I would recommend Cigna!
Excellent Coverage, November, 2014
I thought that Cigna provided excellent coverage, but they are becoming to expensive for me.
Got insurance with my employer.very satisfied and looking for more affordable health insurance.
Thet were OK, August, 2014
Lost the coverage due to my spouse retired.
They were OK. Difficulties to get approvals
for necessary tests. Their customer service
and Nursing advise services are great.
Cigna offered by my former employer. Never had issues with claims, bills were paid timely and group rate was very reasonable
I have recently retired from my job which used Cigna insurance for our group. I am not yet eligible for Medicare as I am only 63 and need coverage until that time.
very good insurance, February, 2014
it is very good health insursurance,I being with this company for 20 years,but I recently lost another insurance that have with my job,because I became part time worker,so that is why I like to have another insurance.Thank you ELSA HERNANDEZ
excellent, November, 2013
Thanks a lot for the qoutes
Lost Employer Coverage
no review my husband devorice me, October, 2013
when i was on the insurance it was good i am going to not have because my exhusband will be taking me off of his insurance. thank you for your help.
COBRA, October, 2013
I have CIGNA thru former employer via COBRA. Effective 6/1 and claims so far have gone well and for most part been paid. Cost is too high!
looking for cheaper insurance
not enough insurance per obama care, October, 2013
this insurance has worked for me for the past 3 years...now oboma says it's not enough
Loosing coverage at end of month, October, 2013
I am in desperate need of insurance.
I have a permanent colostomy due to Colo-Rectal cancer. I need Insurance to cover my colostomy
supplies. I currently am covered by Cobra this is
was through Cigna.
Review, September, 2013
Not covering as much as I would like
none, May, 2013