CignaReviews of cigna.com

Denegaron un servicio de rehabilitación porque tardó más de un mes en comenzar el tratamiento. Iba a comenzar el PRIMER DÍA que le dieron cita. Si tardan más de un mes en dar cita y luego no lo autorizan porque hace más de un mes que se pidió, negocio seguro, nunca se podrá autorizar. La persona de rehabilitación me indicó que no le había pasado con ninguna otra compañía. Una vergüenza.

Dealing with this company feels less like working with an insurance provider and more like navigating a maze designed to wear you down. Straightforward claims somehow become “lost,” shuffled endlessly, or returned with vague denials that make no sense. In my experience, a large portion of submissions were paid, but an equally significant share fell into a black hole of bureaucracy. Repeated promises of resolution from representatives led nowhere, leaving me chasing the same paperwork for months. The process seems engineered to exhaust rather than support customers. Instead of protecting policyholders, the system functions as a barrier to care.

DO NOT GET CIGNA IF YOU PLAN ON HAVING KIDS! I am absolutely furious with Cigna’s so-called “maternity coverage.” They claim to cover maternity care, but the moment you suffer a miscarriage, you’re completely abandoned and stuck paying thousands of dollars out of pocket. If you’re planning to get pregnant, do NOT trust this insurance. No one knows what will happen with pregnancy, and if the worst happens — a miscarriage — Cigna turns their back on you. They deny surgeries, ultrasounds, lab work, and even anesthesiology related to miscarriage care. It’s heartless, cruel, and completely unacceptable. I’ve had TWO miscarriages and each time, they rejected nearly every claim, calling it “infertility-related” just to avoid paying. Their customer service reps give you conflicting answers, leaving you stressed, confused, and financially devastated during one of the hardest times of your life. This company is a scam. They make you feel powerless, overwhelmed, and abandoned when you need support the most. Save yourself the pain and financial nightmare go with an insurance company that actually stands behind their coverage.

Cigna actively endangers diabetics who aren’t on insulin by refusing to cover Continuous Glucose Monitors (CGMs) — despite them being the gold standard of care. If you’re managing diabetes with diet, exercise, or oral medication, they don’t care. No CGM coverage. No proactive support. Just finger sticks and a shrug. This isn’t cost-saving — it’s neglect. Modern diabetes care requires CGMs to catch trends, prevent dangerous drops and spikes, and avoid long-term damage. Cigna’s policy forces patients to risk their health daily just to appease some outdated checkbox on a spreadsheet. What’s worse? Their customer service gives you the runaround and acts like asking for a basic medical device is a wild demand. This isn’t innovation. It’s willful disregard. We deserve better. CGMs aren’t a privilege. They’re survival.

decietful, lying, shady buisness. Do not under any circumstance do buisness with them

My wife requested an international claim form for an emergency service she required in France while on vacation in May, 2025. She had to request a denial from Medicare which she received in 7 business days. Cigna advised at the same time that she would receive a claim packet by email within 15 business days as well as a packet in the mail. It has now been over two months and the packet has not been received. The customer service people have made multiple errors in sending the packet to the correct email and no snail mail ever arrived. Despite several calls there has been no resolution. Today she was bounced around various customer service departments for 2 1/2 hours and finally spoke to a supervisor who promised she would receive an email in 4 days!! I don't know who will read this review but someone at a high level within the organization needs to get with it. Our next action will be to the highest level within the company to make a complaint if we do not receive the packet as promised in 4 days. Unbelievable that this extremely poor level of customer service can exist. Cigna management should be ashamed. Look at the reviews you are getting.

Consistent denial of valid claims. There’s little point in having insurance when the provider works this hard to avoid paying. In my case, identical claims were submitted weekly for over a year—about 70% were approved, while the remaining 30% were repeatedly denied without justification. I spent six months making follow-up calls, during which Cigna agents acknowledged no issue and promised resubmission, yet nothing was ever processed. The claims just vanished. It’s a deliberate cycle of delay, misdirection, and inaction that ensures they avoid payment through sheer dysfunction. This isn’t insurance—it’s obstruction.

We were both covered by Cigna Dental PPO under my husband's employment and had COBRA coverage after he left the job until it expired in April of 2025. Our experience under the employer plan had been very good. We never paid for routine care (x-rays, cleanings and exams) and had good coverage for fillings and crowns. When his COBRA coverage was going to end and couldn't be transferred to a private policy, I went to the cigna.com site, read everything there and called the phone number listed on the site, which I (incorrectly) assumed was a Cigna number. I explored the various plan options with the agent I spoke with and signed up for a plan that I understood would be similar to what we had had before. NOT SO! After paying 3 months of premiums ($65.35 per month), we had our first visit with our dentist. BEFORE rendering any services, our dentist called Cigna to verify our coverage and was told that, since our dentist was out-of-network, Cigna would pay 95% of the charges. We felt that was reasonable and went ahead and had our cleanings, X-rays and exams. That was on June 24. On July 1 (today), I got the first "explanation of benefits" for my part of that visit. This coverage had been so misrepresented by the agent who sold it to me that in my opinion it constitutes fraud. Our dentist charged a total of $320 for each of us. Of that amount, Cigna listed $98 as the "amount eligible for coverage by your plan" and paid 95% of THAT amount, leaving us to pay a balance of $226.90 for each of us. I called Cigna and their response was that this was correct and gave me the name and phone number of the person who sold me the policy. It turns out that the person who sold me the policy was not a Cigna employee, but someone who sells Cigna insurance for Gallagher Alternative Health Solutions and is a dedicated agent for Cigna Dental coverage. To make things worse, when I contacted Cigna today, I was informed that I could not cancel this month's premium and could only cancel the policy effective July 31, so I just had to pay yet another month's premium for insurance that, in my opinion, is totally worthless. The person in Cigna's retention office offered to find me an in-network dentist and I refused because I would not trust any dentist who was so hungry for business that they would accept these pittances as compensation for their services. Before I bought the policy, I read the reviews on those specific (in-network) dentists and people reported having had bad experiences with them way too often for my comfort. The bottom line is that I feel I was misled by Cigna and their authorized agent, and I wish there were some recourse for me, so that I could at least have this claim honored with a zero co-pay on our part, as we were told when we bought the policy, but no-one I spoke to offered to do anything for us about this, so my advice is to stay away completely from ANY of Cigna's policies. They aren't worth the price, either in dollars or the bad feelings that come with being misled and taken advantage of.