CignaReviews of cigna.com

Long detailed review; what you need to know about Cigna. I've had Cigna health insurance through one of the state exchanges for many years. Here are the Pros and Cons of Cigna: Pros: 1. Cigna still offers some EPO networks (rather than annoying HMOs) which have many primary care and specialist doctors (but you do have to stay in network). I have been in their "CONNECT" network, which unfortunately has been shrinking providers lately (down about 20%), including all Kroger pharmacies dropping out (possibly since the provider reimbursements aren't great). So be sure to check that your providers are in their network on the Cigna website before switching. 2. For ROUTINE claims (doctors appts., imaging, prescriptions) Cigna pays promptly and sends you an explanation of benefits (EOB) by e-mail or mailed paper. (But terrible for services that require preauthorization - see below). For my "silver" plan through a state exchange, co-pays are very low ($10) for primary care and specialist visits. No formal referrals are required to see a specialist for coverage (but most specialists require a referral anyway from a primary care doc). You can pay monthly by mailed check or on their website by e-check from your bank account (you supply bank routing and acct. numbers), or debit card. However, they told me that they are no longer going to allow credit card payments as of 2025. The website (mycigna) also has your EOBs and the provider list. HOWEVER, the several cons: 1. You can no longer communicate with Cigna via secure email on the website for any questions. You have to call, and the phone customer service is TERRIBLE, especially if you are connected to a representative in a foreign country, which most of them are. Only the pharmacy reps seem to be in the U.S. Most of the foreign reps are obviously in a "boiler room" with a lot of cross-talk you can hear, and don't speak English very well. Even those that do speak English well don't understand the Cigna benefits or their payment system. Even the so-called "supervisors" are now in a foreign country and don't know much more than the regular reps. These bad reps lied to me about not having doctor's records for a preauthorization (or were just incompetent) until I demanded to talk to a supervisor, who admitted the serious error. And the payment reps gave me contradictory information about credit card payments (while they were still being accepted.) 2. Cigna's automated payment system is so stupid that it will continue to charge your credit card or debit card on file with them (and give you a payment confirmation number) even after the card's expiration date - the charge obviously gets rejected 2-3 days later. If this happens, depending on your selected communication preferences on the mycigna site, they may NOT send you the important notice that your insurance is about to expire - this is very dangerous since you could wind up responsible for thousands of dollars in hospital bills after the one-month grace period. So you may have no idea that your credit card is rejected. If you do delete that payment method on myciga, the payment menu will automatically revert to charging any other old credit or debit card or bank account that you may have used several years before for a Cigna payment- EVEN OLD CARDS WHICH ARE OBVIOUSLY EXPIRED or old bank accounts that may have been closed. They don't tell you that they save all previous payment methods even if you designated them as "one-time payments." They never tell you that to update to a single payment method, you have to manually delete all previous one-time payment methods you used, or else they are still on your payment list! Obviously ridiculous. 3. For years Cigna never sent me several important notices by e-mail, only paper EOBs. BEWARE: if you ask for paper notices to be mailed, you will not get important notices even if you have a mycigna logon & a registered email with them; they will only send those notices by e-mail. I found there were dozens of hidden messages to me on their payment website (which is a different site than mycigna). 4. Cigna's preauthorization system is a disaster, and could cost you a lot of money or even bankrupt you. I don't know if the system is different for any HMOs that they offer, but for PPO/EPO networks the doctor, pharmacy, or imaging center is required by Cigna to obtain preauthorizaiton for dozens of services, WHICH CIGNA DOES NOT NOTIFY THEM OR YOU IN ADVANCE! That is, your doctor can order a CT scan, you have it done, and then Cigna and the imaging center tells you that you owe $1000, because the doctor and imaging center did not get preauthorization. Even if they do get preauthorization, Cigna says they can "retroactively deny" the service after it is provided if they believe it wasn't necessary - just terrible.

Very poor customer service and they all lack manners

This company is all about getting the monthly fee and having different reasons for not paying out any claims. Their client service is lacking and poor, which seems to be a strategic trend to delay and ensure another payment is collected. I wish someone had warned me before signing with this company. It has cost my family dearly. Highly Highly Highly NOT recommended !!!!!!

Despite having a Guarantee of Payment from the company, we have been waiting over four months for them to pay a bill. Multiple emails have been sent—all met with the same response: “Please give us five business days…” No response follows, so we email again, only to receive the same “please give us five business days” reply. Calling doesn’t help either. Based on our most recent call, we now have to wait “20 business days.” That means over another month! We are now incurring late payment fees on top of the original bill, and I’m quite certain we will be personally responsible for these instead of the insurance company. What’s worse is that I provided both an itemized bill (cost estimate) and the final bill. On our call, we were told that they needed an itemized bill, as they couldn’t use a cost estimate. Again, I provided both because this is how the office does their paperwork. I asked the agent if they could "match up the documents (use both)" since I provided everything they needed. She said they would probably deny it, but she'd resubmit it anyway. So my question is: what's the point of submitting all the paperwork ahead of time to get the "Guarantee of Payment" from them if they're still not going to pay—on time or at all?! Ridiculous. I have never had this experience with any other insurance company before.

They canceled my insurance without sending any notification. Completely unacceptable. DO NOT TRUST THIS COMPANY!

I absolutely HATE this insurance company. Cigna owns accredo (specialty pharmacy) and mandates I use it for "specialty" pharmacy items that any local pharmacy (and online pharmacies) can and do fill. "Express scripts" is the pharmacy, Accredo is a division, a "specialty pharmacy". I work on the phone and am a nurse. This company REPEATEDLY called to "verify" information, read their lengthy scripts that ask the same questions over and over again, so I could obtain my RX. I repeatedly told them I work on the phone and can't take their calls. They REFUSED to allow me to take care of this online, text or email instead. I spent 4 HOURS going round and round with this company over ONE prescription. I just had to spend another 20 minutes on the phone for a refill of a medication I had been on recently. Their online system doesn't consistently show the prescriptions (especially new prescriptions) so they can be ordered online. They force short authorizations (3 months) and force my MD to repeatedly open appointments for me to repeat the same information. They continue to force me to call them for this one prescription, month after month after month. They force me to talk to a rep, a nurse AND a pharmacist over the same prescription, despite the fact I have been on it and am a nurse myself. I would NEVER choose this pharmacy in the future. I am lobbying heavily for my employer to offer a different insurance plan. Cigna is incompetent, is incessantly playing games demanding prior auths for prescriptions I have been on for a long time. They forced me to go through appeals etc and forced me to go MONTHS without vital meds as we played their authorization games.

Worse insurance company ever. They said my surgery fee would be covered when I checked with them. And right before my surgery they said it was not covered.

Skickade in en massa kvitton med allt som skulle vara med den 9 oktober. Har ännu inte hört eller sett några pengar på kontot. Om det inte händer något snart avslutar jag försäkringen.