CignaReviews of cigna.com

I have paid for COBRA for 4 months now. Someone made an egregious error on setting up my account. Cannot get it fixed cannot get my medication nor medical services. The system says I have no insurance. Only one person at Cigna has attempted to help. Her name is Kayla from customer service. Still awaiting resolution. What a nightmare.....

I would never use this insurance company again in my life. They deny everything, for one reason or another, and have actually made my life worse. Since they were my primary ins and my other ins was secondary, Cigna denied every single claim submitted and my secondary ins denied everything too because my primary ins didn’t pay it. I cancelled after 4 months. They’re making money hand and foot because they don’t pay any claims. Ridiculous!!

I am consistently disappointed with Cigna. I have been a member for 8 months. 1. I can't find a PCP. Their list of PCP's is outdated. I called through 20 of their listed doctors and they all were not taking new patients even when I filtered to find Dr's taking new patients. 2. I can't get support internationally. They outsource to MDLive and MDlive will not support you if you are not physically in the state your insurance is based in. Its crazy. 3. When you call in to their 1st level of Customer Support it is based in the Philipines and these guys are not smart or helpful. I always ask to get transferred to US help. But sometimes they can't even transfer it right. Updated as of 8/21 You see they responded to email them. I did and the response I got back was to call their help center! The email response provided no help or support. Only putting me back into their circle of madness.

Dear Mental Health Patient, Is your mental health care covered? Great! Is it in-network? Awesome! Pay the out-of-network cost anyways. Don't ask questions. We don't care. Sincerely, Cigna These people only pay for their mistakes when you involve the employer the insurance is through. Thanks, medical school, for keeping Cigna accountable. Cigna, you are what is wrong with healthcare. Kindly stop existing. I'd ask you to stop stealing patients' money, but we both know you won't stop that. Rejecting claims faster than the doctors can make 'em... disgusting.

If you would like a health insurance company that increases its charges well in excess of inflation each year for a low level of cover and terrible customer service Cigna is for you. If you like waiting for six months to get reimbursed and enjoy wasting hours chasing Cigna by phone and email, look no further. Are dishonest and incompetent customer service representatives something you value? If so apply today and join the 91% of very dissatisfied customers who gave Cigna the lowest score on TrustPilot. I sent a formal complaint to Cigna in May. Their complains procedure commits them to resolving complaints within 2 to 4 weeks (they shared 2 different procedures] but I am still waiting. This is totally unacceptable.

Cigna has denied us coverage time and time again, including for our autistic daughter. We have spent hours and hours and hours of our life on the phone with them, fighting denied claims, sometimes to only receive back a fraction of the reimbursement that we are due. Even pre-approved claims are being denied and it's is having heavy financial tolls on our family. Several of our practitioners have dropped us because Cigna won't pay. Cigna is currently operating in immoral ways that are focused on their bottom line and not the people that they are supposed to be helping. They are being discriminatory, including towards families with disabled children.

EDIT: I received no reply when messaging the email address from their reply below. I am writing this review because I feel I have no where left to go to voice my displeasure dealing with Cigna. Earlier this year I suffered from a severe injury that medically required me to undergo surgery with a total recovery time of one year. When I first got my MRI results and diagnosis, I submitted my expense claims for the appointments and nervously called Cigna to verify that the surgery would be covered where I was told with confidence - "Yes sir, I can assure you that your surgery will be 100% covered by your plan". This call along with the reasonable processing times of my previous expense claims gave me confidence that I would not have to come up with $10,000 in a time when I needed it most. Unfortunately for me, this is where all positive interactions with Cigna end. In the middle of May 2023, I underwent a successful surgery and I was on the road to recovery. Once I received my bill for just under $10,000. I promptly paid it with my own credit card because I was unable to get a Guarantee of Payment or directly bill Cigna since it is a foreign insurance company in the country I'm in. That same day, I submitted the expense claim thinking that I'd get my money back in 5-10 business days as they told me. Well here I am two full months and over 10 phone calls to Cigna later, where I still have not received a dollar of the $10,000 that I was assured I'd be getting in 5-10 business days. I waited a few days after the 10th business day before calling customer service to ask about the timeline of my claim. This is where the pattern of complete lies from Cigna customer service begins. After looking up my claim the customer service rep apologized that it was taking longer than expected and told me it will 100% be processed in 2 days and he will give me a call back then. I never received a call and the claim was of course never processed. I of course called them back the next day to ask about the claim where they did the same thing they did last time and told me two more days. I didn't just accept this solution since I was already lied to once so they "created an escalation case" to ensure this will be looked at with priority and said they will call me back in 2 days with an update. I was never called back and the claim was not processed. It is now past mid June many days after their initially promised 5-10 business days. I frustratedly call again to ask about the claim and "escalation case". I was asked for the case reference number, which I was never given. The rep said there was no record of one being added and they didn't even see a record of me calling in. I insisted that I did and gave them the exact date and time of the phone call where he then found the record but it was for some reason under my spouses' name who had no part in this entire claim.... After finding that record, they told me there is no record of the escalation case but they did leave a note on the account, which apparently does nothing. This rep apologized and actually created an "escalation case". The reason I put these in quotes is because I'm still not sure that they are real. They seem to be a way to trick customers into being satisfied with nothing actually getting done. The customer service reps have no idea what is actually going on with the claim and they go through their script to get the customer off the phone. I called back a few times with the reference number where I was told that the claim requires an additional review since one of the amounts on the claim is above a certain threshold on my plan. But they can't tell me which one. I then asked if I could in anyway talk to the people who are saying this because I could provide any records they might need. Of course, I cannot. I made one last call at the end of June where one of the customer service reps let it slip that the last time this claim was actually reviewed was on June 12th. Awesome. Flashforward to last week where I called again and I was told me claim was reviewed and denied because they "need my medical records". I asked for specifics but they could not give them to me. This enraged me because: 1.) Cigna already has all of my medical records because I submitted expense claims with diagnoses, results, and doctors notes from the very beginning of this process. 2.) No one called me in the last two months to tell me they needed anything after I've called to complain over 10 times. They just denied it. I uploaded all the records the same day and then called and was given the same lies. A new claim has been created and I was told it will be another 10 business days but I fully expect the same process to take place. I do not trust anything that Cigna tells me at this point and dealing with them as been by far the worst part of this entire process. If it is your own choice, I'd go anywhere else for insurance.

Rejects claims without reason. Then ignores emails and then even after calling them and being promised a call back nothing. Very poor customer service!