R L.
I have had Cigna insurance for the past 7 years.
I have had Cigna insurance for the past 7 years without a claim other than routine dental exams. I recently had an issue that necessitated the services of an endodontist. I called to make sure the Dr I went to visit was in-network which they were and I asked how much coverage I had remaining of my $1500 max benefit. They said that I had over $1200 remaining that would cover my endodontist visit. The very first thing any endodontist does is a cone beam x-ray (cat scan) of the diseased area in your mouth. Guess what - not covered by Cigna. In fact, of the $909 billed by the endodontist, only $79.40 was covered (I saved $32 by staying in network with a Dr that has contracted rates with Cigna). The contracted rate for the cone beam x-ray was $877 but for some reason, even though they have a contracted rate, they don't cover it. What a joke. Contracted rates for something that they don't cover? Sounds boarder-line fraudulent to me. I have paid close to $1000 a year for the last 7 years without a major claim. When I finally need to use the insurance, very little is actually covered. What's the point of buying insurance if it doesn't cover anything. I would give them ZERO stars if possible. DO NOT BUY INSURANCE FROM CIGNA. Worthless. I will be self-insuring the $1000 per year I am currently paying Cigna for worthless insurance. The government needs to regulate dental insurance more vigorously. They take your money without paying claims. It's shameful.
Response from CignaDec 6, 2022
Hello. I would like to look into the dental claim for you as well as your plan benefits. Please email me at [email protected]. -CM



