Cigna

Terrible long call wait

Cigna has been one of the most difficult insurance companies I've ever dealt with. I had a hip replacement last year, and they are refusing to cover my follow-up appointment — something that is clearly part of standard post-surgical care. On top of that, I had a bilateral mastectomy, and Cigna does not want to cover the MRIs that are recommended every three years for monitoring.

I pay for insurance so I can receive medically necessary care, not so I can fight constant denials for routine follow-up after major surgeries. The amount of stress, time, and energy I've had to spend appealing decisions is unacceptable.

Patients recovering from major surgeries should not have to battle their insurance company just to get basic care. My experience with Cigna has been extremely negative, and I would strongly caution others to look closely at how they handle claims before choosing them.

I've had experience with all the major insurance companies over my career, but hands-down, Cigna is the worst. Everything your doctor asks for is an automatic no forcing you to spend more time/effort dealing with them. Customer service is useless. It's the epitome of what's wrong with insurance.

This company is so full of it. I got supplemental health, and every time I have to make a claim, they tell me, "We need you to get this, we need you to get that," so I've been going back and forth with them for four months to make my claim. So eventually, they paid me, but I'm still battling the same injury. I recently submitted the physician's claim form for all my doctor's visits that I had attended. Every time I go to submit the form and they are supposed to pay me, they deny it, telling me they are only going to pay for one visit when I submitted eight doctor's visits, and my claim was denied. Yet, they could take my money for four to five years with no claim. My name is Thomas Baker; you can even check my supplemental claim.

Horrible customer service. I was bounced from one representative to another and yet another. All I was trying to do was enroll my son in my dental plan. Two of the representatives were overseas, and one was very hard to understand because of his accent. How hard is it to put the enrollment form online for me to fill out and send in?

I have had no coverage issues in my second year as a customer. My problem is a defective non-working $34 OTC item. The OTC service is sending, for the third time, a non-medical item from inventory, likely another replacement with a Dec 2022 manufacturing date. The representative states the only option is replacement. Cigna is losing postage costs, I'm losing benefit dollars. Cigna needs to give its OTC service flexibility to resolve malfunctioning equipment issues in a logical manner. [email protected] Texas 09/29/2025

My company switched to Cigna this year. I tore my rotator cuff and am supposed to have surgery to repair this tear. The weekend before the surgery, the company denies covering me for this surgery. I have a physical job that requires my arm to actually function, and I barely sleep due to the pain in my arm. Without this surgery, my arm is not going to get any better. In fact, over time it will likely get worse. If this company does not alter the decision to cover the insurance and more damage results, I will sue the company for damages for every penny I can possibly sue them for. They are obviously a poor company considering most reviews say they deny coverage constantly.

CIGNA's customer service is terrible—25 minutes in a phone loop with no resolution. Emergency pre-authorizations are impractical due to poor call handling. I plan to switch from CIGNA to Blue Cross or Humana through my employer. I recommend choosing insurers with better customer service, even if they are costlier.

1 Star
Horrible Experience After 30+ Years with Cigna
I've been a loyal Cigna policyholder since 1993, but after this recent experience, I’ve lost all confidence in the company.
In May, I received a notice that my premium would increase by over 50% starting in August. I immediately contacted Cigna on May 26, 27, and 28, making a total of six calls to try to change my policy. Each time, after lengthy verification, the representative would tell me they weren’t licensed to assist Hawaii residents and that someone else would call me within 24–48 hours. No one ever called.
The following week, I made three more calls but got nowhere. The questions during verification became ridiculous—asking if I lived in a house or condo or if my number was a landline or mobile. One representative even hung up on me when I asked for a supervisor. When I finally spoke with a supervisor, she transferred me to the dental department and promised a callback the next day—Friday, June 6th.
I did receive a call from Kimberly Bane, who said she was with Cigna and would resolve everything. After four hours on the phone, nothing was resolved. She said she’d take care of it by Monday. She didn’t call on Monday, Tuesday, or Wednesday. Nothing was fixed.
My wife and I had no choice but to cancel our plan and request a refund. We were told it would be processed in 10 days. It has now been 18 days, and we still have not received a refund.
She decided to go with Hawaii Dental Service, and within five minutes she was covered.
This company is disorganized, unprofessional, and not equipped to serve Hawaii residents. After decades of being with Cigna, this was an infuriating and disappointing experience. I wouldn't recommend them to anyone. Save money, get quality care, and go with Hawaii Dental Service.

They charged me $1635 for my dental work. They said my dentist was out of network, but she appeared in my search as in-network. The cost should have been less than a hundred dollars because they provided price estimates.

When you have money in your Health Reimbursement Account (HRA), they won't cover any dental work you get done. They did however cover other medical issues I've had. I don't know if they cover dermatology I'll get back to you on that

I lost my job and decided to continue my not-so-great Cigna insurance through COBRA, as I had no other option. I made my first payment on April 29th, 2025 and as of May 28th, 2025 I still have no coverage.

The company that handles the payments (Basic) confirmed that they sent notice when the first payment was made. I called Cigna numerous times, only to be transferred to many departments, none of which had any idea about my situation. Customer service does not listen and seems to lack competence.

Basic sent the payment notification again today, and I suspect Cigna will claim they did not receive it. Save yourself the headache and stay far away from this company.

I have been with Cigna through an employer for probably close to 15 years. They used to be an awesome health insurer. Over the last 2-3 years, however, their customer service has really suffered. You get people who have no knowledge of health insurance and simply state boilerplate language that never answers your question. You typically go to customer service when your issue isn't directly addressed in the boilerplate language. In addition, I have communicated with them for almost a year on an issue I felt I was not treated fairly. They charged me two deductibles on one piece of equipment simply because Cigna and the supplier chose to bill in monthly payments. That wasn't my choice. But I got the equipment in November, so a deductible was applied for that year and then again the next year. I did appeal; however, they quoted boilerplate language about yearly deductibles and denied my appeal. No one is even trying to understand my situation. I come from the corporate world, helped place employee coverage for years, so I'm not uneducated about insurance processes. I feel I was treated very unfairly.

The only reason I gave Cigna one star was because I could not rate them any lower. My benefits period begins in September and ends in August of the next year. Naturally, my deductible begins in September. However, Cigna reset my deductible in January. In effect, I am being charged a second deductible in one benefit period. At this point, I would rather not have any insurance than what I have now. If you have Cigna, find another insurance carrier.

I called to get an update and was yelled at. They told me to find the number myself. So, when I actually did find the number and I called Cigna, because of the pain I am in—I had an appointment today, Friday the 17th of 2025—I was told it's been pushed back a week. I'm doubled over in pain; I have no disc between my vertebrae, and Cigna will not assist me for another two weeks. You need to get it together, Cigna.

Cigna, you better look at your comments because apparently, your insurance company is inadequate, and you just need to reassess your business practices because you do nothing beneficial. Besides that, you do not support or provide efficient care. You do not give access to competent doctors, and the people you have answering the phones are disrespecting and berating customers. Cigna, consider restructuring your company for better performance because your service is currently unsatisfactory.