Cigna

Hip Surgery - denied three times until my surgeon said you can sue them by forcing me to have unnecessary treatments; we threaten them and now I had my operation. Now it's fighting over claims and payments. Terrible terrible Terrible service.

I can't give stars!! But I'm forced to give 1 star @ this point, to get my review posted!! This insurance company has out-of-country insurance reps, that are rude and clueless about insurance. 2-step authentication on website is ridiculous on a private computer. They make it very hard for doctor's staff to navigate website, and when calling have someone from another country be as rude as they can be, not be able to help. I wouldn't recommend Cigna Insurance to anyone. Not worth the trouble, They will offer sun, moon & stars to start but after you sign on the dotted line, BEWARE

It’s the worst company for insurance after two years and I didn’t recover yet and COVID-19 time they close my case and send me to Doctor from their side to say I can work but how I can live if I can work 4 hours daily how I can pay my bills It’s not fair and I went to lower he said he can return my benefit but he needs time 6 months or more they know that, how I can live without income.

One of the worst insurances you can ever deal with-- apart from Aetna. They will not pay the doctor, so you will be stuck with the bill. As a doctor they will abruptly terminate you, so your patients will be stranded As a patient your doctor will no longer be in network so you will be stranded too. This is their way of cost-cutting.

If I could give cigna 0 stars, I would. This is by far the worst health insurance company I have ever had the displeasure of being tied to. I have a shoulder injury sustained a few months ago. The specialist I saw recommended physical therapy 3x a week for 1 month, Cigna only approved Cigna approved only 5 sessions (even though I have with my plan 45 covered). They required a review of progress. They use outside companies to review requests and decide if it is medically acceptable or not. A DR I never met thought I didn't need therapy. I went back to my DR and he again said another month of Therapy and ordered an MRI. Cigna again only approved a handful of sessions bringing the total sessions for about 5 weeks worth. They denied my MRI Request twice. When I finally got paperwork in the mail as to why the MRI was denied, it was because I didn't complete 6 weeks of "Alternate care" first. Alternate care means - PHYSICAL THERAPY, shots, medication, Mind you, they received the 2nd request for therapy AND my MRI request at the same time. So they denied my covered therapy right before the 6-week mark so that they could have a reason to deny the MRI. How insane is that?? they play the system to avoid having to pay for anything. This back and forth with Cigna has been going on for months which has set my actual recovery from an injury back so far that I have to start from square 1 and I am still with no MRI, no therapy. Just pain and discomfort and a lot of stress and HOURS wasted on the phone trying to fight this. They want to take your money for their services, but they don't want to honor any of the services clearly laid out in your plan as COVERED services. I am FORCED to use cigna because of my employer. WORST INSURANCE COMPANY EVER. If you have a choice, NEVER sign up with them. Ever.

Wish you could them less stars. Terrible company. Have been trying to get information regarding my long-term disability. Rosie doesn't return phone calls or she is on vacation. Stress and anxiety overload. Took 6 months to finally get approved for Short term disability. Now it has been since January to see if I was approved for LTD. No help whatsoever.