Cigna
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1 Star Rating
Worst experience of my life!!
Do NOT - under ANY circumstances - get health insurance with Cigna! They will not help you!
We were with them all of 2020 without issues which must’ve mostly been because we didn’t need much beyond a few routine visits for the kids. In spring of 2021 we fell under a “system error” that caused us to be re-enrolled with a new number & account. This started an avalanche of issues that should’ve been easy to fix but their customer service is absolutely useless! We started to get more and more bills that were declined, until we figured out that we had a new insurance number, which no one ever told us, and for which I haven’t received any insurance cards to this day even though we’ve requested them at least 3 or 4 times and were assured “they’re on the way”.
While trying to correct our account number issue (which never happened), Cigna somehow decided to removed our children from the account all together, and when we tried to fix that they added them back in with the wrong date, leaving them with days that the system claimed they were “not covered” even we though we obviously had paid for them. To make things worse, my then 2yo was hospitalized during the timeframe that Cigna’s system claimed he wasn’t covered, which left us with a mountain of medical bills that Cigna refused to pay.
Once we eventually got the dates in the system fixed - which took months! - they are now refusing to pay for emergency services from that day because they were out of network, even though the network choice was out of our hands and should very clearly be covered under their emergency rules. I am now sitting on $20,000 in pediatric ER and ambulance fees that Cigna refuses to pay. I’m just glad the doctors decided against the life flight that day.
I have spent COUNTLESS hours on the phone with Cigna. Their customer reps are in India and mostly useless, as they don’t have any authority or actual tools to help you. Their managers are US based and promise you everything under the moon with very little results. I can’t count how many times they’ve promised to send something, or promised someone would call “within a week”, or that “it’s fixed in the system and should be going through within 10-30 business days ”. It is now August 2022 and I have called them every 2-4 weeks for the past YEAR to try to get this fixed, each time spending 1.4-4 hours on the phone!!
This has been the absolute worst nightmare experience and I would have to leave 1000 1-star reviews to even do this justice. DO NOT UNDER ANY CIRCUMSTANCES GET CIGNA! I’d rather go without insurance than ever get Cigna again!! Even if it is your cheapest option, save yourself the headache, because it may become the most expensive thing you’ll ever do.
Do NOT - under ANY circumstances - get health insurance with Cigna! They will not help you!
We were with them all of 2020 without issues which must’ve mostly been because we didn’t need much beyond a few routine visits for the kids. In spring of 2021 we fell under a “system error” that caused us to be re-enrolled with a new number & account. This started an avalanche of issues that should’ve been easy to fix but their customer service is absolutely useless! We started to get more and more bills that were declined, until we figured out that we had a new insurance number, which no one ever told us, and for which I haven’t received any insurance cards to this day even though we’ve requested them at least 3 or 4 times and were assured “they’re on the way”.
While trying to correct our account number issue (which never happened), Cigna somehow decided to removed our children from the account all together, and when we tried to fix that they added them back in with the wrong date, leaving them with days that the system claimed they were “not covered” even we though we obviously had paid for them. To make things worse, my then 2yo was hospitalized during the timeframe that Cigna’s system claimed he wasn’t covered, which left us with a mountain of medical bills that Cigna refused to pay.
Once we eventually got the dates in the system fixed - which took months! - they are now refusing to pay for emergency services from that day because they were out of network, even though the network choice was out of our hands and should very clearly be covered under their emergency rules. I am now sitting on $20,000 in pediatric ER and ambulance fees that Cigna refuses to pay. I’m just glad the doctors decided against the life flight that day.
I have spent COUNTLESS hours on the phone with Cigna. Their customer reps are in India and mostly useless, as they don’t have any authority or actual tools to help you. Their managers are US based and promise you everything under the moon with very little results. I can’t count how many times they’ve promised to send something, or promised someone would call “within a week”, or that “it’s fixed in the system and should be going through within 10-30 business days ”. It is now August 2022 and I have called them every 2-4 weeks for the past YEAR to try to get this fixed, each time spending 1.4-4 hours on the phone!!
This has been the absolute worst nightmare experience and I would have to leave 1000 1-star reviews to even do this justice. DO NOT UNDER ANY CIRCUMSTANCES GET CIGNA! I’d rather go without insurance than ever get Cigna again!! Even if it is your cheapest option, save yourself the headache, because it may become the most expensive thing you’ll ever do.
Product: Cigna Health Insurance
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