Though its origins go back to 1792, Cigna was officially founded in 1982 when two companies merged. Since then, the insurance provider has grown worldwide, serving millions of customers in multiple countries.

Consumers considering health insurance companies need to understand the offered health benefit plans, what each policy covers and what it costs.

Is Cigna good?

Customer Review: AGenes from Eagle Mountain, Utah

"Had insurance through them! I have no complaints. Their coverage was great and decently priced. Love them!"

Cigna has many health benefit plans to choose from. Cigna global health plans are available to independent buyers and businesses whose employees travel or work internationally. Typical health plans offer coverage domestically, so you'll need to get an international health plan if you want coverage abroad.

Positive Cigna reviews on Best Company talk about satisfaction with coverage, claims processing, and doctor networks.

Reviewers that gave Cigna a poor rating had difficulty resolving issues, getting pre-authorization, and getting claims paid. These are common concerns across the industry. Both positive and negative customer experiences are helpful to understand when enrolling in a health plan.

Read Cigna Reviews

In the United States, Cigna offers a wide selection of health insurance plans and several unique qualities. Cigna offers Medicare plans and HSA-compatible plans. It also provides dental and vision insurance plans.

Cigna also has good member resources for patients. If Cigna health insurance is available in your area and you find a quality, affordable plan, it is a good choice.

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The Good

Positive Customer Reviews
Types of Plans Offered
Dental and Vision Coverage
Group Plans
Supplemental Insurance
Member Resources and Perks
Helpful Tools
Customer Service

Positive Customer Reviews

Best Company has received a good number of positive Cigna health insurance reviews. Reviewers most commonly mention customer service. Claims and coverage are also mentioned in some positive reviews.

Customer Review: Matthew J. Collin from Stephenville, Texas

"I love everything about this company they have made dealing with medical so easy. There has not been a single time I have had a bad time dealing with them."

Types of Plans Offered

First of all, it's important to note that Cigna is a worldwide company, with customers in 30 countries around the world. No matter what kind of coverage or insurance plan a consumer is looking for, Cigna will probably have a good option available.

Cigna offers a wide selection of insurance policies, including:

Medicare (Medicare Advantage plans and Part D)
Medigap (Medicare supplement insurance)
Health Savings Account (HSA) Compatible Plans (typically high deductible plans)
Health Reimbursement Account (HRA) Compatible Plans
Health Maintenance Organization Network Plans (HMO)
Preferred Provider Organization Network Plans (PPO)
International Health Plans

When you enroll in Medicare, you can purchase a Medicare Advantage plan or enroll in Original Medicare (Part A and Part B). Medicare Advantage plans cover the same medical care services that Original Medicare does but are managed by a private insurance carrier instead of the federal government.

If you enroll in Original Medicare, you can purchase a Medigap plan to control your out-of-pocket expenses and a prescription drug plan to cover your medications. Cigna Medicare options can vary by area, so work with the company to learn more.

Cigna health care insurance options also include indemnity plans and international plans. The one type of health plan that Cigna is unclear about providing is short-term insurance (except for short-term disability insurance).

Like other multi-state insurance companies, the availability of specific plans varies by state.

Covered services tend to be pretty similar across traditional plans, like a Cigna PPO and a Cigna HMO. However coverage levels, networks, and cost-sharing rules differ. For example, a PPO network offers more options for choosing doctors. It offers coverage and discounted rates for in- and out-of-network providers.

Additionally, some plans require prior authorization for some health care services before the insurance kicks in to help cover the health care costs. The insurance premiums also vary based on the number of people on the plan and demographic information, like age.

Most of Cigna's individual and family plans include access to telehealth providers so members can quickly get medical advice or be seen by a doctor remotely in non-emergency situations. Many plans include this as a complimentary service, though some do not.

If you're looking for an international health plan, you can purchase one from Cigna. These plans typically cover mental health, cancer treatment, and more. You can also customize these plans to meet your needs.

Dental and Vision Coverage

Cigna also offers individual and family dental and vision coverage as well. There are three types of dental plans to choose from, each of which covers a certain percentage of preventive services, restorative, and major dental work. A Cigna dental care plan is available to individuals and families. However, the terms and costs vary depending on the number of people insured.

Cigna Dental Preventive — This plan has no annual maximum and no deductible! As long as your dental work is completed by an in-network dentist, Cigna is responsible only for the costs of preventative work.
Cigna Dental 1000 — With this plan, your deductible is either $50 for an individual or $150 for a family. After that, Cigna pays a maximum of $1,000 every year for restorative dental expenses!
Cigna Dental 1500 — Deductibles with this plan are the same as the Dental 1000. The difference is that after that deductible, Cigna covers a maximum of $1,500 per year for restorative work. This plan also includes coverage for orthodontia.

While it is difficult to tell whether or not Cigna offers vision insurance that individuals can purchase independently, Cigna does offer plans that employers can offer employees. For more information, you'll need to work with Cigna directly.

Group Plans

Cigna insurance is also available to employers who provide health insurance and other benefits to their employees.

Cigna has a wide range of health plan offerings available to groups with different network structures. This variety makes it easier to find a health plan that works best for your group.

If you need to purchase international health coverage for members of your organization, Cigna also offers a good selection of plans. Its offerings are primarily for groups based in the United States and Canada. You can also find international health plans designed to cover short-term needs, which are ideal for business trips.

Cigna stands out for its international health insurance offerings because it offers plans designed for intergovernmental organizations (IGOs), nongovernmental organizations (NGOs), government employees, overseas students, and healthcare travelers.

Supplemental Insurance

Cigna also offers insurance policies for specific conditions, including heart attack, stroke, and cancer. You can also purchase whole life insurance through Cigna.

Member Resources and Perks

Right away, it's easy to see how Cigna allows you to find an in-network provider, look up coverage, and perform all other basic tasks you need to as a member.

The Cigna website is fairly easy to navigate. Before becoming a member, you can tour the patient portal that Cigna has created for all members. This gets you acquainted with the website and allows you to see what resources you would have as a member.

You can also view the health benefits, coverage, and costs (copayment, deductible, coinsurance, out-of-pocket expenses, etc.) for plans and get a quote of monthly premiums for the plan you're interested in buying. And if you're interested in international insurance, you can get a quote for that too.

If you decide to register with Cigna, your resources expand even more. You're able to, of course, log into your patient portal and view your personal account information. Just as important, you can check a claim's status, acquire an ID card, find the form you need to download, look up your benefits, and find a doctor that works within Cigna's network (if you haven't already verified this).

Members benefit from a dedicated member customer service line as well, and through what Cigna calls the Health Information Line, members can contact the company 24/7. It's important to note, too, that Cigna provides more than explanations about benefits and forms. They also have sections with information about health care in general, including the changing laws, like the Affordable Care Act, that affect the industry.

Cigna also offers programs to support the health and well-being of its members. The Cigna Healthy Rewards® program offers discounts to members for fitness clubs, nutrition programs, alternative medicine, and more.

Helpful Tools

Cigna is more than one company. It has several subsidiaries that either focus on certain kinds of insurance or serve specific areas.

Cigna offers a good provider network, which makes it easy to find an in-network care provider. Aside from providing a fairly large network, Cigna gives members perks like a home delivery pharmacy and discounts on healthy products. These discounts come through the Cigna Healthy Rewards® program.

Cigna also gives members education about health care. Should your doctor suggest that you need an MRI, a PET scan, or a CT scan, you would benefit from the Informed Choice Program. Through this, Cigna informs you about facilities that would charge you the least amount of money for one of these procedures.

Finally, Cigna offers several apps. For example you can review your account balance, check a claim's status, find doctors and hospitals, and perform other member tasks with the myCigna app.

Customer Service

With millions of customers around the globe, customer service is important to Cigna. Cigna promises live customer service that is available 24 hours a day, 7 days a week, 365 days of the year. You can contact Cigna via mail, or phone. The mobile apps make communication much more convenient and transparent too. Cigna's company website is intuitive to use overall.

Cigna's contact page lists several phone numbers, but many of these have specific business hours attached to them. That being said, it's great that Cigna can provide 24/7 customer service, but it would do well to make these means easier to find for both members and potential customers.

Overall, it's clear from the company website that Cigna wants its customers to feel informed and to get the best prices. To help customers with this, Cigna offers convenient tools to look up benefits, acquire discounts, and of course search through available health plans.

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The Bad

Negative Customer Reviews
No Domestic Short-Term Health Insurance

Negative Customer Reviews

Unfortunately, Cigna has received a high percentage of negative reviews. High percentages of negative customer reviews is common with health insurance. However, some competitors have lower percentages of negative customer reviews.

The most common issues mentioned in reviews are issues having services covered, claims payments, and working through issues with customer service. Keep these reviews in mind as you determine whether or not to buy a plan from Cigna.

No Short-Term Insurance

Aside from short-term disability insurance and short-term international insurance, there's no clear mention of Cigna providing short-term health insurance (one health plan that other competitors do provide). These plans are designed to cover basic health services and have more exclusions than Marketplace health plans. They are designed to provide short-term coverage while you wait for a more standard health plan to start. If you're interested in a short-term health plan, you may need to find another insurer.

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The Bottom Line

An insurance plan provides discounts and cost-sharing for medical treatment and care, which can significantly reduce medical expenses. Review a plan's premium, out-of-pocket expenses, and coverage to determine whether it will be a good fit. Out-of-pocket expenses include copays, the coinsurance percentage, the annual deductible, and annual out-of-pocket max.

Although some Cigna insurance reviews illustrate difficulties with claims, pre-authorization, and resolving issues, these concerns are not unique to Cigna. Those considering Cigna should be aware of these problems, but they may find similar issues with other insurers.

Overall, Cigna offers a range of health plans and member perks that make it easy to find a plan to meet your needs.

Cigna offers plans that are compatible with HSAs and HRAs. Cigna has HMO and PPO plans, Medicare, and Medigap.

Cigna's network is large, although a customer's access to it depends on the kind of health plan they have. Cost-sharing rules for health care costs also vary based on the benefit plan chosen. Customers can also purchase vision and dental insurance from Cigna.

While it would be nice to have clearer information about their contact points and types of insurance Cigna doesn't offer, it's website still has plenty of resources to help members and potential members be more informed.

The coverage you do get through Cigna will depend on several factors, including your location, health situation, and the amount you want to pay for your monthly premiums. Cigna has search engines that are easy to navigate to discover plan options that are available to you.

Individuals who choose a health insurance plan from Cigna, have access to Cigna's member resources and services. Cigna makes it easy to find a primary care physician, specialized doctors, and other health care professionals. The insurance company also makes it easy to view the claims process and see the explanation of benefits.

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User Reviews

Star Rating

2.8

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288 Reviews

Review Breakdown

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24%

4 grade

18%

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1 grade

43%

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Gary Kissimmee, FL

I have been with Cigna for 3 years now and I will never go anywhere else. There customer service and claims payout are 2nd to none. I have been able to see specialist without waiting to get a stupid referral from my doctor. My agent has made using this plan very easy to use and understand. For anyone complaining about Cigna maybe you need a better agent, the coverage Cigna provides is incredible and your agent should be there to help you whenever you need it.

7 years ago

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Terri wills Frederick, MD

Cigna saved my life! I went into the hospital two years ago for suicide. Cigna was on it, they gave me a case manager, they gave me a counselor 24 seven 365. They set me up with the mental health professionals that I needed. They helped me with medical as well. But it when it comes down to it Cigna saved my life!

7 years ago

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Kenneth Bouldin

Cigna has been very proactive in providing top notch customer service and prompt health care, and quick to follow up when I have medical emergencies to make sure that my needs were met and if any follow up care was needed. They also provide yearly checkups, and routine medication checks when new prescriptions are given.

8 years ago

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Amy Stewart Gilbert, AZ

We had Cigna Health Insurance! When my children were young we had Cigna insurance that was offered to us through my husbands company and we loved it! My pediatrician accepted Cigna and they were very helpful in covering all of our needs. I enjoyed not having to worry about visits being covered.

8 years ago

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Anne Sainsbury Salt Lake City, UT

I had cigna coverage for a few years and had a fairly good experience. One of the difficulties I ran into was having claims mixed up every so often. My saving grace was the customer service. I called many times to make sure that claims were handled appropriately and we were always able to identify the right solution for the coverage that was seemed appropriate.

5 years ago

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Rickey Lehi, UT

Cigna customer service is really nice, especially with their extra features. I had a bad experience once with a teledoc appointment and left them feedback internally. They called me back the next day, refunded my appointment, and thanked me for the suggestions on how to improve the service. I've never had an issue with them working with doctors on payments or denying any claims. I've used Cigna for 3 years.

6 years ago

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Krystal Taylor Pleasant Grove, UT

My family was covered by Cigna for 10 years, and we are extremely grateful for them. My mother who was diagnosed with cancer during this period, was able to receive treatment that saved her life, and not become financially ruined in the process. I had to make several arrangements prior to leaving the country for an extended period of time, and my interactions with their customer service phone representatives were awesome. They were knowledgeable, helpful, efficient and kind

7 years ago

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Lilly Logan, UT

I was always intimidated to talk about insurance stuff because I didn’t know a whole lot. But when I had to go pick up some subscriptions. I called Cigna to see what was covered and what wasn’t. And the lady I talked to was an angle. She answered all my annoying questions and told me all the little details about what I could and couldn’t get.

7 years ago

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Velma Merritt Ozark, MO

Cigna was excellent health insurance. HOWEVER, they were to refund me one month's premium. It was to arrive in 15 days. It has now been 30 days and no refund. I find businesses like Cigna want their payment on or before the due date but when they owe the customer money, time becomes irrelevant. Because of this I would definitely think twice before I would have their coverage again. I stayed on the phone with them three hours, my insurance agent has called them numerous times. Still no refund.

4 years ago

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Ladyjojo

I had Cigna before working with a different company. Customer service is great where when you call in, you can always get someone to explain to you about your benefits and what's covered and how much your co-pay should be.

6 years ago Edited September 14, 2021

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Jeremy Balls Kaysville, UT

My experience with Cigna has been nothing but positive. They cover what their policy says they'll cover and have been quick at processing claims. My only complaint is that they don't include most Intermountain Health Care Hospitals.

7 years ago

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Gracie Dallas, TX

We all know insurance providers can be confusing at times, but I've never been more confused on what is covered, vs what is not, than with Cigna. I've received letters stating that basic testing for pregnancy is not covered, and from the sounds of it, Cigna plays by its own rules rather than what has been recommended by the AMA. Although their customer service was kind, I was still lead down a rabbit hole trying to figure out what was covered and what wasn't. There are better services out there. I recommend United Healthcare.

7 years ago

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Allison Joplin, MO

I’ve had Cigna high option through my employer for over 15 years. I have choices of companies and have stuck with Cigna because my drs are in network. However, they use a 3rd party to process preapprovals (Evcore?) and Informed choices that is literally a company to harass you about what the dr has ordered! They called everyday when I was in the hospital after a liver resection to ask why I was still there and when I thought they’d release me. Still in ICU. I’m convinced I was released entirely to soon which lead to other complications because they called daily to talk to me and nurses. They also take a ridiculous amount of time to approve of dr ordered tests and then call you trying to get you to get the test done at the cheapest place they can find. Even if it’s 60miles away. Took almost 3 weeks to get an mri approved for my sons torn ACL. I had to sign a insurance waiver when I showed up for a CT scan and they were still waiting for approval. I had taken off work and when I called they said “nothing they could do. Should be approved by end of business day”. They call you before every procedure to harass you guaranteed! I’ve blocked the number so I don’t have to talk to them.

7 years ago

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Hannah Pleasant Grove, UT

Unfortunately, all in all, I would not recommend Cigna to anyone. I have had some good experiences, but they are drowned out by the number of poor customer service experiences I've had. And that's only considering the MINIMAL health issues we've had - I can't even imagine trying to deal with them with more rare or expensive health issues. For example, several times that I've called the customer service lines, I've been told I'm number four-hundred-something in the line (like, what?!) and to please wait. Other times, I've gotten someone, but man they are so, so difficult to understand. Other times STILL, I've had requests come to my mailbox for certain information and have complied and sent said info in, only to receive the exact same request a month later. Ugh. Sorry Cigna. You're not cool.

8 years ago

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Amy N Sandy, UT

We have had Cigna health insurance at various times through the last few years with different employers. It seems the level of service is more related to the plan setup with the employer than Cigna itself. Some employers had their own dedicated customer service we would call rather than direct Cigna customer service. The dedicated customer service provided a higher level of helpfulness.

4 years ago

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Mandi Colorado Springs, CO

I mostly used my Cigna for the telemedicine benefit they have. I was able to get a virtual visit with a doctor quickly. When I had an allergic reaction to medication prescribed to me through their telehealth app, I was able to get quick follow-up care within a few hours to get an alternative medicine for my sickness. Vision insurance through Cigna is also a very good value for just an individual or family. The dental through them helped to offset the cost of my daughter's braces which was a financial gift for my family.

4 years ago

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Rhonda Earhart , VA

I had a CIGNA health insurance policy via the Affordable Care Act when I was self-employed. Their coverage was phenomenal! Their website was easy to navigate. My employer offers coverage from a different company; however, if I ever needed to purchase health insurance on the market, I would choose CIGNA again.

5 years ago

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Rseibold Phoenix, AZ

CIGNA has gotten really good at making it very easy for you to schedule appointments with their app. they have everything laid out By ZIP Code and procedure needed. Only complaint I have is I’ve called multiple doctors and they say that I’m not in their network but it does show I’m in their network on the app otherwise they make it very simple for you to schedule appointments.

6 years ago

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Karen DeMann ,

I have had Cigna for a few years. We have a high deductible plan, I need to meet before coverage. I met my deductible last year, and the coverage after was very nice. I like the coverages before for physicals and check-ups. I think its good insurance.

6 years ago

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take7 Sandy, UT

Our Cigna we can take almost everywhere we need to with doctors and clinics. Their customer service is excellent when I call to confirm coverage. The make contact with the providers and they even follow up with you. Plans and cost fits our family and is affordable for us.

6 years ago

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Angela Wellsville, UT

Cigna promptly paid our claims and our plan gave us decent coverage. As with all insurance it seems over priced, but being a necessity we found a plan that offered respectable value for our family of 6. We did have an issue getting our deductible to rollover from our previous plan and that took several months to sort out which was annoying, but it did eventually get resolved. Customer service was so so and frustrating at times.

7 years ago

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Jennifer Smith Salt Lake City, UT

My husband and I worked through this insurance company for close to 10 years through a company that he was working for. Both my husband and I had cancerous surgeries to remove cancerous cells. This health insurance made our lives much easier as much of these costs were covered after we had met our deductible. The biggest challenge with this company is its customer service. I have spent hours upon hours on the phone and feel like I never was able to get the answers that I needed.

7 years ago

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wayne sanders Valley Center, CA

we currently have Cigna as our health care provider. So far Ive found the coverage and service to be quite good. Although we haven't ever had to submit any major claims, When we have had claims submitted they have always been paid in a timely manor.

7 years ago

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Evelyn Chidester Riverton, UT

Their costumer service is always easy to get a hold of and are very friendly when answering all my questions. Unfortunately they do not always hold true to what they say. Although you have to make appointments with doctors on their providers list, there seems to be many qualified doctors to choose from. You can go to a doctor not on the providers list, but its will cost you more money.

7 years ago

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Katie Kearney Vienna, VA

My company currently uses Cigna and I am pleasantly surprised how much I like them. I haven't had any concerns yet and have not needed to talk to customer service so I hope it stays that way! I'm bringing my husband over to my insurance plan in Jan 2019!

7 years ago

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Rashida Laumatia Saint George, UT

Had Cigna for a little while and loved it. Until it was hard to get a live person on the phone. Once a person was on the other line, the agent was very rude as if I was burdening her. Would hate to see a good company get a bad name for something that could be a simple fix.

8 years ago

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Completely DISSATISFIED Washington, DC

They have the worse representation I've ever experienced for any medical / rx insurance company I've ever had. After meeting my fiscal yr deductible, my provider called in a prescription that I purposely waited on until after the deductible was met. Well, Cigna Express Scripts mail order service processed it as if I still had a deductible balance to be met. After bringing this to the attention and advising the medical and pharmacy depts of my amount paid, being told by more than one medical representative my deductible had been met beforehand, attempting to forward the proof of payment with my receipt to the pharmacy dept and speaking with 3 representatives and 3 supv from pharmacy, they still wanted to twist this matter into their narrative and refused to contact Cigna medical to confirm my deductible payment. Instead, I had those same representatives and supervisors, Danielle, Diane, Candace and several more tell me I had to go back to the date of svce provider and request a refund of my already paid deductible balance and twice pay it to the pharmacy for the Rx balance plus the copay. Their line was "the Rx was processed in real time and they wouldn't wait for the paid deductible amount from the provider to be processed". Really? Well, so was my paid deductible balance met in "real time" and days before the prescription was ordered. After paying Cigna's high annual deductible along with the balances to providers for not being completely covered and my employer's portion, they really expect someone to overpay an annual deductible and then go back to a service date provider who has absolutely nothing to do with this concern and wait to be reimbursed from them. Absolutely NOT!!! So no, I absolutely would give zero stars if I could.

4 years ago

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Anne Toomey Tarrytown, NY

I had standard tests requested by my doctor that Cigna determined to be "not medically necessary" and thus refused to pay the cost. I was told there were two appeal steps - first an internal appeal and then an external appeal. I did the internal appeal rapidly, without going to my doctor for additional documentation, thinking I could do the external appeal if that failed. But when the internal appeal failed I learned that to complete the external appeal process, my employer would be potentially be liable for the fee incurred if it was rejected - the fee being somewhere between $400-4000! Nothing of the fee was included in the earlier documentation, and indeed the customer service representatives didn't seem to know how the process worked either. So now I'm stuck having to pay for a bill that should have been covered. How are these insurance companies dictating what our health should look like? Can we please abolish this ridiculous system?

4 years ago

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Danielle Oleary Peabody, MA

Cigna is AWFUL. Please do your research before enrolling with this company. Their customer service is awful, if you call them plan on being on the phone for hours at a time and getting nothing fixed. Also, every single customer service agent I spoke with contradicted what the other person said. No one is on the same page. They don’t cover much of anything. I had no choice and had to switch to them because my husbands work went with them, I miss Blue Cross so much they are 100% better. I spoke with customer service before switching to make sure my medication was covered and they assured me they were. Well, I am now paying over $2000.00 a month for meds I need. And they WILL NOT do anything about it. And I’m stuck with them until next year. Do yourself a favor and avoid this insurance company AT ALL COST.

4 years ago Edited March 2, 2022

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Sam Zhao Anaheim, CA

As a customer I had been with drug insurance company Express Scripts for several years. Eventually I rarely use the service of Express Scripts. After Express Scripts merging into Cigna starting January 1, 2022, my monthly premium was raised to $71.60 from $26.50 almost tripled without my consent. Therefore, I contacted Cigna several times, but they didn’t have any sincerity to help me solve the problem, but keep sending the bill to me, which causes me considerable mental pressure. Since Cigna’s bad business behavior and poor customer service I had to select another insurance company. Based on my bad experience with Cigna I strongly recommend that as long as you have another choice don’t choose Cigna.

4 years ago

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Narges Masoudi Redwood City, CA

Worst insurance company I've had the displeasure of working with. They are liars and schemers. I've worked with many insurance companies through out my career but none of them have been like Cigna. They have the worst and the most incompetent customer service. I submitted a claim a year ago and after 4 calls, I still haven't been able to get the claim processed. Their customer service keeps hanging up on me or just passing me around for hours until I have to give up and call back another day. When it comes to payout, I believe their policy is to drag the process out as long as possible so you would give up.

4 years ago

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dwood51 Dallas, TX

My employer, a major airline, just moved from United Health Care to Cigna. No problems with United in 15 yrs. Now my wife desperately needs a double knee replacement, but Cigna denied the surgery stating it needs to be done on an outpatient basis. Our doctor is one of the best knee surgeons in Dallas and says she needs the surgery ASAP (bone-on-bone and can't walk 50 ft) and a 3-day hospital stay. What doctor sends a double knee replacement patient home the same day. Shame on Cigna and my employer. My wife and I just signed up a Medicare supplement insurer and it isn't Cigna (its United).

4 years ago

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Dan S Gilroy, CA

Cigna is the worst insurance company I have ever dealt with. Read the reviews on here - the 5 star reviews are sourced and I don't believe to be actual customers who have really had to rely upon their insurance. Okay, let's get into it! In March of 2020 I was dealing with some severe shoulder pain. I was told I needed to go to physical therapy before an MRI would be approved. Well COVID hit and I put off PT till November of 2020. So, I start going and end up completing about 15 sessions - 5 in 2020 and 10 in 2021 (this number becomes important later). At this point, I finally get to see an orthopedic doctor and he orders an MRI. The MRI is supposed to be covered as pre-approval was submitted and approved. I'll come back to this later in the story! So, I get my MRI in June and it is decided that I need surgery to fix a tear in my shoulder. So I go in for surgery in October of 2021 and they fix things. My doctor immediately wants me in PT, so he orders 12 initial visits and wants 12 more after. Remember when I said I had 10 visits in 2021? That I needed to use to get approval for the MRI? Well it turns out that Cigna only allows 20 visits per year - no matter what! So, I am only allowed 10 visits to get my shoulder back to 100%! They will then offer you a BS virtual PT...because someone can really work your shoulder remotely. Okay, so their coverage is terrible, got it. Now we get to deal with them paying these medical professionals. Remember that MRI that was approved in June? Well, they never actually paid it. They say they paid it, but they did not pay it. They paid a 3rd party, but not the actual bill that was sent to them. So now I start getting bills from Valley Radiology (a clueless billing department there too) who says Cigna didn't pay. Then after a bunch of back and forth calls, Cigna pays Valley Radiology...some. So Valley Radiology bills me the difference now. After several more hours on the phone with Cigna they assure me things will be taken care of and they will be paid. A month later I get a collections notice from Valley Radiology. Apparently one can't talk to the other they are both incompetent and can't get things right. So MORE back and fort with them, and right now I am told they are getting it worked out. Will they? I doubt it. So the surgery was in October. They processed a claim this week (January) for the medical devices they put on your legs during surgery to prevent DVT. $1800 they denied because it's "Out of network"? Everything about the surgery was in network, but not that?! It all just keeps coming. More bills. More things they don't cover. More things they say they will do, but are lying to you directly. They aren't actually trying to help you, they are taking your call and passing you off enough that you get tired of it and finally pay the bills they are supposed to be. I could keep going about my experience with them, but I'll leave it at this one. Good luck to anyone out there who is using them or their employers offer them.

4 years ago

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Heidi Warwick, RI

Absolutely terrible experience! Not only did they just switch me over to a different vaginal ring without even giving me a heads up beforehand, but they also make it impossible to talk to the right person on their service line to actually get help. I´ve called them 4 times this week, every single time being transferred to about 3 people, having to explain all over every single time. Once they even hung up on me after me spending 30 minutes trying to explain to uneducated people what I am looking for. I am currently waiting in the line to speak to the 5th person and its been one hour that I spent on the phone without getting ANY helpful information.

4 years ago

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Lindsey Schneider Homer, AK

I was attracted to Cigna because I needed expat insurance before my Canadian insurance kicked in. Their "exclusions" were extremely hard to find, and 2(!!!) agents on the phone told me that birth control would be covered, when it wasn't (women, beware). Their agents are either ill-informed, or lied to make a sale. By the way, that's a violation of the Civil Rights Act. Additionally, when I requested a cancellation of my policy, it was completely ignored by their customer service team and my card was charged against my wishes! I would never EVER recommend this company to anyone. Functionally, making a claim is difficult and complicated. Once you seek reimbursement, they will probably site some secret clause in their policy and deny you coverage. Don't be fooled by their paid influencer marketing and the bloggers paid to write amazing things about them. This company is based on customer service interactions over the phone, but it's ineffective and archaic. Choose someone else.

4 years ago

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Mike Williams Indianapolis, IN

Terrible company. I receive long term disability from this company after an injury. They tell me my checks are issued on the 7th each month which leaves 3-5 business days for processing. This month they didn’t issue it until the 9th which is a day before the weekend which makes for an extended wait period unlike the respective 7th like they told me. Their customer service is the worst. There is a woman that is usually answering calls she is usually not any help and very indifferent. She tells me even tho I was told the 7th every month it can be basically whenever they want to issue it and that’s that. Here it is the 13th and still no check. This is the same woman I gave my direct deposit info to and did not do her job to put it in the system in the past. As when I called about it at that time all she had to say is we didn’t receive it and that’s all she had for me. I eventually got in touch with manager there and she found info and put it in. Wouldn’t even recommend this company to my worst enemy

4 years ago

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Gary Sweet Shrewsbury, MA

I was one of the unlucky Express Scripts customers who got switched to Cigna. In the past two days, I have spent more than 4+hours holding on the phone to speak to a representative about your / my medicare plan !!!! Absolutely ridiculous !!! Yes, I know that it is a busy time for you but that excuse does not cut it. I have also called at least 4 different phone numbers to get my wife's account number to sign up for auto pay out of our checking account. Every person told me that they do not have access to that information and transferred me to someone else. I could go on and on about my negative experience but probably time to stop. Hopefully someone that can resolve this issue will contact me but if they do they to will probably have to transfer me to someone else!!!!

4 years ago

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Carol Johnston Los Angeles, CA

Our company switched our service from Blue Shield to Cigna this year. It was supposed to keep our costs the same without reducing coverage. However, medications that I was using in the past having gotten approval to not use the generic (It gave me severe headaches), Cigna denied letters from my Doctor stating this and wants me to try other medications that I did actually use initially, and they did not work well for me. I was given no appeal opportunity and was refused being able to speak with another representative. I have also found, that despite having the more expensive PPO, I have had to wait up to 3 weeks for approvals for medically necessary procedures. Waiting for medicare so I can leave this company--and I can assure you that they will not be getting my business for the plan B, etc.

4 years ago

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Do Better Secaucus, NJ

This is by far the WORST insurance coverage I've ever been forced to pay for. If I had any other option through my employer, I would gladly accept it in leu of having to jump through unnecessary hoops for this agency. I've personally spent 14 years working in the Operating Room (OR) and even longer in generalized healthcare. I spent several of those years specializing in Sports Medicine. I have firsthand experience with diagnosing injury and scheduling imaging, therapy, etc. This past year I left surgery to redirect my expertise into supporting the global efforts combating the SARS-CoV-2 pandemic. With that decision, I changed my employer and had to transition my health plan to Cigna. My wife, who also works in the OR continued to receive healthcare through the hospital. For those of you who are not aware, hospitals tend to offer much better health coverage to their employees. When my wife injured her shoulder, I had her see a former colleague who specializes in Sports Medicine, suspecting a rotator cuff injury. My wife, pregnant at this time, was given a cortisol injection and underwent physical therapy. However, her pain persisted. Once she gave birth to our child, I had her transition over to my health plan for a better insurance rate. Now that she has given birth, she returned to her physician for further evaluation and treatment for her shoulder injury. Her physician ordered an MRI, understandable so, and Cigna denied it. Cigna requested a history of an X-ray. For those of you that do not know, an X-ray will not show soft tissue injuries. X-rays are ordered upon the initial report of an injury to rule out a fracture. It’s also a way for insurance companies to exploit patients/customers by forcing unnecessary preliminary steps rather than trusting the trained physicians who actually diagnose and place the orders. I digress. I have my wife cancel her MRI and her physician schedules her for an X-ray (waste of time, resources, and MONEY). Upon receiving her X-rays, once again she is scheduled for an MRI. Cigna once again now denies covering the expense of the MRI stating it is “not medically necessary”. My wife is now to the point she does not have full mobility in her shoulder without excruciating pain. It’s obvious to medical professionals (myself, my wife, her physician) what level of care is needed. However, the buffoons who run this agency seem to disagree. IF THOSE OF US WORKING IN HEALTHCARE, DEDICATING OUR LIVES TO CARING FOR OTHERS CANNOT RECEIVE PROPER HEALTHCARE… in a timely fashion… That is a problem. Do better. You’re failing us all.

4 years ago

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BG St Louis, MO

Cigna will approve a procedure, i.e. a cardiac echo, but after the procedure they will find some part of the procedure that they do not cover. They say the doctor wrote the wrong diagnosis for them to approve that part of the echo procedure. We, as patients, have no way to tell what it is when it's happening, so can't tell what we might have to pay for later. Customer service is terrible.

4 years ago

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Christopher h Bellwood, IL

Cigna sucks completely. I've been on less that a month and I already hate it. I pay about $377 a month through healthcare.gov for them and they still don't cover anything besides a visit to the doctor. I have a $5,000 deductible I have to meet before they will pay for anything. I'm experience acid reflux issues and had to turn down the testing my GI doc wanted to do because I can't afford it. BlueCross is literally the only good insurance on healthcare.gov. Its a little expensive, but their copays and deductible are much lower. Definitely switching back in January They also don't cover about 1/2 if not more of all medications. Even if they do cover it they have insane restrict on dose and # times of day. When I switched to them I had to buy a Walgreen Prescription Saving Plan to cover most of meds. I'm on 2 mental health meds that were difficult to get right and I refuse to change them.

5 years ago

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Mike Richey Los Angeles, CA

CIGNS QUIETE POSSIBLY ONE OF THE WORST INSURANCE COMPANIES, I have Cigna PPO Preferred through my employer and pay extra for the higher tier. Well that doesn't mean anything, everything with Cigna is denied by their evaluating company "Evicore." My 18 year old son had an injury to his hip and saw an orthopedic who referred him to physical therapy, Cigna/Evicore denied it saying there was no medical necessity, after appeal was approved, co-pay was $600. My son was sent for an MRI, was originally denied and after appeal was approved, co-pay was $400. Multiple medications denied, not covered even after my physician sent in several requests for authorization. My wife has suffered from severe back pain and sees a pain management physician and gets epidural injections every 3-months, every time the physician submits for authorization, comes back denied and requires a peer-to-peer review, even after having documentation of her condition from multiple MRIs, orthopedic and neurosurgeon. Typical co-pay for an injection, $1,200. I work for a large medical device company and have submitted multiple complaints regarding Cigna asking to give employees another option besides Cigna. **If you have the choice of choosing another insurance provider besides Cigna do it, you will be extremely frustrated and disappointed with the service and coverage you receive. **UPDATE: 10/30/2021** Cigna continues to be the worst insurance company, after being contacted by Lance F. States sorry for denials but they have been because they requests don't meet Cigna's policy for treatment. This is what people need to know about Cigna, is your policies are to deny, deny and hope the member just gives up and does not seek further treatment. After talking to Lance F, this week regarding my healthy 19 year old son who was denied physical therapy for a sports related injury after recommendation for physical therapy by two orthopedic surgeons and physical therapist, I received a letter from American Specialty Health on 10/28/2021 notifying me they are approving 6 sessions of physical therapy--FIVE MONTHS AFTER IT WAS REQUESTED, FIVE MONTHS!!!! One of the most ridiculous things I have ever seen, Cigna should be embarrassed just sending that letter out. My wife's procedures still continue to be denied and are on appeal, even after 40+ pages of physician notes, multiple MRI and consultations with multiple pain management physicians, orthopedic spine and neurosurgery. THIS is the kind of coverage you can expect with Cigna, have better coverage with Kaiser or any of the Blues. Don't be fooled by they hyped up "Cigna PPO Preferred," just a marketing ploy.

5 years ago Edited November 1, 2021

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M Wilson Houston, TX

Health coverage through them for several years. Competitive rates with better than average customer care. Only complaint is they make you go through their online pharmacy for prescriptions which can be a negative sometimes

5 years ago

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H J Tempe, AZ

I’ve had Cigna with my employer for almost 10 months now. I’ve never experienced such a disgraceful process in my entire life. I’ve had 7 surgeries since 2008. With previous employers, I’ve had Blue Cross / Blue Shield and United. I’ve run into speed bumps with previous insurance companies but I’ve never felt like an insurance company is actively trying to make me suffer - that’s what it’s been like dealing with Cigna. From Day 1, they’ve caused issues. They denied coverage for a prescription I’ve been on for 2 years for nerve pain. They said they wouldn’t cover it because the medication was used to treat nerve pain from Shingles - sorry my nerve pain is related to spinal stenosis?? This increased my monthly cost to over $500 and I couldn’t afford it, so I had to switch back to other medication that I take every 8 hours (instead of once a day). Back in May, I had a doctor send a request for an MRI - it was denied. The office at this practice informed me that Cigna denies about 50% of imaging requests - that’s insane! I’ve never had an MRI request denied until Cigna. I then went to see my surgeon at his new practice and it was denied a second time! The third request was finally approved. And this week, I was suppose to have a spinal fusion surgery, but the pre certification was denied by Cigna. The nurse told the surgery scheduler that it was due to “not receiving 12 months of continuous treatment” and that the imaging didn’t show substantial evidence that the procedure was required. What does that mean? My disc herniation was smaller than average? I have spinal stenosis and a small herniation can cause massive nerve issues. I’m currently experiencing muscle weakness and loss of feeling in my left leg (foot, ankle, calf, shin). That’s been recorded by my doctor. How is that not enough? If I wait any more, the damage could become permanent; I know, because it happened in 2016 (to another disc level). I had to reschedule my surgery and that’s pending a peer to peer review at the moment. Living with chronic pain is exhausting enough. Dealing with disability paperwork for short term disability insurance at work. Having my pay cut. Scheduling people to care for me and pay for work done around my house because I’m physically unable to do it due to my medical condition. Cigna really kicks you when you’re down. I will never work for another employer that offers Cigna. They only want to take your money and never pay out for the coverage you’re due. I would pay DOUBLE the premiums to have BC/BS or United again.

5 years ago

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Reta Orlando, FL

Cigna is pretty mediocre when it comes to insurance. They always preface your coverage options by saying "Cigna will cover 100 percent of the costs once you meet your 10,000 dollar deductible." As if that makes it any better. Processing claims is a nightmare. They require your entire medical history before they will apply an out of pocket expense to your deductible. The website is down at least 3-4 times out of the week. I know this because I am constantly uploading claims. The representatives are a hit or miss when it comes to customer service. They'll tell you a claim takes 5-7 business days to process when in actuality it takes a minimum of two weeks just for them to receive the claim. When you upload to the website, they can't see it. A visit with a specialist that was originally $275 and my co-pay is $210. That's Cigna for you.

5 years ago

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CR Round Rock, TX

HR Professionals, Individuals, and Insurance Brokers I urge you to consider and exhaust all other coverage options prior to choosing any Cigna plans. Throughout my career and my lifetime I've never experienced the issues that I have faced trying to get coverage for myself or my associates. Employers - choosing Cigna as a insurance provider poses the opportunity to cost you your most valuable asset, your associates. Please look at the 1 start reviews and the comments. Look at what healthcare providers are saying about working with them. Look at all the people hurting, in pain, afraid, and financially impacted by choosing Cigna. This is what you'd be putting your associates through using them. There is no savings on premiums worth the outcomes that you'll have to face. There is no value that you can pass to yourself or to your associates to mitigate the coverage issues you will face, the poor customer experience, and the astounding lack of concern for your health. Interacting with Cigna: In trying to refill a prescription with them I made over 30 calls from January 16th to April 5th. These call would go like this: Call Cigna, "you have to call Accredo"; call Accredo, "You have to call Express Scripts"; Call Express Scripts "you have to do that with Cigna". At one point I had myself, the insurance broker, the provider, Cigna, Accredo, and Express Scripts (Accredo and Express Scripts are owned by Cigna) on the phone and it was dangerously laughable at the degree of incompetence I witnessed. This issue was never satisfactorily resolved. When escalated to a manager the comment was a sarcastic, "have the insured pay cash for it and submit a claim if he needs it that badly", to which their own associate replied, "it's $5200.00 per dose", to which the manager said, "oh, that's too bad then". I have not had a single instance of contact with Cigna that had a positive or timely outcome. Coverage: I individually have not a single event or prescription successfully covered. I have daily conversations with associates regarding their struggles to get prescriptions covered. I've never had the case to write a negative review for any business or business partner. My interaction with Cigna as a customer has proven to be that "nightmare" that you hear others talk about. They've jeopardized by health, negatively affected my livelihood, negatively impacted my business, negatively impacted my associates, negatively impacted my finances, created anxiety, stress, and caused a reduction in efficacy at work for me and associates due to the number of calls, contacts, emails, follow-ups, etc in trying to obtain coverage. There is no savings that is worth doing business with Cigna.

5 years ago

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AngryCignaCustomer San Carlos, CA

If you have a choice, pick another insurance company. Otherwise, prepare to waste a lot of time fighting for your claims and worse ended up paying what your insurance company should have paid. #1. The names of their plan will confuse everyone - staff will ask me what's LocalIN plus, never hear of that. What's EPO? Is that PPO or HMO? #2. Be prepared to appeal. They will reject your claim for treatment ordered by your order. Hope your doctor can help. Otherwise, you are on your own. #3. Phone support is almost useless. People on the phone are trying hard to help but their knowledge is limited and they tried to search the web to answer your question. You can try to search their webpages too but good luck - very confusing. #4. Cigna's goal is to make money and not to take care of your health or pay your treatment. They tried their best to not pay and maximize their profit. Looks at how many bad reviews out there for Cigna. It is not just me. Look for other better options if you can so you can focus on your health. Take care and be safe.

5 years ago

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AKT Roseville, CA

This is by far the most miserable experience I've ever had with any company providing a service. It dethrones all of my previous negative experiences with other companies, including a now-defunct credit union that was mismanaging and irreversibly losing my funds, and a VA service for a dental operation that almost got me killed, due to poor surgery technique. Automatic billing information does not update on their auto-pay system if their is a change to your bank info. I take the blame for this (as I am used to services automatically updating themselves), but perhaps they could have at least informed me that my monthly payment was declined BEFORE a late penalty was incurred. I fixed my information to use the new card, but auto-pay stopped working. Even though I complained about this twice, I know have to go out of my way to manually pay each month, on their extremely buggy payment portal. Their website is constantly full of bugs, missing information, and straight-up lies. I even got penalized for a late payment of ZERO dollars and ZERO cents. When I attempted to pay my bill of zero cents, the payment was declined because banks think making a credit card payment of zero cents is stupid, and they are right. I reached out multiple times in writing and through the website's messaging system, pleading with them to contact me via e-mail, and they only spammed my phone with calls I would never be able to pick up. If I attempted to call them, THEY would never pick up because it was never during THEIR office hours. I attempted to eat the late fee by manually paying on their website (which took three days, because 75% of the time, their payment system is bugged and doesn't work), which resolved the penalties and e-mail spam for 1 month. Now, the system is saying I overpaid. Because Cigna absolutely refuses my wishes to be contacted by e-mail or US-mail, they constantly kept attempting me to contact me on my Cell Phone during work hours where I cannot answer. And after work or on the Weekends, if I tried to call them back, they would not be in-office (even though their website boasts 24/7 phone support). I paid into this company for a year, received 0 benefits (as I did not use any medical services this year), had several hours of my time wasted due to their terrible website and business practices, and am LEGALLY bound to paying THEM money until THEY decide I can dis-enroll (If I stop paying them, it does not end the contract, it just gives me RECURRING penalties that I am legally responsible for).

5 years ago

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Rob Denver, CO

Awful customer service experience. Cigna incorrectly applied my payment to my wife's policy, and, even after I had made the binder payment, they terminated my insurance! Because of this, I have been 2 months w/o insurance with empty promises of reinstatement, a refund, and callbacks. After nearly 4 weeks of phone calls to multiple supervisors, Cigna has crafted an argument to keep my binder payment which was not applied to any insurance. Further, they propose to back date my insurance two months asking for additional payments when I have never used the insurance. Absolute disaster, waste of time and energy, and ultimately a disgrace of an insurance provider.

5 years ago

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Rebecca Evans American Fork, UT

This company has covered a lot of expenses willingly for us for which we are grateful. Lately they have been giving more push back on needed procedures. They do come through on most, but it takes time and can be quite distressing wondering if they will be able to cover the costs.

6 years ago Edited September 14, 2021