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Most Unethical Health Insurance Company Ever!!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

BLOOMFIELD, CONNECTICUT -- Don't ever believe that Cigna as a health insurance company is truly "together all the way" with you as their member, which is what their corporate motto proclaims to be. That is a total fallacy! Don't believe it for one second. Here is my honest assessment of this company, Cigna, and the untold story of what I personally feel amounts to an unethical, ruthless company who values profits over people:

Cigna is without a question of a doubt, a truly awful insurance company who does not honestly "care" about people. Very recently for example, Cigna refused to cover practically all components of my cancer treatment. This had included biopsies of the affected tissue/area, chemotherapy treatment, and even certain medications which had been prescribed to me to slow the growth of 3 medium-sized tumors around my liver, pancreas, and spleen areas. (The medications were supposed to have been prescribed, and then taken prior to my eventual surgeries.) But anyways, after battling Cigna for months and months, the outcome remains unchanged. They are still categorically refusing to cover any parts whatsoever of my cancer-related treatment. And in fact, to make matters worse, would you believe that this so-called "caring and compassionate" insurance company even had the unbelievable temerity to tell me (and all of my doctors and oncologists) that I "didn't even have cancer in the first place!!" Can you believe that?? Seriously, the medical doctors and directors (on Cigna's payroll, no less) whose sole job it is to basically find every imaginable method and excuse for denying valid claims and procedures, told me and my medical team straight up that: "based upon our own review of all the provided medical records for your patient (me), we here at Cigna have determined that an official diagnosis of pancreatic cancer C25.9, ICD-10 is neither accurate nor factually based. Therefore, according to your patient's plan, these services will not be covered." Word for word, Cigna told me flat out that I'm basically up "you-know-what-creek" without a paddle!!

Luckily for me, I'm proud to announce that my physical health is gradually beginning to improve, thanks to the wonderful care of my entire medical team who was truly "together all the way" with me (unlike Cigna) during my recovery. However, the same certainly cannot be said for my overall financial health. Because, now, as a result of all of Cigna's grimy, ruthless, and heartless actions, I am now in medical debt for hundreds of thousands of dollars, approximately $419,000 so far...... and counting!!! Heck, Cigna even battled me back and forth on covering the costs associated with my blood tests and CAT scans, although they did cover a portion of it, but not even the entire amount. Fortunately, my legal team right now is pretty confident that we've got a pretty strong and solid bad faith insurance claim against Cigna, and can prove it beyond any reasonable doubt in court. Hopefully as a result, I'll be able to recuperate some of that roughly $419,000 in medical costs that I'm now out, thanks to Cigna's insatiable greed...

All in all, the purpose of me posting such a very long, and yes, scathing review about Cigna here on the My3Cents website is not simply to bash them. Rather, it is to forewarn my fellow consumers. I personally feel like we as consumers owe it to ourselves and also to each other to share any experiences that we might have had with companies, either positive or negative. That's what review websites such as My3Cents and others like Consumer Affairs for example, are for: to share either positive or negative experiences which we as consumers have had about a company's products and services. And that's exactly what I've decided to do here on this website: share all of my terrible and awful experiences and dealings with Cigna, a truly diabolical and soul-less, greedy corporation that has the audacity to go around masquerading as a "caring and compassionate" insurance company who is "together all the way" with their members. (They sure weren't "together all the way" with me, that's for darned sure!!) But anyways, my goal here in posting this review is to share all of my terrible experiences with Cigna. That way, other consumers would then be able to make well-informed decisions about whether or not to sign up with this particular health insurance company.

And in conclusion, here would be my summary of this health insurance company, Cigna: Do not ever trust them for any reason, even if your life depends upon it, literally!! Because honestly, the only thing that Cigna truly cares about is their own bottom line profit margins. Of course, they accomplish this by saving money and not paying out on truly "medically necessary" claims, just like with all of mine and my much needed cancer treatment so far. That's exactly how Cigna remains profitable and amasses billions and billions of dollars (each year alone) in profits. Make no mistake about it ever: Cigna cares only about their own bottom line profitability, and not their members' well-being and health! So in my opinion, you should never sign up with Cigna, because if you do, they're probably just going to try cheating you out of your legally and rightfully entitled medical benefits, just like they've already routinely and consistently done with me over and over and over...... again.....

Just choose any other health insurance company (besides Cigna). Because based upon my honest assessments, it is probably those other health insurance companies out there who are truly going to care about your health, well-being, and wellness. Quite clearly, Cigna doesn't care one bit!!! Because if they did truly care, and if they were truly "together all the way" with their members (like they claim to be), then they certainly would NOT basically be telling cancer patients like me that their lives don't matter, and aren't quite worth 'X' amount of dollars, in terms of the care that we truly need. And that is exactly the message which Cigna sends to everyone loud and clear, whenever they engage in the same kinds of truly heartless and unethical actions which they've already engaged in so far, including scapegoating a cancer victim into believing that this is somehow all their fault!!!?? Are we really serious right now, Cigna?? Honestly, there aren't enough truly awful things which I could ever say or write about this so-called "caring" insurance company. This one here is the absolute worst of the worst which you could ever choose for your own health. Just avoid Cigna like the Plague.... and the Corona Virus too, for that matter! Please don't say you were not adequately and fairly forewarned…...

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JAMES JACKSON USING MY ADDRESS = FRAUD
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

AUSTIN, TEXAS -- James ** is fraudulently using ** in Buena Park as his address for Cigna Health - it isn't - it's mine - he doesn't live here - only I do & I'm not a man - cigna isn't my health insurance provider, either - I don't live in Texas & I'm betting he doesn't live in California, either. Remove him from your customer client list - if he lies about his address, he will lie about other things, too

I also get mail from an April ** from Fidelity Investments - I don't use that company, either - she should not be using my address, nor anyone else - ** is off limits to these people - quash them or I will put this all over the net as fraud from them - it's a crime to use addresses fraudulent - post office doesn't like it, either.

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Warning If You Have A Choice; Don't Use Cigna For Your FSA!!!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

EDEN PRAIRIE, MINNESOTA -- I am not aware if CIGNA provides FSA management for other companies, but as a CIGNA employee spouse I am appalled at the lack of communication and the frustration of processing a request for reimbursement from my Flexible Spending Account.

I had $2500 from my FSA for 2013, my son had orthodontia on 12/31/13. This is a qualifying expense for the year 2013. I waited for the processing of my dual dental coverage, but there continued to processing issues. I could no longer wait to file my request for reimbursement as the deadline for submission had approached. I submitted the information I had indicating payment to the Orthodontist of $2475 and an EOB from a dental insurer indicating treatment began in December 2013.

CIGNA's explanation of eligible orthodontia services being reimbursable clearly indicates that “reimbursement can be made once charges have been billed. This can be a one-time fee less any amount paid.” The total billed for orthodontia is approximately $6000, I have paid a portion and dental insurance will eventually pay the rest. NOWHERE does it indicate that FSA will be reimbursed to the member / client / customer based on date paid.

Per the IRS Orthodontia is an eligible medical expense and “distributions from a health FSA must be paid only to reimburse you for qualified medical expenses you incurred during the period of coverage.” The period of coverage for my service was 2013.

STOP WITHHOLDING MY MONEY!! The FSA has a use-it-or-lose-it policy and a dollar limit, so that people don't shelter income tax-free. The other advantage people have to use a FSA is access to the money for qualified expenses during the plan year before they have contributed all the earmarked funds. BUT CIGNA is not accountable – I am accountable to the IRS, so GIVE ME MY MONEY!

ORTHODONTIA is not special – it may be paid differently when processing it as a dental claim – BUT CIGNA YOU ARE NOT PROCESSING A CLAIM FOR PAYMENT TO A PROVIDER! This is my money; this was my qualified medical expense during my qualified plan year. There is nothing more to process.

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I would rather deal with the cable company
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

ATLANTA, GEORGIA -- It's annoying to have to give Cigna any stars at all. In 30+ years of professional life, I have had health insurance through multiple carriers and Cigna is, bar none, no comparison, the absolute worst. I would rather deal with the cable company or the IRS than Cigna. With those two, at least I receive something in return for my money.

When our child required significant health care services - strongly recommended by multiple providers - Cigna's first reflex was, naturally, to deny coverage. Ditto the appeal (that we made to a Cigna-compensated vendor). We were forced to make do with the skimpy coverage they were willing to provide but, even then, they have actively sought ways to avoid paying anything. In two years we have paid hundreds of thousands of dollars (i.e. savings and borrowing) for healthcare that our child absolutely required while Cigna has grudgingly paid about $14,000. In other words, we've received less than what Cigna received in premiums. Which, come to think of it, is an outstanding business model.

Claims sit for months; information that is either irrelevant or that has already been provided multiple times before is demanded; the rationale for delays and/or denials changes depending on whom we speak to; the website is either opaque or doesn't track with what "customer service" has to say. If it is not written in the script, it is not uttered (which would explain why, after waiting months for one claim to be processed, we were told with confident assurance and complete lack of irony that all claims are processed within 7-10 business days). Perhaps because they were tired of talking to us, we were informed that our claims (past and present) were being "audited" and that would take another 60 days. Finally, yesterday, we received a letter saying that we'd been paid too much and to please send them a check for $300.

I really cannot find enough negative things to say about Cigna.

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FSA Account Mismanagement
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

PHILADELPHIA, PENNSYLVANIA -- I agree with the other reviewers, if you have a choice, do NOT use Cigna, in this case for an FSA. I used my company's FSA, administered by Cigna. They mismanaged my funds and paid them out incorrectly (in duplicate). Thereafter, Cigna would not correct their accounting errors when I brought them to their attention in the middle of the tax year, so that I could submit additional claims to cover the incorrectly distributed funds without having Cigna merely reject them due to their labeling my account as depleted of funds.

Moreover, Cigna took no action until after the tax year had ended, and then in May of the following tax year (i.e., after the fund forfeiture time had been reached, which was 11 months after I reached out to them to correct my account), Cigna demanded repayment of the funds. The late date of their attending to their errors relative to the tax year those funds were set aside by me and mismanaged by them raise concerns that my account may have been mismanaged deliberately.

Subsequently, what I learned from the US Dept of Labor Office of Employee Benefits Security Administration staff is that a private employer should have a designated Administrator to oversee this type of problem as well as an administration plan that should include IRS fixing rules to correct these types of errors. If you are having difficulties with your FSA, find out who that designated person is for your company. It is now 2 years since Cigna mismanaged those funds and I am still trying to get the issue corrected. As a result, I did not use Cigna FSA last year, so as to avoid Cigna's account mismanagement, compounded by their unresponsiveness to concerns regarding their significant mishandling of an account.

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No Concern for a Child Mental Health or Chemical Dependency
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

LAKEVILLE, MINNESOTA -- My child has PTSD and chemical dependency. Today I was informed that she is no longer is being denied to continue her day treatment. Family and her facility consoler all agree she has made good strides but is not stable enough and relapse will not then likely happen if she does not continue treatment. Without any notice we were told on at noon on a Friday that she can not attend day treatment on the upcoming Monday. There was no communications of this either written or calls in advance.

The only thing that can be done is an appeal (which will take up to 30 days). By that time, she will have more than likely relapsed or worse. With a very big household there are enough challenges without being stabbed in the back by a company which you pay high rates for on a bi-weekly basis. We never had these issues with BCBS or Medica. However our company went a cheaper route and cheap is what we got! I would like to see this medical company live up to what they claim to be in their commercials. You would think they would care about a child's well-being but I guess that is too much to ask from CIGNA!

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They Are Scam Artists
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

, MISSOURI -- My husband has Cigna Health Insurance through work. In January 2013 he was diagnosed with Cardio Myopathy, and was told by his cardiologist that he would need an Internal Cardiac Defibrillator implanted. Due to a lot of Medicare fraud with these devices, the government has a 90-day MANDATORY waiting period before one can be implanted, during which time the doctor monitors to see if medication alone can help the condition. During that waiting period, most of these patients are prescribed by their cardiologist to wear a ZOLL Life Vest, which is an external vest worn that can shock the heart in case of sudden cardiac arrest.

My husband's cardiologist is an In-Network provider, as well as the hospital he uses. The ZOLL Life Vest is the ONLY device of its kind made in the entire world, so there are no other such devices to choose from, and this is a life-threatening condition without such a device. This device is also an FDA Class III approved device, so it is no way considered an experimental device, and MOST insurance companies pay for the use of this device as an In-Network device, since there are no others made, EXCEPT CIGNA!

At no time did Cigna advise either my husband or his cardiologist that they considered this device as an Out of Network device, and until ZOLL themselves sent us a letter alerting us to this, and informing us that they were appealing this decision, we had no clue.

I made a complaint on the Consumer Affairs complaint forum, and lo and behold I get contacted through them the next day from someone at Cigna who said her name was **, and that she would like to help us with this matter. To make a long story short, she was a troll for the company whose job is to go through these boards and act like they are so concerned and want to help you. Well I bit, and sent her the information she said she needed, and she sent me back an email stating she got the info and was already at work researching the problem.

Three weeks later, after hearing nothing back, we receive the final bill for what we owe to ZOLL, with the Out of Network charges, meaning they turned down Zoll's appeal, and again no one told us. I emailed ** again, and this time I am told that she has no access to my husband's records, while remember that she told me she was researching our case and had all of the info, and that she had kicked it up to another department and had heard nothing back. So surprise, she had just put in another request on the day I just happened to get the bill and emailed her asking her what was going on.

My husband had reached his out of pocket cap for the year BEFORE the ZOLL bill went to Cigna, so we believe that this is an arbitrary decision on their part to charge it as an Out of Network claim, so they won't have to foot the bill for the entire claim, since my husband always uses In-Network providers and services, and has not reached the cap for his out of pocket expenses this year. I fired back an angry email to this **, which probably is not even her real name, and told her that this was a scam by her company, and that she had openly lied to me from day one, in order to stall, hoping that our time for an appeal would be up.

I filed a complaint with the Missouri Dept. of Insurance, as well as our own appeal to the APWU, which is the union for the USPS that my husband works for, because I am done dealing with this unscrupulous company. They are now going to have to explain to the state where they get off claiming this ZOLL Life Vest is an Out of Network claim, when it is the only device of its kind made in the world, and FDA approved for my husband's condition.

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Took Money From Our HSA, Didn't Pay Vendor, Won't Return Our Money
By -

In short (full details are below) Cigna debited our HSA account to pay claims in the total amount of $1566 in mid-February and March 1st of this year. They did not, however, pay those claims, and have admitted to this fact. It is now May 17th. The money has been gone from our HSA account for 2.5-3 months. Instead of simply crediting us the $1566 that they took so that we can pay our outstanding medical bills, they are 'investigating' what they did with the funds. They will give me no date by which our funds will be returned.

The nitty gritty details: My husband's employer began using Cigna as a health insurance provider in 2011. We also have an HSA for the first time this year. In mid-February I had 2 claims, one on 2-15, the other on 2-17. Our deductible had not yet been met so both of the claims were sent to our HSA account for automatic payment. At total of $1,566.07 was deducted from our HSA account for payment to the providers.

In early March I was told by one provider that they hadn't received payment and were trying to work with Cigna in order to verify an EFT payment. In late April I received a bill from the other provider showing no payment had been received by them either. I called Cigna on 4-27 and was told by ** that they were working with the first provider (I'll call them Provider A) to track down the payment. Provider A, I was told, was being connected with a Cigna online business site that would allow the provider to track down all necessary information themselves.

Re the payment to provider B, I was told that an EFT payment had been made and was transferred to Chase (who runs the HSA) for further information. Chase informed me that everything ** had just told me was incorrect and that once Cigna debits my HSA account Chase can no longer see what happened to the funds.

So I called Cigna back and talked to **. She supposedly put in a request to get information as to how payment was made to Vendor B. She said that she hoped to get a response that day, or the next day at the latest, and would call me the following day with news. ** did not call me back soon the afternoon of 4-28. I called Cigna and this time spoke with **. She could see ** inquiry but said it looked as if it went to the wrong department. She said that she would put in a new request for tracking and would call me back on Sunday or Monday. She did not call me back.

I called Cigna again on 5-1 and spoke with ** who sent me to ** who, before I could stop her, sent me to Chase where I was told the same thing I was told before--Chase can't help me once Cigna debits my account. SO, I called back to Cigna again and spoke with **. She said that she could not see a payment being made in her system and that 'we are waiting to hear from that department'. I was supremely frustrated at this point and asked for a supervisor.

I was given to a supervisor named **. He said that he would find out if funds were paid to vendor B. If not, the funds that were taken from my account would be credited. If a payment had been made he would get me the check clearing info. I thought finally, I'm getting somewhere. But I was wrong. When I spoke with ** again on 5-4 he said that he could not find any record of payment having been made to Vendor B. He said that he would update the service request so that the money would be credited back to my HSA. He said that he would have verification within 24-48 hours and would call me back by that Friday, May 6th.

** didn't call me on Friday the 6th or Monday the 9th. I left him a voice mail on the 10th and on the 11th. Late in the afternoon of the 11th I got a call from ** (apparently calling instead of **). She told me that the payment matter was still under investigation. Cigna did take the money from my HSA and did not pay the provider, but that Cigna couldn't figure out where the money went. 'When the mystery is solved we will credit your account.'

At this point I was fuming. I explained that I didn't care what Cigna had done with the money or that they needed to figure out the glitch in their system. They admitted to having withdrawn money from my account and having not paid the vendor. There is no reason for further delay, I said, pay me back! She was so sorry, she said, but they were 'working' on it and she couldn't give me a date by which I would be credited.

On 5-16 I touched base with Vendor A to see if their payment issue had been solved. Big surprise, it had not. they had gotten online with Cigna's Business Services site but all the information that they could see was 'payment was made on X date'. No payment details or an audit to show which account the payment went into. As the provider said, "Cigna has been less than helpful."

I tried to reach ** again and could not--only voice mail. So I called the main number and asked to speak to another supervisor. I was transferred to **. She listened to my story with a mixture of horror and disbelief. She kept saying, "that just doesn't sound right that we would have taken money out of your account, not paid the vendor and drug our feet in returning your money." She apologized for Cigna's behaviour and said that she would do some research, get things straightened out and call me the next morning.

5-17: ** didn't call me this morning. I called her and she returned my call. She said that she is working with the client service partner (my husband's employer?) and her financial services department. It is confirmed that no check went out to Vendor B yet, she cannot tell me when I will have my money back. I explained to her that, in my eyes, Cigna's actions translate to theft and said that if any banking institution took $1566.09 from my checking account and refused to return it I would have solid grounds for legal action--same here--and I'm considering it.

She said that she was working really hard to get this resolved...blah, blah, blah. I explained that I had gotten that same story from every person I have talked to over the previous 3 weeks and that as 'hard as everyone is working on it' nothing is being done. She said that she 'escalated' the matter to a higher level. I asked if she was the first person to 'escalate' the situation and she said yes.

If this is true, it's a clear sign of how terrible Cigna's customer service is. This should have been elevated to a high priority situation on 4-27 and should have been resolved within a couple of days. Instead, the issue was passed around and ignored. I'm not hopeful that dealing with ** will be any different. I told her that I read Cigna's Ethics Policy online and got a huge laugh about their dedication to 'fair treatment of customers' HA! I have never been treated so poorly by any company in my life. Frankly, never imagined that treatment like this was possible.

NOTE: I asked what was happening with the payment to Vendor A. She said the investigation is currently on hold until the matter with Vendor B is solved... assuming Vendor B issue is solved they will use the same template to solve problem with Vendor A. Again, ridiculous. As if everything at Cigna were being done by hand with pen and paper in a back room. If they can't work on issues simultaneously they are operating in the dark ages.

IMO, they are simply not in a hurry to refund my money because they don't have to be. And that's what makes me the most angry. We are financially well off, but I know that this kind of gross incompetence could wreck some families with big medical bills and shaky credit. Absolutely, totally and completely disgusted with Cigna.

The consequences of this clustered mess is that we have medical bills that are due, and in some instances past due that we will either need to pay for out of pocket (and therefore lose the advantage of paying with pre-tax dollars with funds from our HSA) or risk having damage done to our credit... all because Cigna has taken our money and refused to return it. If anyone out there in HR is considering using Cigna, I can say loudly and clearly RUN THE OTHER WAY if you value your employees, their time and their sanity.

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Watch Cigna Like A Hawk!
By -

CALIFORNIA -- I am retired, but my wife still works for the University of California, for health benefits. It's a good thing I'm retired, because since we switched from Blue Cross PPO to Cigna Open Access at the beginning of the year, keeping on top of them has become a full-time job.

We made the switch because, on its face, Cigna was a better deal than Blue Cross. The premiums were more than $100/month less and the maximum out-of-pocket expense was half of Blue Cross's. In addition, prescription drugs counted against the deductible, and co-insurance payments and once the deductible was met and the maximum co-insurance limit reached, Cigna paid for them 100 percent. Plus, the university sets aside $1,500/year, per household for medical expenses. You have to exhaust that amount before your deductible kicks in. If you don't spend it all, the remainder rolls over to the next year.

The final deciding factor for us was that Cigna seemed to cover all the doctors we were already seeing, including specialists I'd already been seeing at Stanford. And if necessary, we could have access to other specialists at UC San Francisco, another top teaching hospital in our region. For the most part, this plan has delivered as promised, but only with a lot of oversight on my part.

I have had a lot of experience with Cigna in the first year because, scarily a week into '08, I fell on ice and severely fractured my hip. This led to surgery, two weeks post-op hospitalization, one week of in-patient rehab, seven weeks of home confinement and then follow-up physical therapy (still continuing). The biggest problem with Cigna throughout this period has been numerous disputes over whether providers are "in-network".

All of the providers I've been seeing locally work for a single medical group which is under contract with Cigna. Yet Cigna initially ruled several of them as being out of network and paid accordingly (paying at 60 percent instead of 80 percent, and not counting the co-insurance toward our in-network, out-of-pocket cap). In one case, the doctor was considered out of network because Cigna had his physical address instead of his actual billing address (the medical groups).

In another case, they simply didn't have the doctor's name in their database. I was unable to straighten this out over the phone with Cigna's representatives and finally had to take Cigna's EOBs into the medical group's billing office, where I sat down with a real person who was ultimately able to resolve the issue. In a third case, Cigna said the physical therapist I was seeing was not in-network, even though she was employed at a facility operated by the same medical group. Once again, I had to personally go to the medical group's office to get this problem resolved. Once it was straightened out, however, it still wasn't fixed!

Despite the fact that Cigna paid three subsequent physical therapy bills correctly as in-network claims(and at 100 percent, our out-of-pocket cap having long since been met), they are at this writing still refusing to pay in full the first two -- resubmitted -- physical therapy bills, saying they'd already been paid. Well, yes, Cigna did pay them, but incorrectly, treating them as being out of network.

Yet in denying the resubmitted claims, they now showed the physical therapist provider as being in-network. It's enough to make one's head spin. I didn't even bother to call Cigna about this, knowing it would be a waste of time. I went back to the medical group billing office, handed them the EOBs and said, "They're at it again. Please take care of this."

Another issue I had with Cigna during this time was related to ambulance services. They don't seem to consider any ambulance companies, public or private, to be in their network. So they always treat the initial claims as out of network. I had to call them on each one, and I had several, to point out that these were emergency services; it wasn't like I could choose an ambulance company when I was lying in the street, etc., etc. They finally did pay the bills appropriately.

My bottom line conclusion: Cigna claims processing is incredibly sloppy and I think it's willful on their part. I believe they're betting that most subscribers will be too busy to pay close attention to their EOBs and will just pay whatever Cigna says they owe. That way Cigna gets out of paying what it owes, both to subscribers and providers. If you can make this plan work for you, it's good, but that will require an inordinate amount of work on your part. Subscriber beware!

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CIGNA Corporation Health Insurance Rating:
Star Empty star Empty star Empty star Empty star
1.2 out of 5, based on 12 ratings and
25 reviews & complaints.
Contact Information:
CIGNA Corporation
One Liberty Place
Philadelphia, PA 19192-1550
215-761-1000 (ph)
215-761-5515 (fax)
www.cigna.com
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