I am a current recipient of disability benefits from Cigna. I received a call today from my representative at Cigna informing me of a policy change. I was supposedly to have received prior notification of said change -- but, of course, did not. My case is under review -- I had Cancer surgery 2 years ago and currently am being treated by a pain management specialist for chronic visceral abdominal pain syndrome. I also have systemic lupus erythematosus, and recurrent bladder cancer. I have one kidney and have had 5 other cancer-related surgeries (three abdominal, one testicular, and one for parathyroid cancer).
I am on so much pain medication that I can barely type this message and have severe short term memory loss. Yet I am under review again. Social Security still carries me a permanently disabled and I receive a 20% service connected disability payment for service in Vietnam. I am well educated and have worked in government scientific research since 1974. Again, Cigna gave no prior notice of a review nor was information regarding the nature of the policy change forwarded. I still don't know what exactly that change is - but I would guess they are divorcing themselves of Social Security determinations.
We have lost over half of our 401K and I cannot interest any reputable company in refinancing our VA loan -despite the low interest rates and the streamline procedure mandated by the VA. By the way my combined credit score is 787. Now I am to lose my only other source of income - due to a "policy change". I have had one physician refuse to treat me because according to him I am so ill that I belong in a tertiary (hospital) treatment setting. What are we to do? I just returned from a grocery store that cheated me out of $10.00 worth of their own coupons -- due to "system failure".
What recourse do we have - is America finished?? Beware -- those who served their country -- it will probably dance on your grave after starving you to death when you are physically unable to work -- by the way I was exposed to Agent Orange - and what has been done about that - a lot of verbiage and still no support for veterans who are now dying by the score due to cancer and other premature illnesses.
PORTLAND, OREGON -- I got Cigna through my husband's work. This is the first time I have Cigna. The coverage said that they cover acupuncture. Since my cancer treatment, I had many pains on my body. I had tried physical therapy many times, but it doesn't seem to work. Since my Cigna insurance cover acupuncture, I decided to try it with my doctor permission. I picked an acupuncture doctor through the network, cause I don't want to have any problem on denial of my treatments. After a few treatments, I felt better. My neck was able to move better and shoulder not so tight. My back pain was almost gone. I felt so much better emotionally and physically.
Then, my acupuncture doctor told me that Cigna was not paying him. When I called, they told me, they denied the coverage, cause I didn't call them for permission to go see an acupuncture. In my entire life, I have never experienced this before. If my insurance coverage said they will cover acupuncture with my family doctor's permission, then, this should be covered. I even picked a doctor under their network, hopefully this way will have no problem, but Cigna, just finds ways to not pay their coverages. What kind of insurance company is this?
My husband paid for our insurance coverage every month through his paycheck, so we won't have to worry about paying so much when we need to go see a doctor. Cigna has fail to do that for their clients. Because Cigna had rejected to pay for my acupuncture bills, now I had to stop my treatments. My neck, shoulder and back pain have come back.
Due to this experience, we will not buy Cigna again next year. I will encourage whoever out there trying to look for a health insurance coverage, make sure you do not pick Cigna Corporation. You do not want to deal this kind of situation like me. P.S. I will research this kind of practice about Cigna. I believe, this kind of company practice is totally wrong. Maybe a big cost of lawsuit will get them understand the basic moral of human nature.
HOUSTON, TEXAS -- My first experience with Cigna has thus far created three problems. Upon receiving 5 prescriptions from my doctor they first canceled the order because they "could not reach my doctor for verification". I was not notified by them and continued to wait for my prescriptions in the mail. It was only when I looked on-line that I found out that the order was canceled. When I called them they said were unable to reach my doctor and get approval. I told them to try again and they called back to tell me they had received approval.
After waiting another 2 weeks for my mail order prescriptions I checked on-line again. Only the cancellation was shown. When I called them they said they could not fill one of the prescriptions because my illness (CFS) was not among those listed for this medicine. The medicine is an antiviral drug, and what I have is a virus, but Tel-drug determined it was therefore an experimental drug and "they do not cover experimental drugs". This drug has been around for about 100 years and I have been taking it for 20 years. I don't know of ANY medication specifically for CFS.
The written notification said that they would not fill that prescription because they were "unable to obtain authorization to fill my prescription". However, it was not my doctor who refused authorization, it was a pharmacist at Tel-drug. I asked if it was common practice for them to cancel all of a person's prescriptions because one could not be filled. The Tel-Drug representative had no answer. After five phone calls four of the five medications were delivered.
During this pharmaceutical hell, they had asked for how I would pay for the drugs. I gave them credit card information and my statement showed the payment to Tel-Drug on August 11. I then received a statement from Tel-drug dated September 3 showing the amount as unpaid. When I called today and told them the charge had been made nearly a month earlier on my credit card, they said they had no record of receiving payment and I need to mail the credit card statement to them. So thanks to I do not have my main medicine and they do not show payment for the others so grudgingly filled.
TEXAS -- In June 2009 a Bariatric Surgeon's office staff, on my behalf, called Cigna customer service to find out if Bariatric Surgery was a covered benefit. The representative verified coverage, stating that Cigna would cover Gastric Bypass or Lapband, but not Gastric sleeve. She told the office lady that I had to wait six months, and in that time I had to complete several steps, which included attending a monthly information "class" on diet, nutrition, behavior modification and exercise. I had to have a psychiatric evaluation done. An EDG(?), upper GI was done as well as a sleep study where it was determined that I had Sleep Apnea and needed to sleep with a CPAP machine.
All of the claims for all of these tests and procedures were paid by Cigna. That have spent over $7000 and my copays amount to over $500. I completed every requirement, jumped through every hoop. Last week I received a call from the doctor's office representative. She stated that she had called Cigna to submit all of my information in order to get the final approval and pre-certification and was told that my plan did not now nor had they ever covered any bariatric treatment. They showed record of the call in June, but it did not state one way or the other whether their representative verified coverage or not.
The new representative "apologize" for the error and said she did not know why the previous rep would have verified coverage... so I am out all of my copays and Cigna has spent all of that money for me to have a procedure that they will not pay for. Why would they pay a Bariatric Surgeon for classes on weight loss etc if they do not cover any type of weight loss treatment? Why would they pay claims for tests ordered, not by my primary physician, but by a Bariatric Surgeon?
Anyone have any experience with this sort of thing? Any advice? Would it be worth talking to an attorney? Any way to force their hand? Can I request that they listen to the tapes of that original call to see that the representative verified coverage (in case it is the doctor's office mistake, which I doubt, because Cigna did pay the claims)? Any help is appreciated!
ALTON, NEW HAMPSHIRE -- I'm a former employee of Cigna HealthCare and I wanted to write a review to inform everyone of how horrendous this company actually is. First of all I want to start with Customer service. The employees that take your calls only receive one week of training, ONE WEEK! They are forced to answer the calls as quickly as possible. They are told to say whatever they have to to get you off the phone and take the next call. When they inform you that they will "get back to" its crap. You will never receive a callback. They are not even given the time to research the problem to get an answer for you.
Our billing department has about a 30 day backup-meaning you send in your payment and it doesn't post for another 25 days since you mailed it, then you're in danger of being termed for non-pay, chances are it is our fault. When you are told that we have a "5 business day turn-around" that's also a crock. Have the time that you fax, or send in something, it will be lost.
If there is a piece of information missing from the form you send in, someone will shred it so they don't have to follow up with you. Most of the employees will do whatever they can to get out of doing work. It's truly the most repulsive company out there and I feel really sorry for any of you who carry them as your provider.
PHOENIX, ARIZONA -- Forced to stay in hospital now insurance won't pay!
In the early morning of March 12th of 2005 I tried to take my own life. In a drunken hopelessness I took as many of my newly refilled prescriptions of Welbutrin, Stattera, and Zoloft as I could fit into my stomach. I started to get sick and not wanting to lay there in now physical pain too, I called 911.
I was admitted to the hospital and not long after the pills that I took started making me have seizures. The combination of those pills and the alcohol gave the doctors the impression that I might be permanently brain damaged after reviewing the CAT scans.
I don't remember anything although I was conscious and verbally communicating until the following Thursday, nearly a full week. I would remain in the hospital until Saturday waiting to get admitted into a behavior health facility to stabilize me mentally. During my hospital stay I was tied down to help protect myself from the seizures until those subsided and had 24 hour surveillance by a sitter. I was not allowed to leave my hospital room until they found a behavioral health facility to have a bed available. This took two days.
After spending four days in Banner Behavioral Health I was released. I completed the intense outpatient program and have not touched alcohol since.
Not long ago I received a bill from the hospital for $5,360. This amount is for the two days I spent waiting to find a behavior health facility to accept me. The hospital appealed both the Cigna Medical and Cigna Behavioral to have them pay the balance. Neither will accept responsibility stating it was not medically necessary or that I was not receiving mental health care at the time.
The hospital states that this does happen from time-to-time and usually the patient ends up paying. This is not right. I have insurance. I was not allowed to leave even if I wanted to. Now I have to pay!
I did put myself into the hospital, but I did everything that I was supposed to do since and have never touched alcohol again. I am fighting this because I don't think it is right that I have to pay when I am insured and when I needed to use it the most.
I need help. I need advice. I need to get through to these insurance companies that this is not right.
LOS ANGELES, CALIFORNIA -- I have now been a member of Cigna for a few months and have found out that the sales representative lied to me about 2 different items. I signed up for a health and dental plan. The sales representative told me that I would pay 15$ for generic prescriptions and 30$ for name brand. The reality is that generics were in fact low priced but the name brands would cost me full price and Cigna won't cover any of it. That's a pretty big lie in my book.
Then I found out yesterday that having dental insurance doesn't mean squat. I had a filling pop out and could not eat or drink anything because of the pain. I made an emergency appointment with my dentist only to find out that Cigna doesn't cover emergencies until after 6 months or 12 months. In my mind I have insurance exactly for the reason of emergencies. Again, this is where the sales representative lied to me. I fully understand not covering elective procedures but to not cover emergency procedures, that is absurd. This is a huge lie by the sales representative.
I then called customer service to try to deal with the dental situation and was given the run around and told that the only way I could attempt to get Cigna to cover the procedure was to write an appeal. So let me get this straight, your company lies to me, sells me a bag of goods, and then tells me it's my problem and my responsibility to fix? Does this sound like a scam to anyone else? I will be cancelling my policy with Cigna and finding a company that is honest, knows what customer service actually is, and actually provides the services that you pay for.
MARIETTA, GEORGIA -- Cigna denied my sinus infection antibiotic treatment prescribed by my ENT, and this medication has been compounded and used by me for years prior to Cigna coverage. I have increasing kidney failure probably from multiple antibiotics from constant sinus infections caused by Common Variable Immunodeficiency Disease. My kidneys and immunodeficiency will not get better but sometimes am prescribed nasal infusions to put most of the medicine where the problem is and help spare my kidneys.
This is an acute condition yet they denied it based on diagnosis and "safety". They are denying medication prescribed by my doctor because they think he practices unsafe medicine or does not know the best prescription for my particular problem?
L.A., CALIFORNIA -- I was still declined with imaging center and my family doctor presenting all supporting doc. Unfair 'cause I would pay big portion, probably the whole amount, to satisfy my deductible. Dummy dahhhh. They gave several reasons which showing none of reason holding water, "multiple choices" - too many sayings.
No previous treatment for cough, pain in chest - I said there was pain both my chest on and off more than 1 yr, which I don't like to take pain pill of much side effects. X-ray was clear, no need for CT scan. CT scan and X-ray are both diagnostic test, CT may see detail tissue for tumor. If X-ray showed positive, I would be terminally ill to die. Purpose of CT scan is to detect tumor early to prolong life. Idiot!! Family doctor prescribed CT scan. I don't think doctor would lie for me to risk his license - bread and butter.
Recently by error a bank payment of $1908 was transmitted to CIGNA for a monthly payment on a life insurance policy. The amount due was $19.08. Soon as the error was discovered their customer service was contacted and said that they could not send it back. Even the bank representative could not get them to send it back to correct. I ask for a supervisor and was told there was none available. I ask for one to call me.
Hours later I received a call and was told they could not return the amount. They said they could send me a form to fill out and request that it be returned and they would review and let me know what could be done. I said not acceptable. I owe them no money and they are holding nearly $2,000 of my money. They have had it for a week and if I waited for a form and followed their suggestion it could be weeks if ever before that money could be returned. Until and unless this $2000 is returned my home budget is in the red that amount.
I have no idea what they plan to do with the money but they won't return it. Now I must pay a lawyer to sue for me to try to get some of it back. With their unethical business procedure I question how reliable their product is. Shame on CIGNA.