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.
I have catastrophic tinnitus and have been unable to work for the past four years. I have diagnoses from my EMT, GP, neurologist, audiologist, acupuncturist and others. All are in agreement that I am not fit to work. Cigna has rejected my claim and then ultimately approved it after a nine month battle for my last two appeals.
Once an independent medical review team is called in, which takes 6 to 9 months, my case has been approved. Then Cigna in as little as three months can review the case and again decline coverage. Each time I spend thousands in legal bills to challenge the denial. Given the catastrophic nature of the condition and the exhaustive paperwork filed, Cigna ultimately has paid. Their behavior is driven by cost savings and excluding clients such as myself who are disabled. My only advice in dealing with CIGNA is hire yourself a lawyer immediately even before you filing your first claim. Expect that they search for anyway to keep from paying, including perhaps waiting for you to die. This company should be shut down. It's practices are egregious and injurious to those who have paid for disability and receive little but grief in return.
If you have any choice in your disability insurance company, do NOT choose Cigna. The mafia probably offers better coverage. My case has just been denied for the third time. If I could sue these b.....s into bankruptcy I would be happy to do so. They deserve no less.
I was recently employed with this company and was also a customer. As soon as they found out I had been diagnosed with and was in active treatment for PTSD, they engaged in such severe discrimination that I was eventually forced out of the company. I have been asked why I don't sue. I know the EEOC is an option, and though I am going to the EEOC, this company has almost unlimited resources and I double the EEOC will pose much of a problem for them. They also have mandatory binding arbitration which one must agree to as a condition of employment. Long story short, they can freely engage in discrimination and get away with it.
BLOOMFIELD, CONNECTICUT -- For the last 3 months I have been battling this horrible company to approve my short term disability claim. I was taken out of work by my Dr. due to a back injury that is chronic in nature. I also am diagnosed with depression which can be very severe in episodes and very debilitating. On 8/21/13 I took this leave and since returned to work on 10/21 because my claims were denied. I had no other choice... go back to work or lose my home despite the circumstances. I was shuffled from person to person at Cigna and all they basically did was bury me in paperwork and never once did they actually speak to my Dr.
I appealed the decision only to find out today it had been denied as well. The company's motto is: "To help the people we serve improve their health, well-being and security." This couldn't be any further from the truth. I would advise anyone looking into this company for insurance to RUN away as fast as you can. Statistically speaking, Cigna denies 1/3 of their claims and seems to be more concerned about their bottom line than the individual. I filed a complaint with the Washington State Insurance Commissioner with the hopes of at least sending this organization a message.
For as much as we all pay for insurance in this country, it would be nice to know you can count on it when you need it. I'm just utterly disgusted by the way Cigna has treated me and others. I hope this company gets a big wake up call and finally realizes that it can't go on treating people like this.
EAST SYRACUSE, NEW YORK -- I am a survivor of labor law discrimination retaliation & personal permanent injuries resulted from the retaliation including property damage, death threats & vicious acts of hate, resulted from my NY State Workers Compensation Board Cases WCB69709892 OGC 08-230 traveling with WCB69711246.
Cigna was the administrator for my husband's employee elected benefits for medical for him & me, Cigna HMO breached the medical contract/denied medical & removed our PCP physician from the contract & added a physician they had the conflict of interest with to deny medical care. After I was assaulted in June 1999 Cigna contacted the PCP requesting the assault go under NY State Workers Comp. Case WCB69709892, the PCP was concerned & wrote it in my medical record. Their Legal Dept in the State of Connecticut have the record on it.
L.A., CALIFORNIA -- I was still declined with imaging center and my family dr. 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.
1. 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 dr. prescribed ct scan.
I don't think dr. 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.
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!
KANSAS CITY, MISSOURI -- I am so glad I found this site! I am ready to spit nails I am so mad at this insurance company!! I do not claim to fully understand insurance companies, and rarely go to the doctor, but never have I had such a poor experience with an insurance company!
This week, I made an appointment to see a doctor for an outpatient procedure/diagnosis at a local hospital. I went to the first appointment and everything was fine, scheduled to return the following day for medications and treatment options. Well, I return the next day and the financial office representative comes to speak with me on payment options!! I explain to her that I have insurance through my husband's place of work, and his employer pays a percentage of the deductible before it ever reaches the insurance. Well, the representative looks into it, and can't find any such info, so I am stuck paying 1450.00 out-of-pocket, when I am supposed to be INSURED!!!
My husband was told and he is trying to make sense of it through his employer, and told me not to worry. I then go to fill my prescription, and am told that they need the Dr.'s authorization to use the generic form instead of the name brand. It was only for a 30 day supply, and nowhere on our info does it mandate that we MUST have the generic, or nothing at all!! Needless to say, a medicine I was supposed to begin today, can't be picked until maybe next Tuesday at the EARLIEST!!! I am soooo upset!! This company is a JOKE!!!
I and my doctor's office called CIGNA and CIGNA Telepharmacy over a period of two days and were told the following by various associates: 1) My daughter had not been covered for prescriptions since August 2009; 2) My daughter was covered for prescriptions and still is, but the injectable medication is not considered a prescription (although you need a prescription to get it); 3) The injectable medication could be covered under "Medical" but only if purchased through CIGNA TelePharmacy.
4) The injectable medication would have a co-pay of $20.00 through CIGNA TelePharmacy as for a prescription even though the terms of the policy indicate it is not a prescription. No deductible would apply; 5) The injectable medication would be covered under "Medical" and the associate did not know if a deductible would apply or if copay would apply.
6) Last answer - If the injectable medication is delivered to my home by CIGNA TelePharmacy there is no coverage under CIGNA. However, if the injectable medication is delivered to the doctor's office, then the doctor's office could bill CIGNA and the deductible would be waived. Who knows what the truth is, except my daughter does have prescription coverage, for all the good it does her in this situation!