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!
PHILADELPHIA, PENNSYLVANIA -- I was at one time a participant in a CIGNA HMO, and the experience was a nightmare. I was referred by my family physician for surgery, and the procedure was approved by the CIGNA office in my area. I took three days off from my job, hired a driver/companion, since I was having anesthesia, and booked two hotel rooms at the hospital three hours away. I arrived at the surgical suite at 6:00am, since I was first on the schedule, and the attendant informed me that CIGNA had cancelled my operation, because they had "made an error" in authorizing it. I then guaranteed personal payment, and I was added to the end of the day's schedule, which caused a 9-hour wait.
Upon my return home, I filed a complaint and a lawsuit, and settled, but it was insufficient compensation for the stress and interference that CIGNA employees delivered. From that point, I paid all of my medical expenses out of pocket, until an enrollment period when I could change to another company. I was afraid CIGNA would continue to make errors and cause problems. Interestingly, I never received an explanation or apology.
I always recommend to colleagues that they stay as far away from this company as possible, unless it's the only thing available. If that is the case, I advise them to prepare for confrontation, to record all conversations, and to keep records of names, phone numbers, and all correspondence. Most have thanked me later.
Ever since my husband's company changed their insurance healthcare plan to Cigna, it has been nothing more than problems with this healthcare insurance company. I am forever calling our Health Advocate for help paying the claims. This is always after several times of talking to Cigna's customer service reps. This is not an HMO Plan but their Open Access Plus Plan where the company pays $1500 monthly for this insurance. One would think, $1500 a month would give you some decent service. Not the case with Cigna.
I will be pushing to have the company change insurances at the next renewal and hopefully Healthcare reform will do something about companies like Cigna who seem to care about nothing more than their bottom line. We were happy with Great-West Healthcare, our prior insurance company now acquired by Cigna. I understand now how this was feasible. What a shame for our healthcare services in America today!
For 2 years I have been receiving my birth control pill ortho-tri-cyclen lo through home delivery service. I recently had refilled my order and I was sent the generic drug (Tri-Lo-Sprintec) versus the brand name Ortho-Tri-cyclen lo. As you must know, I was very upset because that is not what I wanted. In the meantime, I wanted to go get the prescription refilled at my local pharmacy until I straightened out the matter with the pharmacy delivery service and my doctor's office.
I was told that the brand medication is no longer available to be through refills by a local pharmacy, the only way I can receive the medication is through the home delivery service. I think it is ** that patients do not have the option to be informed ahead of time that their prescription will automatically be sent as a generic when a generic version becomes available!!! Cigna is ridiculous and I hate this insurance!!!
How do they have they say so to tell you where and where you cannot get your prescription refilled. Prior to even starting the home delivery service, I used to get the ortho-tri-cyclen-lo refilled at my local pharmacy and now 2 years later that option is no longer available? Cigna sucks and I am also going to write a complaint about the home delivery pharmacy as well!!!
VISALIA, CALIFORNIA -- I just wanted to vent about the way employees are treated in this company. After I was approved and even received correspondence from the company for short term disability due to my pregnancy. The Dr. wanted to take me out early due to severe stress and the fact that my manager would threaten to write me up if I used the bathroom more than twice a day. After I came back from maternity leave I received an email letting me know that my maternity leave was now denied and I owe them over $2000 and it will be taken out of my paycheck. I called and let them know I will be seeking legal advice because that isn't right.
About a couple months later my newborn son was sick. So sick I could not take him to daycare. I remembered I saw that I had sick time leftover so I decided to take it. The next day I returned I worked half a day and my manager called me into a room and said it was Cigna's new policy to terminate any employee who takes any unplanned time in January. I never signed anything or was even verbally warned about this ahead of time.
I did notice in the same month a supervisor's son had taken unplanned time but was never terminated. However being terminated was the best thing that could happen seeing as how our health benefits were horrible and we have not gotten a raise in almost two years.
I paid group disability premiums for 25 years. I was disabled from working in Jan 2006. Only after writing government officials & filing an insurance dept complaint did Cigna agree to pay. Then after approximately a year of payment Cigna suddenly (without informing me in advance) writes me. I am no longer disabled and can return to my regular occupation. This letter came AFTER the check did not show. My physicians support that nothing has changed and I continue to be disabled. This is what Cigna did:
1) They sent my file to two of their doctors for review (of course they wrote "deny" as Cigna pays them to do).
2) They sent the file to their in-house Nurse who wrote "deny" as Cigna pays her to do.
3) Put surveillance on me two time which reflected I was not active and info actually supported my case. Sent me to a Functional Capacity Exam which supported I was disabled.
4) FINALLY they found a doctor to perform an IME who agreed I was not disabled and was paid $2,000 for a 30 minute exam.
I am appealing the decision but you need to know that Cigna will do everything it can to disclaim benefits you may have paid throughout your career. The federal government really needs to come down on disability companies and enforce major changes to protect the consumer.
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.
Our family has been using CIGNA health insurance for the past 8 years and have nothing but compliments on their service, prompt payments, etc. However, their related company CIGNA Tel-Drug is HORRIBLE. My twin boys were scheduled to have a specialty drug injected once a month during the first flu season of their lives.
One night, after never receiving a bill, they called at 9:00 pm indicating that I needed to pay $997 over the phone to process the next month's dosage that needed to ship next day. I went ahead and gave them credit card while I filed the secondary insurance to expedite the process. When my credit card statement came, they had charged me $1440 and had no explanation for the change in authorization amounts.
In addition, I had manufacturer coupons up to $500 a month that I wished to use. The associate told me that I would need to speak to a supervisor to use, but I was transferred to no avail to the supervisor's voicemail. I have left 4 messages in the last three months for a supervisor or manager to return my call regarding the change in authorization amount and my coupon cards, but still have not heard back. Thus, we have continued to pay the copay without the reduction of $500 each month for twins, $5,000. Today was the newest issue. They did not ship our monthly drug that has to be administered within a five-day window.
This company is a joke with horrible customer service. The only reason why they are still in business is because you have to use them through CIGNA in most cases or for a reduced rate. CIGNA has been great, they should lose this loser subsidiary and go with Walgreens!
I couldn't believe it when my niece called me today crying because CIGNA won't pay for her son's Epilepsy medication. She can't afford the medication for her 11 year old son called Trilept. I can't believe a large company like CIGNA thinks it's o.k. for a child to have seizures while sitting in class or in the middle of the night banging his head on the floor. Since she has insurance she can't get any help paying for the medication because if you have insurance drug companies won't give him the Trilept or discount the price.
My niece is afraid to take him to see his grandfather who's dying from cancer because she doesn't want him to see Erik have a seizure. I could understand if they denied an old person like myself that's already lived a long life, but I don't understand how they could do this to an 11 year old that also has Asperger.