CIGNA Corporation Complaint - Cigna Medicare Access (PFFS) 2010
P.O. BOX 696018, TEXAS -- BEWARE!!! SENIORS OR ELIGIBLE MEDICARE RECIEPIENTS!!!! CHECK MEDICARE VS. ADVANTAGE, REPLACEMENT PLANS BEFORE YOU SIGN UP!!! THEY WILL OFFER YOU "FLUFF’S," AND YOU WILL PAY MORE OUT OF POCKET THAN ORIGINAL MEDICARE!!! Cigna's Medicare Access Plan (PFFS) 2010 does not pay for some medications that have to be administered by a physician in their office. Cigna states that the medication (medical Botox) has to go through their Part B; they gave me the run-around. I have been told more than 4++ (I lost count) different excuses from Cigna. Here is their latest "Mumbo Jumble" that was stated by a company representative (SUPERVISOR) in Arizona: "Yes, we do cover the ADMINISTRATION of medically necessary medications MEDICARE PART B-but, you must meet your $3,000 deductible; any and all the co-payments that you have made throughout the year do not count." I reminded that their contract stated that an individual on their plan is only responsible for a $20.00 co-payment for a specialist MAXIUM. Then, "Marge" stated that Part B was separate from a regular office visit for the administration of the drug. CIGNA insisted that I had to get this drug from their pharmacy (covered under "Argis-I am guessing their preferred drug company ‘Medco’ uses this pharmacy.”) First, Cigna's Part D called and told me I would have to pay $241.00 out of pocket. Then, they called back and stated that the cost would be $999.60 out of pocket. Again, Cigna called and stated that the drug would cost $940.00 out of pocket. "Marge" called and stated that she could get the drug for $760.00, but....I still did not meet my $3,000 out of pocket for the neurologist, so, I would have to pay for the drug and an out-of-pocket expense for the doctor to administer it (they told the Botox Assistance Programs that they were going to pay for it). I called Medicare; they told me that if I had regular Medicare after I met Part B deductible, that my cost would only be 20%. Medicare stated that these replacement, access, etc. could make up their own rules without government regulations. Now, I had to reschedule my appointment for December 21st, 2010 until after the January 1st+++, 2011, when regular Medicare kicks in. I am in so much pain that it is difficult lying in bed to type this. My neck, face, jaw, and eyelids are in painful spasms. I have had surgeries, pain management without any relief. I am a disabled RN due to a patient assault. I thought Cigna was a good company; I should have googled them instead of trusting them prior to signing up with them (I was ill when I signed up with them, and I was not thinking properly due to serotonin toxicity). As a nurse (although disabled), I believe it is my duty to warn our senior population and disabled individuals, so that they do not end up paying more out of pocket expenses that regular Medicare. (Please note: I paid CIGNA $95.00 monthly + Medicare Part B premiums + co-payments; this equals-MORE than REGULAR MEDICARE.