WILMINGTON, NORTH CAROLINA -- Our actual was on the phone with Cigna's precertification process for a ** pain medication that had been turned down at the pharmacy. He gave them the code for metastatic stage 4 brain cancer and then asked what the issue was - that was all the information they should need to certify the drug. After 45 minutes of speaking back and forth, Cigna failed to give my wife pain medication for STAGE 4 BRAIN CANCER. UNBELIEVABLE! If anyone is interested in joining a class action against Cigna, please let your voice be heard. Cigna is playing like they are the doctor and this is unacceptable. They are an administrative tool to process payments. Period.
Cigna is absolute garbage insurance. They deny and delay necessary procedures and treat their members terribly.
In short, I have a torn spinal disc on which I was supposed to have surgery about 2 months ago. Cigna denied my surgery, and my experience since then with Cigna in trying to resolve this has been utterly awful.
Cigna decided that my surgery was not medically necessary because I hadn't seen a psychiatrist, which is absurd. 2 MRI's and other diagnostic procedures clearly indicate a torn L5-S1 disc as the source of pain. The issue with my spine is quite obviously mechanical, and so the requirement to see a psychiatrist was a complete waste of my time and money, and kept me in pain needlessly. But I went ahead and saw the psychiatrist anyway, figuring it was the fastest way to get approval.
After Cigna lost the records my doctor sent over multiple times, I was finally able to get them to confirm they had what they needed. At this time, I was told they would reach a decision in 5 business days. After a week, I called to find my case was not even under review. Then, I was given a new promise of a decision within 72 hours. After that time elapsed, I was told that no decision had been made and they couldn't even tell me why. After several more calls and more conflicting answers, I'm now being told that I'll have to wait 30 days. No one at Cigna seems to have any clue what is going on with my case, and they just give me false or conflicting information.
Cigna "Customer Service" is a complete nightmare. They have given me false information over and over, and refuse to take any responsibility for it. I satisfied their requirements for this surgery over a month ago, and yet they continue to delay. They seem content to keep me in pain indefinitely, with an ever-changing story about when I'll get a resolution. Cigna simply does not care about their members at all, and they operate in bad faith using questionable denials and delays.
CALIFORNIA -- Ok everyone listen close. After my husband was denied for "any occupation" I got a copy of his administrative file. You must do this right away. Even if it's been awhile. Then I called the doctors that did his peer review. I found out in his file is a copy of exactly what Cigna had sent him to review. They had held out the most important papers that would have deemed him disabled for the entire time until age 65 (as they say when they sell the policy to you).
Now when I found this I called them back because this was my final denial and civil court was next. But when I reminded them that in 2013 there was 77 million dollars charged to them for holding out evidence they suddenly agreed to resend that record file back to the same doctor so he could see it all. And in between I let the doctor know that I didn't understand how he could make such a drastic decision without knowing everything. Must have got something going because he called Cigna and let them know I had been calling.
Anyway it takes hours of research and time because those files are about 1200 pages but I will give you my email and I will help anyone. My husband was a loyal employee for 21 years and has awards for 9 years straight with no days off. He paid for this and he is entitled to this. He has spinal stenosis from work and will need lots of care in the future.
PENNSYLVANIA -- Shame. Cigna - The C is for Cowardly. The I for Inhumanity, The G- for Gutless, The N- for Nonchalant, The A-for the Administrators. I would like to take a moment to say 'Thank you' to my insurance company (Cigna), they truly believe in their mission to serve the community by providing excellent healthcare and supportive services to their 'Financial pockets', excuse me, I mean to their clients in their time of need.
I was diagnosed with glaucoma, cataracts and a host of other eye diseases at the age of 19. After many years of battling the diseases, I lost the battle and had an enucleation of my left eye. Through all my trials and tribulations I went on to successfully serve the public (working) for past 30 years. I went back to graduate school and received my Masters degree and I had the privilege and honor to work in the community in the health department until I became unable to work in September 2015.
I begin to experience visual difficulties with my sole remaining eye. The ophthalmologist along with my primary care physician restricted all my driving privileges. My vision was measured at 20/400. My inability to drive severely impacted my professional career as a Social worker, my personal life and my personal freedoms. The inability to drive myself to the supermarket, work, or the doctor was life changing. It was life-changing and extremely depressing. Not to mention the psychological impacts and the fear of losing my sole remaining eye.
Instead of being able to seek the medical services that I need without worry, I have had to spend hours trying to gather information for Cigna from each and every doctor that I have seen during the last month. During the month of September, I applied for short-term disability through CIGNA. This has been an extremely humiliating experience. My time is filled with anxiety, depression and worry.
I have spent hours contacting the receptionist at the doctors office attempting to get them to give the form to the doctors to complete as they provide services to the hundreds of other patients on their caseload. A Cigna representative that I spoke to on Friday, October 16, 2015, advised me that she sent the request to the (Neuro-ophthalmologist) office three times. Commenting that they have failed to respond to their request. I question the need for the same form to be completed when the form was just filled out the previous week before by two doctors, a licensed ophthalmologist and my primary care physician.
It appears that if I see 20 doctors in one week the form must be completed by all 20 doctors. I pondered why is it that the medical records which contain all the information they need does not suffice. My desire is to concentrate solely on my healing and well-being not on whether or not my short-term disability will assist me in my time of need.
I have been examined by four physicians. The doctors are as follows: my primary care physician, two ophthalmologist and one Neruo-ophthalmologist. They are all attempting to determine what is the cause of my blindness. The condition has not changed or improved as the doctors case notes specify that information.
My last appointment was October 14, 2015, with the Neuro-ophthalmologist. I was referred for an MRI. My follow-up appointment is November 2, 2015. There has been no change in my vision and the MRI is the next step. The short-term disability department was provided information from my primary care physician and the ophthalmologist. Each of the four physicians have been required to submit their case notes which I have no problem obtaining. The issues have been the filling out of the disability claim form from each and every physician.
I would like to paint a picture for you. Close your eyes (that's my world, darkness) and imagine that after meeting a physician for the first time you walk through the door with a form for them to complete for disability. Charming approach at building a rapport in the doctor and patient relationship. I'm blind, I'm scared I don't know what's going on with me, but please complete this disability form so I'm not eating cat food and I can still pay my rent.
The information that Cigna is requesting for 'a diagnosis' is not available at this current time due to the circumstances and the need for further testing. I had my first appointment with the Neuro-ophthalmologist on October 14, 2015. They requested and forwarded the request to the Neuro-Ophthalmologist on October 1, 2015. I had not even had an opportunity to step foot into his office and they were requesting that he complete a disability form on the patient that he had not examined. They requested he complete the form two weeks before he even had the opportunity to examine me.
I would like to add this very important fact: this particular specialist is one of two in the area and he squeezed me in for this appointment because my previous doctor asked him to do this as a favor so I could avoid the six-month waiting list based on the fact that I am a single vision person who has had numerous eye disease in the past. The only thing that a patient can take from this type of behavior is that Cigna is trying to deny my short-term disability by inputting wedges and making it very user unfriendly for clients in their time of need.
Humanity, dignity words of encouragement, those are not the services that I have been provided by Cigna. Instead, I have been made to feel like the dribs of society and that I am begging for crumbs for my very existence. The amount per week of my premium should be $641.09 which amounts to 67% of my biweekly salary.
Today I have received two weeks pay at the rate of $641.00. The finally letter from Cigna date October 11, 2015, gracefully assuring me that there would be no future checks based on the lack of documentation. Thank you for the reality check. I'd like to end with the painful truth that I hope will help others who may find themselves in a similar situation after paying thousands of dollars for my insurance premium for over a decade. If I would have invested the money that I paid Cigna, I would have been investing in myself.
P.O. BOX 696018, TEXAS -- BEWARE SENIORS OR ELIGIBLE MEDICARE RECIPIENTS!!!! Check Medicare vs. Advantage replacement plans before you sign up!!! They will offer you "fluffs", 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 MAXIMUM. Then, ** 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. ** 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).
DURANGO, CO -- During my 14 years as customer with Cigna, I was denied coverage only 1 time worth $350, and I did not have problem with their decision taking into account. They steadily paid every single claim systematically, at sometimes I was surprised with their generous coverage. Overall, I was a happy customer. I am surprised for all bad review, I think people expects handout from a big corporation for free. You get based on the plan you choose. Cheers.
PENNSYLVANIA -- Having to interact what Cigna calls "customer service" is difficult, time-consuming and draining. And given their dishonest inefficiency, every claim has to be followed up manually. Avoid at all costs. Ask your employer to switch. And vote for whichever candidate will put these parasitical companies out of business.
11095 VIKING DR., SUITE 350, EDEN PRAIRIE, MINNESOTA -- I am dropping Cigna as soon as I can because its service has been appalling. I have been submitting claims since February 2010 and never once have I received the amount of reimbursement that I was promised (70% of Reasonable and Customary for an LCSW in 20912=105 out of 150); it was solely on the basis of that promise that I chose Cigna. I could not make up the nightmare this company has been. I have met every possible roadblock: one claim was denied based on my mistake of copying the diagnosis code incorrectly from my provider's itemized bill to my itemized bill—BOTH itemizations were included with the claim, however.
I have been repeatedly denied full reimbursement (70% of reasonable and customary for out of network) because initially my provider was in an affiliated network, without knowing that that was still active (or that that affiliation with Cigna even existed). He has since TWICE provided documentation that his association with that affiliated network was ended AS OF 1 March 2010, and still, as of this date, I am being told that Cigna has no record of this change having been made. I have had to call twice monthly and each time explain the entire situation because apparently no record is made of my calls.
I am convinced that Cigna is deliberately blocking my access to reimbursement, and thus to ongoing health care provision, in order to frustrate me out of pursuing my claim. I will not only not renew my policy with Cigna, but I will tell all my family and friends and everyone else I meet that Cigna is just a typical Insurance company whose SOLE concern is its own profit, and who is willing to sacrifice anyone's health and well-being to its bottom line. I will also continue advocating for socialized medicine and the abolition of all such companies as Cigna.
The only recourse the U.S. has to such abuses is to nationalize health care and place limits on the unprincipled actions of those who believe that capitalism is an ethical system entitling them to exploit and abuse those who have physical and mental illnesses.
MISSISSIPPI -- CIGNA sucks. I was put in the hospital from my regular physician due to excessive vomiting and nausea. After being in the hospital for a couple of days, my test results showed I had a hernia that was ulcerated and my liver was enlarged to the excessive side. (Example: normal liver enzymes should be 7-56, mine was 675!!!) I was seen by a gastro doctor who also said I had gastroparesis. (This is due to being a diabetic for over 30 years. The nerves in my stomach did not work anymore and did not push food through my body.) Because I had been on STD before, I knew I needed to have paperwork completed and sent to CIGNA.
The gastro doctor saw me in his office and signed my paperwork to be out due to the conditions from being in the hospital. However CIGNA stopped paying my STD after a week and a half. When I called and spoke to my case manager, if that's what you would call them, because I am also a case manager, he simply told me they were waiting on paperwork. I told him I have paperwork if he would like me to send and he said it could. It wasn't until a month later. Yes a month later that he stated to me after several calls that the paperwork I sent him was just a summary. WHAT??? it was their paperwork.
To make a long story short, I ended up being denied my STD even though I have paperwork from 2 doctors putting me out of work and stating that I could not return to work. I am totally disgusted with this company. They did everything they could to contradict what the doctors were telling me to do and lied to me regarding PAPERWORK they said they never received. Our health system has gone out the window and this company from what I understand has been in several class action lawsuits. Maybe it's time they were in another one.