CIGNA Corporation Health Insurance Consumer Reviews - Page 3

ALBANY, NEW YORK -- I pay a lot of money into my policy with Cigna. The point of insurance companies is that they negotiate rates. Co-pays are to a) help cover expenses; b) discourage over-usage of doctors. I have never gone for any doctor visit that I didn't then get a bill for something from Cigna. Lab fees, or we negotiated and paid this amount and this is what you owe? What? No, I paid 3,000.00 for my insurance last year. +25.00/30.00 co-pays, and you want to come back and charge me more. How do they get away with it? Where is my voice? How much did their CEO, CFO, VP's get paid? It's crazy and I'm mad as hell!!!

DALLAS, TEXAS -- I was diagnosed last year with a hole in my heart. I have three doctors that have indicated that this procedure is medically necessary to my survival. My doctor has spoken to the medical director, wrote letters outlining why this procedure is medically necessary and sent all the required documentation to support that the procedure is medically needed.

Every time I tried to get an update on the status on my claim I receive a different reason for its denial. One time it is there is not enough documentation to support that it is medically necessary. Next time I am told that this procedure is not FDA approved and considered experimental. I found out a week ago that CIGNA approved the same procedure for another CIGNA patient.

My doctor recommended an MRI for serious neck pain, he is located in NJ & I live in PA. The usual company he uses, American Imaging, approved the MRI at the local hospital. I wanted to do it closer to home but when the doctor's office called for an approval, they were told that another outfit, Med Solutions approves for PA and since I live there they would have to go through them. Less than 24 hours later, Med Solutions disapproved the MRI as "not medically necessary".

I have to ask why one company would approve this and the other deny it? Why does an insurance company use multiple companies to do this? I have to guess that Cigna chooses these per who will deny the most in the particular state. I guess I will have to type up yet another Cigna appeal for this.

OAK RIDGE, TENNESSEE -- I just read an article in the LA Times in which Cigna denied a liver transplant to a teenage girl who ultimately died because of it. In the article Cigna boasts of 90% approval for organ transplants. So it's supposed to be OK to kill 1 in 10 people? All I can say is that they had better pray I don't get selected as a juror in the upcoming lawsuit, and I'll be writing a letter of petition to my company to switch providers.

GAINESVILLE, GEORGIA -- Be very careful with Cigna Health Insurance. They pay for medical services and two years after the billing they ask money returned to the hospital, and the hospital bill reaches the consumer asking for payment because the insurance has asked Cigna money back. The person tries to fix the problem with the insurance and they laugh at you and end the person is paying. They are real thieves.

I have had Cigna group insurance with the IEEE for over 15 years. In December 2006, CIGNA determined that all members plus their dependents will be forced out of the group when the member turns 65, without regard to the age or health of the dependents. My 63 year wife will be forced out of insurance and into the state high-risk pool. No delay time, no COBRA, just out. The risk pool is high cost, high deductible, and low coverage and will not cover her bipolar condition. An IEEE member for over 38 years.