Cigna is the oldest stock insurance company of the United States, whose roots can be traced back to the year1792. It can be related to the founding of the Insurance Company of Northern America. We provide our customers many services and employee benefits, along with other expertise, that helps in the improvement and productivity of the employees. This company has a comprehensive portfolio of different services that includes pharmacy, behavioral, dental disability and life. We are the leading provider of health care and other related benefits that helps to keep the work force quite healthy and productive. We have a wide range of benefits, that includes flexibility of the users future planning and growth, and also the support and choice of the customers. The stock of the company is traded in three stock exchanges in the New York Stock Exchange, Philadelphia Stock Exchange and Pacific Stock Exchange. It provides the public with accurate information and also timely assistance. There are many times when the media is also invited to browse through our newsroom in order to get more information about CIGNA. There are wide range of employers, who are able to create integrated benefit solutions.
More About CIGNA
There is a consolidated Shareholders equity of $ 5.4 billion and also assets of $ 44.9 billion as on the year ended December 31, 2005 and revenues worth $ 16.7 billion. Today the company is said to be the largest investor owned health care, and also related benefits, that are offered through the workplace, that includes health care products and also group liability for life and also accident insurance. Most of the health care operations are insured and at the same time self funded, in order to support the consumerism and also the health advocacy solutions. There are different kinds of health care operations that range from some of the largest United States Corporations, to the other small enterprises that include employers, and also multiple employers. We are also providing modular benefits for all its clients that include medical management, disease management and other health advocacy charges, for multiple health care vendors. There is a consistent set of services that are made to address the clinical and administrative inconsistencies that are quite inherit ant in the vendor approach.
Cigna has also been providing many kinds of dental health products that include the managed care, and other indemnity services. These dental products can be purchased, and can also be integrated with other products of CIGNA. These customers are provided with 24 hours assistance, through a very secure site that is known as myCIGNA.com.Some of these dental care products are available in the 36 states and also in the State of Columbia. Most of the dentists who are associated with this network, will be receiving a monthly-predetermined fee for the services rendered. The members are responsible for a fixed payment. The other services that are provided by us, include the following:
- Behavioral health care benefits, along with health care management
- There are drug coverage plans, both on stand alone basis, as well as in conjunction with the different medical products.
- There are offers mail order, telephone and online fulfillment services.
- There are a number of sales representatives, who sell medical cost containment and also manage health care services that are related to insurance companies.
- They are known to be marketing short term and long term insurance products, in all the states.
- They are known to be marketing the short term and long term products and services of many of their subsidiary companies.
- There are also special kinds of insurance benefits that are related mostly, life accident and disability insurance. These insurances are made to many schools and financial institutions.
Complete Constant Frustration
the amount of time and effort I have had to spend to get 2 simple preventative “100% covered” procedures paid for has been beyond ridiculous! Multiple phone calls to Cigna, the doctor, the lab, the radiologist and everyone else involved have been exceptionally frustrating. And I’m still not done---I have to contact someone else AGAIN!! I have no control over who the doctor chooses to use to read blood work, tests, x-rays, etc. and I spend hours trying to resubmit and get all of this corrected. In the meantime-Cigna has the ability to take whatever funds they feel necessary from my HRA & FSA whenever they want. I then have to do all the clean-up work of getting my funds back based on the incorrect billing codes and mistakes made by all the facilities and providers involved in the “routine” physical and the “routine” mammogram! I pay close to $4000 a year OUT OF MY POCKET for Cigna medical coverage before any deductibles or co-pays. My employer pays you thousands of dollars as well. In return, I get frustration, hours on the phone, multiple incorrect bills and wasted time trying to get things corrected for the 2 “preventative” procedures we chose to use last year. Yes—last year---over 3 months have passed and STILL trying to get the mistakes corrected. Once again, I’ve been told to contact my doctor and have them “resubmit” which they have already done. No one takes responsibility for this—they just send whatever they want to the next provider and then I’m left with a bill for someone I have no idea who it is and what they did! Simply getting through the prompts at the beginning of a phone call to Cigna is inevitably difficult just because the automated system doesn’t understand half of what you say! After finally getting my HRA funds back after 3 months of trying, I was told I still had to pay for my prescription and then ask for a reimbursement by Cigna pharmacy! Really? I don’t think so. So after asking multiple times I was finally transferred to someone else who said they would submit it again. Why is it always so difficult? Maybe you should really consider HELPING your customers by giving them suggestions such as making sure your provider uses the correct “preventative” codes for preventative services that are covered. How would I know to ask that? Believe me, I do now! Why does your website always run so slow? It is often down for maintenance. Maybe take some of those thousands of dollars you’re getting from me and upgrade your website so it’s a little more user friendly and faster.
Won\'t Pay For Doctor They Referred Me To
I just got the most vague bill I\'ve ever seen from my health insurance company. $162 is the portion of my bill that\'s not covered by my CIGNA plan. Notes section says my insurance covered NOTHING. The doctor I went to was referred to me by the CIGNA rep I called when I was looking for a doctor. I called CIGNA about the bill and was told that since the doctor I saw in the facility I was referred to (the same address of my primary care physician, by the way) was not my primary care physician I\'m being billed.
No Payment After 9 Months
My son has been trying to get payment on a claim or 9 months. Cigna sent my son a letter detailing what they need to process his claim. Despite the fact that my son has done exactly what the letter asks of him, Cigna is still giving him the runaround. The bottom line is they don't want to pay the claim. I pay them directly from my paycheck every week, yet they lie and obfuscate about their own communications with patients.
Cigna Has NEVER Fully Paid a Bill
I have the best coverage you can get with them and they still refuse to pay for anything. They have rejected bills for a letter missing from my name! I have unpaid hospital bills from over 2 years ago that I am still trying to get paid.
Will Not Pay for Surgery
My husband has had 2 back surgeries and is now in need of a dual fusion. Cigna has denied the claim! My husband can't walk! The premiums are ridiculous. They get their money out of my check every two weeks, but will not pay for my husbands surgery.
Denial of Long Term Disability
I have been denied LTD from Cigna without cause. I was told I could lift 2 lbs and therefore I was able to work! My medical records from my physicians show I have Fibromyalgia, Degenerative Joint Disease, Osteopenia, IBS, Stenosis of the spine, Bilateral knee replacements, Large Hiatal Hernia, Osteoarthritis-all over, severe depression, Gastrophy, Gastritis, Internal Hem, and they still denied my claim. My doctors stated I was unable to work. I have received total and permanent SS disability benefits, which Cigna does not recognize. My case was reviewed by a case work nurse manager, not a physician. I offered to be examined by their physicians and they denied that as well.
They will put together a nice package for you when you're looking to sing up, but when you need them the most, they will deny any coverage! I am in awe at the lack of customer service and inability for any of their staff to be able to help with any matter. It's like talking to a wall. They keep transferring you from person to person department to department, just waiting for you to get tired upset and hang up the phone.
Lied About The Services Included In My Policy
I have found out that the sales representative lied to me about 2 different items. I signed up for a health and dental plan. The sales representative told me that I would pay 15$ for generic perscriptions and 30$ for name brand. The reality is that generics were in fact low priced, but the name brands would cost me full price and Cigna won't cover any of it. I found out yesterday that having dental insurance doesn't mean squat. I had a filling pop out and could not eat or drink anything because of the pain. I made an emergency appointment with my dentist only to find out that Cigna doesn't cover emergency's until after 12 months. I have insurance exactly for emergencies! I fully understand not covering elective procedures but to not cover emergency procedures, that is absurd. I then called customer service to try and deal with the dental situation and was given the run around and told that the only way I could attempt to get Cigna to cover the procedure was to write an appeal.
Money is taken out of every paycheck for this insurance, but every claim that I have filed hasn't been paid for. Each time I call they have a different reason as to why they will not pay.
No Doctors In Network
I can't get an "in network" audiologist within 20 miles. There's an extremely reputable audiologist sitting right next to the ear specialist but, no... Cigna expects that you drive more than 20 miles for a necessary test, only to have to make a return visit to the specialist... of course incurring another office visit expense! Extremely disappointing!