Cigna Reviews 642

Tried do find doctor for specific condition. Thet sent me list. Most did not even treat th condition, and NONE of them accept Cigna Medicare Advatage.

Th people I spoke to at Cigna were friendly. It's their whole system that totally sucks. The turn down routine claims.

Date of experience: April 24, 2025

I submitted a claim for an injury that I incurred on 12.17.2024. I submitted it using their online portal and then was asked to resubmit via mail. Which I did on 1/5/2025. I was then asked to upload receipts even I had mailed them which I did in mid February. I called several times and the story was always the same. They needed more information. But then I proved to them I had already sent it. Today April 22 2025 they are telling me yes they received my information but the claim has not been submitted. ABSOLUTELY RIDICULOUS. But based on their rating here I doubt they care. And are probably rewarded for finding ways not to pay claims.

Date of experience: April 22, 2025

We finished our taxes over a month ago but we hadn’t received our 1095B form from Oscar’s+cigna. I called them and updated address etc and they promised I have it a week later. After a week no form in the mail, they can’t email it to you or send it to your portal(FOR WHAT STUPID REASON I HAVE NO IDEA). When I call back the next agent says it will take two weeks and we can’t contact Cigna to expedite it!! Wtf? Oscar isn’t allowed to contact Cigna, are you joking!? Another two weeks go by and no form. I call back again and demand it be sent to my portal as taxes are due the next day. Agent again states that they can’t contact Cigna directly and we have to wait for them to respond and I’ll call you in the am. Morning goes by and no call back. I call again and the agent see all the notes and tries to contact Cigna again to no avail. I ask for a supervisor, he’s on the phone, so he will call me back when he’s done. Well, John H. the supervisor never calls me back nor does he call the next day! So now I have to file an extension because these idiots can’t send me a simple form over the course of a MONTH! THEY TAKE $15,000 a year from me AND THEY DONT HAVE THE COURTESY TO SEND THE FORM OR RESPOND OR CALL BACK THEIR CUSTOMER WHO NEEDS A SIMPLE TAX FORM! If they’re not capable of this then who the hell would trust them with insurance of my family’s health? Sure as hell not me! So thank you John H., I’ll be taking my $15,000 and spending on a company that is organized and follows through! Not some bureaucratic dumpster like Oscar+Cigna that shows complete disdain for their customers and completely fails to do their due diligence. WHAT IF I NEEDED AN APPROVAL FOR A SERIOUS OR LIFE THREATENING SURGERY, ARE THEY GOING TO TELL ME I HAVE TO WAIT AND SEE IF CIGNA RESPONDs? What a joke of a company. IF YOU VALUE YOUR FAMILYS HEALTH AVOID THIS COMPANY AT ALL COSTS!

Date of experience: April 14, 2025

RUN FROM THIS COMPANY.. I was told they would cover a condition but they took it back and wrote an exception later after I got diagnosed.. I WANT OUT OF THIS CRIMINAL COMPANY

Date of experience: April 15, 2025

This is the worst insurance we have ever had. They don't sent EOB's even after requested. They claim they didn't receive provider's claims. Do yourself a favor. Stay away from Cigna.

Date of experience: April 14, 2025

I cancelled my policy but Cigna continued to take automatic payments from my bank account. I did not notice this in my transactions for a couple of months. I called them trusting that they would stop and issue a refund which at the time Customer Service said it would and I was distracted enough to delay putting a stop on the auto payment as my next transaction statement showed thy took the $208 monthly for the third month after I cancelled. I have contacted Customer Service and provide them with all the information they requested. That was a month ago and I was at the time told that a confirmation email would be in my inbox within 24 hours. Not receiving it had prompted me to resend it several time with yet no response. A week ago I again called Customer service and was told they had no record of my efforts. Finally the person I spoke to found my emails in their unopened cache. He then told me another story that typically it takes a while before an email is read and processed but he would show it to his supervisor and call me back in a couple of days. I asked for his name and the name of the supervisor and a shortcut contact. He told me his name was Jonathan (call center in El Salvador). He said he wasn't allowed to give me anything else. Jonathan agreed to email me promptly and confirm cancellation and approximately when a refund was coming. I'm going to continue to call but I believe Cigna, like some other companies, makes it so difficult to return overcharges that we give up asking. This is a grey area but still in my opinion is fraud. One star given reluctantly. The auto payments go back January-March. It is 04/14/25 at this writing.

Date of experience: January 01, 2025

Cigna is only interested in money not heath care. After a terrible injury ,I received a settlement in September of 2024 and Cigna demanded ,without negotiating 1/3 of my settlement. They took 1/3 of my settlement. I paid high premiums monthly. I paid high co pays and I also paid high medical bills that were my portion of the plan we had. We had to pay 25% of all of my medical bills. It took years to pay it off and then they took my settlement. I totally understand why people are disgusted by the corporate greed with insurance companies and Cigna is one of the most egregious ones.
Have they not taken enough money out of our pockets that they need take from people’s settlements they receive so they can have the assurance that their future medical needs are taken care of without worry or going bankrupt?
I hope Cigna goes bankrupt.
I believe in karma.
Karma ,do your job.
I’ll wait patiently.
Never trust or use Cigna. They are crooks

Date of experience: April 10, 2025

A Fraud Company, Big Fraud company. Never handles claims correctly, There are alot of hiddnen things which End user can never know. Everytime they will calculate in such a way, you will get the almost same out of pocket when you go without insurance. Save from youself from them.

Date of experience: April 07, 2025

I called in regarding a billing statement question I had about preventative care. She was impatient from beginning to end. Her way of dealing with customers is not right. She needs to learn how to be patient and listen to the customers and not snap at them.

She HUNG UP on me during the conversation which was absolutely unacceptable.

Date of experience: April 02, 2025

Customer service "advocates" are not trained to help customers resolve issues. They seem to be trained on how to delay processing or reprocessing of claims. Multiple conversations, multiple emails providing documentation requested, multiple times being told the documentation was received. I was told the claim reprocessing was being expedited only to call back a week later for them to tell me they didn't have the documentation again. Even a supervisor stated she couldn't see the documentation that was provided, even though I verified with an "advisor" last week that they did in fact have it and she read to me the date of service of the file to ensure she had the correct file. Cigna's customer service team should be investigated for fraudulent and unethical business practices and training of their employees. I wouldn't be surprised if they are incentivized to help delay claims processing. Do not believe them if they confirm they have something or if they say they will call you back or if they say they are expediting the claim. Be diligent, call back to verify as often as it takes to ensure your claims processing is not being delayed.

Date of experience: March 31, 2025

Cigna is a terrible company with designed loops to keep their customers from receiving benefits.

Date of experience: March 01, 2025

Since July of 2024 we have had Dental with this company. Not to get into the details as my blood pressure will go high, we are STILL fighting with this incompetent company for the benefits that they APPROVED on their letterhead and to date March 21, 2025 have still not paid. They claim it a computer error and will be adjusted, takes 72 hours to do so and payment will be made in 30 days. It has been over 250 TWO HUNDRED AND FIFTY days of constant phone calls not only by myself but the Dental Office that was given approval to do a procedure!!! Today I am calling once again to get this paid! Any one want to place the odds on me getting a different answer?!?! And it will go into 280 days…thirty days later…another 30 days later…in the meantime OH GAWD forbid our credit card auto payment does not go through and in 24 hours you are called and said your insurance will be canceled!! AND WE HAVE BEEN FIGHTING FOR 250 days, and spoke to now over 15 FIFTEEN different people to have currently a supervisor that wasted another two weeks, to sat SHE CAN’T HELP US!!! we have to call billing again!! And billing was what I called and asked for a supervisor and I got her. NOW she says you have to call billing…WHAT!?!? After two more delayed two weeks!!!! I am sick of the delay tactics and we have been paying our premium on time. Also you have to deal with outsourcing calls and the language can get in the way. Anyone ANYONE researching to do business with this company I highly DISCOURAGE you!!!! I emphasize DO NOT even contact them as they shine you on and on and on……

UPDATE as of March 30th. The reply from CIGNA on here, is the canned one they give you on their sight. THEY make it impossible to make a complaint. SINCE my first initial message Cigna HAS STILL not paid my claim. IN fact I had to pay for the service that THEY PRE-APPROVED On thier LETTERHEAD, over 250 days ago..then proceeded to NOT PAY IT. We are not addressing other avenues. This company is a rip off.

Date of experience: March 20, 2025

Cigna is in a contract dispute with Jefferson (where my GP is), so I can't see my GP to follow up blood tests on a physical I had while Jefferson was still in network. I called to get an exception and the support staff at Cigna was so, so, so, so, incredibly useless.

Date of experience: March 21, 2025

There comes a point in history when shamelessness becomes law and fraud becomes the norm A point where institutions stop pretending to be humane and fully surrender to the logic of plunder. Cigna has crossed that point.

What this insurance company has built is not a healthcare service. It is a machinery of extraction, a mathematical equation where every variable is designed to maximize profitability at the expense of human suffering. A business model where illness is not a problem to be solved, but a resource to be exploited.

Since December, Cigna has taken $80 from each of my paychecks under the promise of covering generic medications and lab tests. Not because they care about their policyholders, but because each signed policy is another entry on their revenue sheet. But here lies the trap: the moment you actually need to use what you’ve already paid for, **Cigna vanishes behind a wall of obstacles, endless transfers, and premeditated excuses.

Four months later, my doctor prescribes me a regular medication. A generic. A low-cost drug. But when I arrive at Walgreens, reality strikes: Cigna has decided it is not covered.
Final price: $175.

There was no error.
There was no system failure.
This is not an accident. This is by design.

Because in Cigna’s calculations, every denied claim is a victory, every medication you are forced to pay for out of pocket is another dividend for their shareholders. Their executives don’t analyze medical histories—only financial reports**. They don’t measure their policyholders’ well-being—only the efficiency of their denial strategy.

And when you call to demand an explanation, you enter a circuit of pathetic operators designed to wear you down, frustrate you, and force you into submission**. Powerless agents, departments tossing the problem around like a hot potato, empty responses that solve nothing. Because their job is not to help you. Their job is to stall, exhaust, and bury your claim under layers of bureaucracy until you give up and pay.

But what Cigna failed to calculate is this: when lies are repeated too often, they stop being invisible. Sustained fraud, when it becomes the norm, does not provoke resignation—it provokes rebellion.

History has taught us that no system of greed is eternal. Companies that believe they can **abuse without consequence always forget the same principle: the most solid structures collapse the hardest when their corruption is exposed.

This is not just a service issue. It is a premeditated model of abuse.

Cigna operates under a simple equation:
Charge upfront. Deny coverage. Force the customer to pay again—while pretending that upgrading to a far more expensive policy will solve the issue, only to deny claims once more.

Today, that equation faces a new variable: the awakened awareness of those who will no longer accept this plundering in silence.

Cigna, I am not just another policyholder. I am the echo of all those you have defrauded. And this echo will not be silenced.

Date of experience: March 17, 2025

I am still having no results from Cigna. It has been almost 3 months since I was told a refund had been mailed, and then found out it has not. Told again it would be 10 to 15 days before I would be mailed a refund. That was on Feb. 27. This is a company I will never recommend to anyone. Customer Service is a nightmare. I am still waiting

Date of experience: March 17, 2025

I have never experienced such an appalling lack of responsibility from an insurance provider. Cigna is actively delaying my urgent medical procedure by refusing to confirm coverage, despite my policy clearly stating that it should be covered.
For weeks, I have been stuck in a loop between Cigna and the hospital. Cigna claims they are "waiting for the hospital to schedule the procedure," while the hospital states they cannot schedule without Cigna confirming the coverage first—which makes perfect sense. No hospital will organize staff, resources, and time for a procedure without knowing it will be paid for.
I have sent multiple emails, all ignored. The hospital has also contacted them repeatedly, with no response. This deliberate lack of communication is preventing me from receiving essential medical care, putting my health at serious risk.
At this point, I have no choice but to consider legal action against Cigna for negligence and failure to fulfill their contractual obligations. Their behavior is not just unprofessional—it is potentially life-threatening.
If you are thinking of getting a policy with Cigna, run the other way. They will take your money but disappear when you actually need them.

Date of experience: March 14, 2025

Cigna is, without a doubt, the most incompetent, unethical, and downright useless health insurance company out there. Their lack of professionalism, disgraceful communication, and refusal to provide the services they promise make them a complete disaster for anyone who actually needs healthcare.

Their customer service is beyond pathetic—endless hold times, clueless and rude representatives, and zero accountability. Getting a straight answer is like pulling teeth, and when you finally do, it’s either completely wrong or contradicts what they told you before. They lie, deflect, and make sure you never get the help you need.

And let’s talk about their favorite pastime—denying claims. They automatically reject legitimate treatments, forcing patients into an exhausting battle of appeals or leaving them to pay thousands out of pocket. It’s obvious that their entire business model is based on screwing people over—delaying, denying, and frustrating patients until they give up.

The so-called “benefits” are a joke—why even bother having insurance when you’re paying ridiculous premiums for worthless coverage? Every service comes with hidden fees, fine print, and loopholes they conveniently fail to mention.

If you value your health, sanity, and financial well-being, do yourself a favor and stay as far away from Cigna as possible. They don’t care about their customers, only their profits. They are nothing but a greedy, dishonest corporation that exists to exploit sick people.

Date of experience: February 24, 2025

On New Years day, 2024, my wife was kicked in the head by a horse. She suffered facial fractures and the loss of 4 teeth. To this date, Feb 21, 2025, we have yet to see any action by Cigna to defray the $24,000 of out-of-pocket expenses we have had to pay. They always claim to NEED MORE INFORMATION. We are not going to let them win! They hope we will just shut up, give up and go away. It's just the opposite. We will apply more and more pressure. We will expose their uncaring, unfair, unlawful and greedy scams.

Date of experience: February 21, 2024

Cigna Healthcare is the most inefficient Healthcare in North Carolina..They deny and delay claims for medicine so you cannot respond in time and they have rote responses and answers to everything. I will personally be contacting Ncdoi, and consumer affairs and certain state representatives in N.C. to voice me concerns about how I have been treated and how they use the Cigna's PXDX system to deny things on same day they receive them .even with appeals they send information after the dates scheduled. They basically use rote responses and answers for everything. A person need for medicine is not a consideration. Only there greed

Date of experience: February 20, 2025

Within the first two months of my company changing plans to Cigna, they forced me to use CVS as a pharmacy and denied two heart disease medications ,that I have taken for many years.
Two medications that I have taken for many years to mitigate progressing heart disease were denied refills because I had not tried other medications ... which cost 3 to 4 times more!
We could not log on to the Cigna website until after our coverage started, at which point I discovered that they automatically selected CVS as my pharmacy. There is not a CVS within 10 miles of house! Walgreens is 2 miles away. When I contacted them, I was told I would have to wait until open enrollment to make a change. Awesome.
Needless to say, I will leverage what little clout I have with my employer to encourage them to switch to another provider.

Date of experience: February 18, 2025