Teacher's Tale: I've been teaching in the State of Florida since 1999 & I have never encountered such a disreputable & dishonest medical insurer as Cigna. I needed emergency foot surgery to return to my teaching job during Covid 19 & I called to get allowable amounts & preauthorization. I received terrific assistance, to help me move forward, on a recorded line. Cigna Recorded Line: Later Cigna stated, "We listened to the recording and we only paid $167.35 for your $16,135.00 surgery because our rep gave you too much information, shared too much with you, & he wasn't suppose to tell you all that information. Your doctor was out of network and we only pay 50% of the allowable amounts. We only cover surgery for out of network doctors if it is emergency surgery. We did allow $2000 for our out of network doctor deductible & you have also met your add'l in network $2000 deductible as well--You have the right to appeal!" "By the way, as of October 1, 2020 Cigna is no longer the provider for your School District." How to terminate Cigna employer group plan: (1) Opt out of medical coverage during open enrollment or a qualifying life event (request form) (2) Shop for better medical plans & superior coverage with the Marketplace. (3) If you stay with Cigna, include yourself on your spouses medical plan as a backup & file what Cigna does not cover with your alternative insurer. Cigna will often send you a form requesting whether or not you have add'l coverage so they can reduce or decline paying claims. Under HIPAA, you never have to reveal whether you have add'l coverage--privacy act. With that being said, you only submit what Cigna does not cover to you alternative insurer. You don't want to face insurance fraud. Pros: 1. Employee offered 2. Payroll deduction 3. Easy to sign up 4. Choice of in-network & out-of-network options & HMO 5. District employee monthly payout $300/month individual Cons: 1. Not teacher friendly 2. Dishonest--even if coverage & allowables stated on a recorded line 4. Does not pay allowable medical expenses 5. Refused to pay allowable claims when cancelled by the District 6. Uses coding issues to delay payment of claims 7. Changes coding to refrain from paying legitimate claims 8. $2000 individual deductible in-network & an add'l $2000 individual out-of-network deductible 9. Lower than normal market value for surgical procedures (pay $2000 for major surgery--really) 10. Lower than normal market value for orthotic & other medically necessary devices. read more

Cigna - I Paid $16,135 Cigna Paid $167.35 Emergency Surgery - Insurance Near Me - Kissimmee, Florida

I am disabled and on Cigna's Medicare Part D Drug coverage. I was diagnosed with glaucoma about a year and a half ago. My doctor prescribed Latanoprost and that worked for about 8 months, then my eye pressure started going back up again. My doctor wanted to prescribe Lumigan and I got it for about 2 months at a local pharmacy (each time the price changed and I was told it was because of my insurance, prices ranged from 88 cents to $28) Never understood why but ok. Then come 2024 and Cigna no longer covers these eye drops. So, I call for an appeal. DENIED, TWICE. So, I called my doctor and he prescribed Bimatoprost. Guess what? Not covered, I guess Cigna doesn't care if I go blind or not! Finally, I got a message from Cigna saying they covered a drug but did not tell me which drug it was. When I called Cigna, I got someone who just kept asking me a question about the quantity I wanted. How am I supposed to determine the quantity of eye drops? All she kept saying was "7 75." I asked her what that meant and all she continued to say was "7 75." When I got irate she said you don't have to get angry. Really? Denied twice, MONTHS spent trying to get these drops, HOURS on the phone with Cigna or my doctor AND STILLL NO MEDICINE! SO WHEN AM I ALLOWED TO GET ANGRY! I am also a retired teacher; I see another Cigna review from a teacher. Does Cigna just treat all teachers like dirt? UPDATE: FROM 1 STAR TO 5! I finally got a supervisor at Cigna named Marvin. He was the absolute best customer service rep. Cigna has! He fixed my problem, was able to explain everything clearly and even called my local Walgreens to make sure everything was ready. He is the very best. If you have trouble with Cigna, call Marvin! He got my script for a price I can afford on a fixed income and really went the extra mile for the customer/patient. He treated me like a patient, not a premium. He was my savior and bright star in a 4 month ordeal that had me ready to just give up and except the blindness. THANK YOU MARVIN! YOU SAVED ME AND CIGNA! read more

Mr. Oliver S, one of the telephone agents for Cigna Dental, provided me with exceptional customer service and excellent communication. He went above and beyond to ensure accuracy of the information provided. He is direct, honest, and genuine: qualities very challenging to show in a phone conversation, but which he did exude very well, with kindness, professionalism, and consideration. read more