Cigna has merged with Great West Health Care.
I have a PPO through my employer with Cigna and even in network they cover NOTHING . I pay 400.00 per month to have a 2500.00 individual deductable, and a 7000.00 family deductable. Each deductable must be met once in network and once for out of network!
Therefore I would have to spend for my family of four: 17000.00 before I was covered by my insurance!! All deductables must be met BEFORE THEY PAY ANYTHING and no deductibles count toward other ones, like my son say he reaches the 2500.00 in network deductable, well that is not applied to teh family deductable, no, you do not work on the family deductable until ALL the other deductables are met.
In short I pay Cigna 4800.00 a year so I can be liable for another 17000.00 a year in possible medical bills, Oh did I mention I make 35000.00 a year, so half my income is out on medical if we have a surgery that is very expensive or simply a tragedy.
We are not eligeable for medicaid and I am not ALLOWED to cancel Cigna unless I have proof of insurance elsewhere, which I cannot pay for until I get rid of Cigna! They are an aweful, aweful company. I ghave never had insurance that was so worthless. I miss AETNA or United Healthcare. Heck anyone that will pay a claim after I make my co pay!