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2.1 66 Reviews

Cigna International Complaints Summary

18 Resolved
48 Unresolved
Our verdict: When using services from Cigna International with a poor resolution rate, be vigilant. Understand the common pitfalls other customers have faced. Prepare thoroughly for any interactions with their customer service, and consider alternative solutions if your issues are not addressed satisfactorily.
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Cigna International reviews & complaints 66

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3:22 pm EDT

Cigna International short term disability claim taking more than 5 months and still under review

my name is Manuel Torres I pay my short term disability insurance for 13 years and never use it, on may 19 2017, I have health issues and end up in the emergency room, due to my health issues I was disable by my doctor for 4 weeks and follow up with a specialist, Cigna ask for information from my doctor, and the documentation was send out to cigna, I call and call and always was under review or need more information, today is September 20 2017, and my case still under review.

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9:21 pm EDT

Cigna International health insurance

I am 78 years old widow living on my widow pension. With my little money this year March I purchased health insurance policy from Cignattk. Before approving the policy the company tested all my health parameters and could not find any abnormality. Since I was not suffering from any disease, I have not declared anything. I paid Rs 25000/- for the premium and the policy was issued. But suddenly in July, I became sick with blood pressure went upto 240 level. So as per doctor advice, I admitted to a local hospital. Since the hospital was registered under cashless category with Cignattk, I told the hospital to claim cashless authorization. The hospital was very reluctant to accept cashless arrangement primarily due to delay in payment by insurance and also their payment will come under tax net. Still due to my insistence they filled up the authorization form and sent to Cigna-ttk. Next day Cigna-ttk wanted some more details of the disease. That time I was very sick, so I signed the documents brought by the hospital to be sent to insurance. Later Cigna-ttk reject the cashless claim by saying that my disease is pre-exiting as it was written in the second set of documents(signed by me in good faith) that I was suffering for last one year, when it was totally false. I feel Cigna-ttk has some tacit understanding with their registered hospital to dupe the patients like this so that they need to pay the claim. Due to this rejection, I had to pay Rs.8000/- as my hospital bill and Cigna-ttk didn't pay a single paise.

I warn the public not to buy policy of this fraud company and cheated like me.

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10:43 am EDT
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Cigna International Dental claims not being paid

I received services in June and July 2016. I started calling CWI Benefits who pays claims for Cigna. I started calling the beginning of July to keep on top of the process. I was told two to four weeks. I called again the end of July and was told my dentist never submitted the claims. I called my dentist, which I have never had a problem with submitting claims, and was told that they had submitted them the day of or the day after the claims. I had to call CWI back and verify. I had to call and have my dentist submit claims four times before CWI would admit to receiving the paperwork. Then CWI claims they electronically paid my dentist without even verifying my dentist takes electronic payments. I called my dentist and they tell me they were never paid electronically by CWI benefits. I told CWI benefits every time I called that I paid the dentist in full the date of the services and that my dentist is not part of their network and they should not be paying the dentist. CWI is trying to state that my dentist office submitted my claims and checked the box that elects the dentist to get the payment. I called my dentist office and they tell me that they never do that and did not do that with my claim. I called CWI back and asked that my case be referred to a Supervisor. They sent my claims to a Supervisor that was on vacation for a week and no one else could review. This nonsense has been going on for weeks and I still have no payment. I called and emailed my HR department and filed complaints. At first they ignored my complaints but then emailed me this week and told me they were going to escalate the issue

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4:37 pm EDT
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Cigna International Long Term Disability Insurance

About 4 years ago I was diagnosed with degenerative disc desease and underwent a disc fusion. At the time I was approved for long term disability benefits through Cigna as I was expected to recover and return to work soon. Unfortunately the strain from the disc fusion caused 4 other discs to bulg and press against my nerve root. So my condition after healing from my surgery was actually much worse than before. However, Cigna informed me that I could return to work. I appealed my decision and won. Cigna agreed that I met the contract definition of disabled.
Two years go by and Cigna does what they call an "any occupation review". Basically after two years of disability if I can perform the job functions of any occupation which pays me 80% of my former salary I am no longer disabled. Cigna can't find me any other jobs I can do but they decide I can now go back to my old job. Now it's important to understand that my condition is not operable and I have been on long term pain management only. I appeal their decision and win. Cigna agrees that yes I am still disabled.
Two more years go by and I am still on long term pain management. I have not had any surgeries, physical therapy, or taken any medications that had any chance of changing my underlying medical condition. However, Cigna has yet again told me that my condition has improved to the point that I can return to work. I am appealing yet again.
Cigna does not care about the facts, your medical condition, your mental or financial stability or that returning to work could place your health or even your life at risk. The only thing Cigna cares about is denying as many claims as possible to boost their bottom line.
If your company offers Cigna insurance urge them to switch. If you have Cigna insurance take further steps to protect your family. If you are, like me, fighting Cigna right now then I suggest you pray - it's your only hope.

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2:04 pm EST
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Cigna International Cigna Robocalls

Have started receiving these continual and very annoying ROBO calls from Cigna which is our carrier. The current # they come from is [protected] (Colorado). The female voice states they need to talk to an authorized person and they sound serious and official compelling you to think you should respond. I finally did. You have to key in your birth date so that they know you are authorized to speak with them - then they begin to ask you ALL sorts of automated questions about your health under the guise of trying to help you hook up with a doctor and keep you in good health. They keep assuring you that your answers will be kept "confidential" and will not affect your coverage. I have NOT made it through a whole survey as it is tedious, personal, extensive, invasive, unwanted, and unneeded! But if you hang up, they will keep calling back! I called and complained today to 3 departments (billing/enrollment, benefits and claims, and customer/consumer service - which could only be reached by the other departments. Customer Service was the only department half way acknowledging anything saying they thought it could be from their "home delivery" which was related to prescriptions and we do NOT have any prescriptions (now or ever) and the calls were not related to that. Other than that, they all passed the buck saying that it wasn't coming from their department so they couldn't do anything about it (except remove us from any "home delivery" related calls).
I hopefully made it loud and clear that if we needed any help or advice or wanted to share our health conditions, we were fully capable of calling them. This unwelcome invasion into our time, privacy and choices is VERY maddening and annoying. We have never had this problem before with an insurance company abusing our phone number - and FYI, in all the automated stuff there is NOTHING to hit or say to stop the calls. (Oh and they come at all hours!)

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Kevin Lauer
, US
Feb 27, 2017 12:57 pm EST

This has started happening to me as well now that I signed up with them through the healthcare exchange. I will be calling them post haste to inform them that they no longer have my permission for marketing or sales related calls, and restrict them only to account administration service calls, as per my rights under the Telephone Consumer Protection Act. If they continue to do this to you, you only need to withdraw consent once, in any reasonable way, before they need to ensure you are on their internal Do Not Call lists and are blocked from robo-dial calls. If they continue, they are then in violation of federal law.

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12:20 pm EST

Cigna International Short term disability

I was denied short term disability the first time, plus two appeals.I gave all the info they requested.They still said the statement from my Dr was overruled by their NURSE, seriously ?I've tried since May 2015 until January 2016.I guess I should thank my employer SEARS for having Cigna .It's a shame the Goverment lets them get away with it. Check Cigna's ratings, guess you get 1 star for a reason...O wait they won't let you rate below 1 star.I wish everyone at Cigna all the worst in life!

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8:04 am EDT

Cigna International They refused in medical equipment and haven't explained why

I was disappointed in the website www.cigna.com. I asked to provide medical equipment and some medicine, but these jerks refused me. But my doctor provided the letter and explanation why I needed this stuff. It was really stupid and unprofessional from them. They even haven’t explained me why it has happened. Please, share your views about them and post comments about your things with them.

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11:56 am EST

Cigna International Service information

Called the Cigna information line concerning the jump in my copay for Testim testosterone cream. After spending 20+ minutes on the phone with Angela - it was determined that if I switch to Androderm - my copay would be 30.12. I called my doctor - GOT AN APPOINTMENT - PAYED THAT CO-PAY and got that script called in. After all this - I show up at the pharmacy - CO-PAY IS STILL 50.00. When I spent ANOTHER 20+ minutes on the phone, it was determined that Angela was either misinformed or incompetent. Now, after almost 14 days - the pharmacist and the CIGNA rep on the phone refused to talk to each other - WTF?!?
So, the CIGNA rep told me "Testosterone" was a generic and would be 10.00. When I told the pharmacist - he gave me the NDC number - when I told the number to the CIGNA rep - THEY DIDN'T MATCH!
So the pharmacist told me to look up the manufacturer for androgel (the NEW med) or Testim (the OLD med) and get a manufacturer coupon - did this before and the pharmacy told my wife that is only for people WITHOUT insurance - when I relayed that to the pharmacist in front of me - he told me to use ONLY THE MANUFACTUER COUPON.
So, I am back home - on the computer - after ANOTHER WASTED TRIP taking MORE TIME to deal with this circus.
What a joke - what a way to add more layers of garbage - and create more animosity and less service . . . .
So, in a phrase - CIGNA can suck it . . . .
Robb Rogers

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Jomesque
, US
Aug 22, 2012 8:15 am EDT

I have a preexisting condition i am a diabetic an take insulin at night spoke with Cigna insurance company Friday August 17, 2012 said they could not offer me insurance because of that reason.

Can they do that knowing that people need health Insurance?

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1:48 am EST
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Cigna International Waiting Period Misunderstanding

I would first and foremost like to say that I do take some of the responsibility in what transpired between myself and Cigna Dental. It has taken me several months to have time to write this review, and we still are Cigna customers for the simple fact that it wouldn't make since for us to drop them YET. My husband and our family became cigna customers at the end of 2012 through his work. In January of 2014, his company was suddenly bought out by another company who's benefits did not compare, and actually qualified us to use the Healthcare Marketplace. After the disaster of trying to get enrolled, we finally got Cigna Dental again that started on April 1st. Let me say, that even though we paid for our Dental Benefits for over a year with his old company, we never even filed a claim because my husband hates doctors and I have near perfect oral health. Moving on... I finally talk my husband into visiting dentist because I KNOW he has procedures that he needs done. They made my husband a care plan that was lengthy and expensive. They showed us what we would be responsible for and what my insurance would pay, and how the dentist got those numbers except from the insurance is beyond my knowledge.However, it showed the insurance company paying all but 20% of the cost. The receptionist asked if we had a waiting period, and I said that I did not know. She told me that she would call and find out for me, and I said I would look into it as well. I logged onto my cigna account, and I could find my deductible, coverage limits, definitions.. everything EXCEPT any information about a waiting period on my policy. (BTW I went back and took screenshots of every webpage of their website related to my policy). I also went back to look at the original packet they sent me. The only thing it had in it was basic definitions, and directives to visit the website, which I also still have. I called and asked for my benefits booklet because obviously that couldn't be it with so little information (which is actually pretty much how the 2015 booklet is too) . In the next week, I received the same booklet that I already had. So I had found no information about my specific waiting period yet. In the next couple of days, the receptionist calls us and tell me that "she spoke to somone, but he was hard to understand because he was a foreigner". She said that he told her we only had a 12 month waiting period on major. So we scheduled my husband's fillings, and paid our 20% that same day to the dentist. In the next couple of weeks, our receptionist called to tell us the unfortunate news that they did not cover his fillings because of an apparent basic waiting period. I called Cigna, and tried to talk to a representative. I asked her why they had waiting periods, and she said so that people would not sign up, get major work done and then stop paying their bills, which is understandable. (I also recorded these conversations). I then told her what had happened, and offered to pay the policy in full if they would pay the claim. She said that was impossible. I then made the point that we were technically not new customers, and she went back and looked, and told me that they considered us a new customer because it had been more than a 60 day lapse in coverage. I went back and counted, and our lapse (which was a little beyond our control) was 67 days. My husband did not develop cavities in 7 days, and we would have waited the 2 months to go to the dentist if we had known there was a waiting period for basic. I then mentioned the call, which she said they only used for training and couldn't pull back up, which is BULL. I worked for a very reputable P&C insurance company, and EVERY call was recorded and could be pulled up if needed. She even went as far as too say that there were no notes made of a call in my file. I then asked if there had bene anyone in my account on ( specific date), and then she finally said "Oh yeah it looks like a Rebecca called in to verify benefits, but the call was dropped." Sure, since you already lied. I then asked to speak to a manager, and she absolutely did not want me to. She tried to say no one could do anything for me and that a manager would tell me the same thing. It was almost as if she thought that claim money was coming directly out of her pocket. They manager however was very helpful and gave me the resources to file and appeal. I filed two appeals, basically making all the points I have made here and then some. The second appeal I specifically asked what was said between their representative and the receptionist, because if the receptionist had lied, I wanted to know. The last appeal denial which came from a Sandy H., said "Please be advised that verifying benefits verbally is not a guarantee of benefits." This leads me to believe that the receptionist was in fact telling the truth, and it alsos brings about the question of how do we trust a company as a whole, when they are basically saying you can't trust our representatives? Also, why was it so hard for me to find any information about a waiting period? Is it because they are kind of tricking people into paying for some of their procedures out of pocket before their benefits kick in? So to sum it up my husband had to pay in total over $500 out of pocket for fillings that could have waited another 2 months, and we will be leaving the company for good, but only after he finishes getting all of his work done. They are losing a potential life long customer (we are in our mid 20s) over a paying a claim that is decimals to them.

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11:41 am EST
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Cigna International Unjust Practice

For the last 3 months I have been battling this horrible company to approve my short term disability claim. I was taken out of work by my Dr. due to a back injury that is chronic in nature. I also am diagnosed with depression which can be very severe in episodes and very debilitating. On 8/21/13 I took this leave and since returned to work on 10/21 because my claims were denied. I had no other choice...go back to work or lose my home despite the circumstances. I was shuffled from person to person at Cigna and all they basically did was bury me in paperwork and never once did they actually speak to my Dr. I appealed the decision only to find out today it had been denied as well. The company's motto is: "To help the people we serve improve their health, well-being and security." This couldn't be any further from the truth. I would advise anyone looking into this company for insurance to RUN away as fast as you can. Statistically speaking, Cigna denies 1/3 of their claims and seems to be more concerned about their bottom line than the individual. I filed a complaint with the Washington State Insurance Commissioner with the hopes of at least sending this organization a message. For as much as we all pay for insurance in this country it would be nice to know you can count on it when you need it. I'm just utterly disgusted by the way Cigna has treated me and others. Look at their reviews: http://www.consumeraffairs.com/insurance/cigna_health.html
I hope this company gets a big wake up call and finally realizes that it can't go on treating people like this.

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eyesopened
League City, US
Nov 15, 2014 11:52 am EST
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Legal recourse? Really, ? Where? I know, at least for employees, cigna has mandatory binding arbitration, which you have to sign. If this is the same for their customers, than there is NO legal recourse. From what I have read, arbitrators don't have to follow the law. Who is going the bring the arbitrator more repeat business, the customer with the one time complaint, or the huge corporation? I am guessing cigna brings arbitrators a lot of business. That aside, legal recourse also requires an attorney to be effective. Attorneys are expensive, and not everyone can afford them; and cigna, well they have their own corporate attorneys. JKool30, I am sorry that you have had to deal with therm. cigna is a horrible excuse for a company.

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aejiii
, US
Jun 17, 2014 1:57 pm EDT

My premiums go up if you get paid out on something you didn't contract for.

So please explain how Cigna violated the terms of your policy (insurance contract).

KMart doesn't refund your money for a Craftsman tool sold by Sears. Is KMart uncaring?

If Cigna violated a contract, you have legal recourse. If Cigna complied with a contract, you could have paid more premium with someone else who would have had contracted to cover your scenario.

A Claim is a request for reimbursement in compliance with contracted terms(policies).

The fact that a third of the claims are false, (not in the contract), doesn't mean anything other than folks don't think they are responsible for knowing the content of the contracts to which they are party, (at best). Fraud at worst.

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5:20 pm EDT
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Cigna International misleading from different employees on our policy

Our daughter has to have jaw surgery because she has a very bad cross bite which could not be fixed by the ORTHO. The procedure needed 1 year of preparation before the actual surgery, so I call cigna to confirm our coverage to make sure that it is covered before we proceed and the doctor's office also did. We submitted the prior authorization (which they informed us that it will only be valid for 6 months but we should not have any problem re-submit it as the time get closer). IT was approved so my daughter went to the ORTHO to prepared for the surgery. As the date got closer, we submitted another PRIOR authorization as they told us to do so, then it was denied and said that we do not have such coverage. I call and the doctor's office call, my husband call his company (which the insurance thru my husband). Every time I talk to custmer service they said it was covered then I call the department that handle PRIOR AUTHORIZATION they said not covered and sometimes they hang up on me. Then, they told me since this is a new year my coverage for that procedure does not exist and if we have put the actual date then they would have cover it. We had the same insurance and make sure nothing was changed. So, some VIP call from CIGNA after I complain to the Better Business Bureau, but all he does is tell me that he is sorry that the employee at cigna has informed with wrong information. I am supposed to say oh, it is ok they make a mistake ... NOW I HAVE A BILL $20, 000.00 not $2000.00 but $20000.00 thank you. even now they can not type up any claim that I have to submit by myself without we having to call at least 4 times before we get paid. It is very frustrating and they even tell me that it does not matter that the claim was put in wrong because I was not getting paid anyway. I just think there is something wrong with this country insurance company.

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Belleville
Cincinnati, US
Nov 27, 2013 2:56 pm EST

I got a call from AIL . She never told me the name of the company. So I called her back and got the name. I looked on bing to research it. Was not happy with what I found. BBB gave them a F and had an alert on there website. I am not going to waste my time. This makes me so upset. When someone is trying to find a job and they are going to do nothing but waste your time. I have no intention of going to the interview they are just wasting my time.

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7:57 pm EDT
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Cigna International Ignorant of own policies

At prompting of Human Resources (which assured us that Cigna was just like United Healthcare only a tiny bit cheaper), I switched last year. HUGE mistake! Had a referral to a specialist. Was told none such existed in our town. Doctor said yes...he'd sent others there. Cigna said no. Went straight to the specialists and they said they do take Cigna and have several patients there with the same insurance. Called Cigna again, they said they don't show that specialty but they do have the doctor's office as being in-network...even though that is his ONLY specialty. Now 4 months later, I go to get my diabetic test strips only to find that I have a 50 dollar co-pay. UHC had a special diabetes program that offset the price of the co-pay and brought it down by 30 dollars each month. So I call Cigna to see if they have a similar program. OMG...let the headache begin. First of all, I was transferred around (or occasionally hung up on) 9 times. More numbers and departments and assurances that this was going to be the department with all the answers...sometimes transferring me BACK to the same department I just spoke with two operators before. Yes, we have a program...it's called a Wellness Team. No, we don't have a program but you might want to check with the pharmacy about discounts via mail order prescriptions...my husband gets his that way. No, we don't have no discount mail order testing strips, let me refer to this number. Call number which says "this service is not available." Call again. We have a Personal Health Team that we can set you up with but they have to call you. In the meantime, I can transfer you to the benefits line to see what exactly you're qualified for b/c they can pull all that up. I say o.k. and she transfers me to the exact same line I spoke with three operators ago. He tells me that I need to call the Healthy Rewards department and that they can offer special deals and coupons (not at all what I was asking). I tell him I was told he can look up exactly what coverage and programs I was eligible for and he tells me that I absolutely want this department because they handle all of this sort of stuff. I call and the automated menu has absolutely no option of diabetes. It says stuff like laser eye surgery, chiropractic issues, and stop-smoking programs. When I don't choose an option (because there is not one for my issue) it says "we cannot help you...goodbye."

I'm sick of this stupid company. No one knows what the hell they're talking about. It's worse than one of those Indian call centers for satellite television or computer services. Come October (open enrollment) I'm switching back and warning all others to stay the hell away. These people couldn't find their own rear ends with both hands searching.

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5:24 am EDT
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Cigna International PHT program

My employer uses CIGNA Healthcare to administer its self-paid health insurance plans. Recently my wife and I have been receiving robo-calls every few days (sometimes daily) from CIGNA PHT [protected]). Apparently CIGNA is under the presumption that they have the right to "advise" us with a "Personal Health Team" on how our personal healthcare should be addressed, offering totally unwanted advice. I maintain that our healthcare is ONLY a matter between us and our physicians and NO BUSINESS of a bunch of insurance company beancounters. CIGNA has been told repeatedly to bugger off, that we refuse their unwanted meddling in our healthcare affairs.

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Update by meknjinear
Apr 19, 2012 9:19 pm EDT

Actually, in the case of my employer, CIGNA DOESN'T have the right to force a policyholder to participate, they just make it very hard to decline. I contacted my HR rep, who in turn directed me to our contracted benefits handling firm. I then placed a call to that firm, and their rep in turn called CIGNA itself. The rep at CIGNA was clueless about the robo-calls (had no record), and in turn had to call someone at PHT, which I believe is an independent subcontractor. The rep at PHT was then "persuaded" to fill out paperwork to opt me out of the unwanted intrusion into my personal business. Unfortunately, each covered person in the family has to make a separate call to OPT OUT.

Call [protected] and tell CIGNA PHT that you refuse the "benefit" and demand paperwork be processed on the spot to OPT YOU OUT.

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Kim Jarmon
Detroit, US
Jul 15, 2009 4:38 pm EDT

I was hurt and had to take off work for almost 2 years off and on and cigna insurance has not paid me a dime while I was off. They were still taking payment for short long term disability insurance out of my check and the job was sending 0.00 checks. I lost the chance to buy my first house and had to move back in with my mother because I couldn't keep up the payments and thank god she was a coworker so she knew how sorry cigna was and she let me out the sale of the house with out any finacial responsibility.
Because I was attach to the job the unemployment office will not pay me for 1 of the year or maybe more I have to appeal.

Thank You and have a great day.

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Sungold7
, US
Jan 04, 2016 1:55 pm EST

In my case, I have a couple of chronic medical conditions, Type 2 diabetes and hypertension. I get a phone call from a nurse every 3-4 months to talk about my progress with these conditions, blood test results, and any other health concerns. As long as I agree to participate in their management program, my doctor visits, co-pays, medications and supplies are covered in full. While some might find this intrusive, I find that not having to pay for these things, especially diabetic supplies, is a big health benefit. It doesn't kill me to speak to a nurse 3 or 4 times a year.

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Blue00283
Ballwin, US
Jan 07, 2011 3:44 pm EST

Tried to talk to an agent on Monday and Tuesday - 20-30 minute wait times.

Finally got an agent that could care less - the service in this company has seriously eroded over the last 3 months.

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Michael B
Palatine, US
Feb 03, 2015 12:32 pm EST

I've been getting the robo calls, too. But they're looking for someone else! At least two calls per week for at least three weeks.

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Anonymous011
Athens, US
May 02, 2013 1:41 pm EDT

Don't worry, soon the insurance companies will own your provider. http://www.post-gazette.com/stories/business/news/state-approves-highmark-west-penn-allegheny-health-system-merger-685517/

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switzer29
Grimes, US
Apr 14, 2012 6:50 am EDT

It could be a part of your health insurance plan. Some companies who have a self funded plan try to think of ways to cut their claims cost by having their members get bombarded with health advice. i would look at your benefit certificate

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7:32 pm EDT
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Cigna International caused us a nsf charge @ bank

I've spoken to several supervisors at homeland healtcare, mailed and faxed proof of my complaint about their agents, who ran a postdated check earlier than agreed and caused us to have a nsf charge at the bank. Noone has reimbursed us, like they said they would once they recieved proof. The last advocate I spoke to was Sharon, and as usual no positive result from a error on homeland healthcares part. I received a phone call from a Brittany saying, she was going to see what happened with that. I would never purchase or recommend anyone to do business with this company, ever.The inappropiate misuse of our postdated check was a red flag.

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7:27 pm EST

Cigna International Bio-metric Screening Problems

I am on my wife’s health insurance, which she pays for out of her check each month, hers is covered by the employer.I go to our Doc a couple of times a year to keep up with colesterol, bp and what ever else needed.We were told that Cigna was having a biometric screening for 2 days next week and that it was manatory for all employees and spouses on the plan to attend or be denied further coverage.I don’t think its the place for a provider or employer to be telling me to get my colesterol, bp, body mass and glucose checked when I have a doctor for that.Further more, if I try to refill a bp or colesterol med a few days too soon, cigna makes me wait to get it later.

But they bombard my home phone and mail box with info about how they can save me money on my meds through them and they can even send me a 90 day supply by mail.Total corparate garbage.I don’t trust my mail carrier to get it to the correct address and I choose to support my local mom and pop pharmacy.I am considering dumping Cigna to let my wife bring home that $250 every month that she has been spending and get my meds at local grocer for $4each.I am not a Sheeple

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Cigna International Fraudulent access of personal credit report

I have had two requests for my Expeiran credit report 11/27/2011, both requests as coming from me. I have NOT requested an Experian credit report before today. The address given for these requests is:
18500 Von Karman Ave, Suite 400
Irvine CA 92612 No phone number was given.
My Chase Visa credit card also showed a charge from Experian on the same date, which prompted me to examine my report.

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Cigna International Disability Insurance

I am angry and want people to know what CIGNA is doing. I know the lawsuits, court documents and horror stories found on the Internet are not imaginary. As CIGNA has done with so many others: My short-term disability was denied for no good reason. I have the same story as everyone else does: PAPERWORK! I think if anyone mentions paperwork to me again, I will scream! I will not bore anyone the rest of the details, just go to complaint boards and websites and read what others have said. I suggest that everyone who has been wronged by this company go to every media organization they can think of, the more complaints the better. You should also go to your state Insurance Commission. Last resort: I have been forced to hire an attorney.
I am on the verge of losing my job & am in severe financial distress due to this company denying me.

Furious in Indiana

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Update by furious in indiana
Dec 06, 2011 1:00 am EST

None needed. That says it all about Cigna. People need to go to the media.

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Danielle Hammers
, US
Oct 24, 2018 12:16 pm EDT

My name is Steven Ross
I live in Huntington Texas and I have Cigma StarPlus and they give me the run around. There are to many authorizations when the doctor need to see me and it out of the way. Everything has to be contacted through the insurance but what doesn't make any since; is what needs to be done has to be approved first and it takes to long, and they say there is not enough information but how can they have enough information when they cant get what they need like MRI's or examples cat scans or blood work approved to know what there treating the client for. I think you should approve that stuff because then the doctor would know what to treat the new client for . Then they could do the special authorization as needed. It also seems like they pick and choose who they want to be there carrier for the people to go to . Like in Beaumont its out of network and its hard to find anyone to take the insurance to begin with. The insurance got me that doctor Les Goodman but they say Les Goodman is out of network but he takes my insurance but so what does the insurance do? It seems like they choose who they want to work with, if they take the insurance why is he out of network with him? I would like it if someone would really look into this.

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Down, but not yet out in MN
Robbinsdale, US
Nov 19, 2011 4:25 am EST
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I to am another victim of Cigna, I am unable to work due to a progressive form of RA which has been non responsive to treatment with numerous other secondary disease complications. Upon my initial phone conversation the 1st question I was asked was does your Dr. think this will be a short or long term leave? I now realize that is their first determining factor for if we will be approved or denied. My reason for denial is my Dr did not supply enough evidence of disability. I asked them to please call my Dr to ask specifics and with much arguing they agreed and let me know that they are going the extra mile doing so. 24 hrs later I was informed my case was closed due to lack of evidence, I asked if they spoke to my Dr they said no we gave her 24 hrs to respond and they had not heard from her, I found out later my Dr was not in office that day.
I could go on forever with numerous unprofessional practices I have endured but it would take
far to long, but I will say I have contacted an attorney and my hopes are Cigna will not get away with this totally criminal business practice they are subjecting those of us that paid for what we thought of as security if God forbid we found ourselves in a time of need. Please to everyone else that Cigna is criminally victimizing in this way, get a lawyer now, stand up for yourself and all of Cigna's victims and fight! Let's all not let them get away with this.
Down, but not yet out in MN.

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Cigna International Deliberately Delay Claim Payment

Here's a letter I just wrote to Cigna. Sorry for the length, but the word needs to get out:

Cigna,

I cannot begin to describe the grief that the incompetence and apathy of your company has caused me. Anecdotal evidence STRONGLY suggests, and the shared experience of EVERY provider I spoken to indicates, that you guys DELIBERATELY delay claims. It's part of your ###ing business model. You factor in a percentage of people who will just give up after being denied so many times. Let me be clear: I am not one of those people. I pay for your ### insurance with the expectation, crazy as it might sound, that you will keep up your end of the bargain, and I WILL NOT stop until I am reimbursed the money that is due to me.

Here is a not-so-brief history of the fraudulent tactics Cigna has used to delay payment of my claim:

 I submitted 10 dates of service spanning from 10/15/10 to 5/27/11 over two months ago.

 Cigna Delay tactic #1: The claims were rejected because my provider had not included his taxpayer ID #. There is NO REASON for you to require it. I paid him; I'm the one that needs to be reimbursed. Monies he received from me are a matter between him and the IRS. But I acceded to your ridiculous demand, and the taxpayer ID was provided. Your representative assured me that I’d be reimbursed in a matter of days. Except…

 Cigna Delay Tactic #2: The claim was rejected a second time because Cigna claimed that my provider was a member the Value Options Plan. I don’t know where the hell you got that one, but it was ABSOLUTELY UNTRUE. My provider, Bruce W. Spring, doesn’t even take insurance. I insisted on staying on the phone with one of your reps while she called Value Options. A Value Options rep informed her that Bruce Spring WAS NOT a member of the Value Options network.

Everything should be okay, right? Smooth sailing from here on in, huh? I was even given the name and number of a Cigna supervisor – Allen Young; [protected]) – who promised to expedite the matter. He made it sound like he had a whole crew of people tidying up those claims for me, ready to throw them in the mail. Except…

 Cigna Delay Tactic #3: I needed to sign and fax a claim form stating the money was to be paid to me, not the provider – even though it says on the ###ing statement that the provider has been paid in full and that insurance companies should pay the patient (ME). Okay, fine. I signed. I faxed. But then…

 Cigna Delay Tactic #4: After not hearing from Allan for a while, he finally called me back to tell me that since parts of the statement I submitted were handwritten by the provider, I would have to provide Cigna COPIES OF THE CANCELLED CHECKS I wrote to Dr. Spring. This was no small task, but I sucked it up, downloaded PDFs of 12 checks I’d written and emailed them to him. This was Friday 11/4.

I heard back from Allan yesterday, 11/7, saying that he was still working on it, but had no idea when I’d be paid. We’re not talking a couple hundred dollars here. We’re talking almost $3500.00 of out-of-pocket expenses. We’re talking money I was counting on – money I was promised – to pay bills.

I see all the happy, smiley faces on your website, so it seems that you guys are somewhat concerned with brand image. Let me tell you what images are conjured in my mind when I think of Cigna: a steaming pile of ###, a cancer, raw sewage.

I’m submitting this note to your website, but I’m also submitting my experience to every anti-insurance website I can find. I WILL NOT STOP spreading the word until I am paid in full. You are a problem that needs to be fixed, and I swear to you that I will do my part to make sure it happens.

Sincerely,

George Richards

P.S. For those who’ve had similar experiences and would like to vent, I’m including the Cigna Supervisor’s contact information. I’m sure there are plenty of people who’d like to share their frustration with him.

Allen Young
[protected]
Allen.[protected]@CIGNA.COM>

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furious in indiana
Greenwood, US
Dec 06, 2011 1:02 am EST
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People need to go to the media over this company.

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Cigna International Everyone is giving me different information

Cigna informed by phone before I went ahead with the Final Partial (lower right side ) they would cover the whole amount for the partial to the Dentist ($792). Cigna paid to the dentist $529. When I went to the dentist they told me I had to pay $250. I was surprised! As I needed it, I payed. Immediately I phoned Cigna and they told me because they paid for the flipper in December (Temp partial) $267 they would not pay of the rest of the partial which is $267 (amount paid by me US$250). which I was never informed either by the Cigna or Dentist!

When I phoned CIGNA they told me they will look into it. I phoned again spoke to a Manager and they told me they are going to send the cheque $267 to the Dentist. Up to know nothing. I phoned again now they tell me they wont pay!and give me various excuses!

Am leaving to Brasil on Wed the 14th April (my mother is very sick) and wont be able to phone long distance. I wanted this problem to be solved before I go. CIGNA told me when I spoke to one of the Managers that they would take care of it righ away! Phoned again, again everyone gives me different information!

Some of the personnel in Customer Services hund up the phone, I phoned back irritated they she told me to calm down (repeating couple of times!) I told her just put me through a Manager!

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Clei Mize
, PH
Feb 09, 2012 3:42 pm EST

They are liars and they never tell the truth. they keep telling lies just to please the member. I am not satisfied with the kind of services they are rendering to their members. Just like my case I am calling US almost 5 times a day just for them to reissue the payment of my claims but until now they never done it.

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Cigna International STD Denial

My wife had surgery which resulted in a great amount of pain that she continues to life with. She went to numerous doctors over a period of months before the diagnosis was found to be a trapped nerve. While having to live with excruciating, continuous pain & trying to find the root cause of the problem; we had to deal with a company (cigna) who makes your life more of a living hell than it already is. Continuously asking for documentation & picking the doctors' words & phrases that justify their right of denial while completely ignoring wording that would not. Delaying, denying & hoping that you'll become so aggravated & demoralized that you eventually give up.
I honestly don't understand how these people can sleep at night knowing the misery they are causing people who depend on short term disability to live and then compounding it with enough paperwork from doctors that would keep a part time secretary busy - when they know they're just going to deny it anyway.
I haven't wished ill on anyone in years but I hope there is truly karma for all the people in cigna (esp Rachael Z) who have caused my wife & I so much stress & worry through all this. You are one ### company.

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Gina Siemski
, US
Jul 02, 2019 9:11 am EDT
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Cigna does pay its people to deny claims, that is their way of doing business and why they have such a high denial rate! google cigna ltd complaints and determine this for yourself.

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Gina Ski
, US
Jun 23, 2019 11:33 am EDT

I purchased Long Term Disability Insurance with CIGNA (LINA) for about 25 years prior to making a claim. The insurance was offered through my employer State Farm. CIGNA covered 2 years of my disability (after the 6 month wait), however now they are performing a two year review for any occupation. An IME (Independent Medical Exam) has been scheduled by CIGNA for me, even though Social Security approved my claim on the first review.

My medical records/history is very extensive, covering multiple surgeries and procedures in an attempt to try and make my conditions manageable; however they just keep getting worse. The pain is excruciating, it affects my sleeping, moods, mobility, relationships, everything in my life. It started out with Endometriosis in my mid early to mid-twenties, which ended up in a total Hysterectomy.

The Endometriosis developed into Fibromyalgia, which then also was complicated my Diffuse Small Fiber Neuropathy (diagnosed as a result of a Skin Punch Biopsy). This affects my bladder, causing incontinence which is unable to be helped by Rx medications as I am beyond that point. I can wear heavy adult protection, with a heavy pad, all meant for adults with Incontinence, but when stressed it has gone through all my protection, soaking my blue jeans, causing me to have to put a towel on my car seat to drive home. I have Mental and Cognitive issues, which are in large due to my Physical Conditions which are all predicted to stay the same or get worse. There is NO prognosis for the medical conditions to ever get better, and or improve.
From the voluminous amount of complaints by claimants about CIGNA on the Internet, I fully expect them to deny my claim as this is standard procedure for the company so their CEO, and VP's can make all the money they do being overpaid for denying valid claims as indicated by past State Insurance Department investigations, fines, rulings.
I have a Psychiatric Nurse Practitioner, Primary Care Physician, Rheumatologist, and Neuropsychologist who all support my disability and have written letters explaining the same along with what they are basing it on. I also have an Urologist who can support my Bladder/Incontinence issues, along with a prior Pain Management Doctor who after several procedures said there was nothing else he could do for me, as everything he could try was exhausted. I also provided a complete record from my prior Rheumatologist who I went to for years prior to my new one.
CIGNA (LINA) has immense amount of test results, history of countless failed procedures performed in an attempt to alleviate my pain and urinary issues with no success, record of past missed work, and medical history which all backs my claim as being legitimate. *It is amazing just how many times CIGNA claims to not have received documentation even though the medical provider or us have included the Incident Number with a cover sheet, and every other place we are sending that information has received it. Also how many times the Medical Examiners reviewing the documentation for CIGNA take only certain words or sentences from a claimants Medical Providers to bolster their case, IE CIGNA Cherry Picks what they want to use, and disregards what does not support CIGNA’s case.

For those suffering or those family members and friends going through this: I strongly encourage using this website as a means to voice your issues/concerns, along with writing your State Insurance Department and the Insurance Department for whatever state your disability policy was written in. Also writing the State Insurance Departments that previously investigated and fined CIGNA in the past Connecticut, California, Massachusetts, Maine, and Pennsylvania, as a means of letting those agencies know even though they cannot address your claim (if the policy and or state you live in is not in their jurisdiction) that things have not changed with CIGNA, so hopefully the States reinvestigate CIGNA and fine them again.
Your State Legislature, Local Official’s, News Agencies such as Daily Mail, CBS, NBC, ABC, ETC. are all worth writing, along with Social Media and CIGNA’s Executives (once you have your handling Reps Email Address then you should be able to figure out the Executive Email Addresses by using the same format). The more people that fight this Mega Company the more chance they will be held responsible for their crimes of greed, dishonesty, and Bad Faith Claims Handling all for The Powerful Almighty Dollar. CIGNA has a massive amount of Lawyers and Lobbyist to make sure the deck is stacked in their favor, so only through a mass effort can we hope to change Corporate America.
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Update:

The CIGNA rep called to advise their doctor (the CIGNA doctor) is waiting for a return call from one of my wife's medical providers, the Neuropsychologist, in the event we wanted to followup to make sure their call is returned. What is amazing is the letter from the Neuropsychologist is very clear regarding the medical issues preventing my wife from working.

We feel it is very clear as well that CIGNA contacts the medical providers even if no clarification is needed, in order to skew the statements received in in order to make them support CIGNA's predetermination, that EVERY ONE CAN WORK NO MATTER WHAT. PER CIGNA IF YOU CAN FEED YOURSELF, AND ANSWER THE PHONE, THEN YOU CAN WORK! ****Keep this in mind when you are looking into using them for LTD, and consider policies outside of what State Farm offers. Also I read the CEO David Cordani made around 49 Million in 2016.
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The IME is over:
The Dr. took 1/2, refused to take any of the paperwork/medical records and supports we brought with us. Said he had everything they needed. This was a JOKE.
Called the claims rep, she said they (CIGNA) take the limitations given by my medical providers, then reduce THE LIMITATIONS TO WHAT CIGNA FEELS IS SUPPORTED BY THE MEDICAL DOCUMENTATION (MEANING CIGNA CHERRY PICKS WHAT SUPPORTS THEIR STANCE) AND THEN SEARCHES FOR JOBS I CAN DO (EVEN THOUGH I CANNOT USE MY HANDS TO WRITE OR TYPE DUE TO EXTREME PAIN).
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My husband does all the typing for the complaints. CIGNA would have paid around $46K for the rest of the claim as the are paying $250 which is the policy minimum based on how much I collect from Social Security.
Bottom line: CIGNA Owns many politicians as the have many lobbyists and I am sure make many contributions to political campaigns to make sure the laws are in their favor.
Fight so others may not get screwed as CIGNA does not believe in paying what they owe, no more, no less!
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sp71292
Milford, US
Jun 18, 2018 9:52 pm EDT

https://wordpress.com/posts/doctorsabusingtheirposition.wordpress.com
this is my experience

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jbfirebird
nowhere, US
Oct 15, 2011 4:40 am EDT

although, i would imagine that you probably do have a legit case, there are crooked providers regardless. i am going to make a general statement that is not directed toward you. but, providers will do things to get a better outcome for the patient which is another form of fraud.
i see it happen pretty often with normal medical stuff. a provider will change diagnosis's and procedures to either help the patient pay less or to completely benefit themselves.
having a lawyer look at something really doesnt make anything true. hes an attorney not a doctor or anyone that deals with insurance. he will build a case with the information at hand and piece in anything else with smooth talking. lawyers have the ability to build cases without having to know insurance or all of the facts. the information you have, any lawyer can piece something together and make it sound good. lawyers are all about smooth talking and persuasion. in the end, they have only enough informaton to be dangerous and to pressure the insurance into doing something just to avoid court proceedings.

in the end, you have to remember that the person working your case is someone that really gains nothing from approving or denying your claim. they are taught how to look for things and need information to make an educated decision. it really is that simple. that person doing the review is not being coerced by any other factors. in fact, that person is practically a customer service person that works for a paycheck and goes home at the end of teh day doing the job with the guidelines they have to follow.

but, i cannot say it enough, all insurance companies have doctors on staff that review the information. if that doctor questions anything, the person that is doing your case is going to bring up that question as well. no one in the insurance field is medically trained so, they arent pulling this out of mid air. i again, cannot say it enough that the person reviewing it is not "the insurance company". people will generalize insurance companies as one big monster just as i would a lawyer. but, i think lawyers are bad because i havent worked in the legal system to see how it really works. which brings me to the real point. until a person works in the biz, everything that is told to them, although some may be true, everything that is said is complete heresay unless that doctor, lawyer, etc has actually worked in the field directly.
i cannot vouch for what Cigna is doing exactly because i dont know their appeal process. But, there are many things that are universal like required information and the actual people that review that information.
i get requests to correct claims all day. most of them are preventative. or at least, the patient thought so. but, what is recieved by the insurance is what is processed. nothing more nothing less. and yes, some of the escalations i deal with are legit reasons and we simply do what we can to fix our error. but, if information is needed, its needed. i hear the "i sent it already" all the time...sure, you sent something but it isnt what was needed/requested.

obviously, i can only assume things in your case. but, with what i have heard already, i am lead to believe that something is really missing.
i wish you luck. i know it sucks when you get stuck in the loop and i most definately have an open mind this. but, i would also have to wonder what is really causing this to happen.

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jbfirebird
nowhere, US
Oct 14, 2011 11:11 pm EDT

im not taking it personal, but it does irk me that people assume they know how it works just from the "heresay" that they get from friends, internet, doctors, etc. im simply trying to educate you in this. i am basing my words off of experience and not heresay or words spoken by someone else.

you may not think "My doctor was not going to lie and put his practice in jeopardy" by trying to defraud anything. But, what about the doctors that commit fraud daily. their patients would think that the world is as peachy as you think and say that their doctor wouldnt ever do anything like that either. but, since people are imperfect and greedy, it is a possibility.

"I do not think the insurance company is reviewing claims with the goal approving claims that are valid but looking for reSons to make them invalid. "
with this, it goes back to the representatives being cruel and punishing. the person reviewing it is basing everything that they are doing off of paperwork that is presented. i guarantee that if you had the ability to have a sit down and explanation session with the person doing the review, you would get a whole new understanding of what is needed or any of the reasons. right now, your just a third party hearing something that was told to someone else and may not be getting told the truth or the full story.
that "representative that is reviewing your information is following procedures. their procedure isnt to find a reason to deny something. it is going to be to question anything that can be questionable. there isnt a reason to question something if its 100% valid and complete. and yes, there will be multiple doctors that work with insurance companies. the people that work for an insurance company arent medically trained. it isnt their place to say that something isnt valid for whatever medical diagnosis or procedure. they will have a doctor review the information as well and consult. all major insurances have a physician consultant that is an MD. my girlfriend deals with an MD consultant all the time for fraud claims to verify the validity. in fact, if you look at job postings for major insurances, you will see job openings for those consultant positions.

its human nature to try to save face when they are wrong. is it possible that something wasnt faxed-yes ; is it possible that a fax wasnt recieved-yes; is it possible that the doctor isnt telling you everything-yes ; is it possible that the doctor is trying to save his reputation-yes ; is it possible that the doctor is being fraudulent-yes ; is it possible that this whole situation could be because the information isnt explaining enough-yes.
on the same token, yes, it could be complete incompetance of your insurance. but, you are focusing on the insurance thinking that it couldnt possibly be the fault of the doctor. and that is the part that really digs on me. people think that their side of the story couldnt ever be incorrect. ...as you will see in almost 80-90% of the complaints on this website.

im not trying to be argumenative by any means and i apologize if it seems like it. But, insurance, banking, law, arent easy subjects to grasp because of so many different procedures that are not seen. people usually only focus on the wrong being done to them. the person doing your review isnt being devious and doing this purposely. it would have saved the company money and manpower to have paid this instead of requring multiple reviews and research.

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jbfirebird
nowhere, US
Oct 14, 2011 6:37 am EDT

also to mention, if your doctor says "insurance companies are notorious for this" it sounds like HE has this issue alot.
when a physician has a red flag for questionable claim that are frequent more often than not, he may be getting watched for fraud.
the physicians that have a fraud flag are hassled alot with paperwork requests. keep that in mind also. that is only an educated theory, so dont take my word on it. but, that is a possibility since STD is a commonly abused system

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jbfirebird
nowhere, US
Oct 14, 2011 6:18 am EDT

i understand all of that. i deal with insurance on a daily basis. but, what doctors and a random person doesnt realize is that one persons conclusion can be incorrect. just because you are seeing one doctor, sure he may be right. but, he could be wrong. they would want to substantiate everything tied together. an MRI/ct scan, etc are going to show images of a possible problem. the doctors notes are going to back up his "theory".
there isnt a single person that is an internal working person that is 100% medically trained other than the doctors that that are hired to do medical claim reviews. i would stake my career on the fact that the doctor is questioning something that he sees in the informaton that is sent and questions why your doctor is coming up with what he is.

im not sure how Cigna works exactly, but when money is dealt with, they have to make sure it is going for a purpose.
I wont disclose which insurance i deal with, but i can tell you this, its not the insurance companies money that they are using to pay for claims. its the money that is put in by the employer and the employee (group insurance). when dealing with other peoples money, that employer expects the insurance to make sure money isnt getting expended recklessly.
the piddly amount of the claims that your dealing with, trust me its piddly, compared to the millions of dollars shelled out on a daily basis. i have seen 1 single check to 1 single provider that was almost 2 million dollars. think about it...they arent out to steal your money, as much as you would like to think so. i thought the same until i actually got into the biz. its far from the truth.
i would stake a claim on this to say that SOMETHING isnt adding up when they review your information. it isnt one single person that is going to be dealing with it nor is it just on a whim that they will deny something unless there is soemthign suspect.
My GF also works for an insurance company...seperate from me. she works in provider/patient fraud. neither me nor her could give a damn less about the claims that come in. obviously we do in the people aspect. but, when she reviews something, she is going to look at the information and base her decision on the informaton at hand. her approving or denying something has no effect on her. she doesnt get bonuses or anything of the sort. im in the same situation. the claims i see, all i see is information. i dont get anything out of doing anything differently. the people you deal with at an insurance company are there to make a paycheck and do the job they were hired to do. THEY DO NOT HIRE PEOPLE TO SIMPLY DENY CLAIMS FOR NO REASON. everything is based on information. you wont hear anyone say "im just going to deny this claim because i dont like them/ill get a bonus if i deny this/"enter diabolical reason here"".

it really is that simple. most people will only believe what their doctor says because their doctor would never lie. doctors are far from perfect and most problems are caused by their own billing department. but for short term disability, its something that gets abused alot and they have a reason why they have to ensure that it isnt fraud. fraud in the end, causes your premiums to raise. im sure you have a legit claim...not questioning that. but, to ensure that money isnt being abused, insurance companies will do their homework and request alot of information. i see it happen alot with chiropractic claims. insurance companies will almost always request medical notes because once it stops being therapeutic and not helping anything, they will deny it unless medical notes show progress.

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jbfirebird
nowhere, US
Oct 14, 2011 3:59 am EDT

if only insurance companies worked like that...it costs more money to try to do exactly what you think they are doing. doctors have no clue as to what is going on. if it wasnt for their billing department, they wouldnt ever get paid because they know absolutely nothing about insurance billing. Yet, they always act like they know about it.

with the days of technology, there is hardly any hands on claim processing. claims processing is handled by a computer system that automatically processes claims. claims may need manual review depending on what it is and that is where you will have someone review the claim, and process it with the need for more documentation.
but, did you know it is actually a doctor that reviews the information that they recieve? so, if a doctor is reviewing the information and saying it isnt legit, more info needed, whatever...what does that tell you?
the doctor that works for the insurance company does nothing but look over the information that they recieve. they dont deny the claim or anything of that sort other than to give feedback to the company as to what he determined from the written documentation.

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CallMeV
Jacksonville, US
Oct 14, 2011 2:35 am EDT

Yeah it's always a hard lesson one learns when they realize that insurance companies only maintain a facade of compassion, while ruthlessly guarding profit margins for their shareholders.

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Gina Siemski
, US
Nov 09, 2019 9:39 pm EST
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Replying to comment of

I purchased Long Term Disability Insurance with CIGNA (LINA) for about 25 years prior to making a claim. The insurance was offered through my employer.

CIGNA covered 2 years of my disability (after the 6 month wait), however now they are performing a two year review for any occupation. An IME (Independent Medical Exam) has been scheduled by CIGNA for me, even though Social Security approved my claim on the first review.

My medical records/history is very extensive, covering multiple surgeries and procedures in an attempt to try and make my conditions manageable; however they just keep getting worse. The pain is excruciating, it affects my sleeping, moods, mobility, relationships, everything in my life. It started out with Endometriosis in my mid early to mid-twenties, which ended up in a total Hysterectomy. The Endometriosis developed into Fibromyalgia, which then also was complicated my Diffuse Small Fiber Neuropathy (diagnosed as a result of a Skin Punch Biopsy). This affects my bladder, causing incontinence which is unable to be helped by Rx medications as I am beyond that point. I can wear heavy adult protection, with a heavy pad, all meant for adults with Incontinence, but when stressed it has gone through all my protection, soaking my blue jeans, causing me to have to put a towel on my car seat to drive home. I have Mental and Cognitive issues, which are in large due to my Physical Conditions which are all predicted to stay the same or get worse. There is NO prognosis for the medical conditions to ever get better, and or improve.

From the voluminous amount of complaints by claimants about CIGNA on the Internet, I fully expect them to deny my claim as this is standard procedure for the company so their CEO, and VP's can make all the money they do being overpaid for denying valid claims as indicated by past State Insurance Department investigations, fines, rulings.

I have a Psychiatric Nurse Practitioner, Primary Care Physician, Rheumatologist, and Neuropsychologist who all support my disability and have written letters explaining the same along with what they are basing it on.

I also have an Urologist who can support my Bladder/Incontinence issues, along with a prior Pain Management Doctor who after several procedures said there was nothing else he could do for me, as everything he could try was exhausted. I also provided a complete record from my prior Rheumatologist who I went to for years prior to my new one.

CIGNA (LINA) has immense amount of test results, history of countless failed procedures performed in an attempt to alleviate my pain and urinary issues with no success, record of past missed work, and medical history which all backs my claim as being legitimate. *It is amazing just how many times CIGNA claims to not have received documentation even though the medical provider or us have included the Incident Number with a cover sheet, and every other place we are sending that information has received it. Also how many times the Medical Examiners reviewing the documentation for CIGNA take only certain words or sentences from a claimants Medical Providers to bolster their case, IE CIGNA Cherry Picks what they want to use, and disregards what does not support CIGNA’s case.

For those suffering or those family members and friends going through this:

I strongly encourage using this website as a means to voice your issues/concerns, along with writing your State Insurance Department and the Insurance Department for whatever state your disability policy was written in. Also writing the State Insurance Departments that previously investigated and fined CIGNA in the past Connecticut, California, Massachusetts, Maine, and Pennsylvania, as a means of letting those agencies know even though they cannot address your claim (if the policy and or state you live in is not in their jurisdiction) that things have not changed with CIGNA, so hopefully the States reinvestigate CIGNA and fine them again. Your State Legislature, Local Official’s, News Agencies such as Daily Mail, CBS, NBC, ABC, ETC. are all worth writing, along with Social Media and CIGNA’s Executives (once you have your handling Reps Email Address then you should be able to figure out the Executive Email Addresses by using the same format). The more people that fight this Mega Company the more chance they will be held responsible for their crimes of greed, dishonesty, and Bad Faith Claims Handling all for The Powerful Almighty Dollar. CIGNA has a massive amount of Lawyers and Lobbyist to make sure the deck is stacked in their favor, so only through a mass effort can we hope to change Corporate America.

The CIGNA rep called previously to advise their doctor (the CIGNA doctor) is waiting for a return call from one of my wife’s medical providers, the Neuropsychologist, in the event we wanted to followup to make sure their call is returned. What is amazing is the letter from the Neuropsychologist is very clear regarding the medical issues preventing my wife from working. We feel it is very clear as well that CIGNA contacts the medical providers even if no clarification is needed, in order to skew the statements received in in order to make them support CIGNA’s predetermination, that EVERY ONE CAN WORK NO MATTER WHAT. PER CIGNA IF YOU CAN FEED YOURSELF, AND ANSWER THE PHONE, THEN YOU CAN WORK! ****Keep this in mind when you are looking into using them for LTD, and consider policies outside of what State Farm offers. Also I read the CEO David C made around 49 Million in 2016.

The IME is over: The Dr. took 1/2 hour, refused to take any of the paperwork/medical records and supports we brought with us. Said he had everything they needed. This was a JOKE. Called the claims rep, she said they (CIGNA) take the limitations given by my medical providers, then reduce THE LIMITATIONS TO WHAT CIGNA FEELS IS SUPPORTED BY THE MEDICAL DOCUMENTATION (MEANING CIGNA CHERRY PICKS WHAT SUPPORTS THEIR STANCE) AND THEN SEARCHES FOR JOBS I CAN DO (EVEN THOUGH I CANNOT USE MY HANDS TO WRITE OR TYPE DUE TO EXTREME PAIN).

My husband does all the typing for the complaints. CIGNA would have paid around $46K for the rest of the claim as the are paying $250 which is the policy minimum based on how much I collect from Social Security. Bottom line: CIGNA Owns many politicians as the have many lobbyists and I am sure make many contributions to political campaigns to make sure the laws are in their favor. Fight so others may not get screwed as CIGNA does not believe in paying what they owe, no more, no less!

CIGNA is a bunch of cowards who denied the LTD claim from this point on as it went from own occupation to any occupation. CIGNA has a high denial rate for such claims even when Social Security approves the claim.

We have requested a complete copy of the claims file under ERISA, and will file an appeal regarding their determination, along with seeking an attorney to see if the case is enough $$ for them to take it.

CIGNA also in many cases does not dispute the medical diagnoses, nor the symptoms, but disputes the restrictions. Per CIGNA they take your medical providers restrictions, then reduce it down to what CIGNA feels is supported by the medical supports, which is almost always in CIGNA's favor.

We will continue to fight this claim which is worth $36K from this point on. CIGNA will pay more than this in administration costs/cost of handling the file.

CIGNA also failed to perform an FCE which per the contact they are able to order.

Bottom Line: CIGNA is a group of "Bottom Feeders", if we could give them a negative start rating we would.

Until then we will spread the word in hopes this will reduce the amount of LTD Premiums they collect from other people in the future.

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Gina Siemski
, US
Nov 09, 2019 9:40 pm EST
Verified customer This comment was posted by a verified customer. Learn more

ConsumerAffairs.com are also a bunch of COWARDS!

G
G
Gina Siemski
, US
Nov 09, 2019 9:45 pm EST
Verified customer This comment was posted by a verified customer. Learn more

David.Cordani@CIGNA.com
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Eric.Palmer@cigna.com
CGIConsumerAdvocacy@Cigna.com
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Mike.Triplett@cigna.com
planoappeals@cigna.com
teamwclaim@cigna.com

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