CIGNA Corporation

Review: I have diabetes, severe depression, and anxiety. My eyesight is diminishing, I have neuropathy in my legs. I've had a recent suicide attempt. I lost my job. I made a short term disability claim in February. I was contacted for additional information. I called but could not reach the claim representative, so I left a voicemail message. After hearing nothing for over four weeks, I contacted Cigna and found out the claims representative had been changed. She wasn't in, so I left a voicemail message. My Feb. 20 claim was denied for lack of information on May 16. I appealed. My case was assigned to someone else. I received a letter saying a decision would be made in 15 days. More than 15 days later, I received a letter saying they needed 45 more days to make a decision. Finally, I received a letter dated Aug. 19 that upheld the denial of my claim. It did not appear additional information had been gathered. Originally, information was supplied by a nurse practitioner when my doctor left the practice. In my appeal I provided the name of my new doctor and urged them to request my entire diabetic medical history from 2000 to the present in order to show the progression of the disease. Also, after a suicide attempt, I gave them the name of my psychiatrist who I began seeing in addition to my therapist in May. I had saved three months of my salary, so I managed to get through the summer. Now,after paying premiums for nearly 17 years of full time teaching without my disability insurance, I am losing my house and car. I can't pay utilities so I am moving to sponge off of a family member. I have no health insurance, so my psych meds are gone. I want this on record because if I do not live through this horrific time, I want others to beware.

Product_Or_Service: Short & long term disability insurance

Order_Number: [redacted] Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want them to request my complete medical history from my doctor and I want my claim approved. I cannot imagine that diabetes which has gotten worse over the last 14 years does not qualify as a disability.

Business

Response:

Hello,Thank you for notifying CIgna of this complaint. We will be following up with the customer directly.Thank you,Nicole P[redacted]

Review: I am a diabetic CIGNA is the insurance agent I was having hardships and was working with a CIGNA life coach I was explaining to her I was out of insulin did not have any money she was trying to help me to my understanding she told me she had set up something with the home pharmacy where they would sen me a bottle of insulin to hold me over till I get some after I got the 1 bottle a while later I tried to get my testing supplies the pharmacy said they could not send any more testing supplies until I paid 150.00 for insulin I did not think or believed I owed we have been back and fourth about this CIGNA keep sending me letters about diabetes care when I talk to some they advise me about services like testing supplies and meds my insurance pays for the pharmacy refused to release on 10-3-14 I received a call from the pharmacy the Guy was so rude and bullying me about this payment he said I owe he went on to tell me I should been took care of this I had to tell him wait you don't me of my financial situation he bullied me so I was so nervous I had to hang up I call the company I think they don't car I want get this matter resolved I don't think I owe them 150.00 Cigna ID #[redacted] Group #[redacted]Desired Settlement: my testing supplies I am entitled ton that I pay for thru my insurance that the pharmacy wont release

Business

Response:

Thank you for this information. I will have this account reviewed and reach out to the customer directly. Thank you, Kelly M[redacted]

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: I canceled my policy via fax on 12/29/13. I deactivated the automatic draft for policy premium on the Cigna website the end of Dec - so that no further payments would be drafted from my account since I canceled the policy.

No January draft was made - so I assumed that all was taken care of.

On Feb 5, 2014 - over $2,000 was drafted from my checking account (the amount equal to 2 months of premiums). An email was sent to me - 13 days later on Feb 18, 2014 that the draft had occurred.

How did a draft occur on my account when I deactivated the account (it is still deactivated on the Cigna website - but funds where taken from my account)?

Why did it take 13 days to send me this email? Why did the email come at 8:09 pm CST - 1 hour and 9 minutes after the Service Center Closes?

Why did I have to spend 45 minutes to get to the first Customer Service Rep today - total 1.5 hours today!!!!!!!Desired Settlement: I want the money back in my account - promise to pay for any bounce check costs I might incur due to the unexpected $2100 draft.

I also want some compensation for my time - this has taken more than 2 hours today and last night to start to deal with. This has been a computer related issue on the part of Cigna - they have changed their website and reactivated and previously deactivated account (most likely to make their 1st Q Earnings look better) - who knows how many other people this has happened to - why did it take more than 45 minutes today to get to speak to the 1st Customer Service person?

Business

Response:

We have sent a response to the customer in regard to Revdex.com# [redacted]. The response was sent today.

Review: cigna lied and is rejecting out claim

Cigna said we needed authorization for my son's speech therapy for reimbursement. I called them on January 15th and they said it was active as of January 1st.

Then they rejected my claim and said they could not read the claim, they told me this twice over 4 weeks

Now over a month later, they said they never ever received the authorization and to do it again. this will take weeks for them to reprocess. their person on January 15th LIED TO ME. we sent it and they said they had it.Desired Settlement: admitting their person on January 15th LIED. maybe something for my wasted time. Firing the LIAR if they know who he is.

Business

Response:

Cigna has completed our review of this Revdex.com request and a final written resolution will be sent to the customer today, April 14, 2014.

Review: the Doctor [redacted] MD diagnosed me with skin cancer and was going to perform out patient Surgery but they require me to have somebody there with me and I am 61 yrs of age all my family are dead my best friend passed away so I have nobody so Cigna Refuses to perform my Surgery as out patient or in patient and I am very angry about this because if they are going to force someone to have someone there for the surgery if that person has no one they should provide someone or do the Surgery in the Hospital in-patientDesired Settlement: I would like them Cigna to do the Surgery and provide someone because I have no one or in the Hospital in- patient surgery

Business

Response:

Hello- This issue has been received and will be reviewed. We will follow-up directly with the customer. Thank you.

Review: Policy([redacted])since '98. Cigna canceled for non-payment.

I have had a policy([redacted])in effect since '98 and have always made payments on time. I moved 2 years ago and called twice to change the mailing address. Cigna said they would not change the address over the phone, I had to send it in writing. I sent 2 letters (no - I didn't keep a copy) and consistently changed the address on the return stub of the statement, also showing new address on my check. Cigna didn't change the address in system but post office continued to forward the bills and I continued to pay them. canceled for non-payment.

Apparently the post office didn't continue to forward the mail.

My father died June 17 and my brother in law died July 5th. I have been distraught and distracted. I didn't get the bill or notice it was missing. Cigna received a returned invoice on 6/25/14 stating the address was invalid. Even though I have had the policy for more than 15 years and paid consistently on time, they did not attempt to contact me but instead sent a late notice warning of cancellation (which I did not get). They then sent a letter on September 1 (which I got today with the old address on it) telling me the policy was canceled.

I called today and after 30 minutes in que (great service!) I spoke with Nicci N[redacted] today and explained that I didn't get the bills and didn't notice they were missing but that I would like to make up the payments and get the address corrected. She advised that they are not an outgoing call center and they don't call anyone when payments are late. They send a bill, a warning notice and then a cancellation only. She confirmed they did know the address was wrong and therefore I didn't see the bill or notice but said the only think I could do would be to apply for insurance again and she would send the application papers.

This is outrageous! Now that I have faithfully paid in all these years and they have gotten their money without having to pay a claim...they want me to apply for insurance again? With older insured and undoubtedly higher rates or hoops to jump through. I cannot believe this is the way they treat customers. I'm very upset and will tell everyone I know how they have treated us. Nicci was nice about it but firm in stating that was their policy and there is nothing she can do. I asked her to have a supervisor speak with me and she said none were available, someone would have to call back within 48 business hours.Desired Settlement: Reinstate the policy with the correct address and tell me what is owed to catch it up to current.

Business

Response:

Hello,Thank you for this information. We will be contacting the customer directly.Thank you,Nicole P[redacted]

Review: I was issued a cigna [redacted] and had $200 for biometric test. I requested to transfer to my [redacted] acc. But money is gone.

August 16th/14 I answer to the advocate with the copies of the letters I sent to Ms. T[redacted] regarding the $200 taken without my permission to pay for bills on 04/2014 and June 2014. I on December 2014, asked to have the $200 I never used or authorized to be used by anyone, to be transfer to the new insurance [redacted] but the money was never transfer. To my surprise the money was used to pay Dr [redacted] on April (i did not have any bills with this Dr. I paid them all and never got back to her since last year).Dr [redacted] I do not recall this Dr. neither. [redacted] I did paid my deductible and never went the hospital they did sent me to "[redacted]" due to incompetence to treat me there or at least that is what they said so to me. my problem was "My heart" so they say. However I never went to the Hospital. but they collected. Ms. T[redacted] I was by [redacted] and cigna; paid for bills to Dr. [redacted], and other Dr's, even though, she answered .

[redacted] would not pay any bills on a members behalf. We do not have authorization to do so and it is not part of our practice. There must be some type of disconnect with the information you are receiving. We need details regarding your call with Cigna to further investigate. Can you please provide the date and time that you called them and any information you received from the representative and we will request that Cigna pull the call log? All this was provided.

She also said You also have the option of calling Health Advocate to assistance. Attached is their brochure. But also said I did authrorized the use of the credit card. (I NEVER EVEN ACTIVATED THE CREDIT CARD)???

They did sent to me (HEALTH ADVOCATE )documents to sign and send to them So I did SIGNED AND FAXED. But only for the dates [redacted] master card and Cigna told Me the bills were paid. This advocate department as well as Ms. T[redacted] want me to sign and do not expired the date of use OF THE AUTHORIZED paperwork I authorized. AND for the dates they want not the once I was given. I do have the right to cancel or expired the authorization on my signed paperwork. so they stop working to find out why the money was taken without my permission. I do need the case to be investigated on the dates I was told the money was taken. not the years Cigna was not anymore the Insurance for me.

I sent another email asking if they are not the agency I can go through to investigate why the money was used without my permission to let me know who I can go through, but they did not answer me anymore. I want to have that money back I never activated the card so I never authorized anyone to use the money on that credit card. And I want that money back and put on the [redacted] account which is the new Insurance.Desired Settlement: I want them to stop acting as if I did not cooperated with them I signed the paperwork they sent to me, and faxed to take care of the refund. I did not authorized the use of the funds on the [redacted] Credit Card. I am paying for hospitals what I can afford since they did investigated the first claim they did not pay for me claiming it was a pre existing condition. Since 2008 by President Obama pre existing conditions were to be covered. but oh well. no one has to pay for me as long as I am paying m

Business

Response:

Hello-Thank you for forwarding this complaint to Cigna. We will follow-up directly with the customer regarding this matter.Thank you.Tanya H[redacted]

Consumer

Response:

---------- Forwarded message ----------From: Revdex.com of Metro Washington DC <[email protected]>Date: Mon, Nov 17, 2014 at 9:40 AMSubject: Fwd: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint #[redacted].To: [redacted] <[redacted]@myRevdex.com.org>---------- Forwarded message ----------From: [redacted] <[redacted]>Date: Sat, Nov 15, 2014 at 7:49 PMSubject: Re: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint #[redacted].To: "[email protected]" <[email protected]>i am so sorry to write to you again I do not have any answers or Cigna has not contact me at allWhat do I need to do next?thank you--------------------------------------------

Business

Response:

Hello-Thank you for sharing this complaint. I have reviewed the customer's concerns and show a letter was mailed to the customer at the address on file on October 31, 2014. A copy of this letter will be remailed today, November 25, 2014. Thank youTanya H[redacted]Cigna's Executive Office Advocacy Team

Review: My mother passed away Nov 2012 her father 2 months before. He had left an insurance policy to my mom and my aunt. My aunt got her share. Since my mom passed away and I'm the only survivor I've taken care of all of her personal items, she was not married, I am an only child. I have had zero problems with any other companies in proving all this. I have been given 2 different Cigna workers, both only giving their first names. The latest is [redacted]. I am being told that in order to get the share due to my mom I have to provide a "small estates affidavit issued by the state of [redacted] which reference [redacted] as the underwriting company".

My mom owned nothing of value. I have her car she did not own her own home or have any jewelry etc. She died in **. I live in ** state. I called the county records about the affidavit that is being requested and I was directed to a web site. On the web site it first says that 6 months need to have passed and that the affidavit needs to be notarized. In looking at Several different affidavits in the state of ** I can find none that reference the [redacted]. I then called a local notary and asked if an affidavit from out of state can be notarized here, the answer was no.

I called [redacted] at Cigna 4 times and explained this, Always getting her voice mail, that I needed to hear from her about my options, if it had to be notarized and that I can't find any referencing what she wants. She will not call me back. I received from her in the mail a letter saying the same as before about needing the affidavit by April 13, 2013 or else they would go on the information they have on file. The sum my mom was due is $625.00. For that amount it is not practical to go to ** to file a form. If Cigna wants a specialty paper that one can not easily get then they should provide it.

My aunt filled out all the paperwork telling them all the needed info, that my mom had just one daughter and when their father had died. listing my name, her name and my moms and had it all notarized and faxed and sent in the mail. I also sent to them a form with my moms death certificate and that she had no money and owned nothing.

After calling several times and never getting a call back to help with this problem I feel they are ripping off my mom and my grandfather. He paid for the insurance. I even mentioned that if there was a problem to just give all the money to my aunt!

I still have in my possession a letter copy, notarized, to Cigna from my aunt that was returned by the post office as return to sender address unknown. I called [redacted] about that too asking if there was another address to send them. The envelope was self addressed business returned (made) by them and the address is wrong so I hope that the address I have supplied will work. I picked the closest one.Desired Settlement: I want the money owed to my mom. I want them to provide ALL the needed paperwork so I can make that happen. I want a formal apology in writing, not an email. I want them as a business to return calls in a timely manner and not ignore people.

Business

Response:

Please note that a request has been made to the the customer for additional information. Once the additional information is received and reviewed a response will be sent to the customer and the Revdex.com website updated.

Thank you.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

Review: Cigna holds my account for Dependent Care flexible spending account, and refuses to pay my claims based on receipts submitted.Desired Settlement: I want them to process my claim as it was submitted and have been accepted in the past.

Business

Response:

Please note that [redacted]'s request is still under review, upon completion a response will be sent to the customer and the Revdex.com website updated.

Thank you.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because: It says they havent done anything.

Regards,

Business

Response:

Our final response to [redacted] was sent on 4/24/2013 by mail. without written authorizatin we can not release the results to the Revdex.com. Upon receipt of our response [redacted] has the option of advising the Revdex.com. [redacted] also has the option of contacting us. Thank you.

Review: My wife called in to order medication from Cigna Home Delivery Pharmacy on April 29, 2013. The copay amount should have been $25.00 for the medication. Cigna Home Delivery Pharmacy did not process the order until May 2, 2013 and charged $125.00 for the medication. I feel they waited to process the order until after my new policy kicked in on May 1, 2013 so they could charge the new $100.00 deductible. I called on May 7, 2013 and spoke to a supervisor named [redacted] and she said they could split the $125.00 charge into three equal payments of $41.66 to defer the cost. This is still costing me a $100.00 for them to wait to fill the prescription until after the plan change. I called back on May 7, 2013 and spoke to [redacted] who said she was a Subject Matter Expert and said she would remove the $100.00 dollars from the charge and I could pay the $100.00 later. This still does not resolve the issue of them wanting to charge me a $100.00 more for the medication since they waited to process the prescription.Desired Settlement: I would like for Cigna Home Delivery Pharmacy to refund the extra $100.00 dollar charge and not require me to pay it later. I feel it is their fault for waiting to process the order.

Business

Response:

Hello,

Cigna has received this complaint and will work directly with the customer to resolve. Upon completion of research, Cigna will present its findings to the customer.

If you have any questions, please do not hesitate to contact me at [redacted]

Thank you,

Review: I was a customer of Cigna insurance under [redacted] City Schools (now [redacted] County Schools). I was pregnant during the term of my employment with the school system and my care was under Cigna insurance. In lost my job with the school district, but retained the insurance with Cigna in August of 2013, by paying for the service out of pocket. My purpose in doing this was to ensure that my daughter's birth was covered. I was told by several customer service representatives that my daughter would be covered by Cigna for 31 days after her birth. The Cigna website also states:

"24. Are maternity benefits covered under the CIGNA Plans? Maternity benefits are not available in most states. Complications of pregnancy are normally covered in most states. A newborn is automatically covered under the policy for 31 days and can be added to the policy during this time."

I thought it would cover at least my daughter's birth, but it did not, not even her first doctor's appointment. I called Cigna on August 6, 2013, to report that my daughter was born so that here coverage would start, I also contacted [redacted] City Schools. I was informed that she was covered for 31 days and there were no stipulations about her birth being paid for. However, on August 9, 2013, when I took my daughter to her first doctors appointment, I received a bill stating that she was not covered. I called Cigna and was told that I need to contact the school system again, which I did and she was supposed to be covered for 31 days. No were in the above statement does it say that I have to add my daughter to the Cigna insurance for her birth to be covered, but that is the story that I am getting from Cigna, and I have received two bills totaling over $6,000.00, for her hospital medical care. Cigna did not pay for anything that was under contract for my daughter and their excuse is that because she was not added to the plan, which even they say I had 31 days and the statement does not find that I have to add my daughter to Cigna but that I "can". I called Cigna several times to handle this matter but have been receiving the same computer generated statements from the customer services representatives. I payed $521.00 to maintain my insurance for my daughter's birth in the month of August 2013, because I wanted to insure that we both had coverage for at least her birth.Desired Settlement: I would like for Cigna insurance to pay the bills for my daughter's birth. She was covered for 31 days and my insurance with Cigna ended on August 31, 2013, therefore, she and I were covered. I would like Cigna to pay for my daughter's bills dated August 5, 2013 through August 10, 2013, I will cover any expenses after this date. I have copies of the bills from [redacted] and [redacted] if Cigna claims to not have them.

Business

Response:

Additional time is needed to research the issue. Written communication has been sent to the customer.

Review: I canceled my CIGNA coverage on December 19th, medical and dental, in short because agents had lied about what doctors would actually be covered in the 2014 Health Pool Coverage. The confirmation number [redacted].Upon cancellation, I was told a refund for the actuation fee would be rendered, $115.36, within 5-7 business days. As of January 9, 2014, no refund has been issued. CIGNA is attempting to debit my account today for $35 dental coverage which was also cancelled on December 19th. I have spent over 30 hours on hold with CIGNA trying to get these matters taken care of. I was assured last week after a 4-hour call process that I would receive a call from a supervisor, which has not happened. After finding the attempted draft today, I have been on hold with the company for two hours to try and find someone that will actually help resolve the issues. They continue with empty promises, transfer to the Health Pool randomly when they can't help with the problem, and the process begins again.Desired Settlement: I would like an IMEDIATE complete refund for the cancelled policies, plus reimbursement for the gargantuan amount of time this process has taken because they cannot, will not, do what they are supposed to do. Case in point, I called CIGNA about this issue, explained the process, was put on hold and transferred once again to the Marketplace. THE MARKETPLACE DOES NOT ISSUE REFUNDS, CANCEL A DENTAL POLICY OR ANY OF THOSE MATTERS. THE MARKETPLACE CANNOT RESOLVE THIS ISSUE.

Business

Response:

Thank you for the information. I will review the complaint and reach out to the customer directly.

Thank you,

Review: Cigna lost my check, then cancelled my policyAfter I provided them with proof of check, tracking numbers, extafter weeks no answers
Start date was supposed to Jan said by Sales Rep.Turns out they started my policy in mid December 2013( when I was still going through the application process and still didn't even have health insurance) which made my payments late already in January and was told my payments were past due by over
They then gave us days to pay our "late" payment and canceled our policy and to pay by February 20thAs soon as I found the information out I went straight to store and made payment as directed on February 12thI made a money order, had it sent priority mail with a tracking number, it was delivered on February 14th and has Not been cashedTo my knowledge that means its been delivered days ago and they still can't locate it and will not renew my policy and I am uninsured and can not take my children to a Much needed doctors appointment because of their mistakesAccording to them it should take 2-business days to process a checkit has been They then requested I send in a fax of proof that I sent in a money orderSo I sent in the receipt from the post office with the tracking number on itAnd the money order stubAnd they still have no answer for meI have called numerous time to try to figure out what is going on, and sales representatives all are not helpfulIf I want I can request to speak to a supervisor in 48-hours?!? They keep repeating same info and refuse to let me speak to a supervisorI have been hung up on times on febIt seems to me like they are stalling to try to figure out what happenedWhy do I have to wait on my time? I should have my health insurance back while they figure this out on there time.Desired Settlement: I want my policy reinstated so I can go to a doctorThat is all!
Business
Response:
Please be advised that a final response was sent to customer [redacted] on today 3/17/via mailPlease allow mail time for receipt
Thank you

Review: Cigna provides short term disability benefits, but they make every effort to delay the approval of the claim which delays get a check issued for the consumerI believe my Claim# [redacted] was delayed purposely by the claim manager [redacted] Ext [redacted] and her manager [redacted] Ext [redacted]Contact phone# is ###-###-####They expect you to do all the work to get your benefits, but they don't have ways to verify it was received and being processed in a timely mannerI was on medical leave due to severe anxiety attacks and the stress caused by misinformation and delays in the approval and check process caused me more mental anguishAll their calls are supposed to be recorded for quality assurance so they should be able to pull the tapes
I called [redacted] Ext [redacted] Mon 4/at 11:AM to confirm she received the paperwork for the two week extension on my medical leave[redacted] said I'm sorry I was off last week and I'm behind on my clai** so the fax from your doctor could be with a different claim manager and I won't be able to confirm it has arrived for 2-business days so please call back[redacted] clai** my doctor's office/medical records department is to blame for the delays in processing my claim, but I drove to the medical records office and she showed me the fax confirmation to Cigna
I called back later that week Thurs and spoke with [redacted] Ext [redacted] and she said there was no record of medical leave extension paperwork from my doctor in my claim notes so please call back in 2-business daysShe also said the medical claim fax machine is located in a different area of the office, so when the paper work arrives it gets scanned and sent to the claim manager
I called again on 4/and spoke with [redacted] Ext [redacted] and finally I found someone who was helpfulShe said there is no paperwork in your claim file, but maybe I can help youShe had me contact the medical records department and fax it to a machine near her deskShe then contacted the medical records department directly to make sure she had all the paperwork needed to submit the claim for a medical leave extensionUnfortunately the paper work went back to [redacted] Ext [redacted]She called me Thurs 4/at 5:PM to let me know they needed more information from a different doctor to get my claim approvedWhen I called back the office was closed and her out of office stated she would be out of the office until 4/28/The following day was Good Friday and my doctor was out of town, but I called Cigna to ensure the documents were faxed to her office so she could fill them out on Monday when she returnedThe following Monday 4/my doctor called to let me know she faxed back the informationI called Cigna but no one answered at their office so maybe they were closed and forgot to turn on the messageI called back again on Tues 4/and they finally said my claim was approvedSomeone "accidentally" closed my claim due to DEATH instead of return to work, so the check was delayedThey claim the file was corrected to return to work and the check was re-issued but it never arrived
I have no money because I'm on medical leave and the Cigna short term benefits is my only source of income for weeksI called back again and left a message for [redacted] Ext [redacted] to see if the original check allegedly mailed from PA to MI on 4/had been cancelled, re-issued, and expedited to my homeThey said it was being shipped day priority 4/30, but the tracking # she provided when I called today indicates the letter won't arrive until 5/5/which is days after my rent is due! I have to pay late fees starting 5/and they keep increasing the longer you don't submit payment to the lease management companyThis has been the worst experience with a company I've ever experienced in my entire LIFE!Desired Settlement: I would like restitution for the time and stress they inflicted on me during my medical leave for severe anxietyI did all the hard work trying to get this claim processed and they kept blaming me & my doctors for delaysThey need to take responsibility for incompetent processes and claim managers causing the delaysI want to be reimbursed for my phone bill, late fees for bills, and gas money since I spent 2-hours a week during my medical leave going to the medical records department and on the phone trying to get the claim approved and check mailedI had to call Cigna on so many occasions that I used all my cell phone minutes and had to call to beg the customer service rep at [redacted] for emergency minutes so I didn't have to pay overage fees
Business
Response:
May 12, 2014Dear [redacted]:We are writing in response to your correspondence dated May 2, 2014, and in follow up to our e-mail exchanges regarding **[redacted] and her claim for Short Term Disability (STD) benefitsAs we indicated, **[redacted] was covered under her employer provided self-funded group STD plan [redacted]This plan was administered by [redacted]).**[redacted] raised some concerns that her STD benefits have been improperly delayed and requested reimbursementWe would like to take this opportunity to address her concerns.With respect to **[redacted]'s employer's, [redacted], Inc., STD plan, in order for benefits to be payable, her condition(s), as documented by her medical findings, needed to support why she was unable to perform the material duties of her Regular OccupationThe policy's "Definition of Disability/Disabled" lays out these requirements and is defined on page of the enclosed plan.We initially received **[redacted]'s STD claim on March 13, 2014, and after seeking and reviewing updated medical information from her treating provider it was determined the information on file would support her restrictions from work through April 7, 2014, which was the date her provider released her to return to workAs explained to **[redacted], if she remained out of work beyond this date, updated medical records would need to be reviewed before any other benefits are payable.On April 21, 2014, updated medical records were received that supported **[redacted] remaining out of work to her new release to return to work date of April 21, On April 22, after her medical review was complete, **[redacted]'s STD claim was closed, and a final check was released for $1,This check represented benefits from April 7, through April 20, 2014, the date beforeshe was released to return to workOur review of this information, also confirmed that on May 6, 2014, **[redacted] successfully cashed this benefit check.We acknowledge **[redacted] feels she is entitled to reimbursement for time spent waiting for our decisionHowever, her employer's STD plan does not allow such a reimbursement request to be completedIf for some reason, **[redacted] has accrued any medical expenses due to [redacted]'s request for ongoing supporting documentation, we will gladly submit repayment for these expenses once an invoice is provided confirming the amountShould **[redacted] have any specific questions regarding the reimbursement of these invoices, she can always contact her Claim Manager, [redacted], directly at [redacted] for further assistance.Thank you for allowing us this opportunity to respond to **[redacted]'s concerns and we hope you find this information helpfulDue to the volume of the supporting documentation, it has been mailed to your attention under a separate coverShould you have any further questions or require additional information, please do not hesitate to contact our office.Sincerely,

Review: I have a flexable spending account with my employer through Cigna Cigna Choice Fund PO Box [redacted] TN [redacted]

My card was lost and I have called to have a replacement card sent to me and have been told repeatedly that their computers are down and they can't access client information. The number I have been calling is to call if your card is lost or stolen. I have called on these days and times:

October 27 between 11 and 12 central time

October 28 between 11 and 12 central time

October 30 between 11 and 12 central time

October 31 between 11 and 12 central time

November 3 between 4 and 5 pm

November 5 1:45. I was again told that the computers were down. I called back the main cigna number and stating that I had called 6 times and could not get any information. The person I spoke to transferred me to took my information and promised a card would be sent. I asked to verify her phone number and it was the same number I have been calling since last week. But she was able to look up my information. I do not believe she took down my information, and do not believe she will send me a card for my medical flexible spending/ I have $1200.00 that I have to use before 12/31/14 or Cigna gets to keep it.Desired Settlement: All I want is to receive my FSA card

Business

Response:

Thank you for this information.Upon review, the [redacted] Debit card for the Flexible Spending Account has been issued as of November 5, 2014. It will arrive in the mail within 7-10 business days of the issue date. Correspondence will be sent to the customer addressing all concerns. Thank you,Nicole P[redacted]

I have catastrophic tinnitus and have been unable to work for the past four years. I have diagnoses from my EMT, Gp, neurologist, audiologist, acupuncturist and others. All are in agreement that I am not fit to work. Cigna has rejected my claim and then ultimately approved it after a nine month battle for my last two appeals. Once an independent medical review team is called in which takes 6 to 9 months my case has been approved. Then Cigna in as little as three months can review the case and again decline coverage. Each time I spend thousands in legal bills to challenge the denial. Given the catastrophic nature of the condition and the exhaustive paperwork filed Cigna ultimately has paid. Their behavior is driven by cost savings and excluding clients such as myself who are disabled. My only advice in dealing with CIGNA is hire yourself a lawyer immediately even before you filing your first claim. Expect that they search for anyway to keep from paying, including perhaps waiting for you to die. This company should be shut down. Its practices are egregious and injurious to those who have paid for disability and receive little but grief in return. If you have any choice in your disability insurance company, do NOT choose Cigna. The mafia probably offers better coverage. My case has just been denied for the third time. If I could sue these b.....s into bankruptcy I would be happy to do so. They deserve no less.

Cigna Dental is very misleading. On my first visit I had some basic restorative done and they covered none of it because I was 1 day shy of the 6 month waiting period. I was not aware of the waiting period as it was buried deep inside the policy information, had I known I would, of course had waited another day or two to go to the dentist. So I ended up paying the entire bill myself. Then a month later I returned for a cleaning and they only paid about 40 dollars of my 185 dollar bill, apparently my chosen dentist was not on their preferred list, which when I searched their site for a provider it made me believe he was in their network and that my cleaning would be 100% covered. I appealed the decisions on both but that was just a formality I believe to keep me quiet for a month or so, but in the end both were still denied. If you need dental insurance look at another company and consider just putting the premium into a saving account and use it as you need it, you will come out better that way.

Review: I have had six providers submit claims electronically to Cigna since December 2012. Every single claim has been rejected, saying that my i.d. can't be found. My providers have resubmitted to no avail (I am definitely covered). I contacted [redacted] and participated in a number of 3-way phone calls between [redacted] and my providers. Finally [redacted] told my providers that something is wrong with Cigna's electronic claims system. Now I am getting bills from all my providers for services insurance should be paying for! On top of that, I'm paying for insurance! For what? I don't know because they aren't covering a single thing!

Product_Or_Service: health insurance

Account_Number: [redacted]Desired Settlement: 5/24/13 TCH: not sure why consumer filed this here but I checked and their address is closest to the Denver Cigna office. I think this should be transferred to Denver.

DesiredSettlementID: Other (requires explanation)

I would like Cigna to fix their electronic submission system and then take it upon themselves to contact my providers and obtain the claims they have attempted to submit several times. I will be happy to provide Cigna with my provider contact info if they do not have record

Consumer

Response:

From: Revdex.com of Metro DC and Eastern PA <[email protected]>

Date: Thu, May 30, 2013 at 8:52 AM

Subject: Fwd: complaint #[redacted]

To: [redacted]

---------- Forwarded message ----------

From: [redacted]

Date: Wed, May 29, 2013 at 3:15 PM

Subject: complaint #[redacted]

To: "[email protected]" <[email protected]>

Hello,

I’m writing in regard to complaint #[redacted]. I believe my issue with Cigna has finally been resolved with the help of a different advocate.

Thanks,

Review: I am the policy holder on this insurance policy and my wife is also on this policy as secondary coverage. My wife went to [redacted] from 1/28/2013 to 2/12/2013 and this bill appears to be processed incorrectly for the $60 charges for DOS 1/28/2013 to 2/12/2013 and the $75 charge appears to be processed correctly. Other $60 charges for this provider for this date of service appear to be processed as an original charge of $60, a co pay/deductible of $35 and my plan would pay the $25 on this claim such as date of service 3/8/2013. For dates of service 1/28/2013 to 2/12/2013 the $60 charges are processed as an amount not covered of $27.90, amount covered of $32.10 with that being our copay. With other $60 charges for the accupuncture charges the amount not covered was $0 and therefore Cigna would pay $25 to the provider. For charges DOS 1/28/2013 to 2/12/2013 these charges do not appear to be processed correctly. Please reconsider these charges and process these correctly such as DOI 3/8/2013 for the exact same [redacted] care received in the past.Desired Settlement: Please process these charges correctly so the provider gets paid the $25 they are entitled to so the provider no longer sends me a bill for $125 that should be paid by Cigna. Please send payment to [redacted] for these charges. Please note that this insurance plan is secondary and [redacted] is primary and please consider this when you reprocess these bills.

Business

Response:

Update for Revdex.com# [redacted]

We are actively working to resolve this issue. We have been in contact with the health care professional that rendered the service to determine next steps. We hope to bring this to resolution within 7 business days.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because: I would like an answer regarding if the above claim will be processed for further payment or denied

Regards,

Business

Response:

A response will be sent to the customer today regarding Revdex.com # [redacted]. An adjustment was made to the claim yesterday.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: On September 3rd 2014 I called and authorized payment to my mother's account for delivery of her medication to Cigna for the amount of 38.20 (home delivery Pharmacy) On September 5th Cigna charged my card again ending in [redacted] for 38.20. My mother and I called back on 9/6 regarding the charges made on 9/5 and were informed that it was and error and my money would be credited back on that Monday which was 9/8. I didn't receive my credit so I called back and was informed that the representative told me he couldn't look up charges for today, but if I fax a copy of my bank statement showing the charge then they would credit me my money back. On Tuesday 9/9 I called in twice after I faxed the bank statement. I was first told that nothing could be done for 48 hours after the fax was received. The Expert explained that she didn't see the fax but would research the charge and tell me what happen. She ([redacted]) told me that the information showed the two charges and she would go in in put the request in for me to receive my money and it should be returned on Wednesday. I waited until Friday and still hadn't received my money back. I called and went through the same discussion with the customer service person and she explained that she would resubmit the request and I would get my money back.Today is Monday and I still haven't received my money. The person I spoke today explaiend that she say were the request was submitted, but it could still take a week to process the refund. ([redacted]) is the person I spoke to on today and I am concerned because everyone has a different story and I just want my money back.Desired Settlement: I would like my money back and apology for all the run around I have had to endure over the last two weeks.

Business

Response:

Thank you for this information. I have reached out to [redacted] and was advised refund was received. Thank you, Kelly

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,