Good Faith I live in the northern Philippines on the island of Luzon. I have been a Cigna Global Health Insurance individual policyholder for the last seven years. Last month, I was diagnosed with bladder cancer and had to have a procedure, known as a TURBT. I did it at a local out-of-network hospital near where I live. Prior to doing so, I contacted Cigna and was told that my out-of-pocket-expenses would be fully reimbursed in accordance with the terms of my policy. This was done without issue. I received the entire reimbursement, deposited directly into my bank account. It’s now a month later and I need to repeat the same procedure. This time, I will be doing it at one of the best (and, also, most expensive) hospitals in the Philippines, St. Luke’s in Quezon City, Manila. St. Luke’s is an in-network hospital that Cigna deals with directly. The cost will be twice as much as the first hospital. St. Luke’s international patient unit has been coordinating with the Cigna medical unit assigned to assist me with and, also, sign off on my treatment and hospital admittance. I am due to be admitted today. Cigna has just issued a Guarantee of Payment letter to the hospital, which relieves me of any worries about the bill being paid or my claim being denied. I felt compelled to post my Cigna experience in large part because of the overwhelming number of negative and angry comments about Cigna that have been made on this site. After reading some of those reviews during my first hospital stay, they caused me considerable anxiety and worry over what I might be facing now that I was sick and would be using my Cigna health insurance for the first time. My experience with Cigna contradicts all those negative reviews. These last six weeks have been the worst in my life. Cigna, however, deserves nothing but high praise. The company’s representatives have taken an active part in taking care of my health coverage and offering additional support, when the most precious thing I possess, my health, is being assailed. Cigna, its medical staff and customer service phone reps, have been nothing but great. I am very appreciative. Thank you.

Rude Customer Service Representatives Spoke to both customer service representatives regarding a claim number and they are both rude! They sound condescending and rude all throughout the call. They also sound as if they hate working. Those types of agents should be terminated. I even asked for a supervisor multiple times but they said there is none which is impossible. I want someone to contact me back as I want this to be escalated higher. Change the CSRs you outsource!

If I could I would give this very… If I could I would give this very dysfunctional heath plan 0 stars!!! The representative “Celida” hung up on me!! I would never give my business to them!!!, OR refer them to anyone!! American healthcare is so so dysfunctional!! I choose NOT to profit any American healthcare company!!

Denied MRI Even When Requested AFTER X-Ray Due To Trauma What is the point of having a doctor telling you (and requesting) an MRI for severe trauma when Cigna will deny it regardless, with no way to appeal the decision and then have then pass the buck to someone else. They cannot even have the decency to tell you on their website/app even though you receive an email stating there is an update. I had to find out just two days before my scheduled appointment. Useless insurance company, useless customer service staff and without the requested MRI, no specialist appointment to rectify the damaged joint.

Cigna Scam Artist With Claims my son to the nearest emergency room. Days earlier he had been to a Cigna approved urgent care. Had they treated him correctly we would not have been in the ER at 1:30 am with an allergic reaction causing huge hives and pain to his neck, shoulders, and hands. Apparently I should have gone to the further ER that was in network and took a chance on his airway being compromised and told him to just suffer with the pain. He was given several IV medications, monitored and sent home. Long story short they will not pay the doctor as they say he is out of network so Im sure they will not cover the visit. Cigna makes me ill. I don't know how these people sleep at night. 03/13/2024 I have sent an email twice with no response. Now I would give zero stars if it was an option.