Mike R.

QUITE POSSIBLY ONE OF THE WORST INSURANCE COMPANIES, I have Cigna PPO Preferred through my employer and pay extra for the higher tier. Well that doesn't mean anything, everything with Cigna is denied by their evaluating company "Evicore." My 18 year old son had an injury to his hip and saw an orthopedic who referred him to physical therapy, Cigna/Evicore denied it saying there was no medical necessity, after appeal was approved, co-pay was $600. My son was sent for an MRI, was originally denied and after appeal was approved, co-pay was $400. Multiple medications denied, not covered even after my physician sent in several requests for authorization. My wife has suffered from severe back pain and sees a pain management physician and gets epidural injections every 3-months, every time the physician submits for authorization, comes back denied and requires a peer-to-peer review, even after having documentation of her condition from multiple MRIs, orthopedic and neurosurgeon. Typical co-pay for an injection, $1,200. I work for a large medical device company and have submitted multiple complaints regarding Cigna asking to give employees another option besides Cigna. **If you have the choice of choosing another insurance provider besides Cigna do it, you will be extremely frustrated and disappointed with the service and coverage you receive.

**UPDATE: 10/30/2021**
Cigna continues to be the worst insurance company, after being contacted by Lance F. States sorry for denials but they have been because they requests don't meet Cigna's policy for treatment. This is what people need to know about Cigna, is your policies are to deny, deny and hope the member just gives up and does not seek further treatment. After talking to Lance F, this week regarding my healthy 19 year old son who was denied physical therapy for a sports related injury after recommendation for physical therapy by two orthopedic surgeons and physical therapist, I received a letter from American Specialty Health on 10/28/2021 notifying me they are approving 6 sessions of physical therapy--FIVE MONTHS AFTER IT WAS REQUESTED, FIVE MONTHS! One of the most ridiculous things I have ever seen, Cigna should be embarrassed just sending that letter out. My wife's procedures still continue to be denied and are on appeal, even after 40+ pages of physician notes, multiple MRI and consultations with multiple pain management physicians, orthopedic spine and neurosurgery.

THIS is the kind of coverage you can expect with Cigna, have better coverage with Kaiser or any of the Blues. Don't be fooled by they hyped up "Cigna PPO Preferred," just a marketing ploy.