is cigna medicare supplement good
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Is cigna medicare supplement good

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My words but this is the essence of the conversation. I do not want it, and I am going to check on other companies. I only take 6 pills a day and only one is of a higher price. I have complained to them but to deaf ears. They say it is my fault for not asking more questions. Second complaint already with E. My Dr. I called Cigna and told them that This is a very important drug for me, and did they have any to send out as it was really affecting me not to have it.

They said that they did have plenty but I needed to get my Dr to send a new Prescription directly to them. I called my Dr and he sent it out within an hour. A few days later I get an Email update that the RX was received, but the next step, Being filled was not checked.

This was now 10 days without my Med. I tried to call them, wait was almost 40 mins so I hung up. I tried several more times and no answers. I called another number and asked if they could somehow help me get an update.

I was sent over and got a robot, who kept wanting me to sign up with more programs, and would not take NO for an answer if I wanted to sign up. They wanted to do it right now, and I demanded to speak to a real person. I finally get the number and when it would answer, it would go dead. I did this about 6 times and finally got through. She said she would call over and see why it was not sent yet. I was on a dead line for 20 mins and she finally said that she changed it over to urgent and would get free deliver for being urgent.

She then said, on Tues, that it would be sent out on Monday. I asked if this was Urgent or just inability to get the job done. Nothing more I can do, so now it will be 3 and a half weeks of being without my Med.

So sorry I will have to deal with this next year,. What a nightmare this has been. After applying online, the commitment from Cigna was to provide an approval response within days. The agent informed us it would take another days after that before approval could be decided. Also, I handle most of my husband's medical affairs including insurance matters, but Cigna would not allow my husband to authorize me as a spokesperson unless I hold Durable power of Attorney for his health care matters.

This took one 7 minute phone call to complete. It's definitely worth a little extra expense to work with an efficient, reputable company. Want to avoid a stress headache? Stay away from Cigna. Get buying tips about Medicare Supplemental Insurance delivered to your inbox. Thank you, you have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations. I called twice asking if this was a discount plan or an insurance plan.

I was told each time "This is an insurance plan. That's how I found out it indeed is no more than a discount plan. I'm so glad I found out before they took any more money out of my account.

You get what you pay for! I've been in a Medicare Advantage Plan for 5 months and am trying to understand my medical benefits. I have called customer service about 5 times with questions about referrals and copayments, specifically to find out if Cigna has different copayments for 'independent' facilities versus outpatient facilities for a diagnostic mammogram and ultrasound.

I'm familiar with other insurances using both and know that the copayments can be very different, depending on where you get the services done. Every time I call Cigna, I feel completely dissatisfied and frustrated with the information I've been given and feel like I've wasted my time. The representatives seem very unknowledgable and are not able to provide any answer that's not straight off the website, which I've already read and called to get more details. I finally had her look up a facility for me and she confirmed that the copayment there would be 0, but I have no confidence that she really knew or even understood my question.

I asked another rep the same question and he said it depends on how it's coded and I'll know when I get the bill!

I've worked in customer service and know medical questions can be difficult because there's a lot of gray area, but I could usually rely on insurance companies giving me correct info. Cigna reps can't seem to answer basic questions.

I feel like they haven't been trained other than told to just give info from the website. I feel like it's a waste of time to call them and usually feel worse after talking with them.

I don't know who it is writing good reviews of this company. The customer service is horrible. I just spent AN HOUR on the phone with 4 different people just to get the name of an imaging facility covered by the company. And this is not the 1st time I've had trouble with them. I can't wait to be done with them. Open enrollment in Oct - just sorry I have to wait until to get rid of them. I am absolutely unable to file claims for service paid out of pocket because forms are not available online and HOURS of telephone calls and promises by Cigna to mail forms have been unsuccessful.

Hello Lisa, I apologize for the troubles you have encountered. I would be happy to assist. I learned that Cigna doesn't offer inhalers at Tier 1 or 2 levels. But the prize for price-gouging goes to the Brand and Generic medications which are priced at the same Tier 4 level.

One Part D Plan might classify a drug as a Tier 2 while another one might classify it as Tier 3, 4 or not cover it at all. In however, the U. CMS said Cigna did not handle complaints and grievances properly from patients who had been denied coverage for health benefits or drugs.

Officials also found problems with its list of covered drugs and said it did not handle its requests for prior authorization and exceptions as it should have.

Apparently, Cigna worked its way back into being a Medicare provider. Nevertheless, folks should be diligent and find out the exact copay every year for medications before enrollment every year during Medicare Open Enrollment October 1-December 7 annually. Nobody wants unwelcome surprises. I have spent hours on the phone with many, many Cigna people trying to get Cigna to honor my Doctor's bills from First they denied because they said they were not my primary insurance.

Previously I had been on my husband's Aetna plan from his employer. And ironically, Cigna has been paying his bills. They finally paid my eye doctor after 3 months and 3 denials. After several other calls and appeals filed, the last thing I was told was that the doctor didn't present the bill soon enough.

The doctor had to resubmit since the initial request was denied because they thought we still had Aetna. I had no idea this was happening until I started receiving bills from my providers. This is ridiculous that my physicians are having to wait months to be paid. Discount program: Cigna's Healthy Rewards program offers discounts to some members on fitness and nutrition programs, wellness products, and vision, hearing and alternative medicine services.

Mobile app: Members can access ID cards, coverage details, claims and other information in English and Spanish from the myCigna mobile app.

Cigna covers about , Medicare Supplement Insurance beneficiaries and has a market share of about 3. The following price quotes were obtained for three states representing above-average, average and below-average costs for Medicare Supplement Insurance, when compared across all plans and providers using pricing data from Medicare. Colorado: More expensive than average. North Carolina: Average cost for the U. Ohio: Less expensive than average. The sections below show pricing information from Cigna for a year-old female nonsmoker and reflect "base" pricing with discounts removed or factored out whenever the option was available.

Note: Some Medigap prices may be higher for males. For comparison, the table for each plan also includes the price for the least-expensive option to buy the same plan from other providers, based on information from Medicare. Fort Collins, Colorado. Greensboro, North Carolina. Sandusky, Ohio. Here are some discounts Cigna offers to qualifying Medicare Supplement Insurance applicants:. Available discounts can vary according to factors such as your location, household status and how you apply for a policy.

Medicare Supplement Insurance providers must report data on the premiums they collect and how much they spend to provide benefits for members. For comparison, the average for all providers is This is according to three years' worth of data from the National Association of Insurance Commissioners for Cigna and its subsidiaries that sell Medicare Supplement Insurance policies [6].

Here's how Cigna members can contact customer service:. Call a Medicare Supplement Insurance customer service representative at , Monday to Friday, from 8 a. Eastern time. Chat online with a member services representative, Monday to Friday, from 9 a. Contact Cigna through Facebook. Contact Cigna through Twitter. There are a few companies that weigh in on customers' experiences with insurers or the strength of the company in question, and we've included two here:. Ratings are derived from surveys that measure consumers' expectations and perceived quality and value of products and services.

ACSI measures satisfaction with the health insurance industry as a whole the benchmark isn't specific to Medicare Supplement Insurance. For comparison, the highest score was 75 and the health insurance industry average was AM Best is a credit rating agency that specializes in the insurance industry. An A rating in this category indicates that AM Best believes Cigna has an excellent ability to meet its ongoing insurance obligations.

Here's how Medicare Supplement Insurance providers compare with Cigna. Compare Medicare Supplement Insurance providers. Aetna Medicare Supplement Insurance. Anthem Medicare Supplement Insurance. Cigna Medicare Supplement Insurance. Humana Medicare Supplement Insurance. Mutual of Omaha Medicare Supplement Insurance. Cigna offers health insurance for individuals and families, dental insurance, Medicare Advantage and Part D plans, Medicare Supplement Insurance, and other insurance coverage such as whole life and cancer treatment insurance.

The company also offers insurance for businesses. Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan.

So when you shop, keep these considerations in mind to find the best policy to fit your needs:. Is your preferred plan available? What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates. Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.

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Another factor to keep in mind is the "guaranteed issue period". For the six months following your 65th birthday, you can get a Medicare Supplement Plan with no requirements beyond paying your premiums. By law, you can't be excluded for any health conditions, although your premiums will be higher if you're a smoker.

But, once that grace period concludes, insurers can require more detailed information about your health conditions such as diabetes or heart conditions, and you can expect your premiums and available plans to change accordingly. When buying a Medicare Supplement Plan, you have two basic routes: buy directly from an insurance company or go through a broker.

Going to an insurance company you already trust can be an appealing option. You'll typically find the best rates for that particular insurer. On the other hand, using a broker often gives you access to not just your favorite insurance company but many others.

So, with one process you can get the best rates from a number of providers at the same time - including that rate you got when you contacted the insurance company directly. Whether you decide to use a broker or to buy directly from an insurance company, it's wise to do your research beforehand. The last thing you want is for an eager rep to steer you towards a plan that doesn't fit your needs, so take the time to browse several providers' websites before getting in touch.

However, because Medicare rules state that all plans have to be sold in person or on the phone, you'll eventually have to speak with someone to finalize your Medicare Supplement Plan. We hope our in-depth evaluations help you save time and money by giving you the information you need to choose the best provider and plan for your needs! What's the difference between original Medicare, Medicare Advantage and Medicare supplemental insurance? Medicare itself has four parts.

Part A hospital insurance and Part B medical insurance come For some Medicare beneficiaries, a Medigap plan ends up being the best fit for supplemental coverage. Here's what to consider when choosing one. Debbie Dingell, could also add original Medicare coverage for routine hearing exams. This month heralds the end of 58 years of Medicare as we know it.

Designed as a public safety net for people 65 and older plus those with certain disabilities of all ages, this program has been Part A hospital insurance and Part B medical insurance Since you're interested in Medicare Supplement Plans, here are some other reviews you might find interesting. What is the best genealogy service? Throughout all of time, people have had a deep personal interest in knowing where they came from. Where can you buy the best gift baskets?

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Where can you find the best gift boxes? Do you love gift giving seasons but find getting all the presents ready for a big celebration is super stressful? Which products deliver the best tinnitus relief? Millions of people suffer from annoying, persistent ringing or hissing in their ears - so if you're one of them, you're not alone. Which women's shoe store is best? Everyone wears shoes, and their look and comfort matter.

Top Products. Top Reviews. Top Consumer Reviews. Is This It? How About This? Search Results. Cigna Review. See Plans. More Medicare Supplement Plan Reviews. United Medicare Advisors. Go Medigap. SelectQuote Senior.

Blue Cross Blue Shield. Medicare Plans. Health IQ. See all of our Medicare Supplement Plan reviews. The 11 Best Medicare Supplement Plans.

Continue reading below. What is Medicare Supplement Insurance? Medicare Supplement Insurance is additional coverage beyond traditional Medicare. Also known as "Medigap" , these plans cover some or all of the expenses that aren't covered by your basic Medicare benefits. Why do I need Medicare Supplement Insurance? I called my Dr and he sent it out within an hour.

A few days later I get an Email update that the RX was received, but the next step, Being filled was not checked. This was now 10 days without my Med. I tried to call them, wait was almost 40 mins so I hung up.

I tried several more times and no answers. I called another number and asked if they could somehow help me get an update. I was sent over and got a robot, who kept wanting me to sign up with more programs, and would not take NO for an answer if I wanted to sign up. They wanted to do it right now, and I demanded to speak to a real person. I finally get the number and when it would answer, it would go dead. I did this about 6 times and finally got through.

She said she would call over and see why it was not sent yet. I was on a dead line for 20 mins and she finally said that she changed it over to urgent and would get free deliver for being urgent. She then said, on Tues, that it would be sent out on Monday. I asked if this was Urgent or just inability to get the job done. Nothing more I can do, so now it will be 3 and a half weeks of being without my Med. So sorry I will have to deal with this next year,.

What a nightmare this has been. After applying online, the commitment from Cigna was to provide an approval response within days. The agent informed us it would take another days after that before approval could be decided.

Also, I handle most of my husband's medical affairs including insurance matters, but Cigna would not allow my husband to authorize me as a spokesperson unless I hold Durable power of Attorney for his health care matters. This took one 7 minute phone call to complete. It's definitely worth a little extra expense to work with an efficient, reputable company.

Want to avoid a stress headache? Stay away from Cigna. Get buying tips about Medicare Supplemental Insurance delivered to your inbox.

Thank you, you have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations. I called twice asking if this was a discount plan or an insurance plan. I was told each time "This is an insurance plan.

That's how I found out it indeed is no more than a discount plan. I'm so glad I found out before they took any more money out of my account.

You get what you pay for! I've been in a Medicare Advantage Plan for 5 months and am trying to understand my medical benefits. I have called customer service about 5 times with questions about referrals and copayments, specifically to find out if Cigna has different copayments for 'independent' facilities versus outpatient facilities for a diagnostic mammogram and ultrasound. I'm familiar with other insurances using both and know that the copayments can be very different, depending on where you get the services done.

Every time I call Cigna, I feel completely dissatisfied and frustrated with the information I've been given and feel like I've wasted my time.

The representatives seem very unknowledgable and are not able to provide any answer that's not straight off the website, which I've already read and called to get more details. I finally had her look up a facility for me and she confirmed that the copayment there would be 0, but I have no confidence that she really knew or even understood my question.

I asked another rep the same question and he said it depends on how it's coded and I'll know when I get the bill! I've worked in customer service and know medical questions can be difficult because there's a lot of gray area, but I could usually rely on insurance companies giving me correct info. Cigna reps can't seem to answer basic questions. I feel like they haven't been trained other than told to just give info from the website.

I feel like it's a waste of time to call them and usually feel worse after talking with them. I don't know who it is writing good reviews of this company. The customer service is horrible. I just spent AN HOUR on the phone with 4 different people just to get the name of an imaging facility covered by the company. And this is not the 1st time I've had trouble with them.

I can't wait to be done with them. Open enrollment in Oct - just sorry I have to wait until to get rid of them. I am absolutely unable to file claims for service paid out of pocket because forms are not available online and HOURS of telephone calls and promises by Cigna to mail forms have been unsuccessful. Hello Lisa, I apologize for the troubles you have encountered.

I would be happy to assist. I learned that Cigna doesn't offer inhalers at Tier 1 or 2 levels. But the prize for price-gouging goes to the Brand and Generic medications which are priced at the same Tier 4 level. One Part D Plan might classify a drug as a Tier 2 while another one might classify it as Tier 3, 4 or not cover it at all.

In however, the U. CMS said Cigna did not handle complaints and grievances properly from patients who had been denied coverage for health benefits or drugs. Officials also found problems with its list of covered drugs and said it did not handle its requests for prior authorization and exceptions as it should have. Apparently, Cigna worked its way back into being a Medicare provider. Nevertheless, folks should be diligent and find out the exact copay every year for medications before enrollment every year during Medicare Open Enrollment October 1-December 7 annually.

Nobody wants unwelcome surprises. I have spent hours on the phone with many, many Cigna people trying to get Cigna to honor my Doctor's bills from First they denied because they said they were not my primary insurance. Previously I had been on my husband's Aetna plan from his employer. And ironically, Cigna has been paying his bills.

They finally paid my eye doctor after 3 months and 3 denials. After several other calls and appeals filed, the last thing I was told was that the doctor didn't present the bill soon enough. The doctor had to resubmit since the initial request was denied because they thought we still had Aetna. I had no idea this was happening until I started receiving bills from my providers. This is ridiculous that my physicians are having to wait months to be paid.

I am sick of Cigna and when I am able am going to switch companies. Their OTC is the biggest rip-off. The Fitness plan gives a few options all a joke for example, gym passes are for one month only and have to be requested monthly. Just applying for these benefits requires clients an extreme amount of time to surf through for best and less costly options. Cigna prescription plan is just as frustrating and time consuming; nothing about it makes it easy to find the best options and cost for medications.

They just charge and allow vendors to charge you whatever they want. You have to find the cheaper options on your own. The Customer Service is almost useless in assisting you.

Medicare processing makes it all so easy and I get my report on payments making it clear.