CIGNA Corporation

Review: In December I went on healthcare.gov's website to see if I could get a better price on healthcare. I qualified for Medicaid which became effective Jan. 9, 2014. I sent a written notice to Cigna in March asking them to cancel my policy and reimburse me for the re-occuring drafts. Jan -March. I also went on line to Cigna and canceled my re-occuring draft. I continued to receive billing notices. Last week when I got a letter that they would cancel my policy for non payment; I again wrote a letter with the same request. This time I sent it to ATLANTA and CHATTANOOGA. Again, no response from the company but I wake up this morning and they have drafted my account for another $744.00 without my permission.Desired Settlement: I want a refund for $1860.00

Months drafted Jan.-March $1116.00 previously requested

Draft taken without permission $744.00

I will be calling as soon as they open today 5/5/2014

Business

Response:

Cigna has completed our review of this Revdex.com request

and a final resolution has been communicated to the customer.

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: All though I'm appreciative that they refunded the money that they drafted out of bank account without permission also the 1 month refund. I feel they caused me undo stress and hardship by keeping my money for almost a month and not responding to my first cancelation notice.No one asked me if I was happy with their decision. They justmade one and notified as to what it would be.

Review: I purchased Cigna Dental coverage effective May 1, 2014. While researching plans, I explained to the representative that I needed a benefit that covered Orthodontics. Before purchasing the plan I told her that I had a child just coming out of braces and a child that was still in braces. She advised me that there was a plan which did cover Orthro. She never mentioned a waiting period on the benefits being paid on the Orthodontics. I received a bill from [redacted] showing a balance of 348.00. No claims have been paid by Cigna, to date. [redacted] states that Cigna informed them there is a 12 month waiting period before any benefits will be paid on the braces. I am requesting a full refund from May 1st to October 31st totaling 480.00. I was told that I can receive my premium back for only 30 days. I've sent 2 letters Certified Return Receipt to the CEO of Cigna David Cordani and the Vice President with no response to date. They were signed for on 11/03/2014 by Louis Uicello. My son's braces are now in jeopardy for non-payment, he can't be seen again until the balance of 418.00 has been paid. This has been a bad experience and poor customer service, not to mention a CEO of a company that doesn't care about the consumer only the premium. I'm a single parent and need my refund so that my son can continue with his Orthodontic care.Desired Settlement: I'm requesting a full refund of 480.00 for May 1st to Oct 31st.

Business

Response:

Hello, I have outreached to this customer directly to go over this issue in full detail. 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: 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,

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: In November of 2013 I called Cigna to setup an automatic bank draft of my insurance premium each month. They assured me the auto draft was active. In January 2014 I discovered no drafts had been deducted out of my account for either December or January. I called them to find out what happened and they said that the auto draft had not been activated. They then told me I was past due for December and January so I at that time I paid the past due amount of $936.00. They told me that the auto draft would start in February for $470. So after the $936 payment my account was completely current. However on February 4th 2014 they drafted my bank account for $1,408.00. I immediately called them to dispute and they said that I had a credit balance now of $936. They mistakenly took out funds to cover the balance of Dec and January which had already been paid. They told me they caught their mistake and would refund the funds to me immediately. I called again three days later on February 7th because I still had not received the funds. The customer service representative told me no the funds would thaw 7-10 days to process. I called on February 19th because I still had not received the funds. The customer service representative told me that the previous rep on Feb 7th didn't process the refund correctly but she assured me she would. She said she would have it expedited in 3 days. So now three days later I still have no refund. On what level is this acceptable. If I do not receive a response to this complaint I will be pursuing a lawsuit for theft against Cigna. I am so glad that they think it's acceptable to keep my hard earned money that does not belong to them. I am sure the employee who receives this Revdex.com complaint in the legal department will just roll their eyes in nonchalance to this matter so he or she can get it done so they can proceed with their day and get to their lunch break. Do this will be interesting to see what happens. Thank you Cigna for causing me to be late on other bills because of your "I don't care" attitude and outright theft of money that does not belong to you. But like I said whoever reads this complaint at Cigna will just think about how it doesn't affect them personally and carry on with their day.Desired Settlement: I want my credit balance of $936 returned in 24 hours to my bank account and cancellation of my Auto Draft because I cannot trust this company with my bank information. Anything less than that could result in a potential lawsuit for a number of damages.

Business

Response:

A written response has been sent to the customer in regard to Revdex.com complaint # [redacted] as of today.

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,

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.

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.

Review: Cigna Dental Health, Inc. denied payment to Great Expressions Dental CTRS in GA. [redacted] office for my daughter, [redacted], DOB 4-20-2001, child cleaning service dated 6-27-2013, claim # [redacted]. The reason is [redacted] should visit the general dentist for teeth cleaning not pediatric dentist.Desired Settlement: Pay to Great Expressions Dental CTRS for child cleaning service.

Business

Response:

Cigna has made a decision and verbally communicated it to the customer today, January 17, 2014.

Review: I called to shop for prices on Medicare Supplement Ins. on Nov. 16. I received a letter with a card and it had a date of Dec 1 for first payment. I did not tell the lady I talked to I wanted this insurance because it was too expensive.

I would like to know how they got my checking acct information without authorization from me. The person I spoke to said it would be drafted from my account.Desired Settlement: Cancel this and do not draft my checking account.

Business

Response:

Dec/17/2013

Dear **. [redacted]:

Thank you for granting our request for an extension regarding this matter.

We have reviewed **. [redacted]'s concerns regarding the telephone call she had with one of our marketing representative with respect to the purchase of the above referenced policy, According to **. [redacted]'s letter, she did not tell our representative that she wanted the Insurance.

While listening to the recorded call, we found that albeit with some hesitation, **. [redacted] furnished her routing and account numbers, as well as her verbal authorization to draft her bank account. However, because she was hesitant to release this information, we feel our representative was somewhat remiss in not offering to send her a proposal for the policy which would not require her banking information. While in most cases we have quality control personnel review our marketing representatives’ phone calls we find that this was not the case in this instance.

As a result of **. [redacted]'s complaint, the representative's manager will counsel her regarding her actions as well as make sure her calls meet the company's quality assurance guidelines.

Please be advised that **. [redacted]’s policy has been cancelled as “not taken" and is now considered null and void and never to have been in force.

In closing we apologize for any inconvenience this matter may have caused. Should you have any questions please feel free to contact me at ###-###-####.

Review: We purchased a medical family plan with Cigna insurance in 2013. In November of 2013 Cigna informed us that, with the implementation of Obamacare in January, we would be required to carry pediatric dental coverage for our son, [redacted]. As of November 16, 2013, [redacted] was 20 years old, but we were informed that he was required to have coverage until the age of 21. Therefore, Cigna began charging us $38 per month for dental coverage on [redacted].

As we submitted claims, we have learned of Cigna’s scheme. Cigna’s plan is to have the billing department require families who have children under 21 to carry pediatric dental coverage; however, the claims department does not cover anyone over 19 years of age on the Obamacare program. The fraud is simple: Cigna requires you to have coverage and will not drop the coverage citing the Obamacare regulations; however, they refuse to pay any claims that are made on the coverage that you are paying for.

Both Cigna departments are happy to cite their rules. Billing and Enrollment cite that pediatric dental coverage is required until your child reaches 21. The Claims department says that once a child reaches 20 they no longer qualify for pediatric dentistry coverage and therefore they refuse the claim.

I have spoken to Cigna on at least six different occasions with the average phone call lasting well over an hour. They claim the problem lies with the “front office”. The persons I have spoken with could not even inform me of what city Cigna’s “home office” is located in.

At this point, all I want is to be reimbursed for the $38 per month that I was charged to carry the “required” pediatric dental coverage on [redacted]. ($38 X 8 months = $304)Desired Settlement: $38 X 8 months or $304

Review: Cigna Home Delivery Pharmacy still has not delivered the prescription for [redacted] that was ordered 11/11/2014.Desired Settlement: Deliver the prescription.

Business

Response:

Good afternoon, Cigna's Executive Office of Complaints has received the complaint and will be following up with the customer directly for resolution. Thank You

Review: This letter is in regards to a claim denial for services on 01/03/2014. I am extremely upset that this was denied. I have been going through a very difficult, stressful, and upsetting time in trying to get pregnant; the services received on 01/03/2014 was the last effort to see what problems may be present in preventing pregnancy before seeing a fertility specialist.

However, before this service was scheduled, I met with a surgery consultant at my OBGYN’s office on 12/05/2013 to discuss options. The tasks at hand were:

1. Call CIGNA to see if procedure is covered

2. If procedure was covered, proceed with procedure

3. If not covered, discuss price negotiations with hospital

The surgery consultant at my OBGYN’s office, Heather, phoned CIGNA and spoke with Romano. During this call, she was advised that my policy DOES cover the procedure in question. PLEASE REFER TO CALL REFERENCE [redacted].

If I was properly advised by CIGNA that this was NOT covered, I would either have not gone through with the procedure, OR tried some sort of negotiation with the hospital. Because of this, I had to pay $2,604.32 that was not applied towards my deductible! I am so very upset over this. It’s not like I can reverse the procedure, and have tried everything I can do for them to make this right. Neither the provider nor insurance company is taking ANY fault in this, or trying to do whatever they can to make it right. I have never disputed anything on my policy and have faithfully paid any claims due, premiums, and deductibles when necessary. Even if the code that was given was provided and advised was covered, shouldn’t the rep on the phone ask what the diagnosis code is before confirming that the procedure would be covered? Where was the due diligence? Now that I am seeing a specialist, I am being asked to proceed with a laparoscopy, which will have a bill of over $4,000, that has been confirmed WILL go towards my deductible, but this one will not?! So, now I had to pay over $2600 for an HSG that did not go towards my deductible, and now a bill of over $4,000 that will go towards my deductible, but I will have to pay the entire deductible first. All I am asking is that the company do the right thing and apply my out of pocket expenses that have been paid towards my deductible. Now, I have an extended financial burden when this could have been completely avoided!Desired Settlement: All I am asking is that the money I have paid out of pocket be credited towards my deductible. I am not asking for any money, just that it be applied to the deductible as confirmed over the phone.

Business

Response:

An electronic response was sent to the Revdex.com in regard to complaint # [redacted] for [redacted] on 06-27-14. A written response was also sent to the customer.

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:The recent message from the company states, "An electronic response was sent to the Revdex.com in regard to complaint # [redacted] for [redacted] [sic] [redacted] on 06-27-14."This information is not showing.

Regards,

Review: CIGNA has been contacted at least six times now by my insurance agent, by our pharmacist, and by me concerning an issue with an incorrect birthday that they have in their system for my son, who is covered under my insurance (with CIGNA). The problem is that they somehow have the wrong month for his birthday, but they will not correct it to the correct month. This is a problem as we can not get the pharmacist or his pediatrician to provide their service since there is a discrepancy with his birthday. Since my son is ADHD, we have to deal with this on a monthly basis as we have to fill a prescription for his medication every month. Since medicines for ADHD are considered a controlled substance, the pharmacist can not fill the prescription when the birthday does not match their file with CIGNA's file for the same person. Each time this has happened (this month being the sixth time), CIGNA's Benefit and Claims department has been contacted in order to get the prescription filled and this takes a lot of time each event this happens. Today when I had to, once again, contact CIGNA concerning this issue, I was informed that they had no record of being contacted to correct this error - basically calling me a liar. I can document the six times I, the pharmacist, and my insurance agent have spoken to CIGNA to get this corrected: November 2013 (by me), December 2013 (by me), February 2014 (by my insurance agent), March 2014 (by our pharmacist and me), May 2014 (by the pharmacist), and today (06/13/14 by me). CIGNA claims that they have only been contacted twice before today, in March 2014 and May 2014. Basically what happens is we are being denied coverage because of this issue. CIGNA has also incorrectly billed me a higher premium than what I was supposed to pay. They did send a letter explaining that they have done this and are fixing this issue.Desired Settlement: I just want CIGNA to correct my son's birth date in their files as they have been directed to do with a letter of confirmation to me explaining that they have done so. This is for us to show the pharmacist, doctors, or anyone else that we have done what we can to get CIGNA's issue resolved.

Business

Response:

Hello, Thank you for the information. I have sent a letter directly to the customer to have this issue addressed. Thank you, [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: Cigna has failed to process my claim and provide information to me in a timely manner resulting in collections by the health provider

On 11/27/14, I went to my doctor for a physical, a service covered in full by my insurance plan. In July of 2013 I received a letter from the company stating they needed more information before they covered the service because they believed it to be a preexisting condition. The letter had fields to fill out the names and dates I had been treated for the condition. I wrote to them explaining that it had not been a preexisting condition but continued to receive the same automated letter. I called in several times and was told that they had received my response and would process the claim.

In March of 2014 I received a bill from my physician for the full amount of the service. I called Cigna and they then said that I had filled out the letter incorrectly and had to write "none" in the fields that asked for names and dates. However, this information was not provided to me until my account was already in collections. They said they would call the physicians office, explain the situation, and stop the collections but never did. The physicians office called them and was told a letter of continuous coverage would be needed to reprocess the claim, however when I called the insurance company back they said this was not the case.Desired Settlement: I want for Cigna to immediately cover the service in full and stop the collections on my account.

Business

Response:

We have sent a response to the customer in regard to Revdex.com complaint # [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: My name is [redacted]. I am an [redacted] County Employee. I have Insurance through Cigna. On 1/06/2013 I went to the [redacted] Emergency room for treatment. I was very sick from a stomach virus. It was Sunday morning and I could not get into see a regular doctor. I paid my premiums to the insurance company. A year later I received a bill from [redacted] group for 845.00. Cigna had asked for a refund of the 261.82 they paid. I have tried many many times to resolve this with Cigna. I get a different answer everytime I call them.Desired Settlement: I would like cigna to pay the 261.82 they paid a year earlier.

Business

Response:

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

Review: I have been getting the same bill reprocessed three times now and Cigna has not paid the portion they keep saying they will pay. They are saying the doctors who work at an emergency room I take my family to for emergency visits are not in network but that the hospital they work in is in network. I can't choose a different doctor when I visit an emergency room. Now I have two bills where they say I owe a significantly smaller amount than the doctors billing company. I have called 6 times about this and this has been reprocessed three times with no results.Desired Settlement: I would like Cigna to either fix what they are doing with their billing so that when you visit an ER you are not charged out of network and then Cigna has to argue back and forth between them and the billing company. I would like Cigna to make it so that the only portion I owe for my bills is in fact the portion they say I owe on the explanation of benefits.

Date of Service for the first bill:

7/6/2013

Provider: [redacted]

They denied $60.00 as not usually performed on the same day.

They $76.98 of the $250.00 portion of the bill.

They say I owe $7.69 and [redacted] says I owe $240.80

Patient is my son [redacted]

Second bill is date of service:

11/17/2013

bill was for $450.00

provider: [redacted]

Cigna says I owe: $14.69

[redacted] says I owe: $317.78

I would like them to pay the portion I owe which they say I do not owe or figure ttu a way to make the DR's that work at the hospital which is in network also in network. I want to actually only be billed for the portion they said I owe in the explanation of benefits.

Business

Response:

Thank you for this information. I will be reaching out to the customer directly to have this issue addressed.

Thank you,

Kelly

Review: On December 31, 2013, I spoke to a customer service representative concerning my medication for my [redacted]. I informed her that in the past I took [redacted] and it worked very well. Since my company switched to Cigna, I am not able to receive the medication that actually helped my condition. Starting in July 2012, Dr. [redacted] wrote two separate pre-authorizations for me to receive approval for [redacted] and they were both denied. Since then, my conditions have gotten worst. I have tried 4 different types of medications with no relief. Dr. [redacted]’s office prescribed [redacted] for me on January 2, 2014 and it was denied again. I do not understand how a company can deny a prescription that will work for someone. I explained to the customer service representative and my doctor that it will cost the insurance company more if I continue to go to the doctor for my medical problems rather giving me the medicine that has proven to work for me in the past.

I am very disappointed because, you have failed to provide satisfactory service. I have called on several occasions to try resolving this matter. I called on December 31, 2013 I spoke to a customer service representative, January 3, 2014 at 10:15 a.m. , I was on hold for over thirty minutes, I called back at 3:00 p.m. on January 3rd and I was on hold another thirty minutes and then Cigna hung up the phone. I called right back and was hold for a total of forty minutes additional minutes before they hung up the phone againDesired Settlement: I WANT MY [redacted] PRESCRIPTION APPROVED!

Business

Response:

Cigna has completed our review of this Revdex.com request and a final written resolution will be sent to the customer today, January 13, 2014.

Review: I joined Cigna last year after being under [redacted] for one month and cancelling with [redacted] because they did not have prescription coverage and I was unaware when I enrolled. I had been to the dermatologist before and used [redacted] to cover that treatment for one month. When I called to purchase Cigna insurance, I explained the situation. I told them I had a condition of acne in which I had gone to the dermatologist for in the past. They approved me as I was not a high risk patient. When I continued to go to the dermatologist once on Cigna, my doctor decided to put me on accutane. Cigna covered the treatment for several months. Suddenly, after several months of treatment, they began to stop covering the bills saying it was a pre-existing condition. I had told them of this condition before enrolling in their companies insurance, and I approved. I sent an appeal, and they stick to the same story. This is bad business, and unfair, and sneaky. I would never have enrolled in their insurance if I had known they would not cover my dermatologist, especially since I informed them from the beginning. They should not approved me in the first place as I told them this is what I needed the insurance for. They began to ask me to pay per month out of pocket, the same amount I payed to them to just have insurance, which makes the whole point of the insurance pointless. They also told me I received some letter that would have cleared this up early on, but I never did. I don't even know what letter they are talking about. This situation is sneaky, lacking communication, and I was sold their insurance in a misleading way. I believe this is a result of Obama's changes making them rush to try to save as much as they could before they had to start covering pre-existing conditions. This is not about honesty, but about manipulating the system dishonestly. I about to cancel my insurance and call an attorney if this is not resolved because the principal of dishonesty and lack of integrity means more to me.Desired Settlement: I need them to cover the claims they are not covering which are all from the same treatment which includes the doctor visits and lab tests. I should not owe them when I was clearly communicated in my call when being approved for the insurance. I would like a copy of the recording of my call with the customer service rep for my attorney as I will prove I told them of my condition, and was approved anyway. I was mislead I would be covered by Cigna, and then rejected after they already paid for months of treatment. You can't say, ok we will cover it, and then suddenly say, oops, we made a mistake approving you, now we will not. Especially because they knew I could not enroll into a new plan until the next enrollment period, so they manipulated me to have to stay a member or else I would have no coverage. This is dishonest, bad business practices.

Review: Cigna is refusing to pay for baby well visits as outlined in my plan document. They are applying the adult well-visit rules to a baby.

[redacted]Desired Settlement: they should process the claims according to their own guidelines - Birth, 1, 2, 4, 6, 9, 12, 15, 18, 24 and 30 months.

Business

Response:

Thank you for bringing this inquiry to our attention. I am currently researching this issue and made outreach to the customer. Once I reach resolution, I will provide my findings directly to the customer.

Thank you,