CIGNA

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:The specialist who reviewed my complaint did not read it correctlyI was talking about the site being misleading and making me believe I can use my MRA fund for dental reimbursementShe responded about reviewing a phone call; that's not what I asked to be reviewedI will add attachments of the misleading information on the website to make it clearer Regards, [redacted] ***

Hello- A response letter addressing this complaint has been issued to the customer on September 10, In order to release the response to the Revdex.com, the customer will need to complete the authorization form included with the letterThank you Tanya H [redacted] Executive Office Advocacy Team

Thank you for forwarding this complaint to CignaPlease be advised a written response was sent to the customer on 4/30/and again today (6/4/2015)Charlene V [redacted] Executive Office Advocacy Team

Dear [redacted] ***, Thank you for this informationI have reveiwed the issue,and a response was sent to the customer in writing on September 28, Thank youRae B***

I spoke with the customer this afternoon, this issue has been resolvedCase # [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Cigna Corporation has had the opportunity to follow up directly with me and resolve this matter since June and has not done so as of yet and today is October 21, so this is why I need the Revdex.com to stay involved in this matter until this matter is resolved satisfactorily and this is the reason I contacted the Revdex.com in the first place and one of the main reasons for the very existence of the Revdex.com.Regards, [redacted]

Thank you for forwarding this complaint to CignaCigna has reviewed this complaint and resolution letter has been sent to the customer on 09/01/2016.Charlene V [redacted] Executive Office Advocacy Team

Hello- Thank you for forwarding this complaint to CignaWe will folldirectly with the customer regarding this matterThank youTanya H***

This issue was discussed with the customer and advised to discuss this with his healthcare professional who billed for the services in question

Thank you for forwarding this complaint to CignaCigna has reviewed this complaint and is working with customer to resolve Charlene V [redacted] Executive Office Advocacy Team

Thank you for this information.I will further review the issue and respond directly to the customer.Thank you,Nicole P [redacted]

Good Afternoon,Thank you for this informationWe take patient confidentiality seriouslyProtecting our customers’ personal health information is critical So much so, that the Health Insurance Portability and Accountability Act (HIPAA) requires that we protect an individual’s private health information (PHI)Because your inquiry requires that I look into your information, I need him to give me permission to share my findings with the Revdex.comLuke can grant this permission by signing an Authorization for Use and Disclosure form Thank you,Rae B***Executive Office Advocacy Team

Cigna is reviewing this matter and will respond with additional informationWe take patient confidentiality seriouslyProtecting our customers’ personal health information is criticalSo much so, that the Health Insurance Portability and Accountability Act (HIPAA) requires that we protect an individual’s private health information (PHI)Because this matter requires that we look into personal information, we need him to give us permission to share our findings with the Revdex.com [redacted] can grant this permission by signing the attached Authorization for Use and Disclosure formAlicia G [redacted] Executive Office Advocacy Team

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I do not need to sign a medical release for you to take responsibility and fix the collection incorrect billing problemThat's literally the only thing that needs to be doneYou've sent multiple people to call me who don't have the authority to reverse the billing issueFix itAnd tell me it's fixed Regards, [redacted] ***

Dear Sir or Madam:We are writing in response to your correspondence dated August 5, 2013, referencing [redacted] 's claim for Short Term Disability (STD) benefits [redacted] was covered under her employer self-funded STD group benefit policy [redacted] This plan was administered by [redacted] (***) [redacted] raised concerns regarding ***’s decision on her STD claim and her claim experienceCustomer service is extremely important to us and we have communicated this information to the appropriate management to be addressedPlease allow us this opportunity to address her concerns, explain our decision, and provide further administrative optionsWith respect to [redacted] 's employer's, [redacted] Retirement Systems, STD plan [redacted] ***, in order for benefits to be payable, her medical records needed to support that her health conditions caused a functional impairment that would continuously prohibit her from performing 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 planWhile her STD benefits were approved for a time, continued STD benefits were not payable to [redacted] beyond July 20, 2015, because she no longer met the policy’s definition of DisabilityThis determination was based on our ongoing medical review of the relatively findings received from her treating providerAfter a complete medical review of the available records on file, it was determined that MsDe Marco’s condition would not render her Disabled beyond the date referenced above, according to the terms of her STD planAs a result, no further benefits were payable and her claim was closedOn August 4, 2015, a letter was sent to [redacted] , which explained our decision and provided information that may be helpful to perfect her claimWe understand that [redacted] disagrees with our decision of her STD claimIn conjunction with reviewing her claim, on August 10, 2015, attempted to contact her to offer assistance in filing an appealUnfortunately, the attempt was unsuccessfulIf there is any additional information that we have not considered, she does have the opportunity to request an administrative appeal reviewThe August 4, letter explains how [redacted] can request an appealWe are fully committed to conducting full and fair reviews of all claims, and will consider any additional information she wishes to provideShould [redacted] choose to pursue an appeal, she may also contact Senior Claim Manager, Joanna S., directly at #[redacted] ext [redacted] for further assistance, Thank you for allowing us this opportunity to respond to your inquiry regarding [redacted] 's STD claimWe hope the information provided is helpfulShould you have questions or would like to discuss this matter, please do not hesitate to contact me directly at [redacted] You may also contact CGI's Consumer Advocacy department regarding any group disability, life or accident concerns at:Cigna Consumer AdvocacyAttn: Meredith *L [redacted] North Norterra Drive Phoenix, AZ [redacted] Sincerely, Rick PConsumer Advocacy Specialist

Thank you for forwarding this complaint to Cignacigna will review this complaint and will follow up with the customerCharlene V [redacted] Executive Office Advocacy Team

Received:Jul 21, 03:08:PMHi ***, Complaint # [redacted] , [redacted] has been resolvedVerbal outreach on 7/17/to customer with resolutionResolution Letter sent to customer on 7/21/Thanks,Charlene *V [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: Cigna does not say what viable options I can go with, they just reject everything I believe there were no other viable options in my case except to do nothingI can not get though to Cigna on the phone for some reason, their answering machine keeps saying "all line are still in use"I tried to call 11-14-@ 11:AM, it is now 12: PM and nobody has answered their phone yet? I am send a letter to review the claim again to the "Cigna Dental Appeals" address Also, I just found out from the Advocacy Group that works for my company Nisource that they said the Cigna received a letter frommy dentist that my dentist recommended a partial or full denture and not ImplantsThis is the first time I heard this in months of fighting this claimI just called my dentist office and talked to them and they said they DID NOT recommend a partial or dentures, they recommended Implants.Please do what you canCigna need to honor their agreement with my company Nisource and stop all this paperwork nonsense[redacted] ###-###-####Complaint: [redacted] Cigna Tracking # [redacted] Account NiSource Account # [redacted]

Hello,Thank you for this information.I will be in review of the issue and will respond directly to the customer.Thank you,Nicole P [redacted]

Thank you for forwarding this complaint to CignaCigna has reviewed this complaint and resolution has been met with customer Charlene V [redacted] Executive Office Advocacy Team