Does anyone have experience with Cigna Insurance

[Mvpo8961 1]

:faint: My worst CIGNA nightmare came true today. After repeatedly talking to our HR benefits coordinator and calling CIGNA's benefits coordinator for our healthplan I found bariatric surgery is EXCLUDED on our plan. Then my almost bestest dream came true.:clap2: Today was the LAST day to switch insurance at my husbands job. The best part it is United and it states in the benefits hand book that bariatric surgery IS a benefit. So tomorrow they are supposed to mailout our new insurance cards. My current PCP and LapBand Doc are approved providers so I won't have to switch docs.

So I think I dodged a bullet on this one. My husband said if I hadn't been a bulldog about digging, digging, digging we would have never known and would have paid for it ourselves.

Now before anybody gets up in arms I will stay with this insurance as long as it is offered thru his job. :Banane41: :Banane20: :Banane31: :Banane18: :Banane28: :Banane48: :Banane04: :Banane47: :Banane05: :Banane35: :Banane03: :Banane21: :Banane43: :Banane32: :xena_banana:

[dishdiva 5]

Way to go, bulldog. I'm getting ready to leave my job and was trying to decide if I'd stick with Cigna under COBRA or buy a new policy. I wanted to buy a United HC policy since they do cover it, but they don't sell individual policies in my state. Bummer.

To answer the original poster's question: Cigna was a nightmare for me. They verbally gave approval to my Dr.'s office and we scheduled the surgery. Then, they denied the claims. I appealed, used a lawyer, etc., without success.

Now I have to have the band removed and they just denied pre-approval on that. Memo to my family: if I die of band-related complications because Cigna wouldn't pay for the removal, please sue Cigna.

Good luck.

[Mvpo8961 1]

Oh wow. COBRA insurance is expensive. We did that about five years ago for a while and the premiums cost an arm and a leg for sure. I hope you can find an individual policy soon. M:omg: