Which One Is Easiest To Deal With Cigna Or Unitedhealthcare?

[AquariusDiva 15]

It is open season at my work and at my husbands work. Both insurances and worker plans cover weight loss surgery. The UHC plan description is pretty clear as to the requirements for WLS are, Cigna not as much, but they do cover at over 40 BMI or 35+ BMI with comorbidites.. The costs are slightly higher for Cigna, 80% copay (Cigna) versus 90% copay (UHC) after the deductible. Any insurance gurus out there? If you had to choose, which one would you go with?

[woo woo 872]

I don't have an answer for you, but it might be worth finding out what exactly each policy requires as surgery pre-requisites, such as the length of supervised diet and so on.

That information might be much different for each, and could really factor into your decision. You should be able to call and get the info from them if it is not clear from the written information.

Good luck!

[AquariusDiva 15]

Thanks!

The United Healthcare has more stringent requirements than Cigna. Cigna would not require a 6 month wait/diet. Others in DH's company have recently undergone the surgery and the approval process was very easy (for them at least). I guess, I just wanted some help deciding wehther spending about $2,000 more is worth going with Cigna? Yes, we can afford the extra $2,000, but it is still money that we need to allocate.

I am leaning towards Cigna.

[woo woo 872]

Go with Cigna, then. You are worth it!

[caroline2 89]

I have Cigna and I did have to have 6 months supervised diet. One Cigma may require it, another Cigna plan may not. It's best to call both insurance providers to see what they cover. My Cigna coverage pays 100% of surgery and hospitalization. Some Cigna plans do not. I would do comparisons and pick the one that has more benefit for you. Good luck!