R L.
Posted
I have had Cigna insurance for the past 7 years.
I have had Cigna insurance for the past 7 years without a claim other than routine dental exams. I recently had an issue that necessitated the services of an endodontist. I called to make sure the Dr I went to visit was in-network which they were and I asked how much coverage I had remaining of my $1500 max benefit. They said that I had over $1200 remaining that would cover my endodontist visit. The very first thing any endodontist does is a cone beam x-ray (cat scan) of the diseased area in your mouth. Guess what - not covered by Cigna. In fact, of the $909 billed by the endodontist, only $79.40 was covered (I saved $32 by staying in network with a Dr that has contracted rates with Cigna). The contracted rate for the cone beam x-ray was $877 but for some reason, even though they have a contracted rate, they don't cover it. What a joke. Contracted rates for something that they don't cover? Sounds boarder-line fraudulent to me. I have paid close to $1000 a year for the last 7 years without a major claim. When I finally need to use the insurance, very little is actually covered. What's the point of buying insurance if it doesn't cover anything. I would give them ZERO stars if possible. DO NOT BUY INSURANCE FROM CIGNA. Worthless. I will be self-insuring the $1000 per year I am currently paying Cigna for worthless insurance. The government needs to regulate dental insurance more vigorously. They take your money without paying claims. It's shameful.
Response from Cigna· Dec 6, 2022
Hello. I would like to look into the dental claim for you as well as your plan benefits. Please email me at [email protected]. -CM



