NALC Health Benefit Plan
NALC Health Benefit Plan Overview
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
NALC Health Benefit Plan has 1.5 star rating based on 17 customer reviews. Consumers are mostly dissatisfied.
- Rating Distribution
Pros: Was fine until this year, When i stayed well and didnt have to deal with this.
Cons: Customer service, Incompetence, No one can answer a question.Recent recommendations regarding this business are as follows: "Seriously consider who you choose for health care. Find someone who can at least find out what to do for you.", "Cigna manages your care, not your doctor", "be prepared for a challenge, Good luck", "Don't even consider it. Gets worse every year.".
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
NALC Health Benefit Plan has 1.5 star rating based on 17 customer reviews. Consumers are mostly dissatisfied.
- Rating Distribution
Pros: Was fine until this year, When i stayed well and didnt have to deal with this.
Cons: Customer service, Incompetence, No one can answer a question.Recent recommendations regarding this business are as follows: "Seriously consider who you choose for health care. Find someone who can at least find out what to do for you.", "Cigna manages your care, not your doctor", "be prepared for a challenge, Good luck", "Don't even consider it. Gets worse every year.".
Most users want NALC Health Benefit Plan to offer a solution to their issues.
Consumers are not pleased with Diversity of Products or Services and Insurance Plans Acceptance. The price level of this organization is high according to consumer reviews.
Customer Service is Horrible / And the Claims process is worse
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer | Broad Run, VirginiaDiabetes support
- Was fine until this year
- No one can answer a question
Preferred solution: INFORMATION!!!
User's recommendation: Seriously consider who you choose for health care. Find someone who can at least find out what to do for you.
Managed Care by Insurance Company
User's recommendation: Cigna manages your care, not your doctor
Less coverage each year, increased premiums, lack of mental health professionals
Preferred solution: Stop increasing annual premiums. Cover more out of pocket annual and (fees) only you know about before adding to my portion. Last year I had photos of my uveitis covered. This year, they were not covered and used toward my deductible. SURPRISE!
Web site is very disappointing
Preferred solution: solve my log in problem so I can change my address.
User's recommendation: be prepared for a challenge, Good luck
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerSubstandard coverage
- Pretty much everything
Preferred solution: Deliver product or service ordered
User's recommendation: Don't even consider it. Gets worse every year.
Avoid at all costs
have had back lumbar pain for 3 years. I've had steroids, muscle relaxers, PT, facet joint injections, epidural injections, sacroiliac injection, and 3 ablations.
Ive had an MRI, x-ray, CT, PET scan. I'm scheduled for surgery with a renowned neurosurgeon, Dr. DAGAM, on December 30. But some idiots at Cigna who know nothing about me decided they know more than my dr and that I havent yet endured enough pain and denied my claim.
I work for an appellate court judge who has made arrangements for someone to fill in for me while in recuperating. My husband has scheduled time off of work from his job at the postal service. My daughter has scheduled time off to help me out. Everyone assured me my surgery would be approved because I've tried everything the drs offered and nothing worked.
I am only able to get around in a mobility scooter when I have to walk more than a few minutes, ex. In Oct at Disney and our WI State Fair. I cant grocery shop anymore. I cant wash dishes or clean my house.
I cant play with or pick up my grandkids. I dont know what your people want. I've tried EVERYTHING the drs have offered and they tell me the only treatment left is surgery. Since that's been denied, I will now have to look into purchasing a wheelchair.
I am 58 yrs old.
Thanks for gladly taking our premiums every month but not giving a rat's *** about the hard working people paying in. I cannot begin to express how upset I am that nobody at Cigna has any concern for my pain, for all the awful procedures I've endured, and my diminished lifestyle.
Preferred solution: Approve my surgery
THE WORST FEDERAL INSURANCE COMPANY
Preferred solution: I want to get new insurance at the beginning of the year. There is nothing this company can do to help the situation. Sorry-ness.
Routine pap smears and mammograms rejected
Worst Experience With Insurance Ever -
They are very rude, cut you off, act like you are stupid. Rude Representatives, Poor Communication, Lack of Communication.
They do not update you on decisions. Had another fed insurance before, but I thought I would give them a try. What a mistake! When you call they cut you off and act like they do not have any time for YOU their customer.
In my life, I have never been treated this way as a customer from a professional insurance company before (or any company for that matter). You should not be afraid to call the insurance company to get answers. That is how they make you feel.
It makes me wonder why they do not like sharing info. It is so unsettling to have to deal with rude people like this.
Happened to me
Wow...
Yet ANOTHER PISSED Customer
Insurance Expert Talks
Checking coverage for pain management.
Ok if you're not really sick
This plan is OK if your family is healthy and you don't have any emergencies. This is a high deductible plan, of course.
Your family will need to have at least 4K saved up just in case. I've used it for routine physicals and prescriptions, no denied claims so far. I wouldn't recommend it for families with lots of claims. I haven't been able to access their website to review claims, and I haven't tried contacting customer service either.
BCBS is a lot more expensive, so I switched to this cheaper plan.
I might switch to a GEHA high deductible plan next year. I suppose it depends on the premiums, which is why I selected this plan in the first place.
Gel injections into the knees, and problems with precert
This is the second time this has happened. First time, our provider called the NALC/Cigna for precertification.
The NALC rep said all is set to go. This was Dec 2016. Come to find out, the precert was not ok because the company failed to mention the specialty drug dept. After many calls, it got solved in June, six months later.
My wife goes for the exact same thing. They told her the precert was all set. This was August 25. Today we got an insurance paper that said we owed $5000.
Yesterday I got a letter of rejection from Caremark. (specialty, in what you tell me). The letter said I could appeal to the CVS appeal board. Nope.
I am getting a lawyer and going to OPM. It is not my job to spend hour after hour trying to figure this out.
I suggest you get this fixed and fixed yesterday. My member number is N3257**** and phone is 270559****.
- When i stayed well and didnt have to deal with this
- Incompetence
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This was helpful to me in deciding whether or not to use this health plan.