Micki Vwc
map-marker Oklahoma City, Oklahoma

Customer Service is Horrible / And the Claims process is worse

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have had the same Dr for at least 10 years. Now, all of a sudden, EOB's are showing up with us owing a lot of money because my Dr of 10 years is now 'out of network!' They "NALC HP" claim she has been out of network since 2018! I call it a group of individuals processing their claims that don't know what the heck they are doing. She has been in network all the way through my last surgery in Oct 2022!! You all ought to be ashamed of yourselves...
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Pat R Fep

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
| map-marker Broad Run, Virginia

Diabetes support

No one has an answer to my questions. Put someone who knows whats going on. Simple question. How do I get new diabetic supplies? Who do I need to get ahold of?
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Pros:
  • Was fine until this year
Cons:
  • 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.

Anonymous
map-marker Montreal, Quebec

Managed Care by Insurance Company

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Denied MRI. X-rays allowed, but told to do physical therapy for weeks before they reconsider, even though the doctor ordered. When congress says that people love their health care plan. No, we do not. We wish we had a single payer system with $5 prescriptions and insurance companies were not the decider, that the physicians make the calls.
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User's recommendation: Cigna manages your care, not your doctor

Elizabeh M Cbx

Less coverage each year, increased premiums, lack of mental health professionals

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In general, I have noticed increased premiums, fewer doctors on the plan, the CVS tells my doctor which prescriptions they will cover, not what the doctor wants to prescribe to me. Prescription increases and no mental health (psychiatrists) on plan. They list them, but they are out of network and do not accept insurance - you do all the paperwork. NALC/CIGNA is expensive as a federal employee.
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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!

Frances L Rop

Web site is very disappointing

I registered to log in and set up my security questions and then as soon as I attempt to get in, it asks me different security questions and I can't get in. I'm stuck and have to wait till tomorrow to try and get through on a phone line. All I really needed to do was change my mailing address. Frustrating.
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Preferred solution: solve my log in problem so I can change my address.

User's recommendation: be prepared for a challenge, Good luck

Jon B Gsg

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

Substandard coverage

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This plan always declines to approve any type of higher level diagnostics or procedures. I pay for a high option plan, and receive only the most basic coverage. My most recent experience involves a treatment that my provider says is the first-line treatment for my condition. Of course, the plan won't approve it, compromising my health once again. And don't even think of getting an MRI approved. They've told me point- blank that they don't approve them except in conjunction with a cancer diagnosis. Wrong. They are needed for many other things. Unfortunately, I am stuck with them for another year, but believe me, next open season, this 25 year customer is out the door. I've had enough.
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Cons:
  • Pretty much everything

Preferred solution: Deliver product or service ordered

User's recommendation: Don't even consider it. Gets worse every year.

Deborah B Niz

Avoid at all costs

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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.

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Reason of review:
Bad quality

Preferred solution: Approve my surgery

1 comment
Guest

This was helpful to me in deciding whether or not to use this health plan.

belinda d Gwe
map-marker Orange Park, Florida

THE WORST FEDERAL INSURANCE COMPANY

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I can say the insurance pays well as far as prescription drugs. I use a brand name medicine, and because it is medically necessary, they pay it as a generic. The bad is them paying for everything else, especially CT scans. The insurance company uses CIGNA and some 3rd party company to approve CT & MRI scans. This 3rd party company is brutal. It dictates what scans you should have, with or without contrast even though your doctor wants both. It also takes over 2 weeks for approval. My doctor's have tried to get 2 different CT scans and both times, I have received letters in the mail, and the doctor's office calling asking me to contact the insurance company. I have had nothing but run around after run around!! I am so done with this company...changing at the beginning of open season. BCBS has been a way better choice. I don't know why I changed.
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Loss:
$1600
Reason of review:
Not as described/ advertised

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.

Bharathi V Klc

Routine pap smears and mammograms rejected

NALC, I have had a horrendous experience getting routine exams covered because, somehow, your personnel listed me as a MALE when I enrolled in the fall of 2017. I am a female (always have been) and my "female" medical needs (mammograms and paps) have been rejected. It was only when I dug and dug with your customer service folks, after multiple calls, that one of your people dug deep enough to discover that there was a mistake in the enrollment paperwork that was keyed in by your staff, and I was incorrectly listed as a male. Up until that point, your staff made me bounce back and forth to my providers' billing department and would tell me that my providers listed me as male. I thought this was resolved for good until my most recent bill from Washington Radiology (for a mammogram) was rejected by you all, and WRA charged me for the full $300 of my mammogram. I called your toll free line and got "Travis" on the phone, who (AGAIN) told me that my provider had me listed as a male. I called the provider and they pulled up my chart, said I was clearly listed as female, and told me to do a 3 way call between you guys and the provider, so that the provider could challenge your customer service people who insist that the provider has me listed as a male. This is getting to be a nightmare. Dig deep and fix the problem - I am a female. Stop rejecting my paps and mammograms and stop pinning it on the provider. I've been with the same providers for decades. They do not have me listed as a male, and I certainly did not have this problem with Blue Cross/Blue Shield. Fix it.
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Anonymous
map-marker Ashburn, Virginia

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.

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Anonymous

Happened to me

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This happend to me...After 9mo fighting them. I contacted the president fredric rolando. I got approved the next day.. Always go up!! Things move faster, good luck.
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Anonymous

Wow...

Sitting here considering leaving Blue Cross Blue Shield Federal and going to hire option CIGNA . Well...Good thing I read reviews hundreds of reviews saying signal sucks good thing I read reviews hundreds of reviews saying signal sucks .... I have learned to listen , staying with Blue Cross Blue Shield thank you to everyone that wrote a review
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Anonymous

Yet ANOTHER PISSED Customer

I’ve got one better than that! My neurologist has been fighting Care Allies (the people who NALC apparently hires to basically deny procedures, I think) since April of 2017 for a fusion that he feels is necessary. I have had YEARS of injections, epidurals, and other procedures and my neuro knows this will continue to be in vain. When he submits the information for the surgery to be approved, they cite “not enough documentation”, “no tests have shown reason for surgery” (yet they WILL NOT APPROVE any tests requested) and say the surgery is “experimental, etc.” (yet it’s approved by FDA, covered by Medicare, Blue Cross/Blue Shield)... I could just BEAT my husband for taking this insurance because it was “CHEAPER” than BC/BS (that we have NEVER had problems with)!!!!
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Bama Nle

Checking coverage for pain management.

Excellent customer service and quick response. Talking to a real person is Awesome.
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Reason of review:
Good customer service
Jack S Cew
map-marker Ashburn, Virginia

Ok if you're not really sick

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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.

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Reason of review:
Fair pricing
1 comment
Guest

This was helpful information. Shopping for health insurance plans.

Anonymous

Gel injections into the knees, and problems with precert

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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****.

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Pros:
  • When i stayed well and didnt have to deal with this
Cons:
  • Incompetence

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