5 Reasons Why You Shouldn’t Sign Up with myCigna – Review Blog

Cigna is one of the largest healthcare providers in the world today. With over 20 million members across the globe, Cigna has operations in over 20 countries and territories, including the United States, Australia, and Bermuda. Cigna offers several plans for individuals that cover various needs. They offer medical, dental, and vision coverage. If you’re looking for a new health plan for yourself or your family members, then you may be asking yourself if you should sign up with Cigna right now? Well…the answer isn’t so simple. It really depends on your circumstances — like whether or not you have other insurance options available to you and what your healthcare needs are at this time in your life. Here are five reasons why it may not be a good idea to sign up with Cigna right now. Keep reading to learn more about why signing up with them may not be a great idea:

Cigna is Discriminatory When Determining Coverage

One of the biggest reasons why you shouldn’t sign up with Cigna right now is that they are discriminatory when it comes to determining coverage. In other words, they will base their coverage decisions on the race and ethnicity of the members they serve and what their needs are. In fact, Cigna has been accused of discriminating against people with disabilities and chronic conditions, as well as people who are on certain medications. Cigna has also been accused of racial discrimination. Since Cigna is discriminatory when determining coverage, it’s likely that you or your family members will not be given fair and equal treatment when it comes to coverage. This means that it’s very possible that Cigna won’t provide you with the same level of coverage as other people who are of a different race or ethnicity than you. Cigna has been accused of discriminating against their customers and clients for many years now. What’s more is that the company has yet to demonstrate that they have changed their ways. So it’s best to sign up with another healthcare provider instead until Cigna can prove that they are a fair and equal company.

Cigna’s Dental Coverage is Poor

While Cigna’s medical coverage is relatively good, their dental coverage is poor and often doesn’t meet the needs of their customers. Cigna’s dental plans are often referred to as “mini-meds.” This means that they are basic and don’t offer a lot in terms of coverage and benefits. Cigna’s dental coverage doesn’t include preventive care such as cleanings and regular check-ups. In fact, Cigna’s dental coverage doesn’t cover much of anything other than fillings, extractions, and teeth that have broken off completely. Cigna’s dental coverage is also not very good for people who have pre-existing conditions. In fact, Cigna doesn’t cover treatment for pre-existing dental conditions and will likely not cover orthodontics either. So it’s likely that Cigna’s dental coverage won’t be sufficient for you or your family members. Cigna’s dental coverage also has a very high annual maximum out-of-pocket amount of $2,500 for non-preferred providers. This means that you will be responsible for paying the remaining costs up to $2,500 per year. So if you have to pay for major dental work, you may be left paying for the rest of the costs out of your own pocket.

Cigna’s Vision Coverage is Inadequate

If you choose to sign up with Cigna for your vision coverage, be aware that it may be inadequate for you. Cigna only offers basic vision coverage and doesn’t offer a lot in terms of benefits or coverage. Cigna’s basic vision coverage includes a $40 allowance for a complete eye exam and one pair of eyeglasses per year. If you have to have an exam or visit a specialist, Cigna’s basic vision coverage won’t cover the costs. Cigna’s basic vision coverage also doesn’t cover contact lenses or eye surgery such as lasik. Cigna’s basic vision coverage is also very basic in terms of coverage. This means that you likely won’t be given the same level of care and consideration as people who have a more expensive vision coverage plan. Cigna’s basic vision coverage is only suitable for people who have minor vision problems and don’t need any special types of eye care or assistance.

Cigna’s Medical Coverage May not be Adequate for You or Your Loved Ones

Another reason why you shouldn’t sign up with Cigna right now is that their medical coverage may not be adequate for you or your loved ones. Cigna only offers basic medical coverage and doesn’t offer a lot in terms of benefits or coverage. Cigna’s basic medical coverage doesn’t include many of the important benefits that other providers offer such as dental, vision, and prescription drug coverage. This means that you will have to sign up for a separate plan or take out a separate policy in order to receive these types of coverage. Cigna’s basic medical coverage does not include many major services such as hospital visits and surgeries. Cigna’s basic medical coverage also does not include any type of mental health care such as counselling or therapy. Cigna’s basic medical coverage is only suitable for people who have minor medical issues and don’t need help with any other types of health care.

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