I signed on with Cigna and since I am a healthy adult I never once used my coverage. I cancelled my coverage which I thought included ALL aspects of my coverage. 1.5 years later I noticed a charge I didn't recognize on my statement. It was then that I realized that they had been charging me $48 every month for almost 2 years for my "add on" cancer bank coverage.
They are very dishonest about the need for cancelling these "add ons" seperately from the standard coverage. They said they sent a letter, which might be true, but it looked like it was junk mail since I receive stacks of BS mail from all sorts of insurance companies especially since becoming a small business owner.
I called them and after weeding through the typical 15 minutes of automated silliness, a low level agent answered. She was courteous but helpless. She turned me onto her manager who was very rude. She told me if I had gotton cancer I wouldnt be complaining because I would have received my money. "I'd be singing another tune" she said. To say the least, my blood was boiling at this point and I probably said some profanities.
I would strongly agree with others who have posted about Cigna on this site. They are out to collect money, they do not have your best interest in mind, they are shady, dishonest, rude, tricky, unclear, and owe me $850.