Cigna Insurance Not Paying Claims

Cigna Insurance Not Paying Claims: Understanding Your Rights as an Insured

Insurance is meant to provide peace of mind and financial security in case of unexpected events. However, when insurance companies refuse to pay claims, it can be incredibly frustrating and stressful for policyholders. This is the case with Cigna Insurance, which has been accused of not paying claims by some of its policyholders. In this article, we will explore the issue of Cigna Insurance not paying claims, what your rights are as an insured, and what steps you can take to ensure that your claims are properly handled.

Understanding Cigna Insurance

Cigna Insurance is a global health service company that offers various insurance products such as health, dental, disability, and life insurance. The company has been in operation for over 200 years and has a large customer base in the United States. Cigna Insurance claims to have a commitment to providing quality care and financial security to its policyholders.

However, in recent years, some policyholders have reported issues with Cigna Insurance not paying their claims. These claims have sparked concerns from both policyholders and consumer advocacy groups who have accused the company of engaging in unfair practices. The accusations range from delayed payments to outright denial of claims, leaving many policyholders in a difficult financial situation.

Why Cigna Insurance Might Not Pay Claims

There are many reasons why an insurance company might not pay claims. In some cases, the policyholder may have failed to meet the terms of their policy, such as paying premiums on time or not disclosing pre-existing conditions. However, in other cases, insurance companies might refuse to pay claims without a valid reason.

In the case of Cigna Insurance, some policyholders have reported that the company has denied their claims without proper investigation or explanation. Others have claimed that the company has delayed payments for months, leaving them in financial distress. These issues have led to allegations that Cigna Insurance is engaging in unfair practices and violating the rights of its policyholders.

What Are Your Rights as an Insured?

As a policyholder, you have certain rights that protect you from unfair practices by insurance companies. These rights are outlined in the policy agreement and are regulated by state and federal laws. Some of the key rights you have as an insured include:

– The right to a fair investigation: Insurance companies must conduct a thorough investigation of your claim before making a decision. This includes obtaining all relevant information and providing a clear explanation of their decision.
– The right to appeal: If your claim is denied, you have the right to appeal the decision. This includes the right to request a review of the decision and provide additional information to support your claim.
– The right to a timely payment: Insurance companies are required to pay valid claims in a timely manner. Failure to do so can result in penalties and legal action.
– The right to legal representation: If you feel that your rights as an insured have been violated, you have the right to seek legal representation and pursue legal action against the insurance company.

What Steps Can You Take If Your Cigna Insurance Claim Is Denied?

If your Cigna Insurance claim is denied, there are several steps you can take to ensure that your rights as an insured are protected. These include:

– Review your policy: Before filing an appeal, review your policy to ensure that you have met all the terms and conditions of your agreement. This includes paying premiums on time and disclosing all relevant information.
– Gather documentation: Collect all the relevant documentation to support your claim. This includes medical records, receipts, and any other evidence that supports your claim.
– File an appeal: If your claim is denied, file an appeal with Cigna Insurance. Be sure to provide all the necessary documentation and information to support your claim.
– Seek legal representation: If your appeal is denied or you feel that your rights as an insured have been violated, seek legal representation. A qualified attorney can help you navigate the legal process and fight for your rights as an insured.


In conclusion, the issue of Cigna Insurance not paying claims is a serious concern that has sparked allegations of unfair practices. As an insured, it is important to understand your rights and take the necessary steps to protect them. If your claim is denied, review your policy, gather documentation, file an appeal, and seek legal representation if necessary. By doing so, you can ensure that your rights as an insured are protected and that you receive the financial security that insurance is meant to provide.