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Fred's CIGNA Scam
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<blockquote data-quote="quadro" data-source="post: 603141" data-attributes="member: 12850"><p>Correct, but your initial claim omitted that amount and that is by far the most amount of money in this equation.</p><p></p><p>And just how many companies, individuals, etc, do you know that want to spend more than they have to for anything? Yes, there is a fine line between being fiscally responsible and being a cheapskate but to assume that they are putting peoples health and well-being at risk just to save a $ is quite an accusation.</p><p> </p><p></p><p>I think you'll find that even with the highest level of coverage, including dental and vision, and including full family coverage, premiums are still slightly less than average. Co-pays are about average, maybe a little higher for specialist visits.</p><p>Speaking from personal experience with a substantial number of claims, I can't think of one that has been denied. At least not after the fact. I've had some preauthorizations dictate a slightly different course of action to ensure that a claim wasn't denied but that was just doing due diligence on my part.</p><p>I've also had some claims that needed to be resubmitted because the provider submitted the claim incorrectly but that was neither Cigna's nor FedEx's fault.</p><p>Also keep in mind that the premiums are only about 12-17% of the cost of coverage. FedEx is paying the rest out of its own pocket (amount Z). Not sure why you would begrudge any company from trying to manage that. After all we are talking millions, if not billions, of $$</p></blockquote><p></p>
[QUOTE="quadro, post: 603141, member: 12850"] Correct, but your initial claim omitted that amount and that is by far the most amount of money in this equation. And just how many companies, individuals, etc, do you know that want to spend more than they have to for anything? Yes, there is a fine line between being fiscally responsible and being a cheapskate but to assume that they are putting peoples health and well-being at risk just to save a $ is quite an accusation. I think you'll find that even with the highest level of coverage, including dental and vision, and including full family coverage, premiums are still slightly less than average. Co-pays are about average, maybe a little higher for specialist visits. Speaking from personal experience with a substantial number of claims, I can't think of one that has been denied. At least not after the fact. I've had some preauthorizations dictate a slightly different course of action to ensure that a claim wasn't denied but that was just doing due diligence on my part. I've also had some claims that needed to be resubmitted because the provider submitted the claim incorrectly but that was neither Cigna's nor FedEx's fault. Also keep in mind that the premiums are only about 12-17% of the cost of coverage. FedEx is paying the rest out of its own pocket (amount Z). Not sure why you would begrudge any company from trying to manage that. After all we are talking millions, if not billions, of $$ [/QUOTE]
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