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14 members (Thread Killer, buzzard, BrandonClark, James, BamaGuitarDude, cullmanbamafan, odocoileus, RCHRR, BAR1225, 7short, 4 invisible),
621
guests, and
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Key:
Admin,
Global Mod,
Mod
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Joined: Jun 2007
Posts: 5,983
12 point
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12 point
Joined: Jun 2007
Posts: 5,983 |
I am hoping to get a job offer from a new employer as I’ve been unemployed since October..the company offers health insurance but it’s Cigna.. I had them 14 yrs ago but since have had BCBS.. is Cigna decent and do most doctors take it?
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Joined: Jan 2013
Posts: 693
4 point
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4 point
Joined: Jan 2013
Posts: 693 |
From my experience with Cigna over the last 2 months they are either overwhelmed or don’t give a rip. I had to stay on top of them during my short term disability. I am not a fan.
"Grits ain't groceries, eggs ain't poultry,and Mona Lisa was a man"
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Joined: May 2012
Posts: 12,481
Booner
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Booner
Joined: May 2012
Posts: 12,481 |
If you have a choice, stay with BCBS.
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Joined: May 2016
Posts: 272
4 point
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4 point
Joined: May 2016
Posts: 272 |
I have had it for several years now through my employer. It's just ok insurance in my opinion. It's going to pay ok for basic doc in the box places, but will screw you if you have to have any lab work sent off. The biggest thing you better be aware of, is to use their in network doctors only or you will be responsible for about 40% of the bill. It's not the best, but there is a lot worse out there.
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Joined: Jan 2013
Posts: 693
4 point
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4 point
Joined: Jan 2013
Posts: 693 |
Catastrophe insurance at best.
"Grits ain't groceries, eggs ain't poultry,and Mona Lisa was a man"
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Joined: Jun 2007
Posts: 5,983
12 point
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12 point
Joined: Jun 2007
Posts: 5,983 |
I was hoping for better sounding feedback..lol🤭
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Joined: Dec 2004
Posts: 20,179 Likes: 81
Freak of Nature
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Freak of Nature
Joined: Dec 2004
Posts: 20,179 Likes: 81 |
Probably depends on where you are at and who around you takes it. I have had it for the last 14 years and haven’t had any real issues. General care coverage has been great. The biggest issue I’ve had is ER visits when the hospital takes Cigna but the doctor on call didn’t.
If voting made any difference, they wouldn’t let us do it.-Mark Twain
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Joined: Aug 2001
Posts: 11,323 Likes: 28
Booner
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Booner
Joined: Aug 2001
Posts: 11,323 Likes: 28 |
Catastrophe insurance at best. This is what our BCBS has become also. They’ve picked up some supplemental thing with it now but all I’ve noticed is it’s got our copay down 15 dollars a visit. What I tell everyone at work we got get you in the door and sue you later insurance
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Joined: Nov 2014
Posts: 14,858 Likes: 33
Puts sugar in his cornbread!
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Puts sugar in his cornbread!
Joined: Nov 2014
Posts: 14,858 Likes: 33 |
Insurance is a crock now any way. Way to dang expensive.
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Joined: Jan 2014
Posts: 4,494
10 point
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10 point
Joined: Jan 2014
Posts: 4,494 |
We have Cigna. If you have a PPO plan you should not have any issues, if you have a HSA/Coinsurance plan you will most likely have in network / out of net work issues. I currently have a ppo plan and haven't had any issues until today. I had elbow surgery scheduled for next Wednesday, well Drs office called today and said insurance denied it because of scheduled hospital. Had to reschedule it to the 23rd at a different place. We are going to a 90/70 HSA plan January 1 and I ain't happy about it. Alot of Drs around Hsv are not in network for Cigna HSA that are with Cigna PPO. Just something for you to look into.
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Joined: Jul 2015
Posts: 1,937 Likes: 3
8 point
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8 point
Joined: Jul 2015
Posts: 1,937 Likes: 3 |
Off topic a little but you guys that get health insurance from your employer, you should always consider that as part of your income. For instance a silver bcbs plan costs me around $1875 per month. So if you look on the bright side if you employer pays half, you are making about $215 per week or $5 more per hour than it appears on the surface.
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Joined: Jul 2006
Posts: 7,196 Likes: 14
14 point
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14 point
Joined: Jul 2006
Posts: 7,196 Likes: 14 |
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Joined: Feb 2011
Posts: 3,747
10 point
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10 point
Joined: Feb 2011
Posts: 3,747 |
Off topic a little but you guys that get health insurance from your employer, you should always consider that as part of your income. For instance a silver bcbs plan costs me around $1875 per month. So if you look on the bright side if you employer pays half, you are making about $215 per week or $5 more per hour than it appears on the surface. How in the hell can anyone afford those monthly premiums? I just switched jobs JUST for the insurance. Corporate hr did not tell me a lot of small details and it really narrowed down the few plan choices I had from a monthly cost view.
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Joined: Nov 2014
Posts: 14,858 Likes: 33
Puts sugar in his cornbread!
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Puts sugar in his cornbread!
Joined: Nov 2014
Posts: 14,858 Likes: 33 |
Off topic a little but you guys that get health insurance from your employer, you should always consider that as part of your income. For instance a silver bcbs plan costs me around $1875 per month. So if you look on the bright side if you employer pays half, you are making about $215 per week or $5 more per hour than it appears on the surface. How in the hell can anyone afford those monthly premiums? I just switched jobs JUST for the insurance. Corporate hr did not tell me a lot of small details and it really narrowed down the few plan choices I had from a monthly cost view. It's designed to break people. If you can use the marketplace it will help.
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Joined: Oct 2002
Posts: 2,457 Likes: 8
10 point
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10 point
Joined: Oct 2002
Posts: 2,457 Likes: 8 |
That's why I'm up to drive a school bus every day. The pay is not great but the insurance makes up for it 10 fold.
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Joined: Dec 2004
Posts: 25,471 Likes: 4
I am Cornholio
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I am Cornholio
Joined: Dec 2004
Posts: 25,471 Likes: 4 |
Had Cigna for years. They absolutely suck
If you’re a common sense person, you probably don’t feel you have a home in this world right now. If you’re a Christian, you know you were never meant to.
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Joined: Nov 2008
Posts: 10,750 Likes: 4
Booner
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Booner
Joined: Nov 2008
Posts: 10,750 Likes: 4 |
That's why I'm up to drive a school bus every day. The pay is not great but the insurance makes up for it 10 fold. Just curious. How many hours per day does a bus driver work?
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Joined: Sep 2019
Posts: 2,005
8 point
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8 point
Joined: Sep 2019
Posts: 2,005 |
I know a few people that drive school busses, they all do it for the insurance. I would probably end up in prison if I drove one.
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Joined: Jan 2002
Posts: 10,488 Likes: 1
Booner
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Booner
Joined: Jan 2002
Posts: 10,488 Likes: 1 |
I know a few people that drive school busses, they all do it for the insurance. I would probably end up in prison if I drove one. The daily reminder to take your medication. If you want to kill people over dogs and go to prison for what you would do to children on a school bus, I’m all for someone doing a welfare check on you. Hope you are just a blowhard jellyfish, but you really do post some shucks.
not sure what the best way to handle them is but they shouldnt be on tv and gettn married and raisin kids
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Joined: Sep 2019
Posts: 2,005
8 point
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8 point
Joined: Sep 2019
Posts: 2,005 |
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