{ "media_type": "text", "post_content": "Aetna or Cigna insurance? HDHP or PPO? Based in California if that matters", "post_id": "61ea1c081a424e0025ac5bde", "reply_count": 7, "vote_count": 2, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting", "feed_type": "crowd" }

Aetna or Cigna insurance? HDHP or PPO? Based in California if that matters

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Avoid Cigna at all costs. I had multiple surgeries and hospitalizations this year. They held up CTs for “nurse review” after my surgeon ordered it at post op checkup, denied replacement nephrostomy bags which you MUST have when you have nephrostomy tubes, denied medication prescribed, denied prescribed at home oxygen. Every doctor, case manager, nurse I talked to said Cigna was the worst insurer to deal with. Everything was a fight.

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Uh oh, sorry this happened in your case. Very sorry about it.

Depends what your company offers for Aetna vs Cigna - I’ve had both and they’re both fine. If they offer both, go with the best coverage vs price. Do HDHP with an HSA, and you can elect a HDHP that is a PPO

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Cigna seems to offer the best coverage in my area

I would suggest take anthem ..you don't need to go through General Practitioner i.e. Internal Medicine doctor to any specialist...it is costlier but does save up lot.of time

They have the worst coverage in my area for in network providers, unfortunately. That said, all the PPO/ HDHP have self referrals to specialists available

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I got Cigna and it’s been good for in network PT and doctors as well as online therapy counseling. I live in NorCal

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