Health insurance can be difficult to navigate.
Even though CIGNA is a national health insurance company, when filing a complaint you do so in your state. The state where you reside is considered the beginning point for any insurance complaints even if services were rendered outside the state. All 50 states have a Department of Insurance to handle all complaints against companies such as CIGNA.
Instructions
1. Locate the contact information for your state's Department of Insurance. The National Association of Insurance Commissioners (naic.org) has an office locator application on its website to help you get the correct information.
2. Read the filing process. Some states, such as California, have different offices for managed care programs versus regular insurance. Other states, such as Texas, have a single complaint form for all types of insurance.
3. Fill out all the necessary paperwork. The form usually includes a section where you will detail your complaint. If you can provide documentation of the problem, this will help expedite your complaint. This is where you can outline specific issues with CIGNA.
4. Make copies of everything you intend to file. Whether you file electronically or via mail, be sure to keep copies of everything you are sending in to the office. This helps keep your paper trail accurate and complete.
5. Send in all the required information. The site will list the correct address to which to send all the paperwork. Follow any additional labeling instructions the site might have.
Tags: copies everything, Department Insurance, states such, your complaint, your state