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CIGNA is a global insurance company that offers medical, dental and accident insurance to Americans, expatriates and travelers. The company made over $18.4 billion dollars in 2009. As with all insurance companies, CIGNA charges policy holders every month for the premium and requires that patients meet their deductible before the company starts to pay out for health or disability claims.
CIGNA's health and disability insurance policies can be purchased through an employer's group insurance plan or individually for a private option. Most customers purchase the plan through their employer.
CIGNA offers customers a variety of health insurance options, including health savings accounts, flexible spending accounts, health maintenance organization (HMO) and network options and Medicare options. Additionally, the company offers limited-benefit health plans under the names Starbridge and Fundamental Care.
In addition to health insurance, CIGNA offers pharmacy, dental, vision, life and behavioral care options. It also offers personal accident insurance for individuals to purchase in case of an accident or specialty group insurance that employers purchase.
Although CIGNA offers a variety of insurance options for policy holders, it has been accused of engaging in bad faith practices such as rejecting health and disability claims of customers who are seriously ill and in need of the insurance coverage they purchased.
An insurance company is guilty of bad faith when it does not investigate a claim adequately, delays investigation of the claim, falsifies a contract or refuses to pay a claim that should be covered under the policy holders health plan.
Do you believe that you or someone you know has been the victim of bad faith by CIGNA? Do you feel that the company rejected your claim unfairly? Contact an experienced bad faith insurance lawyer to schedule an evaluation of your case. We can be reached at (800) 483-0899.
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