This was us for my wife's pregnancy and delivery. Some of the bills were denied by Cigna for things that were covered according to their book. So we had to figh

This was us for my wife's pregnancy and delivery. Some of the bills were denied by Cigna for things that were covered according to their book. So we had to fight that. Cigna can take months to reprocess claims, which basically puts you into default with the hospital while you wait for the insurance to pay out for services that were supposed to be covered. We've done this after every medical event because Cigna always denies something that should be covered. And their accounting system doesn't work correctly which is something that is constantly your problem because they won't accumulate your out of pocket max or coinsurance correctly, so you CONSTANTLY have to call them about everything because it's always wrong. Cigna is the worst insurance company I've ever had the displeasure of dealing with. United Healthcare was slightly better but only slightly. For a surprise bill, my wife got fired as a patient by the biggest clinic network in our area for a bill that she didn't know she had and that the agent she talked to wouldn't provide any evidence or itemization. The agent's response when asked was "you know what this is for you should just pay it." Sounds scammy, right? They keep buying clinics we're going to and then she stops being able to see her doctors afterward. Private equity is destroying our healthcare system.