CIGNA's Full Court Press
- Thread starter moonlightandmargaritas
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- #12
- 9,744
Health Plan Services ("HPS") here in Tampa does the admin as they do for H1. Not sure about u/w...
That's pure gold. I've sent them 3 apps this week, and they've declined two and approved one. One of the ones that they declined in less than 48 hours was issued standard by Humana.
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- #14
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I've got three in there now with CIGNA (maybe that's why I got an invite to the "Momentum Event"). One ricocheted out of there in a hot minute - but was not unexpected.
The other two are pretty clean (squeaky actually) on current clients. Dying to see what happens...
- 5,058
Don't forget if they make a modified uw offer, you have basically 3 days to respond or you need to submit a new app.
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- #16
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Appreciate the heads up Mark, thanks.
- 5,058
No problem, they didn't used to be such a pita, but I really do hate them. Sometimes they are the only option due to uw or they are the best option hands down ( in some counties they kill everyone else on the 1k and 2k deductible copay plans---makes me want to cry!)...
I rarely send an app to anyone without pre-screen first. That is especially true with Cigna.
I have had probably a dozen apps submitted direct via my website and everyone was declined.
About 90% of my pre-screens are a denial or 50% rate up. I get better offers from almost everyone else.
You must have wealthy clients. I only have a handful who can afford deductibles below $3500 and they are smart enough to opt for high ded HSA plans.
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Seems pretty random to me, I had a guy that was a 95% rate up for BCBST turn into a 25% with Cigna. They tend to deal with BMI only better than my other carriers for some reason.
- 5,058
Not really, but as I get away from internet leads and more into email marketing and telemarketing, I am getting a higher AV per app.
And when I bought internet leads, I would buy them all over the state and I really didn't pay attention who is the most competitive in each county.
However, now that I'm investing more time into telemarketing I have been researching which counties Cigna is the most competitive in (and steering clear of those areas!).
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