In July, 2008 I spoke with a representative of this company, who sold me on this insurance. When I received the packet and read the information, I realized that many things he told me were untrue. By this time the processing fee and first month's premium had been paid, but the insurance had not come into affect. I called to cancel on Aug. 12, 2008, was told what to do and followed those instructions implicity and faxed my cancellation to them. They received my cancellation the very same day. I was told that I would receive a $424 refund, the total amount of the processing fee + 1st month's premium. I have been trying ever since then to get my refund. I have called them at least 10 times and have spoken to a different customer service rep (I use that term very loosely) person everytime and each one tells me a different story. The last 3 I spole with were Lauren, Claudette & Melinda. My last conversation resulted in being told that Melinda did not see where "Claudette" and entered in the system that my refund was to be mailed to me by 11/7/08 and that I should receive it the following week. Melinda also informed me that checks are mailed every 2 weeks. I then asked to speak to someone in the cancellation dept and was told that "they don't take direct calls" (perhaps, they really don't have a cancellation dept), I then asked to speak to a supervisore and was informed they have "team leaders and they don't take direct calls." Therefore, I can only assume that this company is hugely fraudulent and they are screwing alot of people. My next step was to contact my locat TV stations "troubleshooter" and give all my information to her. If that does not work, I will be sending all this information along to our state's attorney general's office. In this day and age of huge medical costs and insurance premiums through the roof, companies like this should not be allowed to be operating and taking advantage of people.

In the early morning of March 12th of 2005 I tried to take my own life. In a drunken hopelessness I took as many of my newly refilled prescriptions of Welbutrin, Stattera, and Zoloft as I could fit into my stomach. I started to get sick and not wanting to lay there in now physical pain too, I called 911.

I was admitted to the hospital and not long after the pills that I took started making me have seizures. The combination of those pills and the alcohol gave the doctors the impression that I might be permanently brain damaged after reviewing the CAT scans.

I don't remember anything although I was conscious and verbally communicating until the following Thursday, nearly a full week. I would remain in the hospital until Saturday waiting to get admitted into a behavior health facility to stabilize me mentally. During my hospital stay I was tied down to help protect myself from the seizures until those subsided and had 24 hour surveillance by a sitter. I was not allowed to leave my hospital room until they found a behavioral health facility to have a bed available. This took two days.

After spending four days in Banner Behavioral Health I was released. I completed the intense outpatient program and have not touched alcohol since.

Not long ago I received a bill from the hospital for $5,360. This amount is for the two days I spent waiting to find a behavior health facility to accept me. The hospital appealed both the Cigna Medical and Cigna Behavioral to have them pay the balance. Neither will accept responsibility stating it was not medically necessary or that I was not receiving mental health care at the time.

The hospital states that this does happen from time-to-time and usually the patient ends up paying. This is not right. I have insurance. I was not allowed to leave even if I wanted to. Now I have to pay!

I did put myself into the hospital, but I did everything that I was supposed to do since and have never touched alcohol again. I am fighting this because I don't think it is right that I have to pay when I am insured and when I needed to use it the most.

I need help. I need advice. I need to get through to these insurance companies that this is not right.

Tracy

Phoenix, Arizona 85016